davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Been a customer of Bank of America for 20 years and have had this card for about just as long with perfect payment history. This are tough times right now with covid19 impacts and for Bank of America to provide such an awful experience for what seems like mistake in the system, it is just awful. 

Interest was charged on a purchase from the day of transaction. Even though it states " We will not charge interest on purchases on the next statement if you pay the amount by the payment due date ''. I called Bank of America twice and was told purchase had to be paid off before the close of statement cycle since there was 0 % Balance Transfer on account.

To provide additional context there is only one purchase transaction in entire billing period. Purchase date XX/XX/XXXX, statement close date XX/XX/XXXX, payment due date XX/XX/XXXX. Payment was made XX/XX/XXXX to cover the purchase amount and additional payment was made on XX/XX/XXXX to cover more than min payment needed to cover balance transfer. Both payments are made well before XX/XX/XXXX due date. Interest charge in question is {$21.00} that the bank is not able to provide explanation as per the cfpb rules. It is not about the amount anymore but about the principle of it. Tons of bail out dollars from taxpayers and when roles are reversed with Covid-19 and main street needs help, still sucking every fee out of people.
Consumer complaint received 2021-04-20
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: Experian Information Solutions Inc. (CA)

I have one account on my credit report that does not belong to me I have not applied for this used or or know where this came from I need this taken care of I have been disputing this since 2019. 

XXXX XXXX - XXXX XXXX {$14000.00}
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

I wrote Midland Funding /Midland Credit Management on XX/XX/2021 requesting Validation instead they sent a statement in the amount of {$3200.00} which they have not Validated the information requested. This alleged amount is being reported to the credit bureau the debt provided is in fact is erroneous and must be removed from my report.
Consumer complaint received 2022-11-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

I ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed account which I believe was reported in error. 

XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have a scam credit pull on my report XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : XXXX XXXX XXXX XXXX Can't verify and experian will not take it off
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2021 To whom it may concern at the Consumer Financial Protection Bureau : Today I received the attached collection letter from a collection agency by the name of, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 

And I would like to file a complaint against both of the above named collection agencies, and I am disputing this debt through your agency, because I do not owe it, and I want LVNV, and this XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, to cease and desist from harassing, and contacting me about this debt that I do not owe. 

I have had no dealings with Capital One for almost 2 years, and I do not owe this fraudulent collection that I am being charged with. 
I have previously disputed this fraudulent debt with Capital One, and yet they insist on slandering my credit with a debt that they know full well, that they have run up. 

Capital One has wrongfully and maliciously ran up this debt with fraudulent charges and fees that I do not owe to them, and they are passing this fraudulent information onto these shyster collection agencies to use harassment tactics to try and collect. 

XXXX XXXX places themselves onto consumers credit files with fraudulent status date information trying to make their fraudulent collections look as though these are debts that the consumer has recently had dealings with, as recently as 2021. 
And I want theirs, as well as this XXXX XXXX Solutions, LLCs false information removed from all of my credit files. 

On consumers credit files XXXX  places themselves, and thieving Capital One will also be on the credit files as well, destroying consumers credit files with 2 false fraudulent collections for the same debt. 

And if they use other collection names like this XXXX, they will also add them as well to the credit files, so the consumer is left battling to get off 3 collections that have been placed onto their credit files for the same false collection information. 

Capital One has no problem doctoring up statement information to make it look as though their information is accurate, and XXXX XXXX has no problem running with it. 

As previously stated, I am disputing the collection, and I want any and all derogatory information removed from all of my credit files. 

This SXXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX and all of their other related affiliates, are claiming that they have the right to pass on any, and all of my private information, and I want to contest that. 

By Law, just because they are collection agencies shouldnt give them the right to invade my privacy, and pass on my private information on to whomever they feel like they want to, and I would like your assistance dealing with that. 

XXXX XXXX XXXX, and their affiliates have a way of handling their companies as though they are above the law, and they can do as they please, and as stated above, I should have rights, and I dont feel that they should have free reign with my private information.
Consumer complaint received 2021-04-21
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: CITIBANK, N.A. (TX)

Dispute Reason : Merchandise was never received, never delivered. 
The merchant was Best Buy. 
The credit card company is Citi Bank.

My Citi bank credit card was obtain through CostCo. 
The amount in dispute is {$510.00}. 
The purchase date was XX/XX/XXXX. 

I spent days going to the local store in Texas where I live to ask for help. I also called many times and got hung up on many times. After all effort failed, I filed a dispute via Citi Bank. Today XX/XX/XXXX, I received an email and I checked messages online, and Citi Bank said that the dispute failed and they will charge me {$510.00}. 

Even though I engaged in a transaction with the above merchant, I never received the following products ( two software ) : ( 1 ) XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ( Digital ) software, and ( 2 ) AXXXX XXXX XXXX  XXXX ( Digital ). 

