davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, 2020, BANK OF AMERICA add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX
Consumer complaint received 2020-11-19
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: JPMORGAN CHASE & CO. (WA)

On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, 2020, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XXXX XXXX, 2020, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX.
Consumer complaint received 2020-10-20
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: Onity Group Inc. (WA)

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company PHH Mortgage has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies have not updated my credit rating since XX/XX/2020 even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company PHH Mortgage. They have repeatedly denied any wrong doing and tell me how to repair my credit rating which I have tried but produce no results. The mortgage in question was an illegal mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. Here is a link to all the evidence. XXXX XXXX XXXXXXXX! XXXX? XXXX
Consumer complaint received 2020-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Conn's, Inc. (TX)

I keep getting calls and voicemails from a company called XXXX  XXXX XXXX. The voicemails are the same male voice but with revolving different names. After doing some research this is an attempt to collect a debt from Conn 's ( furniture and appliance store ). I last paid an amount on that debt in XX/XX/XXXX XXXX over 7 years ago ) and furthermore the debt was discharged in bankruptcy in XX/XX/XXXX XXXX over 3 years ago ). They keep calling and leaving voicemails. They seem to have an infinite amount of internet based voice-over-ip phone numbers. I block them all the time but they always have a new number from a new state for which they can call me. These people need to be stopped. Their needs to be some consumer protection regulation against organizations like this. I get called by these people EVERY SINGLE DAY ( and sometimes even on Sunday nights ). It is ridiculous.
Consumer complaint received 2020-10-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

My boyfriend and I were scammed out of a dog, I send XXXX from my XXXX  account and he send XXXX from his account. I tried to get my XXXX back through XXXX, filed a police report and reported it as scam and fraud and XXXX still refused to give me my money back.
Consumer complaint received 2020-10-15
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-15
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. (NV)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (AL)

I have overdraft protection for my checking account with SunTrust. Yet I was charged {$180.00} in overdraft fees which 5 {$36.00} overdraft fees were charged. I had money at the time when these transactions were taken out. The money was debited from my account. I don't know how I was charged {$36.00} for 5 transactions. Which I had money in my account to cover those transactions.
Consumer complaint received 2020-10-15
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. (MI)

I sent a letter explaining the inquires was unauthorize and a negative company on my report that I never dealt with or had any type of information from them but they reported a negative on my account. Also, I spoke to several departments about my updated personal information that was just updated but the inquires were unauthorized by me and the negative is all unauthorized hard and soft inquires are all unauthorized and these are stopping me to obtain credit In the future. I have a good payment history but all this information that is coming out the blue without my authorization is horrible. I have been a victim of identity theft for some time now. All around the world had me stopped because of identity theft or people saying add XXXX XXXX to their felonies. I could obtain a passport because of identity theft. There was no amount by the negative account with me because my account was paid with a regular bill. XXXX XXXX. Then there in hard Inquires on my account that I didn't authorize..
Consumer complaint received 2020-11-07
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 (NJ)

I have two XXXX XXXXXXXX XXXX  card with Bank of America, which entitles me {$30.00} rewards per card per quarter, and I have been getting these rewards for many years by almost the same spending behavior to meet the rewards requirements. I even got the rewards for the 2nd Quarter 2020, which was deposited into my BoA checking account on XXXX XXXX. 

However, I did not get them for the 3rd quarter this year. I contacted BoA through their credit card customer service on XXXX XX/XX/2020. I explained the issue to the customer service representative, pointed out to her the BankAmericard XXXX XXXX XXXX Program Rules ( which I would include as attachment ). The download link for this document is [ https : //www.managerewardsonline.bankofamerica.com/cms/published/root/dcb/PDF/BAC_BetterBalance_AboutCredit_121912.pdf ], and the guarding text to support my complaint is on Page 1, right panel of the " Basic terms and definitions '' section and " How do I earn Quarterly Rewards '' section. 

I was told by that customer service representative that her supervisor would call me within 48 hours, however I have not got any call from Bank of America
Consumer complaint received 2020-10-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ARS National Services, Inc. (CA)

ARS NATIONAL SERVICES Inc has sent me a notice which is the first letter Ive received from them. This first paragraph is the reason we have the CFPB is around. This is an threatening letter. The first paragraph is THREATENING potential lawsuit and lawyers if I dont respond. This is the first form of contact using scare tactics and threats. This is a direct VIOLATION of my rights.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology (WA)

In XX/XX/XXXX I had a report ran on me through XXXX and XXXX companies through asurint services, On the report it said that on XX/XX/XXXX it said I went in for assault in the 4th degree on a county criminal record. That already is 8 years past the date it should be on my consumer report. I also noticed right below that it said judgement was placed on XX/XX/XXXX when the judge had acquitted the charge in XXXX by judge XXXX XXXX of XXXX county. All of this judgement is very old and inaccurate. I tried to ask for an appeal due to this back jn XXXX as it prevented me from working during covid and living in a rural area, at any XXXX and XXXX companies when i had great job potential. The employer never got back to me about why i wasnt hired.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Hi, My two credit card accounts with CapitalOne were closed I have been with CapitalOne since 2017. I am always a loyal Customer and pay my monthly bill on time. I have never been late with my payment. 

However, my two account were closed. I contacted them, customers service at CapitalOne say account were closed because there were fraudulent activities a year ago. 

They closed my another credit card account too, the reason being the card was linked to my name. so they closed that credit card as well I am upset because I am not at fault with this account closure. However, they do not want to solve my issue. I feel they wanted to take my cash back on my credit card that I have on there. 

