davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I called Bank of America to use their zero-APR VISA  offer to pay off my {$2400.00} balance at XXXX. The operator there said they had a new MasterCard with a zero-transfer fee that would also save me the cost of the balance transfer, and could get instant approval. A minute later I was approved for $ XXXX, and they process the transfer. 

Later I learned that they REDUCED my $ XXXX limit on my VISA  down to $ XXXX to provide the " new '' $ XXXX for my new MasterCard. I called in and requested my $ XXXX be restored, and several days later I received a denial in the mail. 

This it started. First, a notice from my credit monitoring service that a credit limit has been reduced, followed a day later by notice that my FICO score had been reduced from XXXX to just XXXX. 

Then, the constant flow of new credit card offers that daily filled my mailbox suddenly STOPPED. 

I went to my local B of A branch and explained how B of A had trashed my credit. They forwarded the report to headquarters, who started Case number XXXX to investigate. 

Later, I received notice that their investigation had determined that everyone had followed their normal B of A procedure, so they would do nothing to mitigate the situation, despite the damage that had been done to my credit, and probably the credit of thousands of other previously-loyal customers. They REALLY don't care about the damage they are doing. 

So, I called back and talked to a supervisor XXXX at XXXX to discuss possible ways of mitigating this situation within their very broken " system ''. She offered to combine the two accounts into a single $ XXXX account while closing the other account. Of course this would then show an account closure, but it would also show an account increase. Unfortunately my skills like elsewhere, so I lack resources to figure out what to do, despite hours of watching XXXX videos about related issues.
Consumer complaint received 2019-05-28
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: First Advantage LNS Inc. (MD)

So as of late 2018 ive been trying to get further information on a erroneous collection account that was placed on my credit file by XXXX and XXXX.The company is NCAC/National credit audit corporation with a balance of $ XXXX.This account was also posted to XXXX  but has since been removed.I have written XXXX and XXXX several times as well as the creditor, requesting all documents for the above account and neither have done so. Both credit bureaus have violated the FCRA section 601 ( a ) ( 1 ) ( a ) as well as section section 623 of the FCRA, and has since then refused to remove account from my credit file. XXXX  has removed this account from my credit file but XXXX  and XXXX have failed to do so. After many letters and phone calls to the credit bureaus letting them know this is not my account, I wrote them asking for there Method of verification I received the response 30 plus days later, but the Bureaus are required to respond within 15 days when there is a request of ( Mov ) and I was sent back a phone number with no company name and no other details.The above account is also missing information witch is also relative to the FCRA. XXXX and XXXX are not conducting proper investigations into this matter. Ive also hired an Attorney to help me thru my legal matters with NCAC/National Credit audit as well as XXXX  and XXXX
Consumer complaint received 2019-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

So as of late 2018 ive been trying to get further information on a erroneous collection account that was placed on my credit file by XXXX  and Transunion.The company is XXXX XXXX XXXX XXXX with a balance of $ XXXX.This account was also posted to XXXX but has since been removed.I have written Transunion and XXXX  several times as well as the creditor, requesting all documents for the above account and neither have done so. Both credit bureaus have violated the FCRA section 601 ( a ) ( 1 ) ( a ) as well as section section 623 of the FCRA, and has since then refused to remove account from my credit file. XXXX  has removed this account from my credit file but Transunion and XXXX have failed to do so. After many letters and phone calls to the credit bureaus letting them know this is not my account, I wrote them asking for there Method of verification I received the response 30 plus days later, but the Bureaus are required to respond within 15 days when there is a request of ( Mov ) and I was sent back a phone number with no company name and no other details.The above account is also missing information witch is also relative to the FCRA. Transunion and XXXX   are not conducting proper investigations into this matter. Ive also hired an Attorney to help me thru my legal matters with XXXXXXXX XXXX audit as well as Transunion and XXXX
Consumer complaint received 2019-10-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

Was contacted by XXXX XXXX ( XXXX XXXX ) at XXXX on XX/XX/XXXX. When we tried to get more information about the debt and the amount, they would not provide a break down saying that they were only sent the total. No information was provided about being able to dispute. When I asked for more information, I was told repeatedly that if I did not pay during this phone call, my credit would be damaged and that I would be threatened by legal action and that they would potentially go after leans or wages. The agent kept referencing our original lease agreement, but we had renewed our lease so that would not have been the correct document. Further, when I tried to ask questions, XXXX would remind me that I had possibly said something else and that the call was being recorded and that she would use the call against me in further matters. The fast pace of the call and threats were disorienting as it was clear she was trying to bully us into paying the amount despite not receiving the correct information from her. 
I was eventually granted an hour to do more more research, though I really should have been given even more time than that to look into the matter. 
When we called back, we could not get XXXX on the phone even though we were given her direct extension. 
We spoke with XXXX XXXX who 1st did not why we were calling as there was no case number associated with our names and then he gave us a different set of information. For example, that we now owed {$320.00} instead of {$310.00} because of interest. It was unclear if that interest was daily or monthly. He also stated that the matter was sent to them on the XXXX at XXXX XXXX, but as stated, we were not notified until the XXXX. 
We also never were sent any information via mail. 
We attempted to get off the phone and asked for more time ( even just 30 minutes ) with IQ but were threatened that in doing so, our credit would be harmed and that we would owe even more money. At this point, we were speaking with XXXX again and she stated that we could have taken care of this by now and she continued to use abusive language and threaten us. We finally hung up and tried to sort through the situation. I then received multiple calls from them ( XXXX, XXXX ). 
Because of all these harassing phone calls and communication tactics and threats to take negative action, we were pressured into paying the amount that is in dispute with our landlord as it does not appear to be a valid debt. Also, when we asked about the creditor it was suddenly revealed that the matter had not yet been sent to a bureau which goes against everything they had just told us on the phone.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Metro Collection Service Inc. (SC)

