davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

For the month of XX/XX/2019, apply for a loan at a bank in Puerto Rico. It was denied because an uncollectible debt of a Bank of America credit card appeared, which I had closed this account more than 10 years ago. I have tried to communicate with them to give me the details of the alleged debt I made at about {$6000.00}. They can not give me information by phone because they have no way of confirming my identity, since they do not use a social security number. I must present myself to a branch and in Puerto Rico there is no presence of this bank. This debt affected my credit, debt that I never had knowledge that I had because the account was closed, must have been fraudulent charges. The loan was not approved because it affected my empiric. Bank of America does not want to help me, I am XXXX years old and I have always had excellent credit, I am looking for alternatives to help me solve this issue. 
spoke with XXXX from Bank of America on XX/XX/XXXX. Also with XXXX and the answers have been that I have to go through a branch for account details because they can not confirm my identity with social security or address. The phone number that appears on the system is no longer available. I can't find what else to do, I'm very worried.
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (PR)

Constant and threatening calls when I had already called and they told me that they would investigate if I did not make such purchases and cancel the bill. We are people of XXXX  and XXXX  who have never had problems with accounts and right now we have no debt. We want a quiet time. I hope you can help me since the calls are daily and up to 5 times a day any time.
Consumer complaint received 2020-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (PR)

A letter was received from a collection agency called XXXX XXXX , XXXX on XX/XX/2020. An outstanding debt is indicated for Raymour & Flanigan. Credit has never been requested or taken for this company, we understand it is identity theft.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (GA)

On or about XXXX XXXX, 2016 I contacted the Equifax CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter ( credit trade-line accounts ) and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " XXXX XXXX XXXX XXXX - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XXXX/XXXX/2016.
Consumer complaint received 2020-12-31
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. (IL)

I have two credit cards through XXXX. Around XXXX/XX/XX/2019 one of my on-time XXXX credit card payments was applied to the wrong account causing the intended account to show 30 days late. After contacting XXXX support several times and their investigating, I was finally connected to a XXXX XXXX XXXX XXXX ) in XXXX XXXX " Executive Response Unit. '' He confirmed that the late payment reported was in error and should not have occurred. He wrote a letter ( attached ) saying that the three credit bureaus would be contacted and told to remove the late payment history ( the only late payment in my 20+ year credit history ). XXXX and Experian have not removed the late payment - XXXX has. Despite submitting a dispute to Experian and including the necessary info they could use to verify that the late payment should be removed, they refuse to do so. I believe this is in direct violation of FCRA. They have information that knowingly shows what they are reporting is false. The dispute from XXXX is still pending. I am including all three companies : XXXX, Experian and XXXX on this complaint.
Consumer complaint received 2020-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (PA)

I have been sending Equifax & XXXX  information regarding changes to my credit history, disputes and asking for a copies of my Credit Reports for around a year now, and have never received a response to any changes / disputes. Not eeven one Annual Credit Report has been provided in response to any of my inquiries. 

As I understand it, they have 30 days to respond, which must be made available to me by law. 

I have not received by mail or email any responses to the information that I have provided, and also not received an updated Credit Reports per the changes made.

Not even my annual Credit Reports have been provided to me. I need to be able to access my Credit Reports and changes on a more timely basis. 

I finally found out about and went to the " XXXX '' site to try to gain access to my reports myself. However, the process was very confusing ( asking me all questions that had to be answered : " none of the above '', which then made the site reject my ability to access a report ). 

After a few more tries, I finally was able to get past the identifying questions ( by practically guessing what correct answers they were looking for ). However, after requesting both my XXXX  & Equifax Credit Reports and after finally receiving the XXXX  report, it would not allow me to proceed to receive the Equifax report. 

Then it wouldn't let me back in to get the Equifax report saying that it was no longer available online.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (VA)

I submitted an application for an American Express XXXX credit card based on an online offer for XXXX points after spending {$3000.00} in the first XXXX months ( see attached ). Instead, I received XXXX points. I contacted American Express several times about this, and they said the XXXX points offer had expired, even though that was the offer I saw and the reason I signed up for the card. Regardless, the offer shortly after I signed up for the card was for XXXX points after spending {$5000.00} in the first XXXX months ( see attached ). In addition, American Express took away XXXX points from my account without any explanation in XX/XX/2016 ( see attached ).
Consumer complaint received 2020-12-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Patenaude & Felix A Professional Corporation (CA)

Patenaude and Felix ( P & E ) reached out to me about settling an old judgement, originally filed in XXXX. I have received countless letters from them in XXXX, offering {$2200.00} to settle a {$11000.00} debt with XXXX XXXX. Unfortunately, at the time ( XXXX ) I was unaware of, and never served, the judgement, so it went unanswered. 
Since XXXX, the debt has been transferred to different collection agencies. However, I received no formal notice or court doc stating that P & E had taken over for XXXX. In fact, when I called XXXX in early XX/XX/XXXX, the rep explained that XXXX held the judgement. Then, XXXX confirmed it was transferred to Patenaude and Felix. 

