davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

When we initially opened our business checking account in XXXX this year at Bank of America , Bank of America offered a cash bonus of {$500.00} if we meet the following two requirements, as shown in the attached letter from Bank of America : Within 60 days of account opening, 1. Make qualifying deposits of at least {$20000.00} and, 2. Make ten qualifying electronic payments including debit card transactions. 

Within 60 days of account opening, we have satisfied both requirements. To date, Bank of America has not followed through with crediting our account with the {$500.00} cash bonus. 

We have contacted Bank of America on several occasions, to no avail.
Consumer complaint received 2020-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I previously sent three dispute letters to Trans Union beginning in XXXX of XXXX in regards of this XXXX  XXXX XXXX account with account number XXXX in the dispute letters I sent XXXX  I told them that this item needs to be deleted because it's inaccurate because Transunion and XXXX  have this account opened on XX/XX/XXXX but experience has this account opened on XX/XX/XXXX so I told them this was an accurate and it needs to be deleted.
Consumer complaint received 2020-03-26
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: Convergent Resources, Inc. (GA)

I sent XXXX  a dispute letter to validate a debt collection on my credit report, and update addresses on my report .I received a response back stating that the debt is valid, and to remove addresses on my report I have to contact the sources directly. XXXX sent no documents from the collection company explaining why. 

I sent a dispute letter to the collection agency ( convergent outsourcing Inc. ) also. They sent 6 pages of online bills with no signature or any proof that the debt is valid. Two of the pages were ads for XXXX  mobile services. 

The addresses I wanted to remove were attached to public records form over 8 years ago.I just wanted to have current information on my report.
Consumer complaint received 2020-03-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

THIS COMPANY WHICH I HOLD NO CONTRACT WITH NOR HAVE RECEIVED SERVICES FROM, REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1700.00} WITH XXXX, XXXX, & XXXX CREDIT REPORTING AGENCIES. I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDED ADEQUATE PROOF. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOODS OR SERVICES THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROO. I AM NOT OLBIGATED TO PAY FOR THE ALLEGED DEBT
Consumer complaint received 2020-03-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management : I recently received extra money to pay off outstanding debts. I went to the collection company website, found the information I wanted to pay off. The amount on the debt was {$700.00}, it showed a settlement offer of {$410.00}. On XX/XX/2020 I paid the {$410.00}. 5 days later nothing was posted to my bank account. I sent a message asking why the payment is delayed, says on the website it can take up to 1-2 business days. XX/XX/XXXX is 3 business days, XX/XX/XXXX would be 4.  Nothing changed no response from the company. 8 days later XX/XX/XXXX I called and spoke with XXXX was speaking to me from XXXX. XXXX first said the payment was returned NSF, after explaining how I was currently looking at my bank account, it has no record of the NSF. XXXX then proceeded to explain that before I could pay the settlement offer I had to decline my dispute on the 2 other accounts, these accounts are over 10 years old, I  said this account that I agreed to pay has nothing to do with the other accounts. I said your company offered me a settlement I accepted this offer. XXXX again explains he can not help me until I agree to remove my dispute, I said is form of blackmail and fraud to offer a settlement then not agree with it. XXXX hung up on me. I then proceeded to call my bank, asked them if any charges from XX/XX/2020 to XX/XX/2020 were returned for NSF, they had no record of any transactions with a dollar amount higher than {$400.00} was attempted. At no point did this company attempt to pay the settlement offer. During the phone with XXXX, I asked can you send me the information showing the was NSF, said he could not do that it was against company policy, that I would be sent a letter with 7-10 business days, nothing showing this information has come in the mail. I sent 2 emails, asking for them to accept the settlement offer that I agreed to pay. Nothing no response. As of this day XX/XX/2020 no information has been sent, no payments have been attempted. When I go back online and look at the account, its blocked out for me to pay, it also shows the same day I paid XX/XX/2020, they declined the amount of {$410.00}. This company should not have settlement offers listed if they are not willing to comply with them.
Consumer complaint received 2020-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

On XX/XX/XXXX I sent a dispute about inaccurate information on my credit report XXXX  XXXX  XXXX  {$800.00} to Experian I have yet to receive any response.
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

XX/XX/2020 called the company that is servicing my mortgage loan ( Citizen One Home Loans XXXX XXXX XXXX XXXX XXXX, VA XXXX ) to ask questions regarding private mortgage insurance and having my mortgage serviced. Initially called was at XXXX XXXX eastern and was on hold 2 hours and 15 minutes until I could speak to someone. That is terrible customer service. There needs to be a better system in place to speak to someone from mortgage company.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

I'm writing this letter in regards to issues that I have been having with American Express and my Platinum Card for the past few months. I have been a long-standing customer with American Express since XXXX and have made over 19 on-time payments with this company. It wasnt until I was involved in a serious car accident with a reckless driver who did not have car insurance or a driver 's license. My car was left on the brink of being totaled and was out of service for over one month. I was left unable to work and pay my bills. 

I had called American Express multiple times to try and explain my situation. They had told me that I was not eligible for the hardship programs for months as my account went into default. Throughout this time I had stated how I am willing to work directly with them, but that I needed smaller payments. They called me every day sometimes even up to 4 times a day harassing me demanding the full balance be paid in full when I explained I could only make smaller payments. On XX/XX/XXXX I had submitted a {$100.00} payment to show that I am serious about keeping my account open with American Express and that I am willing to coordinate a payment plan with their Hardship program. 

On XX/XX/XXXX, I spoke with the Hardship Program directly and explained my situation. They stated we could set up a plan of around {$230.00} for the first payment, and subsequently make {$100.00} payments over a 36-month term. I explained that I would most likely be able to pay the balance in full sooner than the 36month term if I was put on this plan, and that I was willing to participate and that I agreed to this plan, but that I needed some time to think it over. The representative told me that I would be eligible anytime to sign up for the Hardship Program. I tried to call them back but their department was closed. 

