davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bristol Point Financial, Inc. (CA)

bristol point financial inc XXXX I called XXXX to tell him I was a victim of identity theft and I had a police report XXXX told me I was a criminal and that if I filed a police report it would be another crime that I have commited that usual criminal such as myself don't go on to file a police report I then ask him what the XXXX he was talking about he start getting very rude and then nice I told him that I was very upset with him about the comments he made and that he can not collect because the time frame was up and that he was braking the law its was 4 years he made up so law and start not making sense I told him I want this account removed he said send my a police report so I can put you in jail he was worried I would report him for calling my family members and said he did not call my family member XXXX just kept calling me a criminal and was not listen to a word I was saying
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX
Consumer complaint received 2022-10-30
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (KY)

My wife lost her job during Covid and I asked for the Covid forbearance option. I have now filed bankruptcy and have tried numerous times to have my mortgage company amend or change any terms to continue to own my home, but they have now sold my loan multiple times and no one will respond. They are asking for me to pay the entire forbearance amount, with interest, all at once.
Consumer complaint received 2020-08-11
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: I.C. System, Inc. (FL)

I am a victim of identity theft due to an XXXXXXXX XXXXt breech. XXXX   XXXX services and XXXX XXXX services continue to report these fruadulent accounts for monetary gains. They have been sent all the information needed including identy theft report, ID VERIFICATION, POLICE REPORT AND FRAUDULENT ACCOUNT information to permanently block these identity theft accounts from my credit according to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (PA)

I was recently notified by my credit card company that my credit score had dropped. When I reviewed my XXXX credit report I saw that I had a new account in collections with I C System and the amount of the debt was {$140.00}. I do not know what this debt is for and I never received any notification from I C System regarding the debt or the collection. I have also disputed this debt with XXXX. I do not who I C System is or how to contact them regarding this alleged debt.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

In XXXX, I purchased a couch from a XXXX XXXX store in the XXXX XXXX XXXX CA XXXX Mall for approximately {$1800.00}. There was a year financing program being offered at the time, of which I took advantage. When I got my first ( and only ) paper statement, I divided the purchase price by twelve and set up automatic bill pay in order to pay off the balance in full prior to the expiration of the promotional period. The payments were setup so that Comenity Bank received them on the XXXX of every month. According to the Bank, I was assessed a {$27.00} late fee because the payment scheduled in XXXX of last year was not processed until the XXXX because of XXXX XXXX. I was not advised of this fact at the time because I never received another paper bill. Supposedly, the Bank was sending e-mails which directed me to sign into their web site to see my bill. I never signed up for paperless billing and I dont do paperless billing with any of my accounts. ( Im old school I want a paper record for every financial transaction. ) I only learned of this outstanding balance in XXXX of this year when the Bank began calling and finally sent a paper statement. At the time of their first call, the Bank insisted that I owed them {$54.00} ( and growing ) due to the unpaid {$27.00} plus interest. I offered to compromise and pay the {$27.00} late fee from XXXX of XXXX. The Bank declined. 

After spending several days taking this matter up the Banks hierarchy to no avail, I was told I had to pay the full balance which had now doubled while I was trying to resolve the dispute. I filed a complaint with the XXXX XXXX XXXX of Central Ohio against Comenity Bank. At that time I discovered that the Bank had received four ratings from its hometown XXXX - three Fs and one C. On XX/XX/XXXX, the Bank responded to my complaint by repeating that the charges are valid and increasing my balance to {$330.00}. As of XX/XX/XXXX, that amount had increased to {$560.00}. So since this dispute began I have been assessed over {$500.00} of interest and fees on top of the original {$27.00} late fee. And, as a result, of this dispute, my credit score has dropped over 100 points. This is unconscionable, particularly in the middle of a pandemic. 

I have repeatedly offered to go to small claims court to settle this dispute. The Bank has ignored this request and simply keeps sending monthly statements charging me more fees and interest. I have filed complaints with the XXXX in both XXXX, Ohio ( bank headquarters ) and XXXX County ( where I purchased the couch ). I have filed a complaint with the California Attorney General 's Office. And, I have even had XXXX XXXX XXXX in XXXX XXXX intercede on my behalf. When do I get to have a neutral arbitrator resolve this insane dispute? I want my credit repaired but, I will not be extorted by a crooked bank.
Consumer complaint received 2020-08-11
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 a victim of identity theft due to an XXXX credit breech. XXXX   credit services and transunion credit services continue to report these fruadulent accounts for monetary gains. They have been sent all the information needed including identy theft report, ID VERIFICATION, POLICE REPORT AND FRAUDULENT ACCOUNT information to permanently block these identity theft accounts from my credit according to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I WANTED TO OPEN CREDIT CARD IN XX/XX/XXXX, BUT, BECAUSE I DIDN'T HAVE A SOCIAL SECURITY NUMBER YET, THE BANK OF AMERICA COULD ONLY OPEN A SECURED CREDIT CARD FOR ME IN THEIR XXXX XXXX XXXX XXXX NEW JERSEY BRANCH IN XX/XX/XXXX, I DEPOSITED {$1000.00}, THEREAFTER MADE ADDITIONAL TRANSFERS TO THE SECURED CREDIT CARD ACCOUNT. 

