davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NJ)

Someone used my email address when opening the credit card. I get email notifications regarding their account including multiple past due notifications. I know that this account was not opened in my name because my credit is monitored. I tried calling the company to have them correct the email associated with the account and they were of no help. I do not want to get the emails but seems there is no way to fix the problem.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I was of the belief that I had cancelled my credit card and when I received the next monthly statement ( XX/XX/XXXX ) with a XXXX balance, I was certain the account was closed. The next month ( XX/XX/XXXX ) I get a statement with a large balance on it. When I talked to B of A I was told B of A had refunded money B of A thought was paid to them accidentally. This accidental payment happened in XX/XX/XXXX ; 5 months prior to the refund ( Why did it take 5 months to notice this accidental payment and why was the money refunded after I closed the account? ). B of A said I had requested this money be refunded on XX/XX/XXXX ; which is untrue. I never asked for the payment that occurred in XX/XX/XXXX be refunded. Now B of A is charging me interest and fees for money B of A added to my account after I closed the account. My answer for the above question is that B of A refunded the money precisely so they could charge me fees and interest ; which in my opinion is stealing or theft.
Consumer complaint received 2021-06-23
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 am filing a complaint regarding a fraudulent item on my credit report. My report shows a XXXX credit card account with a balance of more than {$3000.00}, which appears to have been opened in XXXX and then charged off in XXXX. I have no knowledge of this account, and did not open it! The account shows dozens of on-time payments over a length of time, but who made those payments? I did not open this account and certainly didnt make any payments. 

I want this account removed from my credit report. I filed a dispute, but no changes have been made. This is not my account, nor have I ever had a XXXX credit card. 

Surely some kind of investigation could be done to find who who opened, used and temporarily made payments on this account. Please advise me on how to resolve this error, as its negatively affecting my credit report. 

Thank you, XXXX XXXX
Consumer complaint received 2021-06-22
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. (DE)

I HAVE BEEN DISPUTING A ACCOUNT WITH EXPERIAN SINCE XX/XX/2021. EXPERIAN REFUSED TO CONDUCT A INVESTIGATION AND KEEPS SAYING THE ACCOUNT IS VERIFIED. I HAVE FILED A COMPLAINT WITH THE XXXX  AND THEY HAVE NOT RECEIVED A RESPOND FROM THE COLLECTION COMPANY. I HAVE SENT LETTER OF VALIDATION FOR THIS ACCOUNT AND HAVE NOT RECEIVED ANY RESPONSE BACK. THIS ACCOUNT HAS BEEN DELETED FROM XXXX  AND XXXX  DUE TO NOT BEING ABLE TO VERIFY. HOW IS IT THAT EXPERIAN IS ABLE TO " VERIFY ''.
Consumer complaint received 2021-06-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Note : This complaint was previously submitted on XX/XX/2019 ( XXXX ). Despite appeals to Bank of America and CFPB, I got only the standard response and no redress. I had given up except for what I have read since the XXXXXXXX XXXX XXXX protests from last summer -- minority voice suppression via redlining, consequent credit damage and hiding behind fine print legalese to thwart responsibility of financial institutions. As a XXXX XXXX, I wonder if I have been given the same treatment by Bank of America. I hope your office will look at my complaint again from a civil rights perspective. 

To recap, the Overdraft protection ( Line of Credit ) covered a {$200.00} shortfall in my Checking account. A transfer of {$10000.00} was made from our Savings account to our Checking account the next day assuming all is now well. Without a noticeable alert or warning from the Bank, the {$200.00} overdrawn amount in the Line of Credit incurred interest of just {$10.00} over 81 days when I got a delinquency call and I rushed and paid off the amount. However, my credit score took an instant drastic hit from about 840 to around 700 as a result. It will take me several years to get my credit standing back. 

It is unfair of Bank of America to continue such usurious practices. Of course, the public be XXXX  when Banks with assets of {$1.00} XXXX or more accounted for {$11.00} XXXX in overdraft fees in 2019, according to the XXXX XXXX XXXX XXXX. They should be taking a page from XXXX XXXX  that alerts customers when their balance is low and helps them to avoid overdraft fees. 

I hope CFPB will reopen my complaint, insist on Bank of America to provide restitution and change regulations to prevent such abuses in the future.
Consumer complaint received 2021-06-22
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 — Was not notified of investigation status or results
Company: Creditors Bureau Associates (GA)

According to 15 U.S. Code 1681 ( b ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates
Consumer complaint received 2021-06-22
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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My account was closed by the creditor during financial hardship and the account went on collection. I had sent out a letter requesting the form1099-C when the company charged off the debt with the IRS. By law the company is required to provide this form for all debts over {$600.00}. I never received this document. 

