davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-25
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 (IL)

I had a Merrill Lynch credit card issued by Bank of America closed without my knowledge in XX/XX/XXXX. This card was first opened on XX/XX/XXXX. At the time there was a bonus offered after a certain spend requirement was met. I reached that spend and was awarded over XXXX points plus the amount spent which was another {$3500.00} i believe. 
On XX/XX/XXXX i was looking to book travel with these points only to find out the card was closed and all points earned were gone without my knowledge again. 
I immediately called Bank of America and spoke to XXXX who told me the account was closed due to inactivity. I told him i was never made aware they were going to close my account. I told him, Why would i let Bank of America close my account without using my points. 
He told me a letter was sent out on XX/XX/XXXX informing me to use the card or it would be closed. I never received this letter and had no knowledge this was happening. Again, i would have used these points if this was the case or put a charge on the card. 
I would like help in this matter.
Consumer complaint received 2017-07-19
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, I sent, by XXXX, two money orders ( {$980.00} and {$1000.00} ) to Capital One Bank to deposit into my account. These money orders were received and depsoited into my account onXX/XX/XXXX. OnXX/XX/XXXX, the two money order deposits were reversed by Capital One. I called them and was told by a manager by the name of XXXX that the Federal Reserve had informed them that the money orders had already been deposited on XX/XX/XXXX at another bank. They were unable to unable to provide me with any further information as they said that the Federal Reserve did not provide any. I am now out {$1900.00} and Capital One is unable or unwilling to help even though I sent them the actual, physical money orders ( see attached documents ).
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (VA)

The company agreed to update the past due history due to an agent error. They have given me a full credit towards the balance but failed to update the reporting. The reporting should be updated because the credit that was given was due to their own error and I should not have been reported late for XXXX and XX/XX/2019.
Consumer complaint received 2020-02-25
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. (SC)

THE ACCOUNTS LISTED HAS BEEN REPORTING AS DEROGATORY ACCOUNTS ON MY CREDIT FILE. THOSE ACCOUNTS HAS BEEN TARNISHING MY CREDIT AND I WOULD LIKE THEM TO BE COMPLETELY OF FMY CREDIT FILE. THESE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT AND I AM IN DISTRESSED THAT THIS HAS BEEN GOING ON WITHOUT MY KNOWLEDGE UNTIL I RECENTLY UPDATED MY REPORT.
Consumer complaint received 2020-02-25
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. (SC)

THE ACCOUNTS LISTED HAS BEEN REPORTING AS DEROGATORY ACCOUNTS ON MY CREDIT FILE. THOSE ACCOUNTS HAS BEEN TARNISHING MY CREDIT AND I WOULD LIKE THEM TO BE COMPLETELY OF FMY CREDIT FILE. THESE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT AND I AM IN DISTRESSED THAT THIS HAS BEEN GOING ON WITHOUT MY KNOWLEDGE UNTIL I RECENTLY UPDATED MY REPORT.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I applied for an apartment at XXXX XXXX in XXXX, GA. The apartment complex conducted a background check and denied my application due to 3 Aggravated Battery charges in XXXX. However, I had never been arrested or charged with any crime other than a simple traffic violation. Myself and my personal friend, who is a cop in Florida, conducted our own research as to the matter. It was revealed that another XXXX XXXX, born in XXXX, was arrested and charged with 3 counts of XXXX XXXX, this was not me.
Consumer complaint received 2020-02-25
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: Resurgent Capital Services L.P. (VA)

This account belonged to XXXX  XXXX XXXX  and has not provided the correct balance regarding this account.I received a letter and a spoke with a representative sometime inXX/XX/XXXX-XX/XX/XXXX and was advised that all of the transactions were credited and that they did update my credit report to remove the late reporting for the fraud charges, agreed to close the account and issued permanent refund. Then I received a bill huge bill and I had no Idea of why. This merchant agreed to do a reasonable investigation for fraud that was done on my account. They removed fraud charges, agents advised that the credits were permanent. The company also sent a letter stating that the the past due history was updated and all fraud charges were removed. XXXX XXXX also agreed to delete the account. However, XXXX XXXX sold the account again and there is a claim that there is a balance of {$800.00} for a credit limit that was only {$400.00}. My fees and interest have not been properly issue doing the investigation and nor did they dispute all of the charges as being fraudulent. In XX/XX/XXXXthey did agree and removed the XXXX XXXX account but now there is a company that I did also advise that I should not responsible for this account due to the fraud that was done because the card was lost/stolen.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My account was stolen over XXXX worth of money, I have contacted Citzens back and have asked them for a temporary credit, so I can pay my bills right now. They have been declining my request when I told them my card was stolen and I dont have it, I really need this money back,
Consumer complaint received 2022-11-05
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 sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-28
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: AMERICAN EXPRESS COMPANY (PA)

In accordance with the fair credit Reporting act XXXX Account ( s ) # XXXX, # XXXX, # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2020-02-25
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: Caliber Home Loans, Inc. (CA)

XXXX report in file had two different names and two different social security numbers.

