davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-29
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 (CT)

Hi, I have a Visa credit card from Bank of America, and as a Platinum Honors member, I am supposed to earn a special bonus rewards totaling 5.25 % for all " online transactions ''. However, I noticed recently that BOA seems to arbitrarily change/reduce the rewards I am entitled to get, and here is a recent example. 

On XX/XX/2022, I bought online four airline tickets, each costed me {$420.00}, and totaling {$420.00} X XXXX = {$1600.00}. Since this was an online transaction, I notice that only two tickets were processed correctly - each giving me a reward in the amount of {$420.00} X 5.25 % = {$22.00}. However, they failed to process rewards for the other two tickets in the same way, rather they only gave me {$420.00} X 1.75 % = {$7.00} each. So I called them, and pointed out this processing error and demanded a credit. The representative initially tried to send me off and tried to convince me that there was no mistake. However, once I pointed out the inconsistency in them processing XXXX tickets from the same transaction, she changed her message and told me they will open a case and investigate. 

I just received a letter in the mail today dated XX/XX/2022 from BOA, informing me that theyve now concluded their investigation and there were no mistakes. The explanation they quoted in the letter doesnt seem to apply to my situation and doesnt make logical sense to me either. 

Here is my request to Bank of America : 1. Credit back my rewards in the amount of {$88.00} ( i.e. {$22.00} each for four tickets ). 
2. Worth noting that I only paid attention to this transaction because of the large transaction amount, there may be other many transactions that I was ripped off as a consumer but didnt catch. I demand Bank of America also do a thorough review of my other transactions to make sure that mistakes like this get changed in a timely manner.

3. Set up necessary internal review process/controls to review and catch mistakes like this and correct them before sharing with customers, and provide their employees with necessary training to address customers concerns when called. 
4. Take necessary corrective actions to stop this kind of fraudulent practices to arbitrarily take way rewards/benefits from their customers, and pretend to give explanations that are either irrelevant or dont make logical sense. 

Thank you!
Consumer complaint received 2021-10-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Service Finance Holdings, LLC (NC)

On XX/XX/2021 I applied for credit to purchase a new AC unit for my house and was offered financing interest free for 12 months through service finance company llc XXXX XXXX XXXX XXXX Oh XXXX. 
Every month since then I have had difficulty paying my bill. It only arrives a few days before it is due, and while they say they have the ability to pay on the phone or online those options are not available. The web site has never worked, I am unable to even set up an account. And today when I went to the web site and got a phone number it was for a different company. I entered my account number and received a message saying they had no record of it ( which makes sense it being a different company ). Now my bill is 2 days from being due, and I am unable to pay. It seems the only reason to make it so hard to pay is that then I will have violated the terms and can then be charged interest and penalties.
Consumer complaint received 2022-10-11
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. (FL)

In accordance with the Fair Credit Reporting Act 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-08
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RoundPoint Mortgage Servicing LLC (MO)

I sent a debt validation letter to ROUNDPOINT MTG XX/XX/2022 asking to provide me with proof that I own this debt, and they have failed to respond. I then looked at my credit report and noticed that they are still reporting this inaccurate account on my credit report without validating it. The law is clear on this issue, you cant continue report a disputed debt if you failed to validate. Because of their actions, they have violated the FDCPA act which carries a fine of {$1000.00} for every incident, and FCRA for reporting inaccurate information on my credit. This violation also carries a fine of {$1000.00}. I would appreciate it much if you remove the account I will be listing below
Consumer complaint received 2019-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I purchased a generator online from a vendor named " XXXX   '' on XX/XX/2019 on XXXX XXXX for {$220.00} I received an email giving an order number, XXXX, and that the order was being processed. My credit card was processed on XX/XX/XXXX with a description " XXXX ''. ( attached ) I emailed a reply on the XXXX asking what the status of my order was. The email came back unavailable. ( attached ) I became suspicious and immediately tried to find the vendor. When I couldn't I researched the vendor " XXXX '' and found a XXXX video called " IT XXXX STORE SCAM ''. It tells how they use 3 countries from a set up site to scam victims. 
The url is : XXXX : XXXX? XXXX I IMMEDIATELY disputed the charge and sent them everything I am sending you today. Capital one took the charge off on XX/XX/XXXX only to REBILL it again on XX/XX/XXXX. I called them and they AGAIN REMOVED the charge on XX/XX/XXXX! XXXX attached ). 
I had become disenchanted ( for lack of a better word ) with this company so I paid off my bill so I could close the account. They IMMEDIATELY REBILLED that same amount of {$220.00} A THIRD TIME on XX/XX/XXXX, preventing me from doing so. 

