davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION (NC)

Scam. They offered {$300.00} to open an account, but you have to make XXXX direct deposits within 90 days. They knew that there is a large enough delay in social security direct deposit changes that it is impossible to get XXXX in 90 days. 
They have changed this now to XXXX direct deposit in in 90 days. 
I closed my account when I realized I wasnt going to get the {$300.00}. I opened my account in XX/XX/XXXX. When I immediately tried to switch my direct deposit to the Truist account SSAs website it told me the first direct deposit couldnt be made until XX/XX/XXXX. 
I then noticed Truist had changed the offer to require only XXXX direct deposit. I suppose they realized their scam. 
I think they knew this would not work out. Its a clever scam to do on people that have never attempted to change accounts on XXXX. 
I believe they should reimburse anyone they may have burned by this and didnt get their {$300.00} or had any service charges because of it. It just wasnt good faith and their recent change proves that they know they were taking advantage of people.
Consumer complaint received 2021-11-12
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: Lincoln Educational Services Corporation (CA)

I, XXXX XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with Those reporting agencies./// These company ( LINCOLN TECHNICAL INSTITUTE, XXXX XXXX ) willfully violating the FCRA. Without my direct written consent these reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may NOT furnish negative information to my consumer credit report without with my written instruction. No consent is identity theft//// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate action in Federal District court, and I will be seeking damages under 15 USC 1681n.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information..Delete CHAPTER XXXX BANKRUPTCY : BANKRUPTCY DISCHARGED REFERENCE NUM XXXX
Consumer complaint received 2019-11-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bryant, Hodge & Associates LLC (MI)

Contacted my employer on the phone and stated that he was going to contact / call everyone at my employer until i paid the debt. Additionally, they called all my relatives harassing them about my debt, while they had all my contact information. I emailed them and verbally told them to only contact me through the mail and they ignored that and actually increased the harassment.
Consumer complaint received 2019-07-27
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)

My credit report had an account listed from that are not mine. I disputed the accounts with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX (  ORIG CREDITOR : XXXX XXXX XXXX XXXX NA ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( reported duplicate on XXXX credit report ) .. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is
Consumer complaint received 2019-11-21
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 (TN)

I had a credit card with Bank of America. The card had an {$11000.00} limit with {$0.00} balance. Incidentally, my credit score is ( was ) XXXX, which is considered excellent. The credit usage of all of my credit cards was approximately 38 % at the time of this incident. In XX/XX/2019, Bank of America sent me an offer to transfer other credit card balances to their card with 0 % interest for 14 months. At the time I had about {$8800.00} on special financing on a XXXX XXXX card which was expiring. So I accepted BoA 's offer and transferred the {$8800.00} which was on the XXXX XXXX card to the BoA card. In essence, BoA was offering me an interest free loan for 14 months at 0 % interest. I would have been a fool not to have accepted what amounted to free money from them. The net effect was that I still had the same overall amount on a credit card. However, on XX/XX/2019, without warning, BoA closed this credit card. The immediate effect was that I lost {$11000.00} of available credit, therefore my credit utilization shot up to nearly 50 % and my credit score plummeted. I was in the process of refinancing 5 rental  properties. The refinancing would have saved me several hundred dollars per month for 30 years, or probably hundreds of thousands of dollars over the lives of the mortgages. All refi 's were placed on hold because of this move by BoA. I immediately called BoA for an explanation and a way to fix the issue. To be clear, I had cash on hand to pay the {$8800.00} in full, but was only taking advantage of the offer BoA sent me. Over the next week I called BoA 9 times and was on the phone for over 10 hours. They confirmed that my credit score was XXXX but would not tell me why my account was closed. I begged them to reopen the account and told them I would pay the amount in full. They said no. The only info I received from them was that they closed the account because " an account with us and/or our affiliates has been revoked. '' TO BE CLEAR, THE ONLY ACCOUNT THAT WAS REVOKED WAS THIS ACCOUNT. There were no other late payments on any credit report nor were there any other closed or revoked accounts or negative reporting OF ANY KIND. In short, BoA made an offer, I accepted, then they closed my account because I accepted their offer, then they crashed my credit score and cost me hundreds of thousands of dollars. THIS AMOUNTS TO DECEPTIVE LENDING ON THE PART OF BANK OF AMERICA.
Consumer complaint received 2019-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (OH)