XXXX report wrong current home loan mortgage address.

XXXX report Real Estate Mortgage account was not belong to me.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I make my total mortgage payments ( $ XXXX/month ) paying {$320.00} bi-monthly when I get paid. I have been paying my mortgage like this for almost 2 years. Received a letter threatening foreclosure from my mortgage company claiming I am behind in my payments. I can submit proof I have NOT missed ONE payment ever.
Consumer complaint received 2020-02-25
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: Experian Information Solutions Inc. (NY)

I have a credit repair agency working for me. She requested verification for all inquiries that were not authorized by me. This was XX/XX/XXXX. It has been more than 30 days and fraudulent inquiries are still on my credit report. I havent search for any mortgages, rentals, car loans, credit cards, etc. Im in the process of cleaning up my credit report that someone else has damaged. Its hurting me and making me feel defeated. Im trying my best to figure out why someone will damage my credit. I never authorize none of these agencies to pull my credit report. All unauthorized inquiries are attached!
Consumer complaint received 2020-02-25
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. (NY)

I have a credit repair agency working for me. She requested verification for all inquiries that were not authorized by me. This was XX/XX/XXXX. It has been more than 30 days and fraudulent inquiries are still on my credit report. I havent search for any mortgages, rentals, car loans, credit cards, etc. Im in the process of cleaning up my credit report that someone else has damaged. Its hurting me and making me feel defeated. Im trying my best to figure out why someone will damage my credit. I never authorize none of these agencies to pull my credit report. All unauthorized inquiries are attached!
Consumer complaint received 2020-02-25
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: EQUIFAX, INC. (CA)

EQUIFAX IS REPORTING ACCOUNT ON MY CREDIT REPORT THAT ARE FRAUDULENT, AND THE WAY THE NAME IS APPEARING ON MY CREDIT REPORT IS UNEXPLAINABLE. NUMEROUS TIMES I HAVE CALLED THEM TO RESOLVE THIS ISSUE ITS IMPOSSIBLE, BECAUSE THEY HAVE NO IDEA WHO THE CREDITOR IS EITHER. I HAVE COMPLAINED ABOUT THIS TO YOU ONCE BEFORE AND TILL THIS DAY I DON'T HAVE ANY RESULTS. I NEED TO KNOW WHO THIS CREDITOR IS THAT SO I WILL REACH OUT TO THEM AND HOPEFULLY GET TO THE BOTTOM OF THIS. I AM ATTACHING MY IDENTITY THEFT REPORT FOR YOUR REVIEW.
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See enclosed statement XX/XX/XXXX Adjustment Purchases Temp Credits Confirm beginning of fraud investigations listed XX/XX/XXXX. see attatched XX/XX/XXXX WERIFY USAA CREDIT CARD FRAUD CHARGE If you still believe fradulent No Action needed by you we will pursue this as fraud on your behalf {$49.00} THIS WAS NOT REVERSED AND NEEDS TO BE MADE A PERMANET FRAUD CREDIT The temp one is listed XX/XX/XXXX. See attatched XX/XX/XXXX Letter says same thing Lists transactions {$10.00} XXXX XXXX XXXX XXXX THESE DID NOT REVERSE AND TEMP CREDITS NEED TO BE PERMANET. see attatched XX/XX/XXXX says same thing {$12.00} see attatched XX/XX/XXXX Letter says same thing transaction {$12.00} THESE DID NOT REVERSE. All these temp credits NEED BE MADE PERMANET. 
???? HAS USAA COMPLETED THESE INVESTIGATIONS begun OVER A YEAR AGO?
Consumer complaint received 2017-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I have 3 public records listed on me credit report with XXXX. I have requested that information be verified that it belongs to me. After multiple reply from XXXX indicating that they have verified the information. Which turns out to be not correct at all. I contacted the courts that reported the information. The information is not correct as well as I was told by court that it is against there policy to verify any accounts by phone or mail. The only way to verify account is go to court records in person. XXXX has not done this and should not be reporting the information because I have asked for proof of ownership. and required by law they need to provide. They have not verified the information in any way. No rep of XXXX has been to courts. This should be removed from my credit file ASAP. They are breaking the law and things need to change.
Consumer complaint received 2020-02-25
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: TRUIST FINANCIAL CORPORATION (FL)

