davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been a long time Bank of America customer ( 30+ years ) and signed up for a Bank of America Travel Rewards card knowing that as I accrued points in their reward program I could one day redeem them for statement credits against future travel expenditures. 
Well, the day came in which I traveled to a Hotel and used the card. In fact, the charge on my billing statement specifically labels the charge as " XXXX XXXX '' and also highlights the foreign city in which the hotel is located. 
Upon receiving my billing statement I went redeem my accrued points against this Hotel charge and was perplexed when I did not see that the Hotel was available for travel credit. I called Bank of America 3 specific times to try to talk with someone. The representatives agreed that it was silly that a Hotel charge was not available for travel credit. On the 2nd call to Bank of America I was told that the charges are NOT classified as a Hotel thus they would not be available for travel credit redemption. I told them, of course it is a hotel ( HOTEL is in the name of the charge ) and they are happy to look it up online ... Bank of America said that they would escalated it. After Bank of America not getting back to me in their promised timeframe ( with only days left to pay my bill ) I called for the 3rd time and was told that in their system the HOTEL charge did not show up as a hotel ( not my fault ) and that they would not honor my ability to use my accrued points against travel charges. No one could explain to me why this was the case and no one at Bank of America would take ownership to correct this situation. Frankly, at this point, I would label the Bank of America Travel Rewards card as a " bait and switch '' scheme to attract customers to become long time users ( as it takes time to accrue points ) and then, when you go to use them for actual travel, they deny the use of credits. I have been a longtime customer at the bank, we 10+ accounts and now will most likely unwind my 30 year relationship because Bank of America refuses to do the right and honorable thing. This is NOT the type of financial institution that can be trusted anymore.
Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (FL)

XXXX, a cable and internet provider, had supplied service to my prior residence located at XXXX XXXX XXXX, XXXX XXXX, XXXX. I moved on XX/XX/2022. I terminated service on XX/XX/2022 and all equipment was surrendered. Enclosed is a copy of the receipt they provided which specifically acknowledges that all services were terminated and all equipment was surrendered. Weeks after the move, XXXX rendered a bill for services beginning on XX/XX/2022. I sent a letter to the company dated XX/XX/2022, together with a copy of their receipt showing that all services were terminated and all equipment was surrendered and they called my cell phone several days later to state that my letter was received, an error was made and no monies were due. I asked them to acknowlege this in writing. They refused. They said that I would receive another invoice showing a XXXX balance. The writing which they promised never arrived- all mail was forwarded by USPS to my new address. 

Today, I received notice from a third party debt collector, CBHV, claiming that I am in arrears for failing to pay the precise amount that was described in my letter of XX/XX/2022 - which XXXX claimed was not due.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (FL)

I was incorrectly charged finance fees in addition to multiple late fees ( {$29.00} & {$39.00} ) that kept increasing over a period of a month. I've written to my credit card company since XX/XX/XXXX to rectify this billing error. Since I've written them, they have reported one late payment to my consumer report. This is against the law per U.S. code 1681s-2 which states the responsibilities of furnishers of information to consumer reporting agencies ( a ) duty of furnishers of information to provide accurate information prohibition ( 1 ) reporting information with knowledge of errors. Furthermore, reporting an experience or transaction between a consumer and the person making the report is also illegal pursuant to 15 USC 1681a 2 ( a ) ( i )
Consumer complaint received 2021-01-25
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: DISCOVER BANK (CA)

On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Opened XX/XX/2014 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-03-06
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: Mr. Cooper Group Inc. (NJ)

During the month of XX/XX/XXXX I contacted Mr.Cooper and explained I was having a financial hardship and I was looking for options to help me avoid missing a payment as well as damaging my credit history. I spoke with a representative, they reviewed my file and offered me the option of getting on a loan repayment plan in which they would apply my XX/XX/XXXX payment due to XXXX subsequent payment. They never verbally disclosed nor explicitly stated in their repayment letter which i have enclosed that would be hit with a 30 day late on my report. In fact, I have been charged late twice once in XX/XX/XXXX and again in XX/XX/XXXX. Additionally when I was enter into this plan my payment due date changed from a pay by date of the XXXX of the month to the end of the month.As you can see by my posted payments I have met these terms.Why are they allowed to offer me relief while still damaging my credit with late reporting s?????
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-31
Product: Mortgage — FHA mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY (IN)