I have called them no less than 6 times during this time and have been told it was taken care of, that they would call me back if there were any issues, etc. Now they are saying time has elapsed and they are not taking the charge off after they had done so twice already. 

I have spoken to Capital One no less than 6 -8 times over this and I am at my wits end. 
I have a friend who lives 5 blocks away who bought the same generator and his card was credited 2 days later. 

This has become very frustrating!
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The Outsource Group, Inc (NC)

Medicredit is double reporting medical debts. There are XXXX debts reported XX/XX/2022 for {$110.00}, {$120.00}, {$150.00}, {$170.00} The same amounts are again reported on XX/XX/2022. Now instead of XXXX collection accounts, I have XXXX. I have called the company and they are unable to give me an itemized bill for these charges.
Consumer complaint received 2020-05-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of America Ltd. (CA)

This complaint is for Collection Bureau of America. They are being negligent and unfair. 
I tried to fix this issue witht them in the past, but I have not been heared. I really hope to get a fair solution to this issue, because is overwhelming. Account information : Collection Bureau of America Account # XXXX/Date Opened on report : XX/XX/XXXX, XXXX/Balance $ XXXX/Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 

Back on XXXX, I sent to Collection Bureau of America a rquest for debt validation. As of today, they have failed to investigate the item, and also to mark the account as disputed. These are two serious violations under the California Credit Reporting Act.  Also, they are reporting a wrong opening date. 

I am demanding a deletion letter for my records, and this item to be removed from my credit reports. 

Please send the attached documents to Collectin Bureau of America. 

Thank you.
Consumer complaint received 2020-05-14
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. (VA)

Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. 

The inquiries are : XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX Mortgage  Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (TN)

i received alerts of a collection account being placed on my credit report by cedars business services after looking into the matter it is coming from i robot corporation. i called the collection agency who did everything they could to collect this XXXX even after i explained to them i did not order anything from i robot. i explained i had a fraud alert on my credit report and i am a victim of identity theft. The agent was more concerned with paying the debt then trying to resolve the issue. i did not open a i robot account no information was used to order this item which i dont even know what it is besides my name no birthdate or social security number nothing. they are aware of my complaint as ive exhausted myself in talking to them to resolve the issue. a police report for id theft was filed and will be attached.
Consumer complaint received 2022-10-16
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. (TX)

I am making this complaint to properly notify the credit reporting agencies of the pending disputes with the listed company that the credit reporting agencies falsely furnish on my report. On XX/XX/2022 the listed company was given notice pursuant to 15 U.S. Code 1602 ( k ) - the company never provided adequate notice which clearly and conspicuously mentioned the pertinent facts of these transactions causing me to make an uninformed decision. Further, the only evidence of indebtedness provided was just a computer-generated agreement. There's absolutely no way a computer generating a bunch of generic agreements is creating adequate notices, or agreements that everybody can understand. Lastly notice was given to the company listed for their unauthorized use which is defined in 15 U.S. Code 1602 ( p ) use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. And the credit reporting agencies are complicit and continue to violate my privacy by disclosing my nonpublic information. You might want to remove the accounts because you will be held accountable just like the companies listed. If you have any questions contact me at XXXX.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am making this complaint to properly notify the credit reporting agencies of the pending disputes with the listed company that the credit reporting agencies falsely furnish on my report. On XX/XX/2022 the listed company was given notice pursuant to 15 U.S. Code 1602 ( k ) - the company never provided adequate notice which clearly and conspicuously mentioned the pertinent facts of these transactions causing me to make an uninformed decision. Further, the only evidence of indebtedness provided was just a computer-generated agreement. There's absolutely no way a computer generating a bunch of generic agreements is creating adequate notices, or agreements that everybody can understand. Lastly notice was given to the company listed for their unauthorized use which is defined in 15 U.S. Code 1602 ( p ) use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. And the credit reporting agencies are complicit and continue to violate my privacy by disclosing my nonpublic information. You might want to remove the accounts because you will be held accountable just like the companies listed. If you have any questions contact me at XXXX.
Consumer complaint received 2020-05-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Good afternoon, I have applied for a mortgage and rate shopped with three lenders. According to the Consumer Financial Protection Bureau, shopping around for a mortgage will not have a negative affect on my credit score as it is considered 1 inquiry as long as it is done in a 45 day window. My credit score has dropped on all 3 of my credit checks for mortgages. I called all 3 credit bureaus and was told that that only applied if it was the same mortgage company. One tech even hung up on me. I even quoted the information on the CFPB website and was told that was incorrect. I am not able to dispute or have them correct the information so that it won't affect my score 3 times. 

