davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (MA)

I got an alert from XXXX on XXXX XXXX XXXX that a new collection account was added to my credit report. The collection account was called SEQUIUM ASSET SOLUTIONS LLC for the account of {$330.00}. The original creditor was XXXX XXXX. When I called the collection company they told me that the account had a New York address attached to it. I then called XXXX XXXX and told them what had occurred and they sent me an ID Theft Information Form.
Consumer complaint received 2024-04-11
Product: Credit card — Store credit 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: CITIBANK, N.A. (MN)

On XX/XX/24 I purchased a mattress from Macy 's XXXX XXXX using my credit card. I was to be using the XXXX  month interest free payment plan. I had never received a billing notice for this purchase but made a payment in XXXX anyway. 

On XX/XX/24, {$2900.00} was automatically taken out of my checking account to pay this in full. Now I am overdrawn and very concerned about my credit rating. 

Today XX/XX/24 is the first time I noticed this as I went into my bank app and saw that I was overdrawn. I called Macy 's and spoke to " XXXX '' XXXX ID XXXX. I had to give him my checking account number and routing number. 

XXXX logged this information and sent it to his " dispute '' department and said that they will reimburse me in XXXX billing cycles. This means they won't reimburse for XXXX days! 
Meanwhile, I am overdrawn. 

I called the " dispute '' XXXX and left a message. They are only open from XXXX central time XXXX.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

According to the IRS unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099C ( Cancelation of date ) from the following charge off accounts listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This account can not be reported as a charge off onto my credit report, if the account was sold to another lender. Please send me the 1099C form.
Consumer complaint received 2024-04-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sunlight Financial LLC (VA)

In XXXX of 2020 we signed up for solar panels thru XXXX XXXX. They told us that the panels would produce 60 % of the energy that was needed and we wouldnt have a light bill greater than XXXX $ a month since they have been installed they have not worked the way we were told that it should and the system has been tore up the majority of the time. The system caused a roof leak on our home that we had to file with our insurance company. Since then XXXX  has filed for bankruptcy. Then a company called XXXX XXXX took over and they also went bankrupt. Now we are dealing with sunlight financial. I called them in XXXX and informed them the system still was not performing adequately and I have not heard from them since they have yet to come and look at the system. Our light bills are over XXXX a month and the solar panels are just as much and I cant keep paying for a system that doesnt work as promised. And also now that the company has filed bankruptcy its up to us to pay to have the system fixed. But to my understanding the equipment is still under warranty.
Consumer complaint received 2021-01-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Bank of America advertised a bonus on a new credit card, co-branded with XXXX XXXX that promised a {$200.00} cash bonus after charging {$2000.00} in first three months. I met the spending threshold around XXXX XXXX. I have communicated with B of A repeatedly and been told repeated different stories but almost all of them promised I would get the money. It hasn't shown up, and lately I can't even get a response from B of A to either phone calls or emails. Help, please. The card number is XXXX XXXX XXXX XXXX. I will attach the screen shots offering the promotion from dates both before and after I opened my account.
Consumer complaint received 2021-01-15
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: U.S. BANCORP (IA)

I contacted US bank as they are not reporting I made a payment on card ending in XXXX in XXXX of 2020 to XXXX and XXXX They told me to send a letter, which I did. They sent a letter back saying they investigated and everything is accurate. They included a phone number in the letter to call, and when I call they say they can't do anything about it.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

Due to Covid 19 we are experiencing financial hardship. We own a XXXX. After 2 hours on hold we requested a lower APR to help us, they declined ANY lowering. They also were incredibly insensitive to the fact that the world is going through such a hard time. We were not asking for much, just a lower APR, they refused. Every other bank/cc has been able to lower or some making it 0 % at this time. There are many complaints on social media about their practices.
Consumer complaint received 2024-04-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MRS BPO, LLC (LA)

I made a settlement agreement with MRS BPO , LLC for XXXX XXXX XXXX, for XXXX to pay of the debt, I made XXXX payments on the account, from my bank, when MRS BPO , LLC contacted to continue to settle the debt, they would not honor the payments I had made previously to the account but in return wanted another XXXX dollars to settle the debt, I explained to the representative that the payments I made should be applied to the balance and subtracted, the representative replied that the payments that I made was now void toward the payoff of the settlement!!
Consumer complaint received 2023-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Academy Mortgage Corporation (CO)

