davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
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: Bridgecrest Acceptance Corporation (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-10
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I setup automatic payments ( of $ XXXX/month ) for my Bank of America account for the year of 2019. The automatic payments were processed by Bank of America until the end of XXXX. I found out that they did not process my scheduled automatic payments for the months of XXXX. I accrued late fees ( of {$39.00} ) for each month ( 4 late-fees total ; one for each month ). These late fees impacted my credit score negatively. I talked to Bank of America and their representative said they couldn't do anything to resolve my credit score.
Consumer complaint received 2022-07-06
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: Experian Information Solutions Inc. (CA)

To whom at may concern : I know my right under the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX 15 usc 1681 section 602 A. states I have a right to privacy. 
15 usc 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 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 then records of convictions of crimes which antedates the report by more then seven years.

15 usc 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 2018-03-05
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: STERLING JEWELERS, INC. (OH)

I made an into APR purchase on the XXXX XXXX credit card they offered me on XX/XX/XXXX of {$2100.00}. I was offered 12 months interest free on this amount. Due to a sizing issue I had to return the original purchase and make the same purchase just for a smaller size. The representative I worked with assured me that nothing would change on my billing, this was done on XX/XX/XXXX. As of XX/XX/XXXX I was charged my first interest fee on my card. I was unable to at the time check my online account because XXXX XXXX was in the process of switching lendor institutions therefore for about 5 months XX/XX/XXXX-XX/XX/XXXX I was unable to view my account online because XXXX had not sent me my new card information in the mail and would not tell me my information over the phone even though I provided my correct credentials. I called on three different occasions to try to get information about when I might receive my card in the mail, they said it should already be there, I had to request they send it out three different times. Every time I called I also tried to get my account information over the phone and they said they could not provide anything or let me make a payment. Unable to log in online I was also unable to pay my balance due to this for about 3 months XX/XX/XXXX-XX/XX/XXXX they ended up calling to collect my payments missed and owed on XX/XX/17 I then paid {$300.00} for the missed months due to being unable to access anything about my account. I now have the new card and have set up my online account again and am now seeing multiple interest charges each month I make payments and am very upset that I am being charged these due to no fault of mine in missing the payments. As well as apparently my intro APR purchase has seemed to have been cancelled and they are just charging me a regular amount with APR and everything this also due to no fault of mine and assurance that nothing would change on my bill. To date I have been charged over {$260.00} in interest and see no end as they are charging me twice each month I pay my principal charge.
Consumer complaint received 2024-02-23
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: Experian Information Solutions Inc. (TX)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

i tried to call and fix the problem called XXXX said they didn't have an account or pull people credit and gave me other number same thing said they had no account under my name and didn't pull peoples credit called XXXX they said file a dispute online but you can't and i show that i ask about other hard pull on my credit he said don't worry it okay it go away and hung up on me, XXXX me to be honest XXXX VIA XXXX XXXX XXXX XXXXXXXX,  Data Source/Recorder 's Office : XXXX Requested by : XXXX XXXX XXXX XXXXXXXX Requested on : XX/XX/XXXX Total Tax Amount : XXXX and i am not going to pay this amount on my taxes and i no i will be hit with it on personal taxes also want this removed NEW INQUIRY XXXX XXXX XX/XX/XXXX it very damaging to any person credit and have no clue where it come from or what it is
Consumer complaint received 2020-01-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (CA)

On XX/XX/2020, CarMax repossessed my car before the date it was due, according to what they told me on the phone, which was the XXXX. 
I was ready to pay one of my installments on Friday the XXXX. 

They asked me why my payments were late and I told them that I lost in one week, two clients that were putting food on the table. I even asked them to move one of the installments to the end of the contract, because I was going through financial hardship ( I told them this MANY times in MANY phone calls ), which would help me to get up to date and they always refused to help me, because they said that I didn't apply for that kind of help. 

However, after the car was repossessed, they offer me to defer all the fees to the end of my contract as a " one time courtesy ''. 
I asked them " Why do you want to do that now, that you repossessed my car and NOT when it could have helped me to get up to date? '' Their answer was that it would be because I'd get up to date with the payments, to which I said " I would have gotten up to date, had you allowed me to do it, when I mentioned to you that I was going through financial hardship ''. 

I dispute this abusive maneuver by CarMax. They took my only means of transportation, before the time I was told by MANY reps over the phone, without giving me ONE chance to fix this.
Consumer complaint received 2020-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (CA)

Good Afternoon, Spoke with company a year ago in regard to this debt. Informed company debt does not belong to me, company stated they would not remove debt unless XX/XX/2019 -I paid a fee - paid fee of XXXX $ debt still on credit file. XX/XX/2019 - sent debt validation letter - No response from company after 30days XX/XX/2019 - contacted company to follow up on why there wasnt a response to my debt validation letter and to follow up on why company took payment and didnt honor agreement. XXXX XXXX XXXX to Manager XXXX was told she would review call - still no mention of why company did not follow up on debt validation 30 day FCRA requirement letter. Manager - stated she would give a call back once she reviewed call after I stated Im getting CFPB involved. XXXX mid Month - XX/XX/2019 - Called back to speak to Manager, sent to voice mail no response. XXXX - Mid Month -XX/XX/2019- spoke with XXXX General Manager - assured he would look into all of the above. No response from company since then. Inaccurate, information on my credit file. No response to Validation letter. Company not responding or following up with dispute.
Consumer complaint received 2020-01-10
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. (NY)