The information this company says I have XXXX XXXX Credit Card never received in the mail this say I have account with them of XXXX put on my credit file the company should contack the my law frim not me or put on my credit file.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Thank you guys for reading my complaint. On XXXX I sent a letter to all three major reporting Credit Bureaus . And I did not get a response from any Major reporting bureau. I was able to get one account closed on XXXX which was a charge off from a car which the car was wrongly taken from me through the finance company. And a charge off XXXX balance account from XXXX XXXX that was closed on my Transunion. I checked my status regarding the letter dispute I sent to Transunion, and Transunion has only documented that a dispute was filed on XXXX, and XX/XX/XXXX.The delivery date was XXXX for the letter I sent in the mail. I also disputed on XX/XX/2021 using XXXX XXXX, and the status of that is that account is still in review. The letter I sent to Transunion was sent on XXXX, and only one of the five accounts were removed. The other four accounts on that letter I asked TransUnion to verify were not removed, and were not verified. And I did not receive a response from the bureau via mail, nor email, nor account update regarding the other four accounts. This dispute has lasted over 30 days, and I feel as if the only way this can be resolved outside of small claims court is to get those four accounts on my Transunion letter removed. Due to the Fair Credit Reporting Act. I have attached the original letters I sent to TransUnion, and XXXX. And proof of the letters being sent off via US Mail. I also have attached screenshots of the one account that Transunion finished disputing, and the account its still working on. Also want to dispute XXXX for not removing any accounts except the that was placed as a charge off. I have also attached my non reponse letters I have sent to both credit bureaus via mail. Thank you guys so much for your help. I really appreciate it so much.
Consumer complaint received 2021-10-30
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: Sequoia Financial Services (CA)

On XX/XX/XXXX I received a letter from Sequoia Financial Services regarding collecting a Judgment that was filed against me in favor of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$13000.00} + Post Judgment Int. in the amount of {$13000.00} bringing the total Judgment amount of {$27000.00}. The day I received this letter was the first time I have ever been notified about the Judgment. I don't know what this Judgment is for nor have I ever been served a summons to appear in court for any lawsuit filed against me from XXXX XXXX XXXX XXXX. So on XX/XX/XXXX I sent a letter requesting Sequoia Financial Services to provide me with verification of this debt, which they have failed to do. I still haven't received any documents verifying this debt. However on XX/XX/XXXX I received a notice of involuntary XXXX XXXX XXXX of XXXX XXXX Registrar-Recorder/County Clerk 's office, that was filed on XX/XX/XXXX by XXXX XXXX XXXX & XXXX XXXX Which I have no idea who that is.
Consumer complaint received 2024-03-09
Product: Credit reporting 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. (AZ)

I ask the credits bureau to send my credit report. I saw several hard inquiries in my report I have requested for them to delete them since I did give this company to run my credit without my permission. Equifax has my name wrong and the refused to change or provide me with my credit report. Student has my loans closing several time on my credit try to reach to them and XXXX refused to update remove the inaccuracies on report that has been affecting my credit. Since all them refused to follow the law. Equifax tell to do a fcra report. I want tgem to remove all the hard inquiries, negatives and close accounts on my credit reports. I will report them since all them refused to help.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RAM America, Inc (CA)

When I enroll in this program with XXXX XXXX XXXX, I was never told that the debt settlement program that I was enrolling in would not pay my credit card obligations. They made false representation and I was under the impression that they were paying for my credit cards. However, they did not pay my credit cards and let them go into default. They then settled my credit card debts after the fact. This hurt my credit score. In addition, I have paid a total of {$33000.00} since XXXX This company is demanding that I pay an additional {$26000.00} more so they can continue to make payments towards my credit card debts. This is not true! I called all my credit cards and they all told me my debts have been paid and settled. I would like this company to refund the fees they charge me.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (GA)

My account has been paid in full since XXXX and Mercedes has yet to update my zero balance and account status to the three major credit bureaus. This is causing my debt to be higher than it actually is and is affecting my credit score and profile. I've contacted the credit bureaus and the company and I still have not received an update.
Consumer complaint received 2019-11-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc. (CA)

