davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I overpaid my Bank of America VISA credit card in XXXX of 2022. When I discovered this, I called customer services to request the overpayment ( just over {$3500.00} ) be reimbursed to me. I was told a check would be sent in 7-10 business days. 6 weeks later, after not receiving the reimbursement check in the mail, I contacted the Bank of American VISA credit card customer service again inquiring as to where the check was. The agent did not know. So I requested a stop payment on any check sent and requested a transfer of the funds to my Bank of America checking account. Weeks continued to go by and still the money was not transferred to my account. I had to contact customer service several times ( and escalate the request ) until I finally received the transfer nearly 2 months after the initial request. Because of the lack of responsiveness on the part of Bank of America, I was unable to pay my mortgage. As a result of my being delinquent with the payment ( because my money was tied up with Bank of America and not reimbursed to me ), I now have a negative mark against my credit for 7 years. 

This is totally unacceptable. I will be canceling my Bank of America credit card. I wanted to have this on record with your organization in the event someone else has the same issues. 

*All of this is documented with specific dates and times via Bank of America credit card customer service XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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. (LA)

In accordance with the fair credit reporter act XXXX XXXXXXXX XXXX XXXX XXXX amount XXXX XXXX # XXXX Date : XXXX. has violated my rights 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 Section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions or consent under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. 

XXXX has reported the following : XXXX  XXXX XXXX XXXX XXXX  ) : For a debt that can not be verified. The debt does not belong to me. 
XXXX XXXX : XXXX DAYS LATE XXXX XXXXXXXX : XXXX  DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : XXXX & OUTSTANDING XXXX / XXXX : MY ACCOUNT IS NOT CLOSED THE COMPANY CHANGED. REFLECTING A CLOSED ACCOUNT IMPACTED MY SCORE NEGATIVELY. 

XXXX has reported : Collections : ( XXXX XXXX ) XXXX XXXX : XXXX DAYS LATE XXXX  XXXX : XXXX DAYS LATE Experian : XXXX XXXX : XXXX DAYS LATE XXXX XXXXXXXX : XXXX DAYS LATE XXXX XXXX XXXX : {$1700.00} XXXX XXXX XXXX XXXX : LATE & OUTSTANDING
Consumer complaint received 2024-10-18
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)

Recently, I did an investigation on my consumer credit report and I found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code1681i ( 5 ) Treatment of inaccurate or un, verifiable information ( A ) In general if, after any investigation under paragraph ( 1 ) of any information disputed by a consumer, any item or information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please Remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-29
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: Experian Information Solutions Inc. (VA)

On Saturday, XX/XX/2022, I received an email alert from Experian that a new account had been detected by XXXX on my credit file, therefore impacting my credit score. Someone has fraudulently opened a " XXXX '' credit card or bank account in my name. Upon further investigation, I learned that XXXX XXXX " is a digital banking platform and the only full-suite banking solution for internationals in the U.S., providing U.S. bank accounts, debit and credit cards. '' This is the second time that someone has opened a " XXXX '' account in my name and triggered an alert from the credit reporting agencies and the 10th+ time I have wasted valuable time and resources investigating and disputing these nefarious activities. I have no interest in contacting XXXX XXXX  directly, as I am suspicious of their legitimacy.
Consumer complaint received 2022-07-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VA)

In XX/XX/XXXX I ordered new XXXX   and opted for having them financed. On XX/XX/XXXX I was XXXX  for a month and a half and unable to handle my personal affairs. 

When I finally received the bill it was a few days past the due date so I sent a payment for the total of the bill of {$2900.00} on XX/XX/XXXX. 

In XXXX I got a late charge bill for {$60.00} and remitted it to Comenity XXXX XXXX XXXX 

I transferred {$60.00} through my online banking on XXXX and on XX/XX/XXXX my {$60.00} was reversed and returned to me. 

I am tired of receiving phone calls SEVERAL TIMES A DAY and most are from a different number for the same company. 

As a side note..I did not receive my dentures  until XX/XX/XXXX. 

I am getting between 3 and 5 calls per day and if I answer I only get a recording. I have called several times but nothing has been resolved except the last call I was told if I sent {$50.00} now they would stop the calls. I replied that they would just return the payment so I was not going to send it.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

Dear Experian, I am writing to formally dispute the accuracy of information regarding a charge-off account listed on my credit report. According to 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), all information in my credit report must be 100 % accurate. I have identified several inaccuracies associated with this account, which I believe violate these provisions. 