Recently, my financial bank brought it to my attention that a active lien is on my property, which prevented any financial transactions, until it was cleared. I called P & F to discuss the account and they sent letterhead on XX/XX/XXXX requesting a settlement amount of {$2200.00}, to be paid by XX/XX/XXXX. A cashier check for that amount was XXXX XXXX received and signed by someone in the P & E office by XXXX on XX/XX/XXXX. On that same day, after XXXX, I received an email from them stating that they can not accept the payment and insist that I call to discuss. I refuse to call them, simply because I could not trust a verbal communication with them, considering they had just reneged on a written agreement to accept the settlement payment of {$2200.00} by XX/XX/XXXX. They are not being transparent or honest. 

Between XX/XX/XXXX to XX/XX/XXXX they have ignored all my previous emails/questions and phone calls. They, also, have ignored all third party ( bank and escrow company ) emails and phone calls. P & E finally reached out to me via email, AFTER the cashier check was received, on XX/XX/XXXX. They were attempting to answer an older email ( dated XX/XX/XXXX ) by stating they could not talk via email, urging that I needed to call them. No mention was made of the cashier check. After I explained that I wanted a Satisfaction of Judgement for receipt of payment, is when I got the response that they would not accept my payment. It was all a ploy to coax me into to calling about an old email, just to verbally give me reasons why they won't accept the payment we all agreed to. 
Unfortunately, I have to keep using the word " they '' when referring to the person corresponding with me, because I have yet to know who is on the other side of the emails. No name was given when I have asked.
Consumer complaint received 2020-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

Good morning Everyone, On XX/XX/XXXX, I found out a debt collection for the amount of {$1400.00} on my credit report for which I have no clue. The name of the company is Common wealth Financial, the original creditor is XXXX XX/XX/XXXX and it was opened on XX/XX/XXXX. In the next day, I called the company, I provided my full name and my date of birth for the verification. The lady on the phone told me that they are were going to put it on a dispute file so they could remove it later. I wish the did that before taking any other legal action. For your information, I remember I disputed the original creditor twice in the past, but they keep putting negative item on my credit. Please help me with this matter because it hurts my credit so bad. 
Thanks in advance. 
Respectfully, XXXX XXXX DOB XX/XX/XXXX
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XX/XX/XXXX, I noticed my Bank of America ( BOA ) online banking no longer gives me the right to access my checking and saving account. 

I called BOA in the middle of XXXX and BOA informed me that they closed my account. I did not receive any phone call, email, or text notice from their action. 
I was told BOA has the right to end the client relationship with me and my money will be mailed back to me via check. The associate states the check would be sent to my billing address. 

On XX/XX/XXXX, I received the noticed of account closure delivered to my billing address. 
In the latter of XXXX, I called BOA again because I have not received the check. The bank associate stated that the check might be lost in the mailing process. I was told I need to wait 90 days for the check to expire so BOA would send another check to me. 

In XX/XX/XXXX, I called BOA multiple times to track the process and BOA asked me to call back after XX/XX/XXXX to initial a stop payment process and a new check request. 

On XX/XX/XXXX, I called again to follow up my request. BOA associate actually informed me that the first check was delivered to a wrong address ( previous billing address ) I no longer have access to. I asked BOA to change my address to my current address and start their process of sending out the check. 

On XX/XX/XXXX, I called BOA to follow up. The associate told me they have no updates from the last request and suggested me to file another stop payment request. I confirmed now they had my correct address and requested as they told. 

On XXXX XXXX, I called BOA again to check the process. BOA claimed they don't have updates due to extreme weather in their headquarter in Texas. They suggest me to wait 7 to10 more business days. 

I was very unpleased about what BOA did to my accounts. I have been a client for nearly 6 years. 
First of all, I do not think it is appropriate to close a client 's account without notice advanced. 
Secondly, I have been misled for almost 3 months because they send the check to a wrong address. 
Thridly, I do not know what took BOA so long to send another check. It has been a month past their 90-day rule. They did not automatically initiate a new check and they have not been protecting my interest in a responsible manner. 

The amount I had on my accounts with BOA : Checking- XXXX USD Saving- XXXX USD BOA has breached my enjoyment of life and violated my right on my property. They have failed to treat their client with fairness and honesty. 