I obtained a Smile Generation credit card from Comenity Bank about 5 years ago which has been, maybe 6.I became concerned when I reviewed my statement, and discovered that % 50 of my payment, was going toward interest, and % 50 to principal.I knew this was wrong, so I contacted them and question about this  consistent pattern.It does not make sense, the contract does indicate this, and if it had I would not have accepted it.I was not given a reasonable explanation.I asked for a copy of my beginning balance, and was told we don't have one, in our system, it is stored away in our warehouse.I have been paying on this bill for years, and don't know what the beginning balance was.I lost my copy, and they will not supply me with one.Comenity also changed the interest rate, to what I don't know, because as indicated it has always been % 50 on my bill.It is taking years to pay this bill, if I pay more than the billed amount, they still apply % 50 to interest.I contacted the XXXX  in their area, asking them for my payment history, and a copy of the original billed amount from XXXX XXXX , they didn't comply, they said they would within 30 days.These people are scamming me, and I want it stopped.Their refusal to supply with my billing history, and payments, including the original billed amount is evident they are deceptive in doing business.
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital one has a account on my credit profile that is not mine. I have never had a capital one account or card. I spoke with a capital one representative and was told XXXX XXXX XXXX is not attached to my social security number. That is the account that's on my credit profile. I then sent a letter with the my credit report and copy of my ID and every other document they asked for. 

I need the accounts removed from my credit report immediately or legal action will be taken.
Consumer complaint received 2022-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Do inquiry on my credit report is fraudulent its not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone number XXXX
Consumer complaint received 2023-06-01
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 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 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I am a survivor of XXXX XXXX. Approximately XXXX yrs ago I had an account I believe with XXXX XXXX. My XXXX had access to the account and created some sort of overdraft. That action caused me to be further dependent on him. I finally got away from him and others prior to him in XXXXXXXX XXXX I've not been able to cash checks or open a bank account. At some point there will be judgements in our cases against those who are further profiting from XXXX using internet sites to sell our XXXXXXXX XXXX XXXX. In addition, my parent passed away and I can't cash the cashier 's checks at even XXXX or any XXXX XXXX or bank. All require an account and even XXXX has my social flagged due to the XXXX XXXX incident that was due to the person who was XXXX  me last. 

I am XXXX XXXX XXXX in the case against XXXX ( etc ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. The description of videos is proof. One being my XXXX is still being sold and profited from on countless websites including XXXX. 

I can't pay whatever amount my XXXX  caused to mess up my credit if I can't even cash checks from my parent passed. It's odd that the internet site/companies all have banking, as they continue to harm us survivors but I can do nothing to be less vulnerable years after surviving what I went through. 

There isn't any way to " prove '' I was XXXX, but I do have records of payments to XXXX. I can as you also can easily XXXX XXXX ( my middle name ) XXXX and see my XXXX  all over the internet. I can also provide the case number with the court in XXXX. XXXX XXXX
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (VA)

I was applying for a refinance on my home in XX/XX/XXXX. During the process, I was alerted that a collection item for {$60.00} had shown up on my XXXX and XXXX credit report. The collection was tied to a agency named Transworld Systems and was apparently from a utility account with XXXX from XX/XX/XXXX. 

I am alleging that Transworld Systems did not provide me with notice prior to reporting it to the credit bureau. When i contacted them, they said they sent a letter on XX/XX/XXXX, but i never recieved it. Then they reported it exactly on XX/XX/XXXX without even giving me a phone call to alert me or ensuring I had recieved the written notice. 


XXXX has already deleted the information because it was inaccurate. However, Transworld is continuing to say it is verified and accurate to XXXX -- despite the fact that it is a disputed debt.
Consumer complaint received 2021-11-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

This is a follow up on complaint ID XXXX. B of A refuses to return my calls, although sending conformation emails for me to respond to. I was notified by email and voicemail that B of A would close the claim today, XX/XX/2021 if we did not have any interaction. 
I believe Bank of America is simply trying to " run the clock '' on this complaint, and they are not dealing in good faith. They refuse to provide a direct email. 

I am quite certain this as a " business as usual tactic '' by Bank of America, they use a third party service to respond to regulators request for resolution. 

Please advice how I can advance this claim beyond the stonewall I am encountering currently. 

Regards, XXXX XXXX
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Timely payments on this account have always been my priority, ensuring they never fall overdue. I'm uncertain about the rationale behind the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.