Please find the details of the account in question : Account Name : XXXX XXXX XXXX  Account Number : XXXX Inaccuracies : Date opened High credit limit Credit limit Last reported Date last active Date of last payment I request that you conduct a thorough investigation of this account. If the inaccuracies are not rectified, I ask that this account be removed from my credit report as required by law. 

Please be advised that if this request is not fulfilled within 30 days as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), I will consider pursuing litigation to seek damages of {$1000.00} for each inaccuracy reported. I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-29
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. (IN)

I have incorrect addresses reported on my credit report, that have accounts attached to them that are not mine. 

The following addresses on my credit report, I have NOT lived at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

I was under the impression that my student loans were under the forbearance that was extended until the end of the year XXXX XXXX XXXX. I never received any communication from AES about my loan payments starting back up again. I use paperless billing and never got an email or a phone call about this. The only reason I realized what had happened was I got XXXX or XXXX emails in a day from my credit reporting agency that my credit had been lowered. Checking my score revealed that it dropped XXXXXXXX XXXX Devastated, I contacted AES and spoked with a Customer Service Rep. who said that they sent out emails and letters, but I never received them. I checked my trash thinking I deleted them by mistake. No, there wasn't a single email stating my account was past due. I use my phone a lot for my job and receive numerous phone calls. I never received a voicemail stating that my account was past due or that they would be taking action on my credit report. When I asked if there was maybe something they could do, because I was never informed she flat out refused and said that it would it ruin the integrity of the credit reporting companies if they did. I think it's egregious that I was never informed and the only way I found out was through my credit company letting me know that my account took a massive hit. XXXXXXXX XXXX  that's ridiculous, especially after I took my time and care to build it back up after being affected by the pandemic. There was no sympathy or willingness to help someone who clearly needed. It's companies like this who have preyed upon people and don't have anything done to them.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TN)

{$8500.00} payment made on XX/XX/XXXX, balance reduced but avaliable credit went to {$0.00} and has stayed. Contacted TD multiple times regarding when it was updated and have been told they can't tell when it will be updated. The payment cleared my bank on XX/XX/XXXX. At this point I am not sure what is going on.
Consumer complaint received 2022-10-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (NH)

Getting harassed by XXXX different collection agencies over a soon to be ex wife 's and mother in law 's XXXX XXXX XXXX  phone bill. first time was disputed back in XXXX XXXX today XXXX I received a letter from Sequium Asst Solutions LLC over the same phone bill. on there letter states on XXXX they are looking for {$1500.00} for a back XXXX XXXX XXXX  bill from my soon to be ex wife and her mother. I called the company. all the person wanted was money and demanded me to pay it buy XXXX. Didn't care why or how the bill was in collects to begin with. All the person wanted to was to reduce the bill to {$1200.00}. i am still fighting to get this bill and others but I am waiting for the courts to sort everything out.
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX is still being reported as an incorrect balance of {$700.00} on all my credit reports. The balance is {$5.00} I have documents attached showing proof of the correct balance. All 3 credit bureus has still not updated the balance in there system.
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (IL)

I received a notification of a debt that went to collections for the company XXXX XXXX XXXX for {$660.00}. I called the collections company and they informed me that the account with XXXX XXXX XXXX was opened on XX/XX/XXXX and the service turned off on XX/XX/XXXX. They provided the account number and address of the service I supposedly owe and it is located in XXXX, XXXX. I am located in XXXX, XXXX  and I have never lived ( or even visited ) XXXX. 
The mentioned company provides solar and wind energy to homes and I do not own a home, I am an apartment renter. 

Through one of my credit score providers, I also found out that my name is linked to 3 different addresses in XXXX, again, I have never resided in XXXX.
Consumer complaint received 2022-10-13
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. (DE)

XX/XX/2022 Hello, This is a second attempt in contacting your agency in regard to incorrect personal information being reported to my credit report. There are fraudulent accounts and addresses being reported to my credit report by your agency. Fraudulent in this respect, names, addresses, and employment information that does not belong to me. Attached, is the previous letter sent to your agency. 

