davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX, DC XXXX Dear Friend ; It has been approximately 45 days since I requested Bank of America to close my account due to expected fraud. A contact with a Bank of America customer service representation concluded with a promise that Bank America would contact me and establish a new account and transfer my banking relationship to that account. This had not occurred. In fact, I have been denied transaction use of the account since. However, I continue to receive low account balances and other info for an account that I can not access. 

I am also requesting the review of the long wait time for Bank Of America Customer Service. 
Recently I was on hold for approximate 90 minutes before giving up. Hi was after two other waits and a called. 

I would also like to bring to your attention to XXXX XXXX. After my XXXX mortgage was transferred to XXXX, I am required to pay $ XXXX for each online monthly payment by phone. 
XXXX states that they will remove the cost if I open a XXXX bank account. As a former Federal Reserve Bank examiner, I know that the bank account would generate hidden balance cost and other undesired inconveniences. This practice is a violation of fair access nad any life based minimum service. 

My third concern is with XXXX XXXX. After applying for an auto loans, I was informed that I was required to purchase an auto from a XXXX XXXX recommended auto dealer. This type of bank tie-in appears to be a conflict of interest for XXXX XXXX which I assume is receiving economic benefits from the dealers. I consider this a form of predatory lending and a violation of fair credit. 



Sincerely, XXXX XXXX, XXXX
Consumer complaint received 2020-07-31
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. (VA)

This inquiry is unauthorized. I already sent a letter to XXXX, Experian and XXXX multiple times but until now, this still is being reported. I never authorized this company to run my file.
Consumer complaint received 2020-07-31
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. (VA)

This inquiry is unauthorized. I already sent a letter to XXXX, XXXX  and Transunion multiple times but until now, this still is being reported. I never authorized this company to run my file.
Consumer complaint received 2023-08-15
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)

I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " XXXX '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.
Consumer complaint received 2022-03-04
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: BARCLAYS BANK DELAWARE (CA)

I applied for a Jetblue Plus credit card in XXXX of XXXX and was approved. The promotional offer was 60,000 bonus miles which I have never received. I met and exceeded all the requirements for their promotional offer. I contacted the Barclay 's via their banking website used to make payments, view statements, etc. There is a specific link labeled " contact us '' which I used on XX/XX/XXXX and asked for statis of my sign-up bonus. No response to this day. On XX/XX/XXXX I sent second message with same inquiry and again no response even though they state quick response. As of XX/XX/XXXX there has been no response whatsoever. I contacted their phone number for customer service and was advised I to put my request in writing and the address to mail my request was the same address on the reverse of my billing statement. I sent my letter XX/XX/XXXX with added expense of proof of delivery. I did receive a response dated XX/XX/XXXX and I quote " We are currently unable to complete your request '' so in essence they can not honor their promotion. It was suggested that I call the phone number on the back of my credit card which I did and with great effort convinced one of their representatives to open case. I was told within 30 days I would receive a response, I have not. On XX/XX/XXXX I called customer service again and was told my case was still pending and " maybe a few more billing cycles will be needed. I asked him what if I never hear back his response was just wait. Help! Thank you
Consumer complaint received 2020-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Terrill Outsourcing Group (AZ)

In 2018, I had received an 6 months interest free loan from XXXX XXXX XXXX for {$740.00}, which has been paid in full. XXXX   assessed late fees on the account ( and compounding interest upon those ) and the cause of late payment was multiple rejected payments from their financial services department due to an unaccepted payment type. 

I made a {$240.00} payment on XXXX and a second payment of {$500.00} on XXXX. The second payment was rejected by XXXX XXXX XXXX due to a payment type of 'virtual card mailed ' not being an accepted form of payment. I had issued the payment first payment from my XXXX and the second from my XXXX. At the time, I didn't know that the payment had been rejected, I just saw that the payment had been issued from my XXXX/XXXX and XXXX XXXX  customer service department had called me to tell me they hadn't received payment. So I coordinated with my XXXX distributor and issued payment again on XXXX, which was again rejected. After multiple phone calls between both the XXXX company and XXXX, I was able to get a number to XXXX XXXX financial services department and finally to understand that the payment type was the problem ( during all of the calls I placed to or received from XXXX   never told me that this was the problem until I was able to speak with their financial services department ). I coordinated with the XXXX distributor and issued the payment again on XXXX. This time it was accepted. 

I continued to receive phone calls and had multiple discussions with collections at XXXX and explained the situation, but they refused to dismiss the late fees and associated compounding interest. On top of that, I've received thousands of dollars of loans from XXXX in the past and had paid each one on time, until this situation. 