I have attached image regarding my accounts that are closed by Capitalone all the sudden. I wasn't informed and the account was closed XXXX
Consumer complaint received 2020-10-15
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. (IL)

The credit bureaus are still reporting inaccurate accounts on my credit report after I properly disputed the accounts. 

XXXX  said the sole the issue, but didnt say how or provide me with no proof and that illegal. So the company is illegal reporting accounts on my credit. 

Experian never even notified me of the status of my disputes, which is also illegal. 

Im attaching the letters I sent to them containing the inaccurate accounts.
Consumer complaint received 2020-10-15
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

Nissan XXXX  have not closed my account after I returned car with no balance. My account is supposed to be closed but still stands with an open balance for {$630.00} car was returned XX/XX/2017. With XXXX balance they also tried to convince me to take another car. I pray for a resolution.
Consumer complaint received 2020-11-19
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. (FL)

THE ACCOUNTS LISTED IN THIS COMPLAINT ARE FRAUDULENT SOMEONE USED MY IDENTITY MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THEY USED IT TO OPEN AND MAKE FRAUDULENT PURCHASES IN MY NAME I HAVE REPORTED THIS TO LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP (IN)

On XX/XX/2020 at approximately XXXX at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX indiana XXXXI used thier XXXX  atm machine terminal # XXXX. 
I put my card into the mechine and requested {$400.00} asked me if I accept the {$3.00} terminal fee and I said yes.

The atm then approved the transaction at this time I put my card in my wallet and drop my phone on the floor havent tooken the money out the atm machine yet .At as I go to get the money the atm door shuts and takes the money and it goes back into the machine .I put my card back into the atm and tried to make another transaction to see if my money got stuck or what was goin on and it declined my transaction this time and saying I only had a Ballance of {$2.00}.

I requested to talk to store manager and she told me I have to contact the number on the atm ( XXXX ) I contacted XXXX  and they  told me the atm machine has a security feature that I'f you don't take the money out withen 10 seconds it goes back in .XXXX  also stated that the money did go back in and I did not receive it and I have to file a dispute with my bank or card company.

I have called the XXXX number XXXX and also the web sight. 
I have tried to call 13 times .watch time I call I am on the phone for over 2 and half hours and every time I get hung up on after waiting 2 to 3 hours on hold and never getting a response .I have lost my job due to not being able to pay my child 's daycare because the {$400.00} was taken from me. 
Please help..
Consumer complaint received 2020-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My wife and I are trying to get a mortgage for a primary residence and the credit bureaus are reporting a bankruptcy on my credit report. I disputed this matter with all 3 agencies. XXXX investigated the matter and removed the item. Transunion states they investigated the same matter, stated it was accurate and will not remove it. I contacted them via phone, and they instructed me to contact the bankruptcy court. The clerk indicated that their investigation would involve matching signatures. However, that filing has an electronic signature that can not be verified to be valid. 
I then called Transunion again to explain my findings and again dispute this matter. I asked for the details of their investigation, a copy of the bankruptcy document which includes my signature according to Section 609, Fair Credit Reporting Act. They refused stating that they have no documents within their company. This was reported to them by a 3rd party and they would not reveal their identity or furnish proof. I explained that in 2017 in lived in NJ ( 2800 miles from Nevada ), I had NO debt that would justify a bankruptcy, nothing with my signature to prove the validity and this is the year in which XXXX  had a data breach. I also attached a report of 21 people found in one search name XXXX XXXX here in the US. I also offered the confirmation from XXXX who also investigated and found this to be incorrect and removed the item immediately. 
The supervisor was determined not to furnish me with proof, the 3rd partys name or consider the facts I supplied even after quoting my rights under Section 609, FCRA. It is a statistic that 1 of 5 people have an error on their report. I have the opportunity the purchase this home for my family but may lose it due to credit bureau red tape and intolerance. Please Help!
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have request that my freeze be removed permanently XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX OH XXXX DOB :XX/XX/XXXXS.S. # : XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please REMOVE any and all security freezes at once.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NE)

I applied for an XXXX XXXX Visa Signature credit card through Bank  of America. This card advertised a sign on bonus of XXXX miles and a {$100.00} statement credit after charging $ XXXX or $ XXXX to the card ( I forgot exactly how much was needed ). Once I hit the charge limit to receive the bonus, I got the XXXX miles but not the {$100.00} statement credit. Boa claimed I didn't apply on the right website or whatever which is XXXX. The same website I applied for the card still has that bonus as an offer.
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XX/XX/20 received collection letter from Portfolio Recovery, for XXXX XXXX XXXX  XXXX. for the amount of XXXX. The debt owed was XXXX this debt was settled through XXXX XXXX on XX/XX/20 in the amount of XXXX. 
this ac

count stills shows as open collection and has dropped my credit 30 points, as we are in the process of buying a house. I contacted portfolio recovery, they show it as open, yes they are not trying to collect the full amount, but what I had agreed to settle with  XXXX XXXX. They told me to contact XXXX XXXX, which i did. They show it as paid!!! They do not know why it wasnt reported back to portfolio recovery, and said they would send it to the back office, so portfolio recovery is trying to collect on a debt that has been settled 5 months ago, and damaging my credit in the process. I asked XXXX XXXX how is it that portfolio recovery is trying to collect the amount we settled on and not the whole debt if you have had no contact with them?? This is showing up on the 3 major credit reports as and open collection and has dropped my credit score!! It is illegal to try and collect on a debt that has been settled, and settled 5 months ago!!!
Consumer complaint received 2020-10-20
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. (AL)

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : US DEPT ED Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX