davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

TODAY I called Bank of America to get loss prevention to see why they would pay off someone else {$13000.00}. XXXX plus credit card out of my money and when was it going to be returned with the rest of my money that was taken by their bank. The representive pretended like she had found the account and was going to resolve the issue finally. she stated she had to verify me. she asked me for my address, my social Security Number, my Drver license number for New Jersey and Georgia, she asked me for the location of where I open up my account, The name of the bank when I open my account, who was my employer and then she gives me a phony phone number for XXXX XXXX oXXXX and stating they were still open. Bank of America has pulled a scam in getting all my information as to lie about the information they had on me preciously when they have lost everything and now this ploy to protect themselves. the employee even asked for my previous employer in New Jersey. When I hung up the phone from Bank of America, I had this sinking feeling that Bank of America has set me up in getting all my information as to prevent me from having a legal case in getting my money back which they stole in 2004. I feel like they have XXXX me today. which they actually did of all my personal information. they have it all. what a low-down dirty trick this bank has pulled again on me.
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

This is another item that i've been disputing for couple of months already but nothing is happening! Can someone please do something and delete this collections account to my credit report!! I have already reported this to FTC XXXX Account # : XXXX
Consumer complaint received 2022-05-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

There are accounts under my name that is reporting inaccurately as well as inquiries that I have no direct engagement with. I have already filed the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these accounts I am complaining.
Consumer complaint received 2021-11-12
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: Santander Consumer USA Holdings Inc. (CA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account ( SANTANDER with account number XXXX ) is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

15 U.S.C 1681 section 602 A. - States I have the right to privacy.

Section 604 A Section 2-states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) and 1681s 2 ( A ) ( 1 ) Transunion doesnt allow you to dispute this for some reason
Consumer complaint received 2022-05-04
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. (LA)

XXXX deleted a bankruptcy off my report and then added it back to my report and i have proof from a report generated by XXXX. This is illegal! and must be removed at once! 

XXXX needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires.Factual data is report 2 inquires and i only authorized them once. 

XXXX refused to show proof of their investigation in a timely manner according to the FCRA guidelines. and refused to delete a bankruptcy inaccurately reporting. This is illegal! and must be removed at once! 

XXXX needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires. Factual data is report XXXX inquires and i only authorized them once. 

Transunion refused to show proof of their investigation in a timely manner according to the FCRA guidelines. and refused to delete a bankruptcy inaccurately reporting. This is illegal! and must be removed at once! 

Transunion needs to remove all NON-ACCOUNT bearing inquires off my file, i dont recognize most of the inquires. Factual data is report 2 inquires and i only authorized them once.
Consumer complaint received 2020-12-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

I submitted my first request of disputes on XX/XX/2020 with follow ups on XX/XX/XXXX XX/XX/XXXX and XX/XX/2020 and i have no received any letters as replay or any updates my request is been ignore from this company. see attache all the letters ent, and my ID that also have proof of my address i also sent that to this company. 

this company keep reporting inaccurate information on my credit report
Consumer complaint received 2021-09-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

According to FDCPA 15 U.S.C 1692G and FDCPA 15 U.S. C 1692D., you are in violation of my consumer rights by furnishing this inaccuracy on on my consumer reports I am demanding this file be removed immediately
Consumer complaint received 2018-11-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE (TX)

Applied for a loan with Barclay bank back on XX/XX/2018. Subsequently, I was approved and granted a loan several days later. The details of the loan as specified on the contract are disclosed on the attached contract. However, it's fair to mentioned that the interest rate I agreed to is 12.99 %. However, based on the current status the company has been charging an interest rate twice as high. Considering once again the current status of the loan which I will provide a current statement of. In any case, as of today, after having paid the first payment in the sum of {$200.00}. My loan is showing a balance of {$7400.00} which is much more higher than the interest agreed to and the conditions set forward by the loan. 
Considering once the loan amount to has been {$7500.00} at a 12.99 % interest rate.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX never sent me a bill from when I open the account. I made a purchase at their store and they gave me some discount if I would open the card so I did, but the issue was I never received the bill, once I finally got a call from them or I called ( can't remember ) my bill already had accumulate late fees and interest so I asked how much was to pay and close the account the lady gave me the statement and I did. 
Now they keep sending me bills that are not from purchases but late fees over late fees, I refuse to pay is outrageous if I already paid and asked for the account to be closed.
Consumer complaint received 2018-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO)

