davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (FL)

This company reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XXXX I Defaulted on my Bank of America Mortgage XXXX BOA  gave to XXXX to service XX/XX/XXXX I completed a Loan MOD to save from Foreclosure thru XXXX  XX/XX/XXXX an escrow analysis was done ( as it is every year ) It was calculated incorrect. When my MOD  was done, I was given a XXXX yr repayment for outstanding Escrows owed. It took me a month to prove and talk to someone that could comprehend and fix this. 
XX/XX/XXXX Loan gave back to Bank of America XX/XX/XXXX My Taxes went significantly down and escrow were recalculated. Im now in the same boat from XX/XX/XXXX, only worse. BOA is telling me to prove the XXXX yr repayment of prior outstanding escrows. I told them to contact XXXX ( the Manager who helped me ) But they seem to not want to. My Hard Drive crashed XX/XX/XXXX and I now dont have the MOD requirement sheet that stated info about the escrows. I have made a payment with what it should be but Bank wont apply to my loan. So now we sit at a stand still until they fix their issue! The difference in correcting is {$100.00} mth
Consumer complaint received 2022-09-16
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (IN)

I opened a checking and savings account with Discover Bank at the beginning of XX/XX/2022. A week later after I opened the accounts ( around XX/XX/XXXX ), I receive an email saying my account was closed due to a business decision so I then tried to login to the app and website and got an error message saying that the accounts were suspended and I needed to call their Discover Bank phone line. I did that, and they told me that I needed to wait a full 60 days from the date that the account was closed before they could begin processing a check so I did that. It is now Friday, XX/XX/XXXX and I called them back and turns out they can not process my check until they verify my identity by me uploading an image of my drivers license to their online file service. I did this, but it seems like every time I call them I get different answers on how long to wait, what needs to be done, etc and I just would like my money back soon because I am currently broke and depend on that money.
Consumer complaint received 2022-09-16
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-16
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have tried to close my account at Capital One for a long time, but they are not receptive and keep transferring me between different offices and never end up doing anything. I would have liked to change my name at the bank since my name has legally changed since I opened the account, but that is also impossible. I want to close the account now permanently.
Consumer complaint received 2022-09-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-09-16
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. (GA)

These accounts are found to be inaccurate and can not be verified. See attachment. 

XXXX  acct # XXXX XXXX acct # XXXX
Consumer complaint received 2022-09-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX, I just checked my credit report and I learned that the items I requested for your company have not yet been removed and their status on my has not yet been updated, you seem to be delaying things but I am not going to just wait because this matter of is great importance to my family. I sent the letter on XX/XX/2022, and it's been over a month now. I still haven't received any response from them or any form of update from their end. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer!
Consumer complaint received 2022-09-16
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. (PA)

I opened a XXXX XXXX account though XXXX XXXX XXXX  on XX/XX/XXXX. I was making payments on time but then fell behind. I received a letter in the mail in XX/XX/XXXX saying they were offering me a settlement offer for {$1600.00}. I called around XX/XX/XXXX to agree to the offer. I gave them the payment information and they processed the payment. The payment came out of my bank account on XX/XX/XXXX. I received a confirmation number and was told my account would be closed and that it would show up on my credit report as paid in full by less than full amount. 

A few weeks after I paid the settlement amount, I received a bill in the mail saying I owed a monthly payment of over {$400.00}. So on XX/XX/XXXX, I called the XXXX XXXX card, spoke to a man named XXXX and asked why I was still receiving payment notification letters after I already settled the account. I was told that it would take about 21 days to close the account and disregard any future emails or bills and I'll receive a letter in 21 days. 

I kept receiving bills and email notifications and noticed that on my credit report it was showing delinquent and affecting my score. 

On XX/XX/XXXX, I called the XXXX XXXX card again this time being more stern in my approach telling them that the account was settled and that it was suppose to be closed 21 days after XX/XX/XXXX and I'm still getting bills. The man named XXXX transferred me to an Account manager named XXXX, who apologized for everything and said she would send an email stating the account is closed and has been settled and would take care of the credit reporting issue too. She mentioned she would call me back in 1-2 days to let me know the status of everything. 

My problem with this whole situation is that it don't seem there's communication being relayed and that my credit has been taking a good hit. 

If there's anything you could do, that would be awesome! 

Thanks, XXXX XXXX
Consumer complaint received 2022-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc. (CA)

As I was browsing the Victoria 's Secret website, an offer for a pre-approved mastercard popped up. I accepted the offer. Today, the card came and it is a store card - not a mastercard. I have cancelled the card. This is a bait and switch to deceive people into accepting a store card that they do not want.
Consumer complaint received 2024-01-05
Product: Credit 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: CITIBANK, N.A. (CT)

Attempted to dispute three transactions with Citi. 

