davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-19
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. (FL)

I HAVE CHECKED MY CREDIT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT IS REPORTING ON MY CREDIT WITHOUT ME HAVING ANY KNOWLEDGE OF THEM. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME.I HAVE TRIED MY BEST TO MAINTAIN A GOOD CREDIT AND IT IS SAD THAT I HAVE TO GO THROUGH THIS BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS. BECAUSE OF THIS MY CREDIT IS IN A VERY BAD STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I started using Bank Of America Travel card because their travel rewards program on XX/XX/2019. According to their rules and stated on advertisements, you earn double points when you book travel at Bank of America Travel center. I purchased an XXXX XXXX ticket on XX/XX/2019 on the Bank of America Travel center website and they never credited the rewards. ( see attached receipt ) .They credited the normal charge rewards as if i had purchased anything and outside the Travel Center as if I had purchased food or anything not at Travel center. I called in XXXX, then twice in XXXX, every time I was on the phone for an hour or more ( see attached ). I provided copies of THEIR website confirming the purchase, and emailed documents as requested by them. Every time they say they will credit the rewards in 7 to 10 days. This I believe is a fraudulent practice basically getting customers to get tired of calling. I wonder how many victims of this Bank of America fraud are there, but certainly something very wrong is going with this rewards program. They asked for documents of their own website and their credit card and I have provided three times. It is not a lot of money in cash value of XXXX points, about {$58.00} but certainly is theft by Bank of America. Probably they have been stealing millions from other customers not checking the full credit of their rewards.
Consumer complaint received 2020-03-19
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. (CT)

XX/XX/XXXX, I began working with a credit counseling agency ( XXXX XXXX XXXX ) to renegotiate the terms of my XXXX business card. XXXX XXXX Policy on business credit cards is they don't report consumers delinquent or defaulted until the account is 60 days past due. The credit card payment was due XX/XX/XXXX. According to a representative I spoke with at XXXX, the credit card account would not have been 60-days past due until XX/XX/XXXX. In the interim, I was informed direct all payments to XXXX XXXX which they would then submit the payments to XXXX. 
The first payment was deducted from my checking account by XXXX XXXX on XX/XX/XXXX, in the amount of {$220.00}. I received numerous calls from XXXX during the month of XXXX. I told XXXX, I had begun working with a credit counseling agency. As I received more calls from XXXX, I contacted XXXX XXXX in regards to my account with XXXX. XXXX XXXX first stated, They were waiting for XXXX to approve my credit counseling plan. On XX/XX/XXXX, I contacted XXXX XXXX again because I was still receiving correspondence from XXXX. XXXX XXXX stated, They were waiting for a full months payment to submit the debt management plan to XXXX. They instructed me to disregard correspondence from XXXX. As of XX/XX/XXXX XXXX, XXXX had already deducted {$470.00} from my checking account and XXXX hadnt received any payments from them. The monthly payment determined by XXXX XXXX is {$450.00}. 
At this point, I began to get concerned XXXX XXXX was not being candid about the agreement with XXXX and was going to end the relationship. On XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX stating they accepted the payment proposal from XXXX XXXX. The letter also stated that they must receive a payment of {$450.00} by XX/XX/XXXX. The letter further states that all payments are to be made to XXXX XXXX and any direct payments scheduled to XXXX canceled. The first payment was made from XXXX XXXX to XXXX on XX/XX/XXXX. 
This resulted in XXXX reporting me 30-days delinquent in XXXX, 60-days delinquent in XXXX, and 30-days delinquent in XXXX. I tried to resolve this matter with XXXX and with XXXX XXXX. XXXX XXXX informed me on XX/XX/XXXX, that the debt management proposal wasnt actually submitted until XX/XX/XXXX ; three weeks after XXXX XXXX told me they were waiting for XXXX to accept the proposal.
Consumer complaint received 2020-03-19
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. (CT)