I provided phone bill and HomeDepot receipts showing that I was in Texas at the time that I purchase the software from Florida Best Buy. I should receive the software through software download but I did not receive an email with a hyperlinks for me to download. Yet Best Buy claimed that I purchased the software " in person '' and picked up the products " in person ''. 

Beware of Best Buy. I called the phone numbers, put on hold for a long time, transferred from one person to the next, and finally got hung up on. There is only one phone number to call, and they randomly sent us to a different to talk to each time. We never got to talk to one person. No accountability. When we came to a Best Buy local store, they sent us home to look for an email for software download. That's a big lie. Nothing. However, because of the purchase, Best Buy floods my email with their daily advertisements. 

DO NOT PURCHASE SOFTWARE ONLINE. 
BEWARE OF BEST BUY!
Consumer complaint received 2021-04-20
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: Tower Loan of Mississippi, Inc. (LA)

Mutiple credit inquiries were created without my consent or knowledge. I called all companies XXXX in regards to the inquiry and asked that it be removed due to it not being authorized by myself.
Consumer complaint received 2021-04-20
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: Experian Information Solutions Inc. (CA)

There are 12 accounts on my credit report That I have been disputing since XX/XX/2020 I have sent police reports FTC and everything else which I cant upload now since I am using another computer and I dont have the files with me but nothing has been done by the bureaus I dont know how else to say THESE ARE NOT MY ACCOUNTS I HAVE NOT OPENED USED OR EVEN KNOW WHAT THESE ACCOUNTS ARE AND HOW THEY GOT ON MY REPORT. I am at my wits end and I dont know how else to come across to the bureaus but this is not fair and this extra stress is really getting to me I need help!!! 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-04-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I submitted several letters in dispute of inaccurate information in my credit profile. The company has not provided me any proof or documentation as requested. I submitted 5 different letters. 1st dated back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, which I receive a credit report with no solution to what I have been disputing this entire time ; and most recent one which was on XX/XX/XXXX that I resent asking for those accounts to be reinvestigated. However, my request continues to get ignored. They are not incompliance with their policy. It is taking them more than 45 days to respond. Once they respond, it is just a credit report with no evidence or documentations. The creditors that said I owe this allege debt, has not contact me. These accounts has been placed with a collection agency and I am unaware of.
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Collection Agency, Ltd. (WA)

Debt is related to a rent charge of XXXX to XXXX, and went up to XXXX where this debt belong to my ex, which is all her incurred debt. Originally a I tried to settle the debt by using veteran resources, but they told me, that if you are invovled with a XXXX case as I have full custody of our XXXX. I told landlord I am leaving under these conditions as my lease was up, and the debt was supposed to be wiped out or transferred to my ex, but the lied to me, and sent my debt, which is too old to be on my credit report in XXXX. I fought these people before with previous debt to ration charges, and every time I had to prove my case to be absolved of these debt allegations. When I went back to Washington State I was XXXX for 45 days with a child and from XX/XX/2016 I have lived in this area with no rent issues, ex issues etc while living in peace. I cleared previous falsified rental eviction debt off my credit report, and my current and past landlords within 5 years or anywhere else in the United states would tell you I paid all my rent on time. Colorado is one of the most dishonest states I lived in my past for 12 years on and off, that will ruin your credit report and rental history. This debt right now is preventing me from using my VA home loan to buy a house for me, my son, and service dog to date.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (MA)

Began searching for online savings account in XX/XX/2022. Found offer for Citi XXXX XXXX account with high yield bonus on their website. It had me enter zip code to see if offer was good in my area. It was confirmed the offer and I opened the account with initial deposit of XXXX on XX/XX/2022. I received email ( attached ) titled XXXX, Congratulations on enrolling in the Citi XXXX XXXXXXXX XXXX XXXXXXXX Bonus Offer on XX/XX/2022. The email details the criteria where balance level must remain at XXXX or above to receive the XXXX bonus. My balance level never went below XXXX and currently above XXXX. After the promotion period ended I proceeded to contact customer service through chat multiple times where it was confirmed that met all the criteria and was told I would see the bonus applied in XXXX hours ( Citi can access the archives of the chat ). Nothing for weeks and I finally called customer service. Was told the inquiry was submitted under the incorrect promo code. A manager found the correct promo code and reopened and was told I would get call back in a week. Weeks went by and heard nothing so I called back again. Incredibly condescending customer service agent told me that I am ineligible for the bonus without any details and said I could write a letter regarding the decision. I figured I would submit a CFPB complaint before filing a small claims and going to local media.
Consumer complaint received 2021-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

There is one student loan that does not belong to me but is on my credit report I need this removed from my credit report since it does not belong to me. I have opened an FTC tried reaching out to the bureaus as well as the furnishers but they are not being helpful I need assistance please. 