Merchant advertised table top board games on XXXX and I placed three orders for 17 games total. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$62.00} It turns out company is well known fraudster ( XXXX ). This name was not associated with the original website that the games were advertised on but appeared in the billing description. Within a few days, the website that was selling the items disappeared off the web. They never sent tracking numbers or invoices. 

I immediately sent in disputes to Citi documenting how this is a known fraudster and despite this being easily verified as a scam, they have denied my dispute and the appeal. 

Merchant provided Citi with fake tracking info which does not match up with 15 board games being shipped. 

Games never arrived, I'm out {$150.00} with no recourse.
Consumer complaint received 2022-09-16
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. (MI)

On XX/XX/XXXX I sent a dispute letter to Experian, XXXX, and XXXX regarding the collection account : XXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX  ) I them to verify this account. Please remove this account. They did not send me proof of verification of this account. On XX/XX/XXXX I sent a dispute letter to Experian, XXXX, and XXXX regarding this account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ). I have doubts this is correct. Please remove this account. On XX/XX/XXXX I sent a dispute letter to Experian, XXXX, and XXXX regarding account : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ). Stating that this information is inaccurate, please remove it! On XX/XX/XXXX I sent a letter to the furnisher to verify that account belongs to me. This account is erroneous. This account is reporting inaccurately on all three credit bureaus. On XXXX this account is reporting the date opened as XX/XX/XXXX with a balance of {$2300.00}. on Experian this account is reporting date opened as XX/XX/XXXX with a balance of {$2300.00}. On XXXX this account is reporting date open as XX/XX/XXXX. With a balance of {$2300.00}. I want verification that I owe that balance and a break down of the amounts owed. This account is reporting different dates opened and different balances owed. This account is erroneous, I would like it deleted from my credit reports please.
Consumer complaint received 2024-03-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called capital one ( XXXX ) to ask for assistance on lowering the interest rate or if they could waive some of the interest assessed on the card. They stated that the interest could not be lowered by request. I asked if any interest charges could be waived and they said no. I asked if an audit could be conducted to make sure the interest was being assessed properly and they stated no. All I've ever heard from this company is no. Anything I ask for the answer is always no. Capital one and the way they handle their processes is extremely unfair to the customer. I will also mention I had this phone call escalated to XXXX who was introduced to me by the previous reprentative as a manager. When in fact he introduced himself as my account manager. He stated the call could not escalate past him. Meaning no one else to speak to. He stated that I may not like the answers to my questions but that is just how capital one handles these matters. The customer must not matter. That is how I was left feeling.
Consumer complaint received 2023-05-13
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: Ray Skillman Ford Inc (IN)

In accordance with the Fair Credit Report Act XXXX, Inquiry from RAY SKILLMAN FORD INC on Date : XX/XX/, 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 an account without my written instructions.

This inquiry from RAY SKILLMAN FORD INC is fraudulent, because I did not authorize this company to pull my credit file.
Consumer complaint received 2022-09-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CLGF Holdco 1, LLC (OH)

Geniuses card service they won't work with you Geniuses card service have called close to 400 times in the past week all day all night they even went has far they disquie there number it come up has XXXX.
Consumer complaint received 2022-09-16
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: Experian Information Solutions Inc. (CA)

I will start off by saying I have perfect credit. I am trying to open a XXXX XXXX with a local credit union. The bank ran my credit and it is frozen through Experian. When I went onto the Experian website I was unable to login. I was able to reset my password but their was a security feature that wanted to send a message to one of my OLD phone numbers. Because of this I could not log in. When I call them it is absolutely impossible to reach anyone. They send me back to their website. Their website sends me to their phone number. Its circular and there are no humans available. So now, I cant invest my money. Experian needs to be shut down.
Consumer complaint received 2024-03-13
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. (FL)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.
Consumer complaint received 2022-09-16
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. (FL)

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes XXXX XXXX and Experian Credit bureaus are currently still reporting XXXX XXXX XXXX an inaccurate account on my report such as multiple inaccurate names and addresses that are not mine, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. XXXX, XXXX and Experian are not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 

Under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''
Consumer complaint received 2023-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

Fed loan services is reporting XXXX confidential non public personal information. XXXX XXXX is dependent on privacy. XXXX in XXXX does not Include Transactions and Experiences between consumer and person making the report