davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I placed an online order at XXXX for a pair of XXXX Shoes in Size XXXX on XX/XX/2021 in the amount of {$120.00} using my Bank of America Debit Card linked to checking account. However, the merchant has shipped me a pair of XXXX Shoes in Size XXXX ( incorrect size ). After numerous emails, the merchant has provided me with a return shipping label, promising me to issue my refund immediately upon receipt of the incorrect item they had shipped me. I have shipped the item back using the return shipping label with XXXX tracking number XXXX. The package was received back on Monday, XX/XX/2021 by the merchant as the XXXX tracking number indicates. However, the merchant is now refusing to issue my refund. I have asked Bank of America to open a claim against the merchant, and retrieve my funds as I am no longer in possession of the item, and I have proof that the item has been returned to the merchant. Bank of America opened a claim. However, without taking into account the details I provided, they closed the case and reversed the temporary credit they had issued for me. The fund has been debited from my checking account even though I have returned the item, and Bank of America is not helping me to get my money back, and is not treating me fairly. I am asking CFPB to resolve the issue for me and retrieve my funds for this incorrect item, which I returned and Bank of America has failed to close the case in my favor despite all the evidence I have provided.
Consumer complaint received 2020-12-30
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 
Please block or remove this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-03-14
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. (GA)

Your company is reporting the below referenced account on my credit report as a collection account. 

XXXX XXXX account. {$2400.00} past due as of XX/XX/XXXX. 
Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Lease Responsibility Individual Date Opened XX/XX/XXXX Balance {$2900.00} Account Name XXXX XXXX Account Number XXXX Account Type Business LOC  Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2022-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a Kohls credit card. My account was used without my authorization, resulting in a balance owed. Prior to the unauthorized use, my account had a {$0.00} balance. The fraudulent use caused a balance to be owed. However, I was not aware the account was used without my authorization before it went more than XXXX days past due. A XXXX day late payment was reported on my credit report in XXXX, XXXX. 

Upon resolution of the fraud claim, I disputed this account with XXXX, XXXX and XXXX XXXX. Kohls reported the XXXX day late payment as accurate and kept the late payment on my credit report.
Consumer complaint received 2020-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

XX/XX/2020 At XXXX XXXX I walked into my Bank of America branch in XXXX XXXX Virginia and deposited a check for {$2200.00} before depositing this check I was not explained policies of Bank of America as far to as how long they could hold my money ... as it stands they have put a hold on my check for over two weeks and has changed the date of availability of funds three different times they changed it by email they changed it by phone conversation and none of that matches up with the receipt that they gave me when I left the bank.. they first told me that my because my account was not 30 days old that they placed a hold on it and then an email they sent me they said a hold was placed on my check because specific information indicates this item may be returned ... it's kind of ironic information because Monday I deposited a check from the same exact company and the money was available next day ... when I called Bank of America Corporate I was told by not a teller but by a manager that Bank of America have the right to hold the checks for as long as they want and that they did not have to adhere to Federal Regulations whatsoever in fact they've never even heard of federal regulations not even regulation CC ... I implore you to investigate this for me please because it seems like an extravagant amount of time to clear my money especially during this National crisis that we are facing ... 
XXXX XXXX
Consumer complaint received 2022-03-24
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)

Dear Sir or Madam : I am a victim of identity theft. Due to Identity Theft, Fradulent Accounts, Fradulent Collections and Fradulent Inquiries are on my credit report. 

I sent the following documents to EQUIFAX, XXXX and XXXX : Police Report, XXXX  Complaint file and number, Notatrized XXXX XXXX  form, XXXX Letter addressing which fradulent accounts and Fradulent inquiries must be removed, copy of my credit report, XXXX forms of identity, proof of address and a Copy of the XXXX Section 605B! 

