davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-06
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 (CA)

Bank of America offered me a cash back deal with the following description, " Offer expires  XXXX / XXXX / 2017 . Must make  two sep arate transactions with  XXXX   XXXX   XXXX  on wireless products or services of at least {$15.00} on the card associated with this offer by  XXXX / XXXX / 2017 . Your {$75.00} cash back is earned within 30 days after making your second transaction. " I made a {$20.00} transaction with  XXXX  on  XXXX , and {$32.00} transaction with  XXXX  on  XXXX  with my eligible credit card. I filed an inquiry with Bank of America on  XXXX  and they said I should see the cash back showing up as pending on my account within  5 to  7 days. As of today, I still do n't see it being tracked on my account as a pending cash back.
Consumer complaint received 2018-04-17
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian credit reporting company has not removed a old account on my credit report after it has been disputed 3 times or more it is not a correct account the amount are not correct and all other credit reporting companies have removed the account. I did not get any warning that this was building debt up to collection.
Consumer complaint received 2017-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (OK)

I received a call from XXXX collections stating that my Paypal Credit account had been sent to collections. They told me the outstanding balance was {$2100.00}. I told them I did n't have that much money on hand but that I was willing to make payments for settle for a lesser amount to get it taken care of. XXXX and I came to an agreement of {$1200.00} to settle the debt. I made sure XXXX sent me a letter stating the debt would be settled in full once my payment was received. I went and got a cashiers check for {$1200.00} and sent it to them. About a month later, I noticed I still had a balance of my Paypal Credit account. I called Paypal. They confirmed my account was in collections, that they were waiting on XXXX to finish their part and that it usually takes one to two billing cycles to be complete. This was in XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX and I 'm still getting letters from Paypal Credit telling me I have past due payments. This account was settled on XX/XX/XXXX with XXXX so I do n't understand why I keep getting letters and emails stating that I 've missed payments and still owe money. I also do n't know if Paypal has been reporting missed payments to the Credit Bureaus. If they are, they are wrong and Paypal or XXXX should be required to fix it.
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

As I was signing up for the app called  XXXX  the app told me that Bank Of America is not a bank they are associated with. I find this odd and disturbing as I just switched from  XXXX   XXXX  to Bank Of America and know that  XXXX   XXXX  is excepted with the  XXXX  app but not Bank Of America. I find this highly disturbing because Bank Of America is the second largest bank in the nation. Therefore Bank Of America should be a bank excepted through the  XXXX  app. Please tell Bank Of America to get with the program as I have been with them since  XXXX   years old  which would be 20 years!!!!!
Consumer complaint received 2018-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

On XX/XX/2017, I discovered that a check I had written for {$160.00} to XXXX XXXX XXXX, a medical facility, had been cashed for {$2600.00}. I went to my Citibank branch that day, and I was told that it appeared the check had been stolen from the mail and " washed, '' then altered to change the amount and the payee. The bank branch said this was a common problem in our neighborhood, but that my funds would be restored. I completed as affidavit for Citibank that day, and included a copy of the canceled check which Citibank provided me, which shows the altered check was changed to payee XXXX XXXX, a name I have never heard of, and which is clearly written in a handwriting that does not match my signature. I also provided information showing that I had to pay the correct payee, XXXX XXXX   and that they had not received the original check.

I have asked Citibank several time if the funds can be restored to my account while the bank pursues the fraud, but they say that is not possible until the fraudulent payee returns the money. I believe Citibank is responsible for going after the funds and should credit my account in the meantime.
Consumer complaint received 2017-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STONELEIGH RECOVERY ASSOCIATES, LLC (MD)

Someone called my home telephone, using faked caller ID information " XXXX XXXX- '' and number " XXXX '' at XXXX XXXX. EDT on XXXX XXXX XXXX. They left a message identifying themselves as a " debt collector '' named " Stoneleigh Recovery Associates '' and requesting that I call XXXX. ( The first word of the name was unintelligible but I did a XXXX search for " XXXX '' and the results indicated a vast number of complaints about a scammer called " Stoneleigh Recovery Associates ''. The scammer is apparently trying to get credit card numbers. It is an obvious scam because the faked the caller ID information, in violation of Federal law, and also I have no debts, and so certainly do n't have any bad debts. There also has never been any written notification of any debt, much less any written notification of any past due debt. Since I have no business relationship with this party and it obviously is not a legitimate debt collection call, this call is in violation of the Revised Telemarketing Sales Rule, since my phone number is on the DoNotCall list. I have attached to this complaint a copy of the scammer 's recorded message.
Consumer complaint received 2017-07-06
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 — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC. (OK)

I was part of the Midland Credit Management TCPA Class Action Lawsuit Settlement. Midland is not following through with the ruling as to removing negative information and still reporting negative and inaccurate information. Midland Is continues reporting a recent balance of {$360.00} on the account XXXX on my XXXX and XXXX reports showing a date opened of XXXX 2013 also would not show proof or validation of the alleged debt and numerous harassing phone calls with that and also another alleged Acct. XXXX in the alleged amount of {$870.00} which this account would also fall under the TCPA.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation (NY)