I recently requested an investigation into my credit report for an account listed as Metro Collection Services acct # XXXX. I submitted my compliant through the CFPB and the company has failed to even respond with any evidence against me. According to 15 USC 1692g ( b ) states that the creditor must respond with evidence for the alleged debt they are furnishing on my report. It is against federal law for your organization to continue reporting this inaccurate information without verification. I am in the process of getting a home for my family and this account is causing extreme damage to my overall creditworthiness.
Consumer complaint received 2023-04-09
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: OneMain Finance Corporation (PA)

In accordance with the fair credit Reporting act 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 a open end consumer credit plan as late for purpose.
Consumer complaint received 2022-10-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account # XXXX and Account # 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 2019-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

I have reached out to Equifax on Several occasions concerning the XXXX account and the XXXX Mortgage account. Both accounts was deleted from my credit file and then recently reentered on my credit file with no warning or letter stating that it would be or why. The accounts has not been on there for a year and now they mysteriously reappear. I have send documents to Equifax regarding these accounts.
Consumer complaint received 2024-04-08
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc. (GA)

This company continues to induce harm - while also misrepresenting who they are and making attempts to extort me of funds for a debt they refuse to properly validate and provide to me the very NECESSARY information I've requested in order to settle this matter. They've already admitted to the fact they will continue to report the account on the credit report as validated ( WHICH IS FALSE! ) ... further and intentionally causing harm and damage to my credit, which is a be fair and reporting accurately AT ALL TIMES, no matter what. 

This company has refused to upload proof of mailings they claim to have sent off. Please see the attachments of previous complaint. 

This company " EASTERN ACCOUNT SYSTEM '' is also NOT licensed or registered to collect and do business in the state of Georgia per the XXXX  Consumer Access website. They are based out of Connecticut but attempting to extort consumers in Georgia. Yet, this company somehow obtained personal identifying information to falsely tie me to a debt that I do not owe. A debt that's tied to several pieces of INACCURATE and highly defaming information that does NOT belong to me. They continue to fail at attaching any documents to the CFPB complaints they've responded to. They simply make blanket statements that hold zero weight and prove absolutely nothing!
Consumer complaint received 2019-10-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc. (WA)

This complaint is a HIPAA complaint against this debt collector. I made a complaint recently about this debt collection agency because they had not validated a debt they are reporting on my credit reports. They're reporting a debt for someone named " XXXX XXXX '', which is NOT me. My name is XXXX XXXX. In their reply to that CFPB complaint, they included a list of medical procedures that this " XXXX '' had while at the hospital. They did not include a HIPAA release form, which means they have now given ME a list of medical procedures for somebody else which means they've violated HIPAA laws, which can come with a {$10000.00} fine. I fully intend to try to track down this " XXXX XXXX '' and notify him/her of what this debt collector has done so that she can file complaints, and/or take this company to court for violating her HIPAA rights. Again, this debt does NOT belong to me, and needs to be removed from my credit reports immediately. If not removed, as legally needs to be done, I will be seeking legal counsel, as well as contacting the state attorney general for assistance.
Consumer complaint received 2019-05-27
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. (CA)

I decided to take a look at my credit report and noticed that I had a hard inquiry from XXXX. I have no knowledge of anyone trying to get a XXXX account under my name. I been on XXXX account with my husband for the past 2 1/2 years, so their is no reason why I should have this on my records. I am disputing this as it was due to fraud, someone used my information to open a account with XXXX without my knowledge.
Consumer complaint received 2020-02-07
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. (FL)

I recently looked over my credit report and I noticed some inaccurate accounts that are reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of those accounts. I also have no understanding of how or who could have access to my credit. Now because of this issue, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have these derogatory accounts removed from my credit file.
Consumer complaint received 2020-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