I DECIDED TO CLOSE THE ACCOUNT AND CALLED THE BANK TO DO SO, I WAS TOLD THEY'D DEDUCT THE CURRENT BALANCE OF {$75.00} AND SEND ME THE REST OF MY SECURITY DEPOSIT. 

ACCOUNT WAS CLOSED ON XX/XX/XXXX. 

BECAUSE I HAD LEFT THE NEW JERSEY ADDRESS ON FILE, I REQUESTED A CHANGE OF ADDRESS AND WAS REASSURED THAT WAS DONE AND THAT I WOULD RECEIVE MY CHECK IN THE MAIL WITHIN 21 BUSINESS DAYS. 

AT THE EXPIRATION OF THE GIVEN DAY, I CALLED THE CUSTOMER CARE AND I HAVE CALLED THE CUSTOMER CARE SERVICE AS MUCH AS 10 TIMES AFTER THEN, I EVEN CONTACTED THEM VIA TWITTER TO NO AVAIL. 

THE BALANCE STARTED ACCRUING INTERESTS WHICH THEY MADE ME PAY TODAY XXXX XX/XX/XXXX. 
NOTE THAT THE INTERESTS ACCRUED IS NOT MY FAULT SINCE I ALREADY REQUESTED ACCOUNT CLOSURE, BUT, FOR THE SAKE OF GETTING MY MONEY I DECIDED TO PAY ANYWAY. 

TODAY, XXXX OF XX/XX/XXXX, HAVING WAITED MORE THAN 3 MONTHS TO RECEIVE MY SECURITY DEPOSIT, I WENT INTO THE PHYSICAL BANKING XXXX XXXX BANK OF AMERICA, AFTER SEVERAL CALLS BACK AND FORTH, WITH AN EMPLOYEE EVEN SAYING THEY NEVER HEARD OF ANYTHING CALLED A SECURED CREDIT CARD, I WAS TOLD THE BANK DOESN'T HAVE MY MONEY. THAT I WAS THE ONE WHO OWED THE BANK. 

I WAS TOLD IT WAS NEVER A SECURED CREDIT CARD BUT A REGULAR ONE AND THAT I NEVER MADE A SECURITY DEPOSIT, WHICH ULTIMATELY MEANS BANK OF AMERICA IS TRYING TO DEFRAUD ME OF MY {$1000.00} AND TO KEEP MY MONEY. 

I HAVE PAID ALL BALANCES DUE AND BANK OF AMERICA OWES ME {$1000.00} WHICH SHOULD ALSO START ACCRUING INTERESTS UNTIL THE DAY THEY PAY ME BACK THE FULL SUM. 

I HAD A CHECKING ACCOUNT WITH BANK OF AMERICA WHICH I ALSO CLOSED, IT WAS FROM THIS ACCOUNT I MADE ALL PAYMENTS DUE ON THE SECURED CREDIT CARD ACCOUNT. 

TO FUND THE BANK OF AMERICA ACCOUNT, I TRANSFERRED MONEY FROM MY XXXX   ACCOUNT VIA XXXX. SINCE THE BANK CLOSED MY CHECKING ACCOUNT, I NO LONGER HAVE ACCESS TO STATEMENTS. HOWEVER, I HAVE ATTACHED STATEMENTS FROM MY XXXX ACCOUNT. 

BANK OF AMERICA SHOULD STOP DENYING ME OF MY HARD EARNED FUNDS AND DO THE NEEDFUL IMMEDIATELY.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK (GA)

I used a promo code when opening this account and should have received a {$150.00} bonus. I was informed by this bank today via telephone I would not receive the bonus. I had no choice to contact the bank by phone because they were ignoring my secure messages in the online portal. Please review the following correspondence with this bank in which I was told I would receive the bonus by the end of XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX   EST Good morning, it is now the end of XXXX. Please tell me when I will receive my new account bonus. Thank you. 
XXXX XX/XX/XXXX XXXX XXXX EST Ok, thank you! 
Customer Service XX/XX/XXXX XXXX XXXX  EST XXXX XXXX, We show that you opened your account on XX/XX/XXXX. The promotion on your account will take effect after 3 months if there has been no overdrafts on the account. You are currently on track to receive these benefits at the end of XXXX. 

Please reply to this message if there is anything else we can help you with. You may also call Customer Service at XXXX, Monday Friday, XXXX XXXX and Saturday XXXX -XXXX  Eastern time, or visit a financial center near you, which can be located at XXXX XXXX XXXX. 