I have submitted documents to XXXX. here is the tracking number XXXX I have submitted Documents to Equifax. here is the tracking number XXXX i have submitted documents to XXXX here is the tracking number XXXX The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX Collection : XXXX ( ORIGINAL CREDITOR : XXXX XXXX  ) Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX BANK XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Collection : XXXX  XXXX Original Creditor : XXXX XXXX XXXX ACCOUNT : XXXX XXXX : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, TD XXXX FIN XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX EQUIFAX ACCOUNT : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, IN XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2020-12-30
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX to Please block, remove or delete this information pursuant to section FCRA 611. XXXX  is the reason why this has happened!
Consumer complaint received 2020-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (LA)

for over 6 months now I have been trying to pay my american express card. I have been making payments with auto payment for many years now. I have cancelled the account and have a payment plan. I have been trying to make overpayment on this card but everytime the payment is not allocated as overpayment to reduce the credit card interest or principal. the overpayment is than deduted fro my monthly payment making impossible to make a overpaymet on the account. 
After dcontacting american express on the matter they told me I will have to make overpayimnets over the phine and the awating time is about 1 1/2 hours. I have been told before that I would be able to make online payments after the due date or make ovrpayments that is still deductiing out of my minimum balance. 

Problem- Unable to make overpayment before the due date or after without american express forcing me to maintain the same minimum payment on account.
Consumer complaint received 2022-03-24
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. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/XXXX with follow ups disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attached and help to resolve this matter soon as possible.
Consumer complaint received 2022-03-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (MA)

XXXX Called and was placed on hold for XXXX hours then and left message regarding monthly payments that are starting XX/XX/XXXX that I can not pay. 

XXXX filed complaint with Massachusetts attorney general, have not heard back XXXX called XXXX XXXX XXXX for XXXX XXXX and gave financial statement, my co-signers have tried to call to give their financial statement multiple times and they keep being sent to the person I talked to XXXX.
Consumer complaint received 2021-03-19
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: LoanCare, LLC (NM)

Had a big problem with XXXX XXXX getting my payments to XXXX via Loancare during XXXX, but when my husband and I were going to refinance our newly built home, the finance company told us our credit rating had gone from XXXX to XXXX all because of late payment reporting by Loancare . The finance company told me that we had been late a few times in XXXX and had not paid the XXXX and XXXX payment in XXXX. I have proof which I will attach later that ALL payments were made on time to XXXX XXXX XXXX, in XXXX, NM but in XXXX there was two months that XXXX XXXX did not pay the payment to Loancare because they were buying out XXXX XXXX and XXXX XXXX did not pay the payments even though they had received the money.. Then The payments were sent to Loancare with the wrong account number a number of times and then in XXXX and XXXX of XXXX they sent the payments to XXXX in XXXX ( and they can not tell me why that happened ) Payments have been supposed to go to Loancare in CA all along. I dealt with XXXX XXXX for XXXX ( she was with XXXX XXXX and continued on with XXXX Escrow when they took over ) I had other problems with the Escrow company because they did not send me the distribution of money that I was supposed to get but finally gave up on that. Out credit rating is much more important. I want to pay off Loancare ( I have the money ) and get rid of my headache with them and the Escrow Company but need to clear up my credit first. If you check you will see that we have NEVER been below XXXX on our rating and pay all our bills on time or ahead of time. Can not even reach XXXX now and am talking with someone that is supposed to be a manager named XXXX at XXXX XXXX. I have even more emails and such if you need them. We have a gentleman by the name of XXXX XXXX XXXX XXXX that signed a Real Estate contract with us in XX/XX/XXXX to buy the house and the XXXX XXXX company ( Then ) would get their payment, send the payment to XXXX/Loancare and send us he difference. I have proof that XXXX has NEVER missed a payment and is ALWAYS on time. It is the Escrow company in XXXX that started to XXXX things up. In XXXX I was assured that they would never report any bad credit to the credit bureau when I found out what was happening. I just want our credit rating restored since we have NEVER been late on anything. Over the years I have made numerous calls to Loancare to explain what was happening but also had a hard time getting to a human person. Hours on the phone each time trying to get to a live person. The Escrow company as of yesterday had not even paid the two payments that they sent to XXXX in error according to LoanCare.
Consumer complaint received 2020-03-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This debt does not belong to me. Its an ongoing issue with fraudulent accounts appearing in my credit report. First it was XXXX, however now its trans-union. This account is from XXXX XXXX. I have intentionally refrained from using credit as I am a XXXX  veteran.
Consumer complaint received 2024-04-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