XXXX XXXX - Acct # XXXXAmt {$140000.00}
Consumer complaint received 2023-12-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

I started working with XXXX XXXX to help receiving business funding for my XXXX XXXX. I filled out my client information with the correct income and revenue information. Then I signed the client agreement with XXXX XXXXXXXX XXXX  XXXX XXXX XXXX. He then texted me telling me he had to send me another agreement. This one had a different name on it, XXXX XXXX XXXX. XXXX XXXX was supposed to apply for business loan for me but took out a line of credit with skewed income information. XXXX XXXX XXXX applied for the application for me. He then charged XXXX percent on the line of credit to pay himself. I have a thread of text messages proving I did not apply for the card and how he changed my information to receive commission. I have evidence of fraud for multiple banking companies. XXXX XXXX XXXX would have specific people that he said I had to talk to. He applied for credit I didn't need, changed my information, then paid himself. The charges on the JPMCB credit are fraudulent. CFPB please investigate XXXX XXXX and complete an audit of my entire account application process.
Consumer complaint received 2023-01-09
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. (IL)

I DID NOT GIVE THEM WRITTEN PERMISSION TO REPORT THIS INFORMATION WHICH IS A VIOLATION, I HAVE A RIGHT TO PRIVACY!
Consumer complaint received 2021-04-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a complaint case ( # XXXX ) with Bank of America. 

There are 2 payments scheduled deliver on XX/XX/2020, one amount {$4200.00}, another amount {$3100.00} from my HELOC account to XXXX XXXX tax collect department. The bank sent XXXX XXXX tax collect department 2 checks. When XXXX XXXX tax collect tried to cash the checks, they were rejected. Now it passed the deadline of property tax payment and I'm facing penalty. The problem is still not resolved. Bank of America told me they even can't find the checks were tried to be cashed. 

I have the second installment payments which are on the same situation and I worry they will be rejected too.
Consumer complaint received 2021-04-20
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: EQUIFAX, INC. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2021-04-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

My small business closed in early XXXX. About one year later, the bank account associated with my business was debited by a " Merchant Service. '' Initially, the debits were small, {$39.00} each month, they went unnoticed. Late XXXX, a debit for {$300.00} appeared on my statement which finally alerted me something was not right. I went to my bank ( XXXX XXXX ), explained that I suspected fraud on my account and requested that all activity be halted on the account. In XX/XX/XXXX, it became necessary to close the account altogether because the bank could not stop the debits as they were " contractual. '' I was informed that " Merchant Services '' was, in fact, a company named XXXX ; I did not have a contract with this company, nor did my small business when it was operating. I contacted XXXX immediately, by phone and email, numerous times. XXXX is a subsidiary of XXXX, which is part of Global Payments , Inc . In total, my business account was debited {$2500.00}. On XX/XX/XXXX, I was informed by XXXX XXXX, a customer service manager with XXXX that I would be awarded {$940.00}, " totaling 6 months of refunds as a goodwill gesture. '' Since his response email, Mr. XXXX has not returned my phone calls or subsequent emails, nor have I been refunded any of the fraudulent merchant service charges. In short, XXXX XXXX XXXX began debiting my business account nine months after my shop closed without a contract or agreement for a total amount of {$2500.00}.
Consumer complaint received 2022-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX Account is settled and older than 7 years, it needs to deleted off my credit report. I need to purchase home and this is hindering it.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-09-27
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. (OH)

I was called by lawyers wanting to represent me in order to get rid of hard inquiries and derogatories on my account. I wasn't aware that there were hard inquiries and do none have contracts with these companies. Due to the fair credit reporting act, legally, these unverified and unauthorized items need to be removed. Please remove them. The accounts are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2021-05-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (AZ)

We refinanced our home loan and the previous mortgage was paid in full on XXXX. We did not receive our escrow check, ( {$2200.00} ), so I called to see where the check was/is. They told me I had to wait thirty ( 30 ) days after the check was mailed before I could request a new check. I waited the prescribed thirty ( 30 ) days and called back. I was told they would " overnight '' the check to me at the address I provided them which is different from the home address, I am out of town working. I then called for the third time on XX/XX/XXXX and was told " We mailed the check on XX/XX/XXXX ''. I replied I find that hard to believe since that was a Sunday! They then said " Oh it was processed on XXXX and mailed on XX/XX/XXXX. And yes we do work on Sunday. '' They said it was not overnighted but sent regular USPS mail. I called back today, XX/XX/XXXX, and am now told, it was mailed on the XXXX of XXXX, the same date as my last call AND sent to the address where I am not because I am out of town working as previously mentioned. I am now told I will have to wait yet another thirty ( 30 ) days after XX/XX/XXXX before I can call back and request a new check. However, this time the person assures me she has put in the correct mailing address and they will overnight it.