Thank you for your message and we hope you have a great day, XXXX XXXX. 
Customer Solutions XXXX XX/XX/XXXX XXXX XXXX EST {$150.00} for new accounts after a direct deposit, thank you Customer Service XX/XX/XXXX XXXX XXXX  EST XXXX XXXX, We would love to inform you about when your bonus will be implemented in your account. However, I will need to know what the promotion was to be able to credit the account. If you will please respond with the promotion we will be able to properly credit your account. 

Please reply to this message if there is anything else we can help you with. You may also call Customer Service at XXXX, Monday Friday, XXXX XXXX and Saturday XXXX -XXXX  Eastern time, or visit a financial center near you, which can be located at XXXX XXXX XXXX. 

Thank you for your message and we hope you have a great day, XXXX XXXX. 
Customer Solutions XXXX XX/XX/XXXX XXXX XXXX EST Hello, Please send tell me when I will receive my account bonus. 
Thank you
Consumer complaint received 2020-06-17
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$1100.00} XXXX XXXX {$1300.00} USDEDPED XXXX {$9200.00} XXXX XXXX   XXXX XXXX {$4000.00} USDEDPED XXXX {$3500.00} XXXX XXXX {$0.00} XXXX XXXX {$2000.00}
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (FL)

My credit card company Avant initially charged me an incorrect finance fee, under Law 15USC 1666B those fees were deemed incorrect and I disputed these charges and requested a fee reversal. These fees were refunded as shown on my attached statement. In addition, the company subsequently charged me a LATE FEE of 39.99 which too was deemed incorrect and refunded on my attached statement. This issue however is not completed and is showing up INCORRECTLY on my XXXX and XXXX credit reports. Please note that the statement that my XX/XX/2023 statement was never delivered which also violates 15USC 1666B which states the statement was to be delivered to the consumer not later than 21 days before the date specified in the statement by which the payment must be made in order to avoid the imposition of that finance charge.
Consumer complaint received 2020-08-11
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. (FL)

On XX/XX/18 I received notification that my credit score had dropped. I  reviewed my report and noticed a collections account was added from XXXX funding. I disputed the account through Transunion asking for verification of charges. Transunion is showing the result of the investigation as meets FCRA requirements. What I specifically requested in the dispute is not addressed in the response. From what I researched online, XXXX is a third party collection agency.
Consumer complaint received 2020-06-17
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. (FL)

Hello, My name is " XXXX XXXX ". I have been trying to report inaccurate items in my credit report over past year and more often recently. However, none of my request are fulfilled. 
**Hard inquiries** XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX This charge off account is not mine, Please delete it!! 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX I have never receive any credit from this company, provide me full document or delete it!!! 
XXXX XXXX XXXX XXXX : XX/XX/XXXX. XXXX, XXXX This charge off account is unauthorized and date furnisher provided has violated Metro 2 reporting compliance by not reporting dispute status and incorrect and inconsistent Account Number. Provide me full document. I demand report of full reinvestigation procedure in the regulation time frame of 30 days. 
_XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX THIS ISN'T MINE, DELETE IT!!! 
_XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING dispute status. 
XXXXXXXX XXXX ONLY Inquiry : XXXX. XXXX, XXXX This account is mine, DELETE IT!! 1 _XXXX  Inquiry : XXXX XXXX, XXXX THIS CHARGE OFF ACCOUNT IS NOT MINE, PLEASE DELETE IT!!! 
_XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, delete it!!! 
XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX I have never worked with this company, this account are inaccurate, delete it!!! 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not belong to be, i never receipt any credit from this company, DELETE IT!!! 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, delete it!!! 
_XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, There are several account like this in my credit report. The credit bureau might intentionally put them in my report. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX This charge off account is not mine, provide me full documentation proofs that i am wrong or delete immediately!!! 
_XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX This account is not mine, DELETE IT!!! 
**Collection** _XXXX XXXX XXXX Reported XXXX XX/XX/XXXX I never received any loans or credit from this company. DELETE IT!!! 
XXXX XXXX XXXX XXXX : XX/XX/XXXX I never received any loans or credit from this company. Delete it or provide me full information and proofs that you has follow all the FCRA laws. 
_XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX THIS ISN'T MINE. DELETE IT!!!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2020-06-17
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)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX   XXXX {$610.00} XXXX XXXX {$14000.00} XXXX  XXXX {$23000.00} XXXX XXXX {$960.00}
Consumer complaint received 2020-06-17
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)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. FSTPREMIER XXXX {$610.00} XXXX XXXX {$14000.00} XXXX XXXX {$23000.00} XXXX XXXX {$960.00}
Consumer complaint received 2023-05-25
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)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-08-11
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)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.EDFINANCIAL XXXX {$2700.00} XXXX {$2700.00} XXXX   XXXX {$2000.00} XXXX XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$12000.00} XXXX XXXX {$1400.00} XXXX {$260.00} XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$5000.00} XXXX   XXXX {$4000.00} XXXX XXXX {$5500.00} XXXX   XXXX {$4000.00} XXXX   XXXX {$5500.00}