davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have a credit card with Bank of America. A few months ago I had an overpayment that resulted in a credit of {$63.00} on my account. On XX/XX/XXXX, the bank debited {$63.00}, labeled as UNCLAIMED CREDIT ( see card statement attached ) without returning the funds to me via any form. 

In the past 6 weeks or so, I contacted the bank 4 times ( see phone call history attached ). Each time I received different and even contradictory explanations, and each time they said the money was sent to me and I should wait for a certain number of days, after which I did not receive it. Below is a summary of all the conversations we had. 

- Phone call # 1, XX/XX/XXXX : Agent # 1 told me that they turned the money to the state, NY in my case, as unclaimed property. She gave me a link to search for unclaimed property in NY. I searched after the phone call and nothing came up. I even searched today, XX/XX/XXXX, it was still not coming up. 
- Phone call # 2, XX/XX/XXXX : After learning that the unclaimed property is not shown on the states website, Agent # 2 said they could stop the payment on the check mailed to the state and make a deposit to my checking account at Bank of America. I approved him to do so and he said I should wait for 5 business days. 
- Phone call # 3, XX/XX/XXXX : It had been 9 business days and I had not received the deposit. Agent # 3 told me that there was a delay. Everything looked fine on his end and I should receive it in another 2 days. 
- Phone call # 4, XX/XX/XXXX : I had still not received the deposit after another 3 business days. I called again and this time, it got ridiculous. Agent # 4 at the credit card department told me that the previous agents were wrong. She said they it was not an option to make a deposit to me and they had to turn the money to the state. She transferred me to Agent # 5 at the unclaimed property department. Agent # 5 searched her database and could not find the unclaimed property. She said that this meant the money was still handled by the credit card department and transferred me to Agent # 6. This time the conversation went really long, Agent # 6 consulted her supervisor and checked a lot of information. In the end, she assured me that they could make the deposit to my account and I should wait for another 7 business days.

It has been 9 business days after my last call with them and I have still not received the deposit. Overall it has been more than 6 weeks and 4 phone conversations and they still owe me the money. 

The communication was terrible because they contradicted each other and now I had completely no idea where my money was. I did not want to contact them again and repeat this endless nonsense, for which I seek help from the CFPB. Thank you very much.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-11-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bread Financial Holdings, Inc. (RI)

I had several store credit cards, all administered by Comenity Bank ( XXXX, XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX, etc. ) On all of these cards for many years I opted into and paid fees for their " Credit Protector '' feature, a feature of which was in the event of involuntary unemployment my minimum payment would be forgiven, and if unemployment lasted longer than 2 months, the entire outstanding balance of the debt at the time of the claim would be forgiven. 

I became unemployed XX/XX/XXXX after being continuously employed for the previous 5 years ( and paying for the credit protector service that entire 5 years as well ), my accounts were all in good standing at the time I became unemployed, and I immediately filed claims for all of my Comenity Bank cards where the " Credit Protector '' service was paid for. I remained involuntarily unemployed for a period of 6 months. Well in excess of the 2 months required for complete debt forgiveness under their advertised program, and provided the requested documentation twice. Comenity bank did forgive payments for one or two payments ... but after that, they did not forgive the debt as promised, and my accounts went into collections. When they called to collect, I explained that I had submitted a claim, and that the debt was supposed to have been forgiven at that point, but their collection people simply insisted on me paying them money which I did not have ( as I was still unemployed ) Comenity bank has destroyed my credit, and now the debts have been charged off and sold to outside collectors who continue to harass me seeking payment of debts that were supposed to be forgiven under the terms of the " Credit Protector '' agreement.

I have previously provided the following documentation to Comenity Bank on two occassions, with no acknowledgement that they ever received them. 