The mortgage servicer has not paid my county property taxes. I pay my escrow account for the servicer to pay my taxes. I have been in contact with the servicer since my first delinquent tax notice in XX/XX/2018 and I still have a delinquent bill despite being told the taxes have been paid..
Consumer complaint received 2022-11-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

Immediately delete these accounts because I asked for sufficient evidence from each company and the 15-day window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a XXXX  XXXX as a result of this circumstance.
Consumer complaint received 2022-01-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MD)

I received an email on XX/XX/2021 stating that Chime decided to close my checking and savings accounts effective immediately without any warning. I reached out to ask why my account was closed and how I can retrieve the money in my account. Chime responded that they can not disclose any detail. Since then I have contacted Chime multiple times asking for my account funds and they have not responded.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NY)

I never received bills during XXXX to XXXX and when I try calling I was always being transfer I would give them myself abs they say it wasnt me. A lot of them dont speak clear XXXX so it was hard to understand. I could never make an account with the app it says my number was incorrect I even called them stating and they mention that I wasnt who I said I was
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MN)

On XX/XX/XXXX I was notified by XXXX XXXX XXXX that my XXXX access which was the primary benefit of this card would be significantly reduced beginning on XX/XX/XXXX. The Annual Fee for the American Express Card is {$550.00}. The terms of the card have significantly changed, and I was not notified within 45 days as required by the Credit Card Protection AcXXXX of 2010. Additionally, significantly reducing the primary benefit of the card while continuing to charge an annual fee of {$550.00} is unfair, deceptive, and affect commerce.
Consumer complaint received 2020-12-14
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: Open Dealer Exchange, LLC (CA)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX, on XX/XX/2020, XXXX XXXX XXXX  and on XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2018-11-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (TX)

This debt was already paid for by XXXX. This debt was signed for by my childrens father not me. Commonwealth financial fraudulently purchased this as a debt when it was not. Even there hospital said it was paid. This company does not act on fair credit reporting.
Consumer complaint received 2018-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NJ)

checked my credit reports and found a few Derogatory marks in the beginning of the month that I do not recognize XXXX XXXX. When I called they could not verify my information and/or provide information about the debt claimed that I owe. I have never received any notices in the mail either. On my credit reports it shows that I owe them {$880.00}
Consumer complaint received 2021-10-14
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: NCB Management Services Inc. (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have attempted to dispute inaccurate information on my credit file with Experian for almost a year. I started disputing the incorrect information in XX/XX/2019. I have sent several letters disputing the inaccurate information in accordance with The Fair Credit Reporting Act and the Fair Debt Collection Practices Act and my request were completely ignored. I have sent certified mail providing proof of my identity which included a copy of my driver 's license and social security card. After several failed attempts to dispute the issues on my report I had to make several phone calls. Each time I spoke with an Experian reprehensive I asked them to provide evidence according to Federal Law of their findings of the investigation conducted and I was told that they do not have to provide me with any proof. Experian 's total disregard for federal law has taken a toll on my life regarding my finical well being and access to improve my credit worthiness.
Consumer complaint received 2018-04-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (ND)

I reviewed my credit reports for XXXX, XXXX, and XXXX   in XX/XX/XXXX and XX/XX/2018 and saw that XXXX XXXX through Diversified Consultants Inc. has a negative mark on all three bureau 's for a debt that is not mine. I disputed the incorrect information and it was removed from all three credit reports within the 30 day dispute time frame, except from XXXX, which took 45 days. I am trying to purchase a home, so I had the banks pull my credit files in mid XX/XX/XXXXand I had no open collections on any of my reports.