To whom it may concern I XXXX XXXX am submitting a second statement, I filed for bankruptcy of the year XXXX, wells fargo did not report my house back to the credit bureaus they put it on the lawyer named XXXX XXXX in XXXX and, he called wells fargo and I was on the phone and told them that they leid, I was told though wells fargo I will never get my house back on the credit bureaus, why I don't know, he told me I need to do the work myself to figure it out. Please help I have XXXX credits. Because of wells fargo. XXXX XXXX XXXX XXXX XXXX. My bankruptcy ended when I went to court.
Consumer complaint received 2023-03-06
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. (AZ)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611.

states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-03-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc. (CA)

My XXXX XXXXXXXX XXXX XXXX sent me for XXXX XXXX XXXX XXXX  to one of their partner offices XXXX XXXX XXXX, I had to pay for many services like exams again. After all I paid {$45.00} for visit, {$610.00} for the job after the insurance covering {$270.00}, - of it. Now after a few weeks I received another letter from their office for {$210.00},- and at the same time I received a letter from the mentioned debt collector Amer Assist for the {$210.00}, - When I called the dental office they just said that they will ask a manager to call me. But that never happened. After contacting my insurance they gave me the numbers they paid to the XXXXl office and it clearly showed that I was over charged. So they also told me that they will send a letter to them to refund me the balance. 
Explaining all this to Amer Assist I was told that if I dont pay it will be reported to the collections. The only chance was to pay them or have the XXXX XXXX  contacting the collections to remove their request. 
First I dont understand how rude can the XXXX office be, by sending the request to me and to the debt collectors at the same. 
Second how come that Amer Assist didnt even take the effort to look at the bill and bring to their attention that their bill was sent to them immediately when it was sent to me at the same time. I didnt get a chance to pay it. Now it is forced this way. 
No problem that {$210.00} will not kill me. But Ill see them at the small claims court. 

Welcome to America, Big eats Small
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: Synovus Bank (GA)

Today I went to the bank XXXX & XXXX XXXX Georgia with a check to cash, Im an XXXX XXXX, I'm automatically wrong just by being a blackwoman.I was racially profiled.I sat at the bank for over 30 minutes They told me they had to verify the check, and they needed a cold to verify the check, They have to call a XXXX number, They needed a code to process the check. The simple code was the teller calling the owner from her cell letting her know my name and the amount. After that happened they cashed the check apologized as I walked out I told them I was racially profiled and it was wrong what both tellers did, I left the teller called the owner that gave me the check, The owner called me went off on me and told me I was not welcome in her store anymore because of what the bank told her. I Told her I can't believe this just because of what the bank said, but I called you and told you your employee was trying to buy my pain pills from me keep calling my phone numerous at times got my information from the office and wouldn't leave me alone. That's why I went off in your store that day, She shot me up and told me none of that mattered, The other people are Caucasian what chance would I possibly have, been a XXXX XXXX stage XXXX XXXX patient. I'm not allowed to come back in anymore. All because of what the teller called and told her, I was racially profiled bottom line, I don't know if I have to get XXXX XXXX or any other XXXX American Advocate but I could not have went off that bad after being shot, having lupus and having stage XXXX XXXX. Going through XXXX XXXX times a week. Not once did I use profanity, never got loud with my voice, only simply questied them because me and other people that was in line knew they were wrong. Other customers waited on me to come outside and tell me Did they cash it That was so wrong. Not only they violate me of my rights They called the owner all the connections are right there How do a XXXX woman stand a chance by herself. Whatever ball is thrown at me I have to eat it up.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX- Has violated my rights XXXX XXXX - {$3400.00} - Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX - Has violated my rights XXXX XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XXXX XX/XX/XXXX - Has violated my rights XXXX XXXX XXXX XX/XX/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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Over 60 days ago, I sent letters to the XXXX major credit bureaus and till this day I haven't been notified about this investigation. I would like this issue treated immediately. This is affecting my financial situation while I am currently enrolled in school. Please resolve this issue, I do not want to have to pay more money than I need to as a student. I need every XXXX. I will file for litigation if I have to.
Consumer complaint received 2023-01-31
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. (MS)