I have attached the payment information for my final unemployment payment from the RI Department of Labor and Training, you can see the final payment was made on XX/XX/XXXX for the week ending XX/XX/XXXX and that the remaining balance on my claim at that time was {$0.00} meaning I had exhausted my entire 26 weeks of  unemployment as of XX/XX/XXXX, which if you calculate back 26 weeks brings us to approximately XX/XX/XXXX which is when I became unemployed and filed my initial claim with Comenity Bank 's " Credit Protector '' service I have also included a copy of my separation letter verifying the date I became involuntarily unemployed.
Consumer complaint received 2023-11-15
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Although, Capital One has been contacted in an attempt to get them to update their files with accurate information, Capital One is still reporting an incorrect late Payment for XX/XX/2014. According to Capital One, they can't see this information in their system, and would make an attempt to correct this issue. It has been over 2 months, and still no action has been taken to correct this problem. 

I have filed several disputes with XXXX, but at this point XXXX is not willing to submit any more disputes for this specific account, as all three disputes already filed, come back with no updated information. 

Furthermore, regardless of the number of phone calls made, there is no resolution, and I have been placed on hold by Capital One Staff, to then find out the call has been dropped.
Consumer complaint received 2020-02-07
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. (CA)

My payment was late because it got lost with the U.S Postal service, thus they reported us late on XX/XX/XXXX, after we paid over the phone and brought our balance up to date they also agreed to do the goodwill change since it wasn't our fault. After 1 week or 2 the changes were made as agreed. Now today XX/XX/XXXX that XX/XX/XXXX month went back to reporting negatively severely impacting my score and defaming my credit worthiness. I also did not get a call back from the lender as they agreed.
Consumer complaint received 2019-11-20
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)

At the beginning of XXXX of this year, I notice on my credit reports XXXX XXXX reportes my mortgage balance as {$110000.00} which is incorrect. I did a modification on my loan on 2010 XXXX XXXX had my loan and XXXX XXXX was the servicer of my loan. During the modification process I was told, XXXX of my loan was going to be discharge and I was no longer responsible for this amount. I was under the impression all of these year that the balance of my loan was XXXX. I have contacted XXXX XXXX Customer Service ( Mortgage Department ) and they haven't given me a correct information on this issue. I did request a copy of my loan modification and the paperwork doesn't have my initials nor my wife 's initials ( I am now divorce ) when they say, the XXXX was supposed to be deferred at the end of the loan. The paperwork that they sent me wasn't signed by me nor my wife at the time. I need for the Consumer Financial Protection Bureau to open an investigation about this issue, and provide me with the proof I need since so far, they haven't been able to do it. The 3 credit bureaus haven't been able to provide me with paperwork regarding this issue. I need to know where is a copy of my loan modification paperwork with my initials on each page.
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (NC)

On XX/XX/2020 A/R Solutions , Inc. A debt collector contacted me via writing and phone attempting to collect a debt that is not owed. Let this be a written notification through the CFPB that this debt is not valid and does not belong to me. Please cease communication and collection process or civil suit will follow.
Consumer complaint received 2023-11-15
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. (FL)

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance Owed : {$28000.00}.
Consumer complaint received 2019-11-08
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. (WI)

I was recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I got in contact with Federal Trade Commission and police. I need your help. These items need to be deleted from my credit report XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX XXXX.
Consumer complaint received 2020-02-07
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)

Experian, XXXX and XXXX have denied my request for my free credit report from XX/XX/XXXX. I have been on Income Driven Repayment plan with XXXX and XXXX XXXX XXXX XXXX since XX/XX/XXXX. All 3 are providing false information and stating I have paid XXXX nothing yet the balance shows going down every month in the defined time span. 
All 3 lie about being able to upload documents that prove they have the wrong information about my name and address. 
They have posted false information about debt in which a creditor lied to the courts in Indiana.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

Between XX/XX/XXXX until XX/XX/XXXX my card was stolen and had been used fradualty for XXXX dollars with of transactions. I was unable to use my card during this period of time because I was incarcerated for driving without a license. Upon discovering that my card was stolen I immediately called police band filled a report and notified American Express Serve of this incident. upon waiting for over 2 weeks I received a email stating my claim was denied and that the finding where correct. I then submitted my dispute against the stolen money once again and even though it is a proven fact proved by XXXX county sheriff 's office that my card was infact stolen and used without permission my claim was denied so this is absolutely not right and illegal on there part. Now I am without any money and children to support and have to wait another month maybe to even see if my claim will be denied again or accepted this time around. I will get my money back even if I have to go through arbitration to get it but this is a unprofessional absurd way to go about taking care of your customers money. You representatives have no knowledge of how fraud investigations should be Handled or even how your company works. This is a terrible way to have handled a tramitizing event for a customer that puts there trust in your company and you need to take care of my situation because you are legally responsible for properly investigating fraud and your company is just ignoring the banking laws and treating cardholder like they do matter watsoever.
Consumer complaint received 2023-11-15
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. (VA)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX 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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 