I noticed this charge first in XX/XX/XXXX with a debe collector XXXX XXXX XXXX using the XXXX XXXX XXXX XXXX. It was an alert notification showing I had an account in collections for XXXX. I filed Police Report number XXXX in XX/XX/XXXX. I also put a freeze on my credit. It was removed and found out to be Identity Theft. On XX/XX/XXXX I noticed on the XXXX XXXX XXXX XXXX the debt collector Jefferson Capital Sys is trying to collect again the deft for XXXX in the amount of {$2300.00}. The issue looks like it's not resolved with XXXX and they are still trying to collect this fradulent debt which is Identity Theft. I filed another police report XXXX with XXXX XXXX XXXX XXXX XXXX for Jefferson Capital. The XXXX XXXX XXXX phone number is XXXX. XXXX XXXX from XXXX a part of XXXX was helping me also her phone number is XXXX x XXXX. XXXX said it looks like account was opened under a fake XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never lived in XXXX. I am unable to get information from XXXX about the account because they merged with XXXX. Since the account is closed they keep on telling me they have to tranfer me to XXXX side and then XXXX said they have to transfer me to the XXXX side. Neither party can bring up the account so I can get information on it and then I get hung up on. I sent a dispute to XXXX, XXXX and XXXX and they said the conclusion of the investigation is the account is Accurate and Verified. I don't know what to do at this point and I need help.
Consumer complaint received 2022-12-31
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: EQUIFAX, INC. (FL)

Account Name XXXX XXXX XXXX XXXX  Date Opened : XX/XX/2016 Amount : {$0.00} Account Type : Charge Off, Deposit Related This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2021-03-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (VA)

On XXXX I sold my home which was financed through the service Shellpoint. They charged me over {$8000.00} for a prepayment penalty. After reviewing the provisions of Dodd Frank, XXXX the maximum you can be charged for a prepayment penalty is 2 percent of the principal for a mortgage two years old which is the amount of my mortgage. However, this was a higher cost mortgage and I was not offered another product by the mortgage broker during the time the loan was offered to me. My understanding is that Dodd Frank states in those situations a prepayment penalty can not be charged. The principal of the loan was {$180000.00} at closing. I had to sign the closing document under duress because I was not provided time to contest this prepayment penaltynor I would have lost the sale. The company has given me the runaround and the mortgage broker has done the same thing.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

CFPB Office of Administrative Adjudication. 
Docket number : XXXX Filed : XX/XX/XXXX Pertaining to the above even though the Bureau found that between XX/XX/XXXX and XX/XX/XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete this company is still violating the FCRA in XXXX. On XX/XX/XXXX I made my car payments using Automatics Payment the only method of payment open to me In the amount of {$500.00} for my XX/XX/XXXX payment. On XX/XX/XXXX I received an automated call from XXXX XXXX to collect a debt. Because of this I placed a call to XXXX to inquire why I would be receiving a phone call when I had in fact paid my scheduled car payment. On the XXXX day after my scheduled auto payment I was notified that my payment was not received through the automated system. This is the second time that this has happened and the results have caused a credit drop of XXXX points I immediately notified the representative that this is unacceptable. XXXX failed to put into place reasonable means of payment methods for their clients and instead furnished late payments to the ( XXXX ) credit bureaus without even an alert as initially promised at the time of electing the auto pay method. I received no alert of a missed payment due to their auto payment error in almost 18 days after the payment was due! Further, I filed a complaint to XXXX and requested a response within a timely manner. Furthermore, after realizing the error I expeditiously made the payment but I have no faith in the payment methods that are available to me as a client. XXXX has now responded and notified me that they only accept payments through their automated system even though it may be experiencing issues. I request the assistance of the consumer Financial Protection Board with my dispute to remove the inaccurate information being reported against me by XXXX and that it is causing extreme hardship to some one with once impeccable credit and brilliant payment history. In the face of future occurrences with XXXX 's inability to provide other means of payment methods there will always be this issue and the auto finance seeking public should be aware that doing business with XXXX will dramatically ruin your credit.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

I was XXXX XXXX and had a XXXX XXXX card that was on my credit through them and then a third party collection agency called TSI. The balance for the XXXX XXXX account was taken from the IRS and I also even paid the debt agency the fee that they said they charged for the debt in full. I know it may still be on my report but it's stating from the XXXX  card that it was never paid and it was paid XXXX XX/XX/2024. The agency was paid the remaining balance on the XXXX. I pulled my report and I am still seeing this reflected on my credit and I am in the process of buying a home and I do have receipts. I want this balance updated.