The credit card account ending in XXXX was opened in XXXX. The balance remaining was less {$150.00} on a {$250.00} credit limit. 
All of the payments were paid on time. A Chapter XXXX was filed the U.S. District court in XX/XX/XXXX and this debt was included. The trustee sent all payments to Capital one and left a XXXX balance on the small debt initially owed. The case was discharged in XX/XX/XXXX owing no debt to Capital One. Last year, a past due amount reappeared and I contacted Capital One, they pulled the bankruptcy findings and corrected the debt as they should have. 
A year later, Capital One has decided to re-collect in debt not owed using unfair and deceptive practices. After speaking to a rude XXXX, ID Operator number, XXXX, she stated they can keep this debt on 10 years even though although nothing is due. This debt is now over 8 years old and it was all satisfied in XXXX. No one at Capital One could explain last payments received by trustee or why this this collection reappear year after year. No one would escalate to a manager to get clarification.
Consumer complaint received 2019-05-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX originated my mortgage. They transferred my loan to Wells Fargo AFTER I made a payment. Wells Fargo is not showing that payment as having posted, but I already paid it weeks ago! 

Now I received a letter from Wells saying I have a payment due in only four days, and they aren't answering their phones.
Consumer complaint received 2018-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Santander Consumer USA Holdings Inc. (CT)

On XX/XX/XXXX, I sent Santander Consumer a certified letter with return receipt in order to dispute the derogatory remark the company placed on my credit and is visible on my credit report. I requested that Santander Consumer, immediately delete this derogatory remark. The last reported activity on this account was reported when it was closed on XX/XX/XXXX, 4 years ago. I requested that your company send me a response to which the remark will be removed or not to my address listed above within 30 days. Please keep in mind that derogatory credit accounts are defined as the following : disputed accounts with late payments in the last 24 months however my account has been closed for 50 months now. The 30 days have passed and I have not received a response from the company. However the return receipt proves that they did receive the letter I sent.
Consumer complaint received 2019-05-27
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 (CA)

I called into American Express in XX/XX/XXXX, to explore new credit card options. I spoke with a customer service rep, XXXX, who was very helpful. We figured out which American Express Card would be the best for me, the Gold Card. XXXX asked if he can sign me up over the phone. I told him sure, as long as I receive the welcoming bonus of XXXX points if I spent {$10000.00} in the first 3 months, that was advertised online. He said it does not make a difference if I sign up online or over the phone, I will get the advertised welcome bonus. I signed up online, met the spending qualification in 3 months, and never received my points. I called in to AMEX, made a claim ( Icare # XXXX ). I explained the call was recorded and they can review the call. This was on XX/XX/XXXX, and I was supposed to hear back by XX/XX/XXXX. AMEX did not get back to me, I followed up once prior to XX/XX/XXXX, and once after. After XX/XX/XXXX, only when I followed up, they said they are not going to reward me the welcome bonus points. I called one last time XX/XX/XXXX and asked if I can review the call with them, because the welcoming bonus was discussed 100 % with XXXX in XXXX of XXXX, and it was also advertised on their website. Yesterday, XX/XX/XXXX, The custom service supervisor, her name was ( XXXX ), said there is nothing she can do on her end. So now I am seeking your help, please, in helping me retrieve my XXXX point welcome bonus from AMEX.
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I have paid this account off in full. I have also reached out to the original account holder XXXX and sent proof of pay off to them. I was able to pay off the account and open a completely new account now They are refusing to remove the account from my credit.
Consumer complaint received 2023-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Galaxy Capital Acquisitions, LLC (AK)

n XX/XX/2019 I was applying for the PFD and there website glitched when I hit submit the page reloaded with someone else 's info from XXXX Alaska and it showed me there address, date of birth, Social Security number and bank info. I got 2 other phone calls the same day saying someone got my info the same way, shorty after the PFD data breach I notice accounts being open in my name without my permission. the following accounts are not mine XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-09
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)

I email you before regarding a car loan on XXXX Of XXXX and requesting some help. I had added the company name of XXXX of XXXX besides add the credit card company that is reporting the Hard inquiries. Let me correct that information with this complaint please. 
XXXX of XXXX should run my credit ones and to one company and I have Hard inquiries from 4 different lenders in my credit report on the same day.
Consumer complaint received 2019-05-28
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: General Motors Financial Company, Inc. (TX)

gm financial is on my credit report saying i owe them XXXX and i have never bought or leased or even been on their car lot. i disputed this before and was given the run around. i wantedthem to produce some paperwork with my signature and never heard anything and it is still on my credit report
Consumer complaint received 2019-10-09
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. (CA)

I email you before regarding a car loan on XXXX Of XXXX and requesting some help. I had added the company name of XXXX of XXXX besides add the credit card company that is reporting the Hard inquiries. Let me correct that information with this complaint please. 
XXXX of XXXX should run my credit ones and to one company and I have Hard inquiries from 4 different lenders in my credit report on the same day.
Consumer complaint received 2023-01-27
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. (MA)

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