The company had sent me settlements but due to the negative report on my credit. I requested that i want to pay the debt and wanted to get the negative report removed because it is hurting my credit report.
Consumer complaint received 2021-06-23
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. (VA)

Hi I sent a 30 days to comply letter to all three credit bureaus and its been longer than 30 days and They still havent got back to me to verify the account in question
Consumer complaint received 2021-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I mailed off dispute letters to each of the credit bureaus and after 45 days XXXX  use the only on that reached out to me with updated info.
Consumer complaint received 2021-06-23
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 am a victim of Identity theft. I did not make these these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Consumer complaint received 2021-06-22
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: Experian Information Solutions Inc. (IL)

This XXXX XXXX mortgage debt does not belong to me under account number XXXX. Please remove the item from my credit report as soon as possible. I've sent several letter to the credit bureau, with no response. So now I'm reaching out to ( CFPB ) To get this matter resolved so if someone form this department can handle this matter and get back to me asap it will be greatly appreciated. Thank you.
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (SC)

I received a letter from a collection company stating that I owe XXXX XXXX XXXX but I never had a credit card with XXXX XXXX.The amount is $ XXXX.I have sent several letters, 609 letters to the credit bureaus and also to the company. I have received letters from different collection agencies about this bill.
Consumer complaint received 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in this matter!
Consumer complaint received 2021-06-23
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (NY)

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation reports. This creditor has reported late payment on XXXX, 2019 to my report which is incorrect and I am asking this late payment be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2021-06-23
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (SC)

On Friday, XX/XX/2021, I was approved for an apartment complex. She told me to come by and bring my deposit. I went to XXXX XXXX and got two money orders, one for {$340.00} and the other one for {$480.00}. I went to the apartment complex and filled it out there, the lady gave me copies of the money orders and told me I was good to go. On Tuesday, I called the apartment complex to get further information, like when I could come by and sign the lease, what my apartment number would me, etc. Lady at the apartment complex told me I would have to come by and pick up the money orders because she wouldnt know when the apartment would be available. She then told me that I could either take it t back to XXXX XXXX or to my bank. I tried my bank first and they told me that I would not be able to deposit my own money being it had the apartment complex name on it. I then proceeded to try XXXX XXXX and they told me no as well. Okay called the apartment complex and told them the situation and she said if I wanted to, I could bri g the money orders back and allow up to 10 business days. I told her I would do that, and she stopped responding. Yesterday, XX/XX/2021, I called the apartment complex to figure out what they wanted me to do, XXXX, informed me that she would get back in touch with me and never did. Today, XX/XX/2021, I called the apartment complex again to again figure out what to do. She tells me that I could bring the money orders back and it would take 15 days. I said ok. I called back to see what time they closed and she told me that they were not going to take my money orders back and told me to try to take it back to another XXXX XXXX
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MI)

The United States bankruptcy court XXXX XXXX of Michigan states they do not report to credit reporting agencies. Nor do they update information directly to the Credit bureaus.I have supporting documents as well.
Consumer complaint received 2018-06-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (PA)

I went to XXXX in XXXX XXXX, pa in XX/XX/2015 to get brakes put on and while there they said that i needed {$400.00} worth of work because my wheel bearings were destroyed. So i had them fix them, but after driving two minutes down the street realized nothing was fixed. They had given me a XXXX credit card to pay with which I used to pay for everything. So i went back a second time and they once again charged me on my XXXX credit card to fix the same problem and when i left i realized they still were not fixed. So after going back a third time and being charged again on the same credit card and still not getting my car fixed they said they probably wont be able to fix my car and to take it to a dealership. I then took my car to a XXXX dealership and they notified me that not only did they not fix anything properly on my car and that i would have to pay for all of it again, but they also cross thread my axle and i needed to purchase a new one, so i was charged {$1300.00} at XXXX for all repairs. After multiple attempts at trying to contact the district manager at XXXX from me, XXXX and my mom, no one answered any of our calls or called back. The credit card has an extremely high interest rate which i was not aware of and has put me into debt which i from services that were not even done properly. The credit card debt has now been turned over to a collection agency, XXXX XXXX.
Consumer complaint received 2021-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