In the mail today, XX/XX/XXXX, I received Notice of Servicing Transfer indicating that my mortgage loan account has been transferred to another company effective XXXX XXXX. This letter is the first I'm hearing of this transfer, and I obviously was not given " at least 15 days before the effective date of transfer, '' as required. I am very concerned that my payment to the new mortgage company will not arrive in time. Additionally, I had already scheduled the payment to my current mortgage company for XXXX XXXX, and their website is not allowing me to cancel this scheduled payment. I tried calling my current mortgage company and was forced to leave a voicemail after waiting 7 minutes for someone to pick up the call.
Consumer complaint received 2020-03-11
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 (DC)

Bank of America closed my credit card account claiming, " past delinquency on one or more of your accounts with us and/or our affiliates ''. I was, in fact, delinquent on this account in XXXX and XX/XX/2020. I made small purchases in XXXX and, as with all of my other credit card accounts, I expected to receive my statement in the mail. I did not. I did not receive a paper statement and I did not receive an electronic statement. I did not receive any communication from them at all to let me know that my account was delinquent until after my account was delinquent over 30 days. Once the account was delinquent over 30 days, I received communications from them letting me know I was delinquent with my payment. Then, they closed my account and sent me an email letting me know that they closed it and that I would receive a letter in the mail. I called their " 800 '' number and spoke to someone who was incompetent and not able to assist me. A few days later, a letter from Bank of America somehow mysteriously showed up in my mailbox. For reasons unknown they did not mail my statements to me for two months, but they were able to mail the letter with their bogus explanation of why those closed my account. Now my credit score will take a huge hit because of their irresponsible behavior.
Consumer complaint received 2023-01-23
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. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX 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 Sectio 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 

Shown proof by XXXX in early XXXX & myself man of time, still on report as active. Acct paid in full XX/XX/22
Consumer complaint received 2023-01-23
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: AXOS FINANCIAL, INC. (SD)

I received a paper copy of an annual statement from Axos Bank, who holds a XXXX IRA Account for me. They charge at {$10.00} fee for a paper statement, which was dramatically more than the interest that was credited to my account. I never saw a fee schedule or received notice that I would be charged a paper statement fee. I also never received information about how to sign up for an online account to avoid this fee. I called to request the IRA be closed and the funds to be returned to me in the form of a check. I was told to go to XXXX and register that they were an online bank and could not accommodate my request over the phone. Several hours later, I received an email saying my request to access my information online was declined. Then, I called back to Customer Service and was told I had to register online again which did not work the first time. When I explained I had tried that they told me to send an email with the issue to their team. Having already tried to do what they asked, I asked to speak to a supervisor and was told it would be a day or XXXX before someone could call me back because the supervisors were all busy. I told the agent I would be filing a complaint. They are restricting access to my funds, charging fees that were not properly disclosed to me, and making it impossible for me to get my funds back so they can keep charging me fees. This is the site : XXXX XXXX XXXX
Consumer complaint received 2021-01-15
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 (IN)

Lexis Nexis is reporting inaccurate public record information and have failed to comply with 1681 ( i ) and are in violation of the FCRA I have opened now 2 disputes to delete public information that has several inaccuracies and they have failed to comply. This is an infringement upon my privacy and they must report 100 % accurate information Im providing documentation that they obtained from the Court that does not match what Lexis nexis is reporting.
Consumer complaint received 2021-01-15
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: Experian Information Solutions Inc. (NM)

The XXXX XXXX XXXX XXXX reported that I owed money and sold the alleged debt to XXXX XXXX XXXX XXXX. I have been disputing XXXX XXXX XXXX XXXX since XXXX with Experian. So, The XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are negatively impacting my Experian credit report. 

I do not owe either company. The XXXX XXXX XXXX XXXX admitted to mistakes made on my account and did not correct the mistakes, collected insurance on the account and also collected more money when the account was sold. Basically, The XXXX XXXX XXXX XXXX engineered a debt and recouped losses more than once for the same debt and is still reporting negatively in one section of my Experian Credit Report. 

XXXX XXXX XXXX XXXX is trying to collect on the engineered debt that was purchased from The XXXX XXXX XXXX XXXX. 

I have requested from Experian the source of the investigations. How has Experian been conducting the investigations? I have requested copies of the investigations and requested the source of the investigations. I have not received. 

I have written in to add my personal statement- on several occasions. My personal statement has never been added to the Experian Credit Report. 

I have written in to Experian and XXXX XXXX XXXX XXXX and informed both companies this is not my debt and most importantly I am not affected by any natural disaster or the current pandemic. I simply do not owe this engineered debt. 

I last wrote both companies in XX/XX/XXXX. NO RESPONSE from the XXXX XXXX XXXX I received an email from Experian to check my credit report. There was no reference to my request for investigation results, investigation sources, copy of investigation report and no addition of my personal statement. 