There is a {$500.00} charge on the card for a money transfer service I purchased from a third party that never happened but they debited my account. Wanted start a dispute. Money Network agreed but they said they had to send me a form to sign first. Never received such a form.
 XXXX 
Also contacted them by sending them a letter, still no response.
 XXXX 
I have no idea what their intentions are.
Consumer complaint received 2017-07-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: All American Check Cashing, Inc. (MS)

I got a loan of {$360.00} from all American check cashing on XXXX XXXX,2017 after I  got the loan the law came out that all American check cashing license was revoked. I got a call from them stating that they changed there name to XXXX XXXX and telling me I still have to pay. I told them about the license been revoked and they told me somebody bought the franchise. They filled the checks out for all American check cashing no XXXX XXXX so there for I should not have to pay right? They have been trying to send the checks through my account causing me to be in the negative. How can I get them to stop or pay me back since they can not do that wit all American check cashing no longer extist. Can you please email me on what to do. I would greatly appreciate it. My email is XXXXXXXXXXXX thanks and have and nice day.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/XXXX I had a Chapter XXXX Bankruptcy discharged. <P/>Capital One was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/>XXXX : Capital One listed as an " adverse account '' XXXX : Capital One listed as a " Negative '' in XX/XX/XXXX XXXX report : Capital One- XX/XX/XXXX " date of 1st delinquency, '' XX/XX/XXXX " Date major delinquency 1st Rptd '' On XX/XX/XXXX I  contacted XXXX XXXX XXXX and XXXX credit reporting agencies. The agencies acted clueless as to why Capital One is showing negative on the credit reports. On XX/XX/XXXX I contacted Capital One whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that Capital One is reporting a late payment from five years ago.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX is reporting to XXXX and Experian a 60 day late in XXXX XXXX. <P/>The account was NEVER late. The account was in forbearance mode, and then refinanced and closed. <P/>I contacted XXXX XXXX/XXXX/XXXX. Transition updated their information, but XXXX and Experian continue to read a 60 day late in XXXX XXXX. <P/>XXXX/XXXX/XXXX I contacted XXXX and Experian. They told me to contact XXXX. XXXX/XXXX/XXXX I contacted XXXX whom told me the information was updated and sent to the credit reporting agencies. XXXX told me to contact the credit reporting agencies.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX is reporting to Equifax and XXXX a 60 day late in XXXX XXXX. <P/>The account was NEVER late. The account was in forbearance mode, and then refinanced and closed. <P/>I contacted XXXX XXXX/XXXX/XXXX. Transition updated their information, but Equifax and XXXX continue to read a 60 day late in XXXX XXXX. <P/>XXXX/XXXX/XXXX I contacted Equifax and XXXX. They told me to contact XXXX. XXXX/XXXX/XXXX I contacted XXXX whom told me the information was updated and sent to the credit reporting agencies. XXXX told me to contact the credit reporting agencies.
Consumer complaint received 2017-07-05
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. (ND)

I am a victim of identity theft. I have 2 fraudulent and unauthorized hard inquiries listed on my XXXX XXXX, XXXX and Experian credit report. The 2 hard inquiries do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2017-07-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

To whom this may concern : Recently I received a new credit inquiry reflecting on only my Equifax report, which was not me. It seems my credit was ran on XXXX XXXX for a XXXX XXXX. ( XXXX ) account. I reached out to Equifax, XXXX XXXX and XXXX to see what 's going on and to also set up fraud alerts. I figured I would contact Equifax first, as they are the only company showing this recent inquiry. After speaking with Equifax and setting up alerts on my account, they could n't help my issue, but instructed me to contact XXXX XXXX, as they will need to send in an electronic request to remove the inquiry, as they are supposedly the ones who pulled the credit. Equifax claims that the company who initially pulled the credit profile are the only people who can remove the inquiry, by submitting an electronic request letter to Equifax. After speaking with Equifax, I then contacted XXXX XXXX to see who attempted to open an account with my social security number. Finally after being transferred around with XXXX and speaking with several XXXX reps/managers, nobody was able to find any information on me at all. They searched several different ways to try to locate something on me. Whether by name, social security #, address, etc. they still could n't find anything at all. They also told me since they ca n't find any account info on me, they would be unable to send the electronic request letter to Equifax to remove the inquiry because I am not even a customer in their profile. I said, Ok I appreciate your help I will contact Equifax again. After so many phone calls back and forth hearing the same thing over and over 10+ times, I finally gave up. I 've called Equifax numerous times and put in about 6 disputes for the same credit inquiry issue, but they keep insisting that I contact XXXX XXXX to and have them send the electronic request for removal. After speaking with XXXX again many times, they are still unable to locate any info and/or send the request because they do n't even know who I am. I am hoping to get this simple inquiry off my credit report. NOTE : I recently applied bankruptcy about 2 years ago and only had 3 total inquiries on my account since. The bankruptcy lawyer needed to run my credit, which was one inquiry. After doing bankruptcy, I was told to get a secured CC. So, I applied or a XXXX secured credit card, which I did n't get..so that was 2 inquiries already. Finally I tried again for a XXXX XXXX secured card and got it. I should only have 3 inquiries on my credit profile.
Consumer complaint received 2017-07-06
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MT)