PLEASE DELETE THE FOLLOWING NAMES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My name should instead be reflected CORRECTLY AND ACCURATELY on my credit report. My name should be listed as the following : XXXX XXXX XXXX, XXXX. 

Attached with this letter I have included a copy of my STATE IDENTIFICATION CARD to verify this information. 

Please also delete the following addresses as they do not and have never belonged to me : XXXX XXXX XXXX XXXX XXXX, DE XXXXTHIS IS NOT/WAS NEVER MY ADDRESS. 
XXXX XXXX XXXX XXXX XXXX, DE XXXXTHIS IS NOT/ WAS NEVER MY ADDRESS. 

My address should be displayed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX I have given your agency ample opportunity to correct this information. YOU ARE IN DIRECT VIOLATION OF MY RIGHTS AS THEY PERTAIN TO THE FAIR CREDIT REPORTING ACT. Pursuant to ( 15 U.S.C 1681 ( e ) subsection ( b ) ), which states, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I HAVE PROVIDED PROOF. 

15 USC 1681 ( i ), which states, ..If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 )... 

Please DELETE this inaccurate information within 15 days of the receipt of this letter. Please also forward an updated credit report reflecting these changes to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX. 

I HAVE ALSO FILED A COMPLAINT WITH THE CFPB. A COPY OF MY REPORT IS INCLUDED WITH THIS LETTER. 

ENCLOSED WITH THIS LETTER : Prior dispute ID and Social Security Card Current Utility Bill CFPB Complaint With Kind Regard, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX removed XXXX XXXX and XXXX from my file. I have requested several times from XXXX, Transunion and XXXX to remove XXXX  XXXX  XXXX XXXX because it was included in the Bankruptcy therefore by law should be removed. 
Not doing so is causing me great hardships and emotional abuse because of the defamation of my character.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I tried to open a dispute for 3 transations that the merchant never sent the purchases trough the online banking, but the system is not allowing to do that. Also I tried to call the customer service trough XXXX because right now Im abroad and there is a record voice saying that " my call cant be connected ''. 

Transaction 1 : Posted on XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX, must be delivered on XX/XX/XXXX. 
Transaction 2 : Posted on XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX, must be delivered on XX/XX/XXXX. 
Transaction 3 : Posted on XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, must be delivered on XX/XX/XXXX. 

This were transactions made face to face in the shop, but they gave more than one month for the delivery, because they dont have any stock on the shop. 
I tried to reach them asking the situation about the purchases adn they never answer the emails and phone calls, and the store looks like is closed.
Consumer complaint received 2022-09-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please be advised this is my XXXX WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX. XXXX DAE OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}.
Consumer complaint received 2022-10-05
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. 
Car was Financed with Golden1 Credit Union and Gap Coverage with XXXX XXXX My son had a Total loss accident on XX/XX/XXXX. 
Today is XX/XX/XXXX and my account with Golden1 has been placed in collections for {$8100.00} as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX has been calling me on behalf of the credit union. My credit score is at poor and it saddened me that this has become a nightmare. 
XXXX paid right away and I assumed my Gap Coverage would take care of the balance shortly thereafter. After numerous calls with XXXX, Golden1 Credit Union, and XXXX i was told not to worry it would be taken care of. 
Months go by I assumed the credit union was paid in full. Unfortunately, they were not and this balance became my responsibility. XXXX made the first payment of {$2500.00} in XXXX and this left me with a balance. I was unaware why, called and called, I finally was told that I also needed call XXXX Dealership to issue a refund to the credit union. This was the first time I was ever told this and it now months after the accident. The rep. told me they dont know if they can back dated to XXXX because it is now XXXX but she would do her best. By now my account has been sent to Collections and XXXX XXXX XXXX are calling me for money that I understood the Gap Carrier was to pay. XXXX issued payment XX/XX/XXXX in the total amount of {$3400.00}. XXXX made an additional payment of {$190.00} XX/XX/XXXX. To my surprise XXXX XXXX XXXX has no record of these payments and as of today, they are requesting {$8100.00}. I called the credit union twice today and each rep. treated me very unprofessional and like XXXX! I am totally disappointed and my credit score is damaged. I feel that I have been treated unfair, between the insurance carriers, the credit union and the dealership this should not have happened and I should have a XXXX balance due. Please help!
Consumer complaint received 2024-10-18
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. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.