XX/XX/XXXX, I began working with a credit counseling agency ( XXXX XXXX XXXX ) to renegotiate the terms of my XXXX business card. XXXX 's Policy on business credit cards is they don't report consumers delinquent or defaulted until the account is 60 days past due. The credit card payment was due XX/XX/XXXX. According to a representative I spoke with at XXXX, the credit card account would not have been 60-days past due until XX/XX/XXXX. In the interim, I was informed direct all payments to XXXX XXXX which they would then submit the payments to XXXX. 
The first payment was deducted from my checking account by XXXX XXXX on XX/XX/XXXX, in the amount of {$220.00}. I received numerous calls from XXXX during the month of XXXX. I told XXXX, I had begun working with a credit counseling agency. As I received more calls from XXXX, I contacted XXXX XXXX in regards to my account with XXXX. XXXX XXXX first stated, They were waiting for XXXX to approve my credit counseling plan. On XX/XX/XXXX, I contacted XXXX XXXX again because I was still receiving correspondence from XXXX. XXXX XXXX stated, They were waiting for a full months payment to submit the debt management plan to XXXX. They instructed me to disregard correspondence from XXXX. As of XX/XX/XXXX XXXX, XXXX had already deducted {$470.00} from my checking account and XXXX hadnt received any payments from them. The monthly payment determined by XXXX XXXX is {$450.00}. 
At this point, I began to get concerned XXXX XXXX was not being candid about the agreement with XXXX and was going to end the relationship. On XX/XX/XXXX, I received a letter from XXXX dated XX/XX/XXXX stating they accepted the payment proposal from XXXX XXXX. The letter also stated that they must receive a payment of {$450.00} by XX/XX/XXXX. The letter further states that all payments are to be made to XXXX XXXX and any direct payments scheduled to XXXX canceled. The first payment was made from XXXX XXXX to XXXX on XX/XX/XXXX. 
This resulted in XXXX reporting me 30-days delinquent in XXXX, 60-days delinquent in XXXX, and 30-days delinquent in XXXX. I tried to resolve this matter with XXXX and with XXXX XXXX. XXXX XXXX informed me on XX/XX/XXXX, that the debt management proposal wasnt actually submitted until XX/XX/XXXX ; XXXX weeks after XXXX XXXX told me they were waiting for XXXX to accept the proposal.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I was looking over my credit file and I found out that I have a few fraudulent accounts reporting the I never opened up. My full name and current address are : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX The following SS # is not mine XXXX please delete it! The following addresses are not my I do not live at the following : XXXX XXXX XXXX XXXX, OH XXXX I am currently XXXX XXXX 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX I am currently Fully XXXX XXXX  Please remove the following employers : Not Provided, XXXX XXXX
Consumer complaint received 2020-03-19
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: SYNCHRONY FINANCIAL (FL)

ON XX/XX/2020 I WAS HIT WITH A HARD INQUIRY FROM A ONE " SYNCB/XXXX  ( XXXX  ) ''. AFTER I DID MY RESEARCH, COME TO FIND OUT ITS AN AIRLINE 3RD PARTY BOOKING AGENT WITH A NEW CREDIT CARD. DONT HAVE AN ACCOUNT NEVER HAVE BOOKED WITH THIS COMPANY. TRIED CALLING THE PHONE NUMBER MULTIPLE TIMES AND HAVENT BEEN ASSISTED YET. THEY PROMT ME FOR IMMEDIATE ACCOUNT INFO ( THAT DOESNT EXSIST ) AND OR A PAYMENT FOR AN ACCOUNT ( THAT DOESNT EXSIST ). IN THE MIST OF THIS IT IS HURTING MY CURRENT CREDIT SCORE HINDERING FROM GETTING CURRENT AND FUTURE LINES OF CREDIT.
Consumer complaint received 2020-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Advantage LNS Inc. (TN)

It seems as if me having to file complaints against this horrendous company is becoming a common and reoccurring theme. This company has yet to present any proof that I didn't fulfill my contractual obligation. They only present what is ALLEGED that I owe but have yet to show that I did not fulfill my contractual obligation. They only go by what is alleged. It looks to me that it's my word against theirs. But I'm basically guilty until proven innocent when it should be the other way around. Horrible.
Consumer complaint received 2022-12-28
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-19
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc. (VA)

Dear Sir, My name is XXXX XXXX XXXX and I am XXXX  of XXXX XXXX XXXX XXXX XXXX XXXX,, a company which XXXX XXXX   XXXX  in the XXXX VA area. 

