davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I signed up for the Capital One XXXX XXXX credit card because of an offer for Bonus Point after a certain amount of spend within a certain amount of time. This is a card with a yearly fee and I would not have signed up if it were not for the bonus offer. 

The terms for the bonus were XXXX points after spending {$5000.00} and another XXXX points after spending a total of {$50000.00} within the first six months. I called in to the credit card company in XXXX and was told that the terms have changed due to Covid19 and that I now have until XX/XX/XXXX to spend the {$50000.00} to earn the additional XXXX points. 

I called in to the credit card company in XXXX, XXXX and XXXX to find out how much more ( of the $ XXXX XXXX I need to spend to earn the bonus. The first time I called I was told that the period within to make the {$50000.00} in purchases has been extended until the end of the year. The other times I called in I was told how much more I need to spend to get to the {$50000.00} threshold. 

I called today, XX/XX/XXXX, and was told that their system does NOT show an extension for the bonus spending timeframe and that if I did speak to someone they forgot to add the extension to my account. 

Furthermore, I was told that there is no record of my phone calls with the company. ( I have call logs with dates, times and length of calls on my phone and phone bill ). 

I have actually spent over {$51000.00} by XX/XX/XXXX and according to the terms of the signup offer and extension period for the spend I qualify to receive an additional XXXX credit card points. 

Additionally, the extension of the 6 month spend period for the bonus points was widely published on various internet publications.
Consumer complaint received 2021-05-27
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. (CA)

Equifax is reporting a 60 day late on XXXX. 
No 30 day at all. XXXX  and XXXX  are reporting differently. 
This is in violation to report false information on my credit report.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21 an unauthorized withdrawal of {$620.00} was withdrawn at a B of A in XXXX, Georgia by someone who somehow received my bank card and pin number. 
On XX/XX/21 an unauthorized withdrawal of {$340.00} was withdrawn at a B of A in XXXX, Georgia by someone who somehow received my bank card and pin number. 
On XX/XX/21 an unauthorized purchase of {$390.00} was made at a XXXX in XXXX, Georgia by someone who somehow received my bank card and pin number
Consumer complaint received 2021-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Innacurate information on my credit profile resulting from identity theft : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

2. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

4. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

5. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

6. This is a violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

7. This a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy XXXX Please correct/update this inaccurate information on my credit report.

8. This a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy XXXX XXXX Please correct/update this inaccurate information on my credit report.

9. This a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and violation of FCRA 623 Please remove it from my credit report.
Consumer complaint received 2021-07-18
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX ( XX/XX/XXXX ). XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. 




I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2018-07-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: U.S. BANCORP (PA)

this pre paid card has to be registered before you can use it, I have purchased several of them in the past week. They can not be registered becaue their horrible website doesnt work, and it's been down for a while! They do not disclose this when you are on thier website at all, and you keep trying to put in all the info many, many times with no success! thier website is horrid and it should be noted in large print that it is down!!!!!!!!!
Consumer complaint received 2018-12-04
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. (GA)

Greetings, I have previously contacted Equifax, XXXX, and XXXX   informing the company that I have been a victim of identity theft/fraud. Equifax, XXXX, and XXXX  is deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Equifax, XXXX, and XXXX  to follow the law, they clearly feel as though the law does not apply to them.
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I never applied for a Bank XXXX XXXX credit card from XXXX to XXXX The account # on my my credit report is XXXX. Someone else did this by using my information which this is fraud and theft. This needs to be remove from my credit report from all XXXX credit bureaus.
Consumer complaint received 2021-10-21
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. (MO)

Im filing this because the 3 major credit bureaus has ignored the fact that my identity has been compromised in which resulted in unauthorized accounts reporting on my credit files. Ive requested the name and title of the person or persons that conducted so called investigation prior to this official complaint. Im a victim but refused to be victimized by these 3 credit reporting agencies. Im demanding the immediate removal of the following accounts, or a signed individual contract with supposed businesses in which I have no business with, please remove. 

1 ) XXXX XXXX XXXX {$68.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX XXXX XXXX  4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) Dept of ED/ XXXX {$3900.00} 7 ) Dept of ED/ XXXX {$2700.00} 8 ) Dept of ED/ XXXX {$2700.00} 9 ) Dept of ED/ XXXX {$1900.00} 10 ) Dept of ED/ XXXX {$1700.00} 11 ) XXXXXXXX XXXX XXXX XXXX {$520.00} 12 XXXXXXXX XXXX XXXX XXXX {$540.00}
Consumer complaint received 2021-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (SC)

I discovered today that BB & T/Truist bank put hazard insurance on a property that I already had insurance on it. The balance of the loan is just over 3000. I called them and after one of their reps called my insurance company they admitted I had insurance. I watched my insurance company fax them the policy twice in the last few months in response to the letters I got threatening to do this very thing but they claim they never got them. The XXXX escrow amount is still on my account. I want it gone but this is not the first time BB & T has done something like this. I am tired of having to spend hours on the phone trying to straighten out problems cause by the incompetence of their employees and getting no results. Any help you can give me with this will be greatly appreciated. I am not in danger of foreclosure just a XXXX XXXX.
Consumer complaint received 2021-05-27
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. (AZ)