On XX/XX/XXXX I received a call from American Express stating that I was now no longer eligible for the Hardship Program further reiterating that they have been unwilling to work with me even when I have done my best to make payments and when I have cooperated. Even with my city being in quartile for COVID-19 they were unable to work with me. They instead sent my debt to XXXX  XXXX  XXXX which called me today on XX/XX/XXXX. Now I am being harassed by a debt collection agency when I have tried my best to work with American Express directly. Today I have submitted a {$110.00} via online to American Express.com
Consumer complaint received 2020-03-23
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. (AR)

My bank called me to inform that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. This is insane. Please remove these suspicious items from my report. 

XXXX XXXX XXXX  XXXX {$240.00} XXXX   XXXX {$3400.00}
Consumer complaint received 2020-03-23
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. (IL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNTS DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO (CO)

We are attempting to fix our house from storm damage. The mortgage company Mortgage Solutions of Colorado took our insurance check and it has been increasingly difficult to get payment from them to pay our contractors. I recently submitted the required paperwork for payment to our painter, had the inspection and then i received an email stating " Your loan has been service transferred, our company is no longer assisting with claim. You will have to contact new servicing company : XXXX XXXX XXXX, XXXX XXXX Thank you, Loss Draft Department '' I called this number and can not get in touch with a human. I tried contacting this " new company '' ( XXXX  XXXX XXXX XXXX ) via other numbers I found on the internet and have been unsuccessful at contacting anyone who can assist me with any type of helpful information. I received a letter from the mortgage company Mortgage Solutions of Colorado ( our original company ) stating that the only change with the company is to mail our payment to Texas instead of Illinois. This is a very inappropriate business practices, I want to know where my insurance money is and how to access it. My house was painted in XX/XX/XXXX and it is now the end of XX/XX/XXXX I need to get the painter paid. 
Thank you
Consumer complaint received 2020-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

To Whom It May Concern, The reason for my dispute is CREDENCE RESOURCE MANAGEMENT LLC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDENCE RESOURCE MANAGEMENT LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDENCE RESOURCE MANAGEMENT LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDENCE RESOURCE MANAGEMENT LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CREDENCE RESOURCE MANAGEMENT LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CREDENCE RESOURCE MANAGEMENT LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2020-03-23
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. (CA)

I applied for a personal loan today XX/XX/2020 and I was not approved due to having over 15 accounts in negative standing appearing on my credit report. I was shocked when I found out about these accounts because none of them are mine. I did not open any of those accounts and I have never allowed anyone else to open all of those accounts on my behalf. I do not have any contract or agreement with any of those companies and I have never allowed them to access my credit. I did not benefit anything from these accounts such as money, goods, services or any other benefit ; If anything, these accounts are only bringing stress and problems. I did not make any payments towards any of these accounts. I filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.
Consumer complaint received 2020-03-23
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. (AR)

I went to help my daughter get a apartment, while I was there I was informed by management that I could not get her a apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX {$4600.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NC)

Mortgage company lost our closing bulk check from county tax office. 

Closed on our home on XX/XX/XXXX with previous taxes paid by previous owner Loan was accepted by Amerihome mortgage company the same month. In XX/XX/XXXX Amerihome attempted to pay annual taxes to XXXX, NC {$3500.00}. On XXXX XX/XX/XXXX XXXX county sent bulk check # XXXX to accounting to return to Amerihome because they attempted to overpay XXXX taxes. Check was confirmed sent on XX/XX/XXXX. We called Amerihome XX/XX/XXXX and XX/XX/XXXX to initiate an inquiry. We were told to call back in 5 business days. Followed up with a call on XX/XX/XXXX and found out no inquiry had been opened. Amerihome then open an inquiry and asked to be given until XX/XX/XXXX. Attempted to call today with no response, and no virtual support on website. Also no changes to our account. Recieved first mortgage bill which is now incorrect because escrow in short XXXX because of the lost/misapplied bulk check.
Consumer complaint received 2020-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion response to my complain was incorrect Information I  have never paid worth finance ever. I came to this company because I sent TransUnion my identity theft report the irs agree with being identity theft and my police report number and proof XXXX  XXXX XXXX saying that was a fraudulent check and my online banking was hacked. TransUnion also would not tell me whoes account they were using my debt card for to pay a monthly subscription.i asked bc my debt card was new and same with my bank account later they sent me a check giving me my money back. I know I had paid in the past however the i has canceled the subtraction because I was over charge just like they everytime and I can never see my report and they also send me my report through the mail in XXXX. Im going to get a lawyer if the incorrect information on my report does not come off. I can never get anyone on the phone there either I get disconnected as soon as the conversation goes into TransUnion making mistakes. I want to know how they new my debt card number and who the family member using my debt card. And I want proof that they can verify I ever paid worth finance. If I ever paid worth finance then why is the balance the same?
Consumer complaint received 2020-03-23
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. (TX)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found items that are not mine. I have contacted the FTC and my local police. Im doing this on my own and These items need to be deleted from my credit report XXXX XXXX and inquiries that are not mine 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.
Consumer complaint received 2020-03-26
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. (NV)

XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX   XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX   XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX  XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I check my credit report I notice there was several accounts that was not open by me.someone has been using my identity for many many years am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, XXXX  and Experian 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 2020-03-26
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. (PA)

I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a XXXX  XXXX  I had applied for 2 things. I did not do anything with anything with XXXX XXXX. I never signed anything. Have No idea what they are talking about. 

They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me.