Today, I went to the bank to sign more loan paperwork and they pulled my credit file to lock in my interest rate and Diversified Consultant 's Inc has re-entered the XXXX XXXX collections account onto my XXXX   report without notification as required by law. I was not given any response time or a 5 day warning-the collection date was adjusted and it has resulted in my loan application being kicked back until this is fixed. This is sneaky and harassment and not my debt, yet I feel that I am being forced to pay it. I want this company to stop adding things to my credit report just because they have access to do so.
Consumer complaint received 2023-05-25
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: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Accounts XXXX XXXX XXXX, XXXX XXXX XXXX, has 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-04
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 (PA)

Approximately in XXXX of 2016 I was notified by Capital One that my {$8500.00} credit card had a balance on it of {$20000.00} at that time I had made a dispute and was told to continue making my minimum payment so as not to mess up my credit after some time I contacted them again and they told me that they couldn't give me an information any information because it was under investigation after some more time I still had not heard back from them so I contacted them to try and find if they can give me any records of anything that occurred and I was giving no information no records or anything else I thought I just had to accept it for what it was and wait about 7 years until hopefully it came off until I ran into a gentleman I was doing work for a couple months ago who advised me that I did have recourse and that's it was the actions that I'm trying to take now
Consumer complaint received 2022-05-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Associates , LLC aka : Original Creditor / XXXX XXXX XXXX XXXX  XXXX items : {$4900.00} / {$1200.00} both XXXX XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX XXXX XXXX XXXX aka : Original Creditor / XXXX XXXX XXXX XXXXtem : {$610.00} from XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX I have made repeated call/letters and disputed with the 3 major credit bureaus with no positive results in eliminating these false/fraud accounts from my credit reports.
Consumer complaint received 2022-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION (GA)

Yesterday ( XX/XX/2022 ) I applied for a credit card with the Navy Federal Credit Union. At the time of my application a range of interest rates was displayed ( XXXX % ). I continued the application process by going to the next step - never showed what the actual rate would be. Later in the day I received a message stating that my interest rate would be 13.24 %. I would never have accepted this rate if it had been disclosed as I have over $ XXXX in cash deposits with XXXX XXXX XXXX XXXX and XXXX Bank. My XXXX credit card is at XXXX % with XXXX % cash back as I have excellent credit. 

This is a classic bait and switch scheme and a very unethical business practice. I have also filed an XXXX complaint but am filing with you as well as this is fraud. Today I cancelled the credit card with Navy Federal and closed my account with them - voting with my dollars. Please sanction Navy Federal Credit Union for their fraudulent business practices.
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (AL)

Had a balanced owed from XXXX. They said I never returned my XXXX TV receivers. I took it to a XXXX store and dropped it off and the individual there put it in a bin and sent me on my way. In XXXX of XXXX a mortgage lender ran my credit and everything was perfect. In XX/XX/XXXX he ran it again and there was a collection. It was added to my credit report on XXXX of XXXX. It made my credit score go down roughly 100 points at XXXX and roughly 150 points at XXXX. I was actually planning on using XXXX at this new home I purchase - may not now. I would have kept the service but I moved to an apartment that provided me with cable and tv for free. Never heard about this debt until the mortgage lender told me. Called the debt collector and they said they never tried to contact me, first point of contact was when I called them in XXXX of XXXX. Why did they not contact me the previous 4-5 months?!? XXXX should know I'm not gon na reply to written mail because I don't live there! I returned the equipment, what am I going to use it for? I do not have XXXX service and if I do get new service, from my recollection, the equipment is free! They said they sent me a check for {$70.00} as well that I never got so obviously I never got any notice that I owed {$520.00} dollars and that they never received the receivers from XXXX - again not my fault. The debt collector also has my name incorrect.
Consumer complaint received 2022-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XXXX XXXX XXXX # XXXX In this case, Capital One has been victimized by " friendly fraud '' and wrongfully charged back payments. I urge capital one to research this customer and their policy in customers engaging in " friendly fraud '' disputes.
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc. (TX)

THE BUREAUS INC. has been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness.
Consumer complaint received 2020-07-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MD)

Experian is still reporting that my XXXX credit card was closed when XXXX has reopened it. I have opened a dispute but experian is still showing erroneous report. My card from XXXX was closed although I paid my bill. XXXX has since reopened my account. Experian is also the only company still reporting erroneous late payment when XXXX   and XXXX do not have those on my credit report. I have submitted a dispute about this.