Over a year later, I am now receiving calls and mail from a second debt collector, after having provided written dispute to the first debt collector that included payment dates, payment reference numbers, and the contact information to my XXXX company. Not only has my credit been affected but my family members have received collections calls and been harassed for over a year.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Payments were posted in XXXX and XX/XX/2018 for my XXXX  account. Still there is 30 d late reported to XXXX/XXXX and Experian. I asked XXXX/XXXX  and Experian to investigate. They still keep show 30 day late.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Payments were posted in XXXX and XX/XX/2018 for my XXXX  account. Still there is 30 d late reported to Transunion/XXXX  and XXXX. I asked Transunion/XXXX  and XXXX  to investigate. They still keep show 30 day late.
Consumer complaint received 2023-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I had a charge come out XX/XX/2023 in the amount of XXXX, i immediately reported it it was from ad that popped up on my social advertising a machine, so i paid for it once i paid for it i realized it was day trading crypto, i immediately cancelled it on the merchant end they refuse to give me my money back yes i paid for it originally but once i cancelled it i was blocked from the website on the merchant end they wont respond to emails and their is no contact number at all i tried to call its no number to reach them i reported this to my bank as scam my bank closed my account and would not refund me they took my money and i did not get anything. Since than i reported this to the federal trade commission and fraud.gov
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I, XXXX XXXX, authorize EQUIFAX, INC to move forward with this complaint. To my understanding of the law EQUIFAX, INC is violating my consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), transactions or experiences between myself, the consumer, and the person making the report are supposed to be excluded from my consumer report. Payment history is a list of TRANSACTIONS. The amount of credit extended and/or amount of credit being used are EXPERIENCES. This would mean it is illegal to be reporting payment history and the amount of credit extended and/or being used because it should be EXCLUDED from a consumer report. I can hold you civilly liable for {$1000.00} for each violation for willfully violating me pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ). In addition, 15 USC 1666b ( a ) states that a creditor can not treat a payment as late for any purpose. So now the question is outside of transaction history being reported illegally, how can it be reported that I was late on this account if the law states that I can not be late for any purpose. The account shows paid and closed so when was I allegedly late? The unlawful activity that you are participating in has caused me to be fearful of applying for lines of credit because I felt that I ran the risk of being denied.
Consumer complaint received 2021-11-11
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. (TX)

I have been trying to get the credit bureaus to validate these inquiries as I don't recognize any of them. I have requested by certified for the bureaus to send me signed documents from me authorized these inquiries. All I get is " updated/ Factual '' as a result of their investigation. What does this means? This is not evidence or proof. Please have them delete these unauthorized inquiries. 

XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021XX/XX/XXXX
Consumer complaint received 2022-07-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I did not authorize this company " Portfolio Recovery Associates LLC '' to report this on my credit report. Under the FCRA 15 USC 1681b ( 2 ), they have violated my rights yet again. I had this removed off of my report and now it Is back on. 

15USC 1681b ( 2 ) states " In accordance with the written instructions of the consumer to whom it relates. '' I want this removed from all of my credit reports, Ceased & Desist ASAP!
Consumer complaint received 2020-07-31
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. (OH)

I had notified TransUnion LLC. about incorrect information on my credit report on XX/XX/XXXX. XXXX the first attempt, XX/XX/XXXX. the second attempt and XX/XX/XXXX. the third attempt then I called TransUnion LLC. on XX/XX/XXXX. and spoke with XXXX who stated that this would be corrected and that he would note the acct. as C7 and that he seen my accounts are all in good standing as A9 the last time. I stated that XXXX Partial acct # XXXX ... .. as stated before on XX/XX/XXXX and XX/XX/XXXX that I was never late or past due for 30 days on these noted dates and to please correct this inaccurate information to paid ok on these dates to reflect the truth and accuracy of my payment history. I had requested a updated full credit report to reflect these changes which I had never received the report and only received a letter stating that their investigation was complete on XX/XX/XXXX and that this account was verified which turns out that I was told a Lie because, I contacted the creditor direct by phone and they stated they had not spoken to TransUnion LLC. and they do not even understand why my credit report would reflect late payments when I was never late in my payments. I have told TransUnion LLC. this information told to me by the original creditor but, TransUnion LLC. has still not taken any action or even supplied me with any Validation of information, evidence, proof and steps as well as who they claim they spoken with at XXXX. TransUnion LLC.Credit Bureau is required by the Fair Credit Reporting Act to furnish me with this information requested by the consumer and they did not do so which is in clear Violation of FCRA rules. TransUnion LLC. is currently still listing inaccurate information on my credit report and is in Violation of FCRA rules that states the information by Credit Bureaus must be 100 % accurate, and it is not so please correct this information or it Must be Deleted from my Credit File per FCRA.
Consumer complaint received 2022-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