Hello, I have a credit card wit SunTrust credit card company and I call them on XXXX XX/XX/XXXX to find out out to go by as I want to pay 2 promotional balances before the due date, which one is on  XXXX {$1900.00} and the other balance is on XX/XX/XXXX for {$760.00}. The agent and supervisor told me if pay that balance, they couldn't allocate the payment to the promotional balances, instead my payment, total on both promotional {$2600.00} will go towards my new balance. I other words, thay can not be apply to the promotional balances. Which I found not correct, because they these two promotional balances are showing on my statement, meaning I could pay, why then, they put it on my statement. Their response was that I could pay the whole balance, which I'm not ready for it, neither I have that money, again, why then you are putting something on my my statement when the bank is not ready for me to pay. I do believe they are not been honest. I pay my credit card bill through an automatic debit every month and I don't even pay the minimum, but I will like to at least pay the promotional to avoid to have to pay high interest when they mature. Please help me as I believed they are not correct and the statement is not transparent, neither clear. Thank you very much!! XXXX XXXX cel number : XXXX
Consumer complaint received 2020-02-25
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: EQUIFAX, INC. (NY)

I have a credit repair agency working for me. She requested verification for all inquiries that were not authorized by me. This was XX/XX/XXXX. It has been more than 30 days and fraudulent inquiries are still on my credit report. I havent search for any mortgages, rentals, car loans, credit cards, etc. Im in the process of cleaning up my credit report that someone else has damaged. Its hurting me and making me feel defeated. Im trying my best to figure out why someone will damage my credit. I never authorize none of these agencies to pull my credit report. All unauthorized inquiries are attached!
Consumer complaint received 2020-02-25
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: TOYOTA MOTOR CREDIT CORPORATION (FL)

On XX/XX/XXXX I logged into Lexus Financial and made a monthly car payment in the amount of {$550.00} which was due XX/XX/XXXX. Lexus reported me to the credit bureau for being late. I. Contacted customer service on XX/XX/XXXX to inquire and the customer service representative stated, although our records indicate that you did in fact logged in on XX/XX/XXXX before midnight and submitted the payment, being that it was after business hours as well as a Saturday, the payment posted on XX/XX/XXXX. I tried speaking to a manager since I have been a long time customer and have always made payments on time for both cars which I am currently leasing, however, the manager refused to remove the late payment from my credit report.
Consumer complaint received 2020-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have reached out to the credit bureau to ask to investigate the reporting of this account XXXX  XXXX XXXX they have claimed they have verified this as accurate when there is a clear violation in the reporting. This account is reading a charge off with a balance of {$4900.00}. This is a clear violation as a charge off should have a XXXX balance.
Consumer complaint received 2020-02-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CO)

This company LoanCare acquired my loan in XXXX. My loan is a principal and interest only loan. They received my first payment on XX/XX/2019 for the amount of {$870.00}. In XXXX, I received a bill for my principle and interest PLUS an escrow account for home owners insurance. I provided proof of home owners insurance, and they refused to refund my account and close my escrow. FINALLY, my escrow was closed, however, due to this issue, they are not crediting my on time payments appropriately, and I still have late payments and bad reports to the credit agencies. PLEASE look into this company. I am not the first or the last person that has had this issue. Look at their yelp reviews. They are sending me refund checks, all the while not crediting my payments appropriately.
Consumer complaint received 2017-01-11
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Freedom Mortgage Company (FL)

I have not been in contact with my loan processor/mortgage broker, XXXX XXXX at Freedom Mortgage Company in XXXX, FL for several weeks. He has not contacted me after I have made several attempts via emails, phone call, voice messages and text messages for a status on my loan application approval. I do n't know if my loan was approved or denied. There has been no phone call or email with a status of my loan. It is approximately 2 weeks before my closing date. At this point, I am left with wondering if myself and XXXX child will be homeless due to the disregard and unprofessional conduct by the loan officer. Also, I have tried to contact the loan officer manager and left him a voicemail. He has not responded back to me either. The last time I spoke with the loan officer, XXXX, he stated he was going to submit my loan on Wednesday, XX/XX/2016 and he had the signed documents.
Consumer complaint received 2020-02-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Office of Michael J. Scott, PC (TX)

Today, XX/XX/2020, at about XXXX XXXX  CST, a representative from Scott & Associates came to our home residence at XXXX XXXX XXXX XXXX, XXXX TX, ,XXXX, ' asking for XXXX XXXX stating he has there to collect a debt and service a legal notice for legal action. He was very threatening to my wife who was home alone. We have XXXX  video as proof.
Consumer complaint received 2020-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX I reported ( 2 ) XXXX XX/XX/XXXX transactions {$170.00} {$170.00} UNAUTHORIZED. see enclosed XX/XX/XXXX statement fraud investigation BEGUN temp credits listed XX/XX/XXXX Adjustment Purchases. ( These were in my favor as the temp credits were NOT reversed. ) WHEN WILL I SEE THE TEMP FRAUD CREDITS MADE PERMANET.? WHAT DO THE PERMANET FRAUD CREDITS LOOK LIKE? HOW ARE THEY DIFFERENT THAN THE TEMP ONES? ( USAA OWES THE PERMANET CREDIT ON BOTH THESE TRANSACTIONS ). Has USAA completed this fraud investigation begun OVER A YEAR AGO?