To whom it may concern : I have been trying to get this issue resolved for months. Experian keeps giving me the run around. I completed a dispute, and they did nothing but gave me an excuse because they did not address my concern. I have told them time and time again that this is not my account I have never opened an account with XXXX XXXX, and I have no idea who did. I also have several other attempts on my credit report where someone tried to open an account at XXXX XXXX XXXX XXXX XX/XX/20 ) and XXXX XXXX ( XX/XX/20 ). Please help me get my credit report to show the correct information and delete these things. Experian keeps sending me excuses not to look at my credit report and delete this stuff from my report. I submitted a request letting them know that they have the wrong address on my report, again they did nothing then say they can't verify me even thought I currently have credit monitoring service with them with my correct address of XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX again please remove this address that I never lived at XXXX XXXX  XXXX XXXX, PA XXXX. Please delete this it is very important to me that my credit report has the correct information on it only!!!!!!!
Consumer complaint received 2021-05-27
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: CITIBANK, N.A. (WA)

In XXXX of XXXX, my identity was stolen and several fraudulent accounts were opened in my name. One of the fraudulent accounts was with SHELL/CBNA. While I have managed to get all of the other fraudulent accounts removed from my credit report, the SHELL/CBNA account remains. I have contacted them several times. Most recently I sent them a second dispute letter on XX/XX/XXXX. I have still heard nothing from them and the fraudulent account still appears on my credit report. 
The fraudulent account with SHELL/CBNA was opened XX/XX/XXXX. It is now listed as " closed, '' with no outstanding balance. I wish to submit a complaint about this and still hope to get this issue resolved.
Consumer complaint received 2019-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Equifax and XXXX are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Consumer complaint received 2021-05-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (UT)

I paid off my loan in XXXX and US Bank never released the lien. My car was totaled on XX/XX/XXXX. I was offered {$7800.00} from the insurance company however since USBank never released my lien they wont send me the check. I have called USbank 5 times over the last month trying to get a lien release letter to send my insurance company. The first call was in XX/XX/XXXX Every time I call they ensure that the letter will be sent. One time promising a fax that never came. It has now been 7 weeks since my accident. I still dont have money so I have been without a car for this entire time. I just called USbank today XX/XX/XXXX and they told me its a 26 day SLA for the letter request! My car has been paid off for 5 years. How can they continue to hold a lien on my car?
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc. (AR)

I received notice from Southern Management Systems , Inc., about XX/XX/2018 for an alleged debt owed to XXXX XXXX. I dispute the validity of this debt and all portions thereof and request the following : 1 ) Agreement with your client that grants you the authority to collect on this alleged debt. 2 ) Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3 ) Name and address of alleged creditor. 4 ) Name on file of alleged debtor. 5 ) Alleged account number. 6 ) Address on file for alleged debtor. 7 ) Amount of alleged debt. 8 ) Date this alleged debt became payable. 9 ) Date of original charge off or delinquency. 10 ) Verification that this debt was assigned or sold to collector. 11 ) Complete accounting of alleged debt. 12 ) Commission for debt collector if collection efforts are successful.
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TN)

National Credit Systems INC. with an address of XXXX XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the amount of ( {$4600.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-07-18
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: EQUIFAX, INC. (OH)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2018-03-01
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. (CA)

I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want these removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of this fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts. 


I contacted XXXX  through the CFPB with ALL THE INFORMATION needed according to the FCRA 2009 to furnish a block and received this which is violating the FCRA 2009 ( a ) After reviewing your complaint, we are unable to process your request because we were not able to determine the nature of your dispute. In order to investigate information contained in your report, please provide us with the specific account name and number, and specify why you are disputing it. XXXX declined to block the information for one or more of the following reasons which were provided to you in the letter : a ) XXXX has reason to determine that you have requested the block in error ; b ) XXXX  has reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods, services or money as a result of the transaction at issue I repeat these accounts are a result of Identity theft and are fraudulent that is the nature of my dispute I will repeat once again to show my Federal Trade Commission identity theft report with the balances & creditor name.. along with my police report number, I did not request this block in error, I did not make a misrepresentation of information, and I did not receive anything from these FRAUDULENT ACCOUNTS. 
They were opened without my consent, as i am a XXXX  XXXX and should not be going through this. 


I will once more supply XXXX  with the nessesary paperwork to remove these fraudulent accounts that are causing me lots of pain and in-convince as a XXXX  XXXX.
Consumer complaint received 2021-10-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (IL)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any response from the investigation of the credit bureaus on these false collections.
Consumer complaint received 2021-05-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (MI)

Credence resource management continues to call and ask for someone that i do not know. I have repeatedly told them that they have the wrong number and I do not know anyone named XXXX something. They call multiple times a day.
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AZ)

Equifax shows no active accounts on my report even though I have had a XXXX XXXX credit card account in good standing for over 20 years. 
They did show it, and the balance was wrong so I disputed the amount. At that point they began showing that the account does not exist. 
I have notified them of the problem and spoke with XXXX XXXX. XXXX XXXX assured me that Equifax has been receiving reports which show my account is active and in good standing.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX, My name is XXXX XXXX and I am filing this complaint because this is the third time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not been sending any mail responses to my disputes nor have these companies. At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action
Consumer complaint received 2018-07-28
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: EQUIFAX, INC. (UT)

I have sent several letters to all three credit reporting agencies requesting that the Bankruptcies that are reported on my account should be remove do to the fact the the federal courts do not report any of this information to them. They receive this information through a third party. Upon ordering a copy of my credit report, I see two entries listing Bankruptcy Chapter # XXXX   one in XX/XX/XXXX and one in XX/XX/XXXX. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported.. 

I have sent three letter to the credit agencies and have never received anything back again under the FCRA they must send validation with in thirty days of the dates of the letters. I have also call the credit agencies and still do not know if the have put a dispute on the account because they have not told me but I do know that they have not removed the Bankruptcies Chapter # XXXX. Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate.. The agencies have found information on bankruptcys through third-party research. 
I would like to have the name of the person that has worked this case and copies of letters they have sent me. Because I have the copies of letters Ive sent then but no reply but a copy of the credit report Dated XX/XX/XXXX.