Re : Account Number : XXXX EQUIFAX REFUSAL TO BLOCK FALSE CREDIT REPORTING INFORMATION FROM CREDIT REPORT AFTER IDENTITY THEFT XXXX SENT TO THEM XX/XX/XXXX AND XX/XX/XXXX To Management : I filed an Identity Theft XXXX ( complete with Police Report ) and sent a copy to the Equifax onXX/XX/XXXX. I also sent a follow up on XX/XX/XXXX requesting they block the following information, the subject of the Identity Theft XXXX : XXXX XXXX XXXX ( allegedly ) Date Assigned : XX/XX/XXXX ( allegedly ) Account Number : XXXX ( allegedly ) Creditor Name : XXXX XXXX XXXX XXXX ( allegedly ) All of the required documents were included in the Block request which was sent to Equifax, including A copy of the page from my Equifax credit report, Confirmation # XXXX, with the fraudulent items circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. <P/>I also informed them that it is illegal for them to continue to report the information when an Identity Theft XXXX ( and filed with a law enforcement officer ) has been provided along with a request to block the information. <P/>Since the consumer did not have a contractual, commercial relationship with the XXXX system and Equifax, Equifax can not accurately transmit information about the consumer ( XXXX XXXX ) concerning this alleged account belonging to her allegedly. Any inaccurate reporting is a violation of the consumers Privacy rights. The XXXX  Terms and Conditions state that the information reported must be accurately and completely reported. <P/>Equifax has no way of proving that the consumer ( XXXX XXXX ) was ever extended any credit creating a debt ( as defined in 15 USC 1692a 803. Definitions ) by XXXX XXXX XXXX, and therefore is violating the law when they report inacurate and incomplete information via the XXXX system, especially by refusing the block the inaccurate and false information when an Identity Theft XXXX and subsequent Block request were provided to them in full. <P/>Be advised that this complaint ( and Identity Theft XXXX filed ) is specifically related to Account Number : XXXX NOTE : CFPB is only authorized to utilize my credit report ONLY for the purposes of investigating this complaint, and for the above referenced alleged account only. This consent expires 60 days from the date this Complaint is submitted. <P/>I REQUIRE A COPY OF THE CREDIT REPORT OBTAINED BY CFPB FROM EQUIFAX TO BE SENT TO ME AT THE FOLLOWING EMAIL ADDRESS : XXXX With Reservation of Rights, Without Recourse : XXXX XXXX
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (WA)

American Education Services ( AES ) XXXX XXXX XXXX XXXX, PA XXXX XXXX AES is reporting to XXXX and XXXX a 60 day late in XX/XX/XXXX. <P/>The account was NEVER late. The account was in forbearance mode, and then refinanced and closed. <P/>I contacted AES XX/XX/XXXX. XXXX updated their information, but XXXX and XXXX continue to read a 60 day late in XX/XX/XXXX. <P/>XX/XX/XXXX I contacted XXXX and XXXX. They told me to contact AES. XX/XX/XXXX I contacted AES whom told me the information was updated and sent to the credit reporting agencies. AES told me to contact the credit reporting agencies.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-27
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. (TX)

Im requesting your help with this incorrect account reflected on my credit report. Ive flagged this issue because its been detrimental to my reputation, and I need your assistance. The poor handling of my credit report has severely affected me, as this incorrect information has harmed my reputation. You must correct these mistakes so I can live peacefully with my family.
Consumer complaint received 2024-08-27
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. (PA)

I attempted to resolve the issue with the credit furnishers and creditors that are reporting the fraudulent credit accounts on my credit file. I am now in the process of civil litigation against the creditors and soon the credit furnishers if it does not get resolved immediately. Under the FCRA I request the fraudulent accounts be blocked/deleted immediately. I have attached a copy of my Victim Determination Document.
Consumer complaint received 2024-08-26
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

BELOW ARE TWO CHARGES THAT WERE MADE ON A CARD THAT WAS CANCELLED AND THE NEW CARD LOCKED. 
XXXX XXXX XXXX XXXX Transaction date : XX/XX/year> Card type : XXXX Transaction type : Fees Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX XXXX merchant name Transaction Category : get more information about transaction category Shopping & Entertainment : Electronics Select toEditthe transaction category Online Purchase : XXXX Type Fees {$41.00} XXXX XXXXXXXX XXXX  Transaction date : XX/XX/year> Card type : XXXX Transaction type : Purchases Merchant description : BOOKS, PERIODICALS AND NEWSPAPERS Merchant information : XXXX, CA Offer ID : XXXX Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX XXXX merchant name Transaction Category : get more information about transaction category Shopping & Entertainment XXXX XXXX XXXX XXXX transaction category Online Purchase : Y View more information Dispute this transaction Type Purchases {$34.00}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.