The inquiries are : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX
Consumer complaint received 2022-10-16
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

UNKNOWN ACCOUNTS : XXXX XXXXXXXX XXXX XXXX Account # XXXX {$5000.00} XXXX XXXX Account # XXXX {$2100.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX {$350.00} XXXX Account # XXXX {$2800.00} XXXXXXXX XXXX Account # XXXX {$25000.00} UNKNOWN INQUIRIES : XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXXXX/XX/2021, XXXX XXXX XX/XX/2021
Consumer complaint received 2022-04-29
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. (TX)

I have been trying for HOURS to get ahold of anybody at Experian. I have an existing despite j need deleted it is affecting me getting my house I am purchasing. I have called multiple numbers with one lady answering one single time only to tell me she would have to transfer me. Automated system gives you two options of hangs up on you and days they are unavailable to help you at this time. This is the worst company ever to deal with I would high recommend never hanging to deal with them XXXX and XXXX were 100 % helpful and tentative to all my needs especially via phone.
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LAKEVIEW LOAN SERVICING, LLC (SC)

My ex-wife filed for bankruptcy in XXXX and Lakeview XXXX was the only mortgage company that locked out my access to my account and turned off my autopay feature. I was forced to make manual payments each month and they would not provide me with any of my account documents or statements. Two times during the ex-wife 's bankruptcy, payments arrived late and negatively impacted my credit report. 

In XXXX the bankruptcy was closed and they refuse to give me back access to my account or send me my loan documents or statements while they are increasing my rate unannounced to me due to an insurance increase many months from now. This most recent increase that was not communicated with me has triggered a scenario where they are marking my account as deliquescent on my credit file because my bank auto-draft payments did not meet the increase. My documents and statements are still being sent to the ex-wife 's attorney even after they have been provided proof that the bankruptcy and divorce are closed. 

Lakeview XXXX will not provide me access to my account on my loan in my name due to a formality where the ex-wife 's name is on the mortgage and they are trying to force me to restructure the loan and go to a higher interest rate in the current market. I am not required or obligated to refinance and should be provided access to the account again. I have spoken to the other mortgage companies I have loans with and their reps tell me that Lakeview XXXX is operating under some bizarre policy that their company has created and it does not comply with the mortgage industry standard in this circumstance.
Consumer complaint received 2022-10-11
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. (AZ)

In accordance with the FCRA account # XXXX, XXXX Opened XXXX has violated my rights due to the following : [ 15 U.S.C 1681 ] section 602A - States that I have a right to privacy.

[ 15 U.S.C 1681 ] Section 604 A, section 2 - states a consumer reporting agency can not furnish any account without my clear written instruction.

[ 15 U.S.C. 1681a ] Section 603, Section 2A, Subsection ( iii ) - communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information. may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Consumer complaint received 2022-10-08
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: Bread Financial Holdings, Inc. (OH)

I've received two hard inquiries from COMENITYCAPITALXXXX that are less than 30 days apart. I've tried calling them multiple times, but every time I do, either no one picks up, or I receive the message that my information isn't in their database.
Consumer complaint received 2022-11-05
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. (NC)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SD XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2022-04-08
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. (SC)

XX/XX/2022, XXXX-Thank you for contacting me regarding information contained in my consumer file. Pursuant to section 609 of the Fair Credit Reporting Act 15 u.s. code 1681 GXXXX I am providing proof that you are in violation of 15 u.s. code 1681 S ( 2 ). I received my XXXX Consumer Report which states on page 67 that I had an address XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX records page 94 provides the same address as petitioner. The address XXXX XXXX XXXX XXXXXXXX XXXX XXXX  is not on my consumer credit reports. XXXX states that they obtain this address from Equifax, XXXX, and XXXX. I have attached a letter that they sent me stating this. Congressional law of the Fair Credit Reporting Act clearly states in 15 u.s. code 1681 a consumer credit report must be accurate. There are several different name variations ; the address that you are listing of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is not on my consumer credit reports. I have attached my XXXX, Equifax and XXXX consumer credit reports As proof that this address is not my previous or present address. I request a reinvestigation due to the fact that I already disputed this bankruptcy reporting on my credit reports. XXXX HAS removed the bankruptcy due to XXXX inaccurate reporting as federal law requires for consumers by law. DOCUMENTS ATTACHED