Recently, due to an error in surveying, we have had to have a lot line adjustment on one of our sold units. This revision in the mortgage involved no change in the size of the lot or house since it involved only moving the perimeter by 2 feet. 

XXXX XXXX/Dovenmuehle Mortgage Inc., the company holding the mortgage on the unit required us to pay {$1400.00} for the revision as well as {$470.00} for an appraisal even though the house in question was only a few months old. We dutifully paid these fees on XX/XX/2020 and as of this date we still have not received the revision documentation. 

This delay in providing the revision is currently holding up the closing on a new, adjacent unit, causing the prospective owner signification delays. Last Monday ( XX/XX/XXXX ) we learned XXXX XXXX had signed off on the revision and consequently we anticipated getting the final documentation quickly thereafter. Unfortunately, after all this time, XXXX XXXXl/Dovenmuehle Mortgage, Inc., informed us the revision would take an additional two - three weeks. 

We feel XXXX XXXXl/Dovenmuehle Mortgage, Inc. has not operated in good faith and unfairly delayed a simple mortgage revision. We would appreciate anything you can do to look into this issue with XXXX XXXX/Dovenmuehle Mortgage, Inc. so the prospective buyer of the adjacent unit can receive clear title. Delays of this length by lending institutions like XXXX XXXXl/Dovenmuehle Mortgage, Inc. cause enormous grief and inconvenience that should not be tolerated. Contact XXXX XXXX/Dovenmuehle Mortgage, Inc. is listed below : XXXX XXXX Special Loans Administrator XXXX XXXX Thank you for your kind assistance. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX VA XXXXXXXX XXXX
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

I HAVE ASKED THAT THE BANKRUPTCY, XXXX XXXX/ XXXX XXXX AND XXXX XXXX, AND XXXX XXXX ACCOUNTS BE REMOVED
Consumer complaint received 2024-02-24
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 (FL)

On XXXX two charges were made on my Bank of America credit card, one in the amount of {$53.00} ( controller ) and one in the amount of {$530.00} ( XXXX ) at XXXX XXXX in Minnesota. When I found the charges on my card, I called the bank told them they were fraud, I did not make them. They apparently tried twice to charge these items on my card, The first time they were declined the second time they went through. The bank refunded my money while they researched, Then they decided they werent fraud and recharged my card because XXXX XXXX told them they had all my info and that these were delivered to my home. I called the XXXX XXXX told him this is fraud charges. They said I would have to deal with my credit card co. I called Bank of America back again Told them these were not my charges I never ordered nor received these items. They said the information they got from XXXX XXXX stated that they were sent and received by me at my home. I researched and found the order details of these items and was able to get a copy of the order which stated these were picked up, not sent to my home, at a XXXX XXXX in XXXX, Florida. I then went to my Bank of America branch and had them fax the copy of the order details that states these were picked up, not delivered to me. I also went to the XXXX XXXX that they were apparently picked up from to try and get video of who the people were but because too much time it passed I was not able to.
Consumer complaint received 2020-03-19
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)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I saw 2 unknown accounts opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-03-19
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)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I saw 2 unknown accounts opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

Requested validation of debt shows all of the accounts are reporting as open on my credit report. Reporting incorrectly which is a violation reported as open on my credit report Midland credit Management XXXX XXXX XX/XX/2024 XXXX XXXX XXXX balance XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Requested the following from the companies above The name and address of the original creditor The original creditors account number The amount owed A copy of the last billing statement from the original creditor The date the original creditor claims this debt became delinquent
Consumer complaint received 2022-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

With respect to Chapter 41 : 15 U.S. Code 1681, I being a consumer, am entitled to a accurate and complete consumer report. According to my consumer report generated on, XX/XX/2022 of there are some inaccurate not applicable, fraudulent personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. The following information needs to be omitted, please note upon completion of the requested, a new updated copy of my consumer report should be mailed to the mailing address that you have on file. promptly. 