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 2019-11-20
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: LEXISNEXIS (PA)

Hello, I have requested 4 times that Lexis Nexis Consumer Center provide me with proof of my signature bearing in reference to a Chapter XXXX bankruptcy that is showing on my credit report. I have challenged Lexis Nexis in reference to this inaccurate, incomplete, unfair and Unverifiable Bankruptcy and their 4 responses came back that it was verified. I advised Lexis Nexis that any Automated Response or XXXXXXXX and or matching up the last 4 of a consumer social security number for verification is Unacceptable. I also provided a copy of a letter From the US Bankruptcy Courts of XXXX Maryland  explaining their reporting procedure to agencies in which was sent to me Via Mail which I was advised that they do not report nor do they validate and or confirm public records due to the Fair Credit Reporting Agency Privacy Law. Per FCRA 623 ( a ) ( 5 ) " IF the Credit Bureau can not Validate the information from the original source and or ( creditor ) than they must remove said information from the consumer files. 
First letter sent to Lexis Nexis was XX/XX/19 2 ) XX/XX/19 3 ) XX/XX/19 4 ) By phone XX/XX/19 I asked the Representative to send me the copies of my signature bearing this Bankruptcy and she responded and said they will see if they can find my Signature along with the Chapter XXXX and full social security #. Again I received nothing except saying it came back as verified without documentation of my signature which are violations. Lexis Nexis Response Dates are as follows by mail 1 ) XX/XX/19 2 ) XX/XX/19 3 ) XX/XX/19 4 ) XX/XX/19
Consumer complaint received 2019-11-08
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A. (NY)

I have been working with Citibank on a commercial loan - cash out refinance on a 3-unit investment property in NJ. The property was purchased through a newly formed LLC,  owned 50 % /50 % by me and my partner, my brother. XXXX XXXX, the loan officer I was working with was well aware of the structure, as we provided to him all of the requested documents in early XX/XX/2019, inclusive of the title and other purchase support documents evidencing the purchase via our LLC. About a week prior to our anticipated closing in early XXXX, XXXX mentions for the first time that the title needs to be in our personal names and can't be in the name of our LLC, and he suggests we transfer the title. When we express that we clearly can't do that as the primary reason investors purchase property through an LLC is to mitigate personal liability, he unethically suggests something illegal -- " Off the record, and I shouldn't be telling you this, you can close with title in your personal names and then just transfer it back after the close ''. Obviously that is illegal and he is suggesting something that would breach our contract with Citibank. As a result, we were unable to close the loan since we wouldn't transfer the title, and were at an impasse due to information he wasn't forthright with. We lost fees already paid, months of our time locked into a good rate, and now we are in a position to have to begin all over with a new bank. In summary, he presumed we were not savvy investors and he withheld a piece of information that clearly would have stopped the transaction immediately, in hopes we would be none the wiser and just overlook it in an effort to close, but would obviously be putting ourselves at risk. Further, suggesting to a long-time client of Citibank 's, on behalf of the bank, to do something illegal is something that should make Citibank very uncomfortable and should put his license at risk. He was negligent and mismanaged this process, costing us time and money, aside from acting in an unethical manner.
Consumer complaint received 2020-02-07
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)

I disputed an inquiry directly with XXXX since I did not give permission to any entity to run my credit, and their response is a typical stall tactic they use asking me for information they should have already had since I disputed directly with a letter that had information needed.
Consumer complaint received 2019-11-08
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R & B Corporation of Virginia (KS)

Thank you for your recent contact dated : XX/XX/XXXX. 

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never  been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.