On XX/XX/21 there were 5 unauthorized withdrawals from my account : {$1000.00} XXXX to XXXX, {$990.00} XXXX XXXX to XXXX XXXX, {$990.00} XXXX XXXX to XXXX XXXX, {$2400.00} XXXX XXXX to XXXX XXXX, {$2400.00} XXXX XXXX to XXXX XXXX XXXX do not know a XXXX and I would never send XXXX these amounts of money. This is not typical transaction history for my account. I made a police report with XXXX PD Rpt # XXXX, Det. XXXX is investigating this and has served legal orders on XXXX, XXXX XXXX, Bank of America, XXXX XXXX XXXX XXXX. Det. XXXX has information on the subpoena 's proving that is was not me who made this transactions. 

I have filed a complaints with Bank of America and with the XXXX against the Bank, all of the complaints have been closed without any action being taken.
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have called and mailed all three major consumer reporting agencies about the inquiries I have discovered on my consumer report. I brought it to the attention of all three consumer reports and have not received a response. I followed up and the inquires have still not been removed. I have also tried reaching out to every one of the creditors and they are unable to find an active account, only some electronic information from XXXX XXXX  XXXX. I am highly upset with the run around that I have received because I was not trying to buy a car during the pandemic. Due to there not being an active account with any of these companies the information is not accurate and I need it removed from my consumer report immediately as the false information will hurt me when anyone wants to see if they can loan credit to me
Consumer complaint received 2021-06-23
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. (TN)

I am writing in regards to having these items deleted from my report. I am a victim of identity theft I did not make these charges mentioned on the list. I have reported the theft of my identity to the Federal Trade Commission. Please delete these items from my credit report as soon as possible. Thank you.
Consumer complaint received 2021-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (CA)

The XXXX XXXX AAdvantage Citi MasterCard long advertised a benefit of covering car rental insurance. To this day a XXXX search of benefits of that card lists rental car insurance coverage. 

See http : /XXXX XXXX XXXX XXXXXXXX/ In fact Citi MasterCard advertises this benefit for all of their MasterCards. http : //www.citibank.com/us/cards/mstr-rntl.htm Because of this benefit people are advised NOT to purchase insurance from rental companies, and use MasterCard instead XXXX 

In XXXX-XXXX was in XXXX on an emergency trip. I rented a car using this card, and was in an accident where a bus hit our car from behind at a stoplight. ( Fortunately no one was injured. ) I called the number for XXXX MasterCard claims, and was informed that XXXX MasterCard had " decided '' two years ago to stop covering this. 

Fortunately the bus company has admitted responsibility and is covering the cost of repairing the car. I will be receiving a full refund from the car rental company. But this could be devastating financially to others involved in accidents while driving rental cars, and believing they were insured by the credit card company.
Consumer complaint received 2016-04-14
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC. (OH)

Navient is continually contacting my employer after multiple requests and certified letters to stop. XXXX XXXX from Navient was harassing another employee with my same first name until the other employee threated the police.so sent another letter certified and now they are calling again.
Consumer complaint received 2021-06-23
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. (CA)

I recently sent multiple letters to XXXX and Experian regarding the inaccuracy on my report showing a missed payment on XX/XX/2021 with XXXX. The payment was made is showing on my XXXX consumer report as paid but furnished on Experian and XXXX as late. This a violation of the FCRA and is affecting my financial reputation.
Consumer complaint received 2021-06-23
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. (LA)

I am extremely upset. I may have been the victim of identity theft. Someone has applied for credit in my name. There are accounts on my credit report for which I do not recognize. Pursuant FCRA 605B I am demanding they are removed. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (NY)

Fake accounts were opened in my name at SunTrust Bank. I called the bank more than once to close the fake accounts. The last phone call was on XX/XX/21. I also wrote a letter on XX/XX/21 to tell the bank to close the accounts. 

SunTrust closed the savings account but not the checking account. I am contacting the CFPB because I am tired of getting the run around from SunTrust.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-23
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. (GA)

I HAVE CALLED XXXX XXXX AND THE COMPANY XXXX XXXX ABOUT AN INCORRECT LATE PAYMENT. I HAVE NEVER HAD A LATE PAYMENT AND WOULD LIKE FOR IT TO BE CORRECTED ON MY EXPERIAN, XXXX, AND XXXX.I HAVE SENT LETTERS AND MADE PHONE CALLS WITH NO ONE AVAILABLE TO CHANGE THE STATUS!!