I received copies of my credit report in XXXX of XXXX. I noticed that information was being reported inaccurately. I disputed the information with ALL THREE credit bureaus to which I received either a stall letter or no response at all. I sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as well as XX/XX/XXXX. I have not received an update regarding my disputes, nor have I received an investigation letter. I only received stall letters. I provided a copy of my lease agreement and my driver 's license to prove my identity in my initial letter. The bureaus are inaccurately reporting late payments on my credit report for the creditor XXXX. 

XXXX is reporting 5-30 day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late 5 months consecutively? XXXX is also reporting 2-60 day late payments for XX/XX/XXXX and XX/XX/XXXX. Again, how can a person be 60 days late 2 months consecutively? XXXX then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

Experian is reporting XXXX day late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They reported XXXX day late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can a person be 30 days late for 6 months consecutively? How can you report 1-60 day late payment for XX/XX/XXXX and then start with a 30-day late payment for XX/XX/XXXX? How can a person be 60 days late for 2 months consecutively? Experian then reported a 60 day late payment for XX/XX/XXXX with XX/XX/XXXX being reported as on time. How can a person be 60 days late when they were just on time for the previous month? This is a FCRA Violation. 

XXXX is reporting on time payment history from XX/XX/XXXX to XX/XX/XXXX which directly contradicts what was reported to Experian and XXXX. However, XXXX then reports a 60 day late period for XX/XX/XXXX. How was XX/XX/XXXX reported on time but XXXX XXXX 60 days late? XXXX again reported XX/XX/XXXX as 60 days late with XX/XX/XXXX being reported as on time? This is a FCRA Violation. 

I have provided this information to all 3 bureaus several times with them blatantly ignoring me or purposely stalling by requesting information that was included in the initial letter. This is a violation of the FCRA and is purposely prohibiting me from accurately displaying my credit worthiness and ability to pay on time to potential lenders resulting in credit denials that otherwise would be approvals.
Consumer complaint received 2020-07-17
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: Experian Information Solutions Inc. (TX)

XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception Remains XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Filed ftc 60 days ago
Consumer complaint received 2023-01-31
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CO)

I have been attempting to use my Express store credit card issued by Comenity Bank for several months now, both in-store and online. Each time the card is declined. I have called Comenity Bank many times. The first time, I was told that the card needed to be replaced because it used 9 digits as the card number and they were replacing the card and account with a 12 digit number and a new card would be sent to me. After several weeks and not receiving a card, a called again and was told that there was a glitch in the system and the card was not sent but they would be sending it out that day. After several more weeks without receiving a new card, I called again. This time I was told that the account was restricted. I was transferred several times. Finally, I was told that the only note on my account was to contact the credit bureaus with no other details. I contacted all three major bureaus via phone. Two of them had no idea what I was talking about. The third one said it looked like a different Comenity Bank card had an error as it said my balance was {$10000.00} more than the limit which shouldn't be possible. I filed a dispute. Several weeks later the company verified that it was an error ( there was no balance ). Again, this was a completely different account. Once I verified that it was corrected on the credit report, I called Comenity Bank again, again having to re-explain everything. I was told that no manger was available but that the account was still restricted with no notes as to why in their system. I have called 2 more time since then and each time I am told that there is no manager available or that the correct department is at lunch, and to call back after another 3 business days. I have now called more than a dozen times and am still no closer to getting a working card or account, or getting an explanation as to why my card/account number will not work. I have verified that the account is in good standing and that there is no balance both on the Express Comenity Bank website and on my credit reports. I have been told that I can not close the account because it is frozen due to the restriction and that I can not open a new account because I already have one open.