What had changed in my credit report was You Have 1 New Late Payment : This item was updated from our processing of your dispute in XX/XX/XXXX. There was no reference to my request for investigation results, investigation sources, copy of investigation report and no addition of my personal statement - I do not believe my requests were for a new investigation. I was requesting information on what was already done and how the investigation was done, I also wanted my personal statement added. However it seems -Anything sent in to Experian is processed as a new dispute.
Consumer complaint received 2020-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I had an opened account with XXXX/Walmart around XXXX of 2019 about a month or two Capital one had became the new owner of my account and they closed my Walmart credit account. I feel like they closed my account based off the old account that I had with their company because I was originally approved by XXXX/Walmart. I stopped paying on it because I feel that I was discriminated on by capital one because of my past relationship with capital one company. I paid this old Capital one account off and they are still mistreating me when they buy other companies.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUNCOAST CREDIT UNION (KY)

Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX above this account is listed but as XXXX different accounts it's all showing in correct information that does not belong to me. I've tried getting this removed before. 

it's showing across all three pass due on a " collection '' Date Last Payment : XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX High Credit : XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX Inaccurate XXXX These above is showing the high balance is higher than the original balance of the account that was opened. 

Last Reported : XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX XX/XX/XXXX Inaccurate XXXX ALL OF THIS INFORMATION IS INCORRECT & NEEDS TO BE REMOVED.
Consumer complaint received 2021-01-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (CO)

I applied for a credit card and found out that there is a trade line on my credit report for NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX. This is not my account. I have never had an apartment with XXXX XXXX. I reached out to the creditor and the collection company. I found out that not only do they have incorrect information, they also have the wrong SSN # on the signed contract. I have sent them over a copy of my correct SSN, a copy of the police report, a copy of my lease of the place I was living at the time of this crime, a copy of my ID and multiple letters advising them that this is not my account and I am a victim of ID theft.
Consumer complaint received 2021-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

For the past year I have had charges on my Capital One Visa card from XXXX. I have disputed the charge every month. At one point a customer service rep with Capital One tried to block the fraudulent charges from XXXX, but every time I am issued a new card number ( due to the fraud claim ), XXXX is able is able to pull the same {$44.00} via the Visa card agreement. Capital One said they have no way to stop this because my card number automatically changes with every fraud dispute, and there's no charge to block until another charge happens. The agreement that Visa and merchants have is robbery. How are they even allowed to continuously charge people who never entered into a contractual agreement even after filing multiple disputes. How do we stop this?
Consumer complaint received 2020-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX  and XXXX are furnishing data from XXXX XXXX for a bankruptcy and the courts have stated they did not provide this information to any of these entities.
Consumer complaint received 2023-05-17
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. (KY)

XXXX XXXX  raised our monthly payment in XX/XX/2023 after our yearly taxes went up on the home from {$2100.00} to {$2200.00}. XXXX XXXX did not notify us of the payment increase until XXXX XXXX. I autopay our mortgage payment through my bank on the XXXX of the month and was paying the {$2100.00} because I was unaware of the increase, XXXX XXXX turned us into the XXXX credit agencies for non payment in XXXX which is incorrect. This action has caused harm to my credit and I am unable to co-sign for my son 's XXXX XXXX loan for his school. I would like the record corrected, the delinquency removed and for XXXX XXXX to stop incorrectly reporting. I have reached out to the XXXX bureaus and they said they only report what they are given from XXXX XXXX  My wife and I have spoken to XXXX XXXX XXXX times and they are claiming they notified us of the monthly payment increase in XX/XX/XXXX ' but that is incorrect. They are pointing the finger and we are the damaged parties. I requested that this issue be escalated to a second level supervisor at XXXX XXXX that reports out the credit file information and was denied. This has caused irreparable harm to our credit file. We have never been late nor neglected our payments to XXXX XXXX
Consumer complaint received 2020-03-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc. (LA)

On XX/XX/2020, I made an internet payment on my Conn 's Home Plus credit account using my debit card in the amount of {$1500.00} which was indicated to be the payoff. I received an email with a confirmation number of XXXX indicating that the payment had been received and would be applied to my account. The payment is listed on their website and I have the email however it has not been applied to my account which has continued to accrue interest and now late charges. I have contacted their customer service on four different occasions and have been contacted by their collection team once since that date. Each time the representative can't explain why a payment that is on file has not been applied to my account and claim to have escalated it to their accounting team. While kind, I don't believe that they are seeking to clarify the issue and correct it for me. I am concerned about the possibility of this affecting my credit score if reported as late when the account should be paid in full.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXX, M XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.