Omit the following name as my TRUE name can be verified on my supporting identification : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Omit the following inaccurate addresses as my address can be verified by my supporting identification and I have no relation to any of the below mentioned addresses : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Attached to this initial request I have attached my identification. I suspect that you would have no issues removed the aforementioned information in a timely fashion.
Consumer complaint received 2020-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CT)

XX/XX/XXXX, I began working with a credit counseling agency ( XXXX XXXX XXXX ) to renegotiate the terms of my Chase business card. Chase 's Policy on business credit cards is they don't report consumers delinquent or defaulted until the account is 60 days past due. The credit card payment was due XX/XX/XXXX. According to a representative I spoke with at Chase, the credit card account would not have been 60-days past due until XX/XX/XXXX. In the interim, I was informed direct all payments to XXXX XXXX which they would then submit the payments to Chase. 
The first payment was deducted from my checking account by XXXX XXXX on XX/XX/XXXX, in the amount of {$220.00}. I received numerous calls from Chase during the month of XXXX. I told Chase, I had begun working with a credit counseling agency. As I received more calls from Chase, I contacted XXXX XXXX in regards to my account with Chase. XXXX XXXX first stated, They were waiting for Chase to approve my credit counseling plan. On XX/XX/XXXX, I contacted XXXX XXXX again because I was still receiving correspondence from Chase. XXXX XXXX stated, They were waiting for a full months payment to submit the debt management plan to Chase. They instructed me to disregard correspondence from Chase. As of XX/XX/XXXX XXXX, XXXX had already deducted {$470.00} from my checking account and Chase hadnt received any payments from them. The monthly payment determined by XXXX XXXX is {$450.00}. 
At this point, I began to get concerned XXXX XXXX was not being candid about the agreement with Chase and was going to end the relationship. On XX/XX/XXXX, I received a letter from Chase dated XX/XX/XXXX stating they accepted the payment proposal from XXXX XXXX. The letter also stated that they must receive a payment of {$450.00} by XX/XX/XXXX. The letter further states that all payments are to be made to XXXX XXXX and any direct payments scheduled to Chase canceled. The first payment was made from XXXX XXXX to Chase on XX/XX/XXXX. 
This resulted in Chase reporting me 30-days delinquent in XXXX, 60-days delinquent in XXXX, and 30-days delinquent in XXXX. I tried to resolve this matter with Chase and with XXXX XXXX. XXXX XXXX informed me on XX/XX/XXXX, that the debt management proposal wasnt actually submitted until XX/XX/XXXX ; three weeks after XXXX XXXX told me they were waiting for Chase to accept the proposal.
Consumer complaint received 2022-12-28
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION (CA)

On XX/XX/2019 i opened a checking account ( including initial deposit of {$25.00} ) at SantanderBank.com, which came with a promotional bonus of {$200.00}. I never received the debit card and my account #, etc. I called Santander Bank twice the following weeks at ( XXXX ) XXXX. The representatives were Sarcastic, Rude and unwilling to solve the problem. I asked hem that if they don't want to open my new account they should refund my money. They were laughing and hang up the phone. It looks like that i am dealing with another Mafia Bank  authorized to be in business by a Corrupted Government.
Consumer complaint received 2020-03-28
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

On my credit report there are hard inquiries that I had from companies that I did not give my consent to and that I don't have an account with at all.. that makes improper use of my report.. 

Capital one XX/XX/2019 XXXX XXXX XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  - XX/XX/2019 XXXX/XXXX  - XX/XX/2019 XXXX XXXX  - XX/XX/2019 National credit card cos.