I demand BOA return my money via check in a timely manner and I need to keep my right to seek justice and compensation via the legal process.
Consumer complaint received 2020-09-16
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. (NY)

On XX/XX/2020 XXXX XXXX XXXX removed the closed account # XXXX from my XXXX report, but not from Experian or XXXX report. 

I'm requesting XXXX XXXX XXXX to include Experian and XXXX in the removal of my closed account # XXXX. Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I had initially attempted to correct an incorrect status with all credit reporting bureaus regarding a XXXX XXXX account incorrectly showing as a charge off. When I did not receive any relief, I came to the Consumer Financial Protection Bureau website in order to try to have the problem resolved. Since doing that, the original XXXX XXXX problem remains, but now Transunion and XXXX  have altered my credit report and it now contains several errors. I filed bankruptcy in XXXX and it was XXXX in XXXX of XXXX. My credit reports on across all reporting agencies has always correctly shown a bankruptcy discharged in XXXX and all of the accounts included in the bankruptcy have reflected that. There were never any errors or problems with the bankruptcy. Now, the bankruptcy is no longer showing on Transunion or XXXX  and the account included in the bankruptcy are showing as late payments, with no mention of the Bankruptcy. This is from XXXX, and it has been changed, without cause. I never disputed the bankruptcy or the contents therein. XXXX, an old XXXX XXXX, an old XXXX account, XXXX/XXXX  are all showing as late payments. Everything this happens, my score goes down. Every time I try to correct one problem - with the XXXX XXXX account, a new problem arises. I am afraid this is going to effect my current accounts, that are in good standing.
Consumer complaint received 2020-09-16
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. (AR)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (PR)

On XX/XX/2017 my wife received a call from XXXX and associates stating that she owes a debt from over 20 years ago. Said that the following Monday judgment on a lawsuit would be placed and that the debt will be seized from our personal checking account. The company had all our personal information. I realized that it was a scam. They were going to charge my credit card for that alleged debt. I called my credit card company and told them that please do not accept the charges from that company because they were trying to scam me. They made 2 charges. One for {$1500.00} and the other for {$2500.00} for a total of {$4000.00} After the charges were made I submitted a dispute. Later the merchant sent them two forged receipts with my wife name. I sent them proof that the signatures were not alike but they still accept the fraudulent signature. It has been 3 years back and forth with the disputes. XXXX  and associates does not respond and I have reported them to various agencies. The only thing left to do is report my credit card for not protecting me from these charges. The credit card company obviously has not reviewed all the documents I have sent them because they keep sending me letters claiming that I signed for purchases. When obviously nothing has been purchased. They respond with pre-written letters. I need help with this issue because the debt is not mine and its not fair to have to pay for this and I do not think my credit should suffer from this because I have a good credit rating and I am responsible paying all my bills on time.
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This is XXXX XXXX filing and submitting this complaint. The following credit inquiries currently listed on my Trans Union, XXXX  and XXXX  credit report are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX  XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX  XXXX XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX  XXXX, XX/XX/20, XXXX XXXX  XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX  XXXX, XX/XX/20, XXXX/XXXX, XXXX, XXXX  XXXX/XXXX, XX/XX/20 XXXX XXXX XXXX, XX/XX/20 XXXX XXXX  XXXX/XXXX, XX/XX/20, and XXXX  XXXX  XXXX  XXXX XX/XX/20 XXXX
Consumer complaint received 2019-10-08
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (PR)

The lease with honda finance was terminated under the Servicemembers ' Civil Relief Act of 2003 in XXXX and the only directions that they gave me was to turn in the car, which I did as requested. They still are posting my account being delinquent wen this is not the case at the payments were always on time.
Consumer complaint received 2019-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

My score dropped 11 points for a card remark from XXXX card service which I never had or used. Status shows as closed by grantor with no apparent use. 
Need this remark removed from my scores from transunion and XXXX. incorrect information on my credit report.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the XXXX credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XXXX XXXX XXXX then I followed up on XX/XX/XXXX. At that point, I sent a XXXX dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. 

With Shellpoint Mortgage, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to XXXX, but apparently when the mortgage sold to Shellpoint, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! 

For the XXXX XXXX XXXX XXXX XXXX account, there are XXXX late payments reporting, neither were valid either! XXXX of them, they admitted to their system being down due to XXXX and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened XXXX new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. 

For XXXX XXXX XXXX XXXX, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!
Consumer complaint received 2024-10-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (TX)

TD Yard card changed my account number, and I was not able to make a payment by the due date because their system required my new credit card number. I was charged a {$29.00} late fee due to their failure to send me a card. 

I have attempted multiple times to call the customer service number provided and have waited an hour each time without being able to speak to an agent. This is fraud on their behalf and I want the {$29.00} late fee refunded.