Equifax continues to report disputed unknown collection listed as XXXX XXXX which is a collection account for XXXX XXXX. This unknown collection account was immediately deleted from XXXX  and XXXX. Collection was previously listed and properly deleted from all 3 credit bureaus when listed with a different collection company 3 months prior. Equifax continues to verify and list this unknown collection account and fails to verify the collection as requested and required by the FCRA.
Consumer complaint received 2020-01-10
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: AMERICAN EXPRESS COMPANY (CA)

My American Express Membership Awards Account has been frozen since XXXX. I contacted the customer service in XXXX after I found out my account is frozen. multiple representatives informed me that it will take up to 12 weeks to resolve the problem. 12 weeks has passed and now the representatives are saying there is no timeline when the review will be complete. I was also told that I will receive a letter from them for explanation in early XXXX but have not received no letter or phone calls.
Consumer complaint received 2020-01-10
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: WELLS FARGO & COMPANY (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.
Consumer complaint received 2020-01-10
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: CarMax, Inc. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX XX/XX/18 XXXX XXXX page 7 of 18 should not be showing on my credit report and there is a letter from XXXX XXXX attached is the letter from XXXX XXXX I have not had a copy sent from XX/XX/18 as to updated creditor been deleted/removed from my credit file.
Consumer complaint received 2022-07-23
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rent Recovery Solutions (TX)

This has been disputed numerous times. I have not received any validation of the debt that I owe. No paper work showing my signature. The dispute was sent back in XXXX so it's well past the 45 day time for the response for the validation of this debt. It has also been over the 4 years so the statue of limitations has past to collect on this debt per the state of Texas debt guidelines. I would like this removed from my credit report. I also had a XXXXXXXX XXXX XXXX 2019 I have XXXX XXXX, a XXXX  and XXXX. I am XXXX now. I do not owe this debt.
Consumer complaint received 2020-01-10
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: NAVY FEDERAL CREDIT UNION (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC. (LA)

On XXXX I was informed that my bank account was closed and a reason was not given. All the money in my account is from XXXX to pay for my mothers funeral services as of XX/XX/2020 i have XXXX in the account when i called suntrust they said if there is a balance they would send me a check. There will be a balance since i didnt get checks or a debit card yet. I think its XXXX that they can close my account for no reason at all or maybe its cuz i had 2 deposits from a charity to help pay for a funeral.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2023-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial LLC (TX)

In 2019 I had a XXXX, I paid all my bills. During that time I received a letter from insurance that they have paid almost {$3000.00} for a device and I owe {$900.00}. I contacted the insurance and my doctor. My doctor office say I dont owe any money. I didnt receive any bills from medical supplies until now that Assured Financial LLC claims that I owe {$950.00} for a device that I never received. 
I call them to resolve the issue but they told me you need to pay, we dont care we are collector we get pay by hours, why you are calling if you are not going to pay. And ignores me saying I didnt do business with XXXX XXXX XXXX and my party is my doctor which says I dont owe.
Consumer complaint received 2020-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

Since XXXX I have been attempting to qualify for Public Service Loan Forgiveness. For the past two years I have been trying to get an accurate payment account of all payments made since XXXX in order to figure out if I qualify at this point. Since being switched to FedLoan Servicing, I have no record of any of my payments from before XXXX and when I speak to their representatives they inform me that my payments have been under review since XX/XX/XXXX, which seems extremely excessive. How can they not have records of this after I have been with them so many years? 

I have reached out to my senator and received the same information from Fedloans, only my payments since XXXX. I was also forced into deferments when switching payment plans and servicers which has further delayed me in my attempts at Public Service Loan Forgiveness despite XXXX  years of service. Through those deferments, interest was calculated but any payments made would not have counted toward my Public Service Loan Forgiveness. I would like to request a Payment Count Letter of all payment made on my loan since XXXX. If the government is to contract out to these companies, these companies must be held accountable for the records and efficient processing of student information as I am not alone in this.
Consumer complaint received 2021-09-06
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

{$900.00} was stolen from my BankofAmerica Pre-paid Visa account. First, inquiry, checking if money was placed on my account. At a XXXX XXXX @ XXXX XXXX XXXX XXXX, California Then after at or around XXXX, XXXX, @ BankofAmerica @ or around XXXX, {$960.00} was taking from my pre-paid account.. 
No info if there was a card used at the atm The bank issues my money back and a new card. Within a certain time frame. A friend of mine was stolen from his account twice in 3-4months. One was in the north side of XXXX, the other on-line purchased. The person stealing from us, has to be either from one of the companies issuing or holding the money.Or a Casino I frequent. 
Somehow I found a number in my account thats not mine ( XXXX ) XXXX.almost identical to my number minus one difference. 
My email, XXXX  as yes I have a new issued card.But Ive had this same card, since.I first was issued The customer should be paid interest on their monies that was taking without their knowledge. That would reinsure, more for the effected, especially when we get penalize for late fees, and transactions from banks, and government agencies Fairness for all
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

CITI AADVANTAGE PLATINUM SELECT CARD. They had a promotional offer for XXXX miles towards XXXX XXXX for signing up for the card. I apply for the offer on XXXX and have not receive the miles yet. I apply over the phone and they told me I was eligible to get the miles. In addition, I have call them a couple times to resolve the issue and they always came up with a different excuse for not giving me the miles. 

Original Account information last 4 digits are XXXX. This account was change to current number last 4 digits XXXX.