Synchrony bank is reporting an account as charged off and verified the account as accurate on a recent dispute with all 3 CRA 's. They have FAILED to provide me with the following : PROOF THE ACCOUNT IS MINE MY SIGNATURE ON ORIGINAL CREDIT CARD APPLICATION ORIGINAL TERMS OF THE ACCOUNTS SYNCB/XXXX XXXX SYNCBXXXX XXXX  I can not get a live person on the phone with the company yet they verify fraudulent information. See attached results from XXXX
Consumer complaint received 2018-05-10
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)

Ive been fighting to two collections on my consumer report. Both are listed as XXXX XXXX XXXX problem we dont know what that information relates or who it relates too but we know its not us. This is being disputed at Experian and XXXX and needs to be removed.
Consumer complaint received 2020-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

Congress passed the CARES ACT in response to COVID-19 Pandemic to help consumers with issues that may arise from becoming ill or financially burdened effecting there ability to make there financial obligations on time and effecting there households adversely. I became sick due to COVID-19 during the month of XXXX and was ill for weeks, during my illness I thought I paid my mortgage payment. I went through all the steps but the payment did not go through I was in XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX because of pandemic, I payed my XXXX mortgage payment and assumed I was up to date with payments, I was contacted and made aware that a past 30 day derogatory mark was made on my credit report affecting me adversely, I contacted my mortgage company SELECT PORTFOLIO SERVICING and they informed that I didnt make the payment for XXXX and I still owed XXXX, I checked my bank statements and realized it wasnt paid, I quickly brung account to good standing. I explained to SELECT PORTFOLIO SERVICING what happened and asked if they could make a one time  exception and remove 30 day derogatory mark from my credit report and they are currently refusing and taking GREAT pride in ruining my exceptional credit history, which is partly why the CARES ACT was drafted. I have not been over 30 days late on any of my payments for any company that I make payments to especially SELECT PORTFOLIO SERVICING, As I stated earlier they are refusing to remove the derogatory mark from credit report even though Ive never been pass 30 days late, We are in a exceptional time in history with people falling ill and some passing way due to COVID-19 and for SELECT PORTFOLIO SERVICING not taking these times into consideration is Egregious to say the least. During these times of uncertainty the CARES ACT was drafted to make accommodations for borrowers.These accommodations will help Americans and the economy because we rely on credit. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers.
Consumer complaint received 2021-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2021, I received a letter from a collection agency stating that I owed XXXX {$330.00}. I knew this was false because I have never used XXXX, nor have I even ever opened up an electric bill in my name. I had roommates and another address and our electric was through a different company and it was in my roommates name. I lived at my previous address for two years, which outdates this false claim to me, being 1 year ago. 

So, number 1, I have never had an electric account in my name. Number 2, the address listed on my my credit report that is associated with the XXXX account is not mine. Number 3, I lived at my previous address for 2 full years which outdates this false claim. Please help.
Consumer complaint received 2018-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

EXPERIAN - Today I received a report from Experian notifying me that my Fico Score had dropped 23 points since my last report. This makes no sense since the only change is adding a credit card from XXXX XXXX. Additionally, I have supplied information on PreAuthorized Checks for XXXX XXXX that can not be refuted. This unrefutable information was ignored by XXXX, Experian, XXXX and XXXX. This report also states three ( 3 ) late payments, the only late payments that are under dispute are XXXX XXXX  and XXXX XXXX. XXXX was investigated by the FBI and found to have forged documents. I have attached information for review and request an explanation.
Consumer complaint received 2020-07-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I spoke with Capital One yesterday about an account that was opened in XXXX of XXXX and closed in XXXX. They continue to report late payments even though the card is paid in full and closed. 

This last time they reported 120 day late payments every month from XXXX. This is having a substantial and negative impact on my credit score. 

I have spent 3 years trying to resolve these issues. They continue to report as if my card were open and I am making late payments. 

I asked them to look into this account and why it is reporting late and they say the can not find the account and that there is nothing they can do. 

The told me that all I can do is dispute it with XXXX. 

I told them that they are reporting it to XXXX  so they need to fix the problem and stop reporting late payments. They refuse and they will not take responsibility for their problem and fix it. 

Please help me resolve this issue so Capital One doesn't continue to report late payments on an account that was paid in full and closed more than 10 years ago. 

Thank you!
Consumer complaint received 2022-07-23
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. (MI)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX