davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My husband and I have a joint credit card with bank of america XXXX. This card was solely to be used for vacations due to the rewards and great benefits of being XXXX members. In XX/XX/2018 we increased our credit limit on that card to {$4000.00} for a much needed summer vacation. The following month in XX/XX/2018 my husband lost his credit card and unfortunately the card was used to purchase merchandise in a retail store 'XXXX XXXX XXXX ' to a tune of {$3700.00}. We called in the fraud claim and the credit was reversed in our favor. A couple of months later the fraud charge was still there. We called in to Bank of America and they stated that the claim was reversed because we made the purchase. Very confusing because the card was not in our procession at this time of purchase. We called in today, XX/XX/2018 to confirm that we received the sales receipt that had the signature of this purchase -- and it was not our signature on the receipt. We faxed in to bank of america the signature verification form of both our signatures to prove they do not match this fraudulent signature. When we called in we asked for on update and the represeantive stated that we stated that we never received the cards which is a false claim. We were also told that the original claim was opened as an dis=tue not a fraud claim all of which is an error on Bank of Americas end not ours. We further found out that on the day of this transaction it was declined twice and who ever had the card called into bank of america to confirm the purchase was valid. Again this is very suspicious. Furthermore they are claiming that this person called into the bank of america call center from my phone which is another false claim. We have been battling with Bank of america for 5 months about this charge. This charge is out of the normal spending habits on our account and we should not be liable for this charge due to the burden of proof we provided bank of america. My concerns now due to this claim still being active on my account we are past due on the account and have a late payment which inturn is effecting our credit scores which will directly effect the ability to obtain any futex credit and or effect my ability to refinance my home loan which we are planning to do. This is a very serious matter that bank of america is using every loop hole not to assist there customer in any way. We received a letter that this was reversed in our favor and then it wasn't. We made this purchase because someone called in and approved it, very confusing from a consumers end. I hope that this can be resolved in the most expeditious manner possible - so that my credit report can be cleared of these fraudulent charges. 
Thank you XXXX
Consumer complaint received 2024-02-08
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: Experian Information Solutions Inc. (FL)

I was not aware of the existence of this account until XX/XX/XXXX while apartment hunting, and I checked my credit report XXXX weeks prior and it was not there. I was shocked because I have never used this company. I am working to investigate this account on my end. 
I have reached out to this company several times to request a thorough investigation and it has been incredibly difficult to talk to someone who can handle this situation. They have not made any true effort to investigate, they have not provided any writing ( and I see that this loan was from XXXX ), and they will not responded to any correspondence I send. 

In addition to previous information I have given, I am adding that I also never received any form of a XXXX regarding this account or received any form of communication regarding the status of this account over the course of XXXX years. The first time I have had contact with this company was in XX/XX/XXXX to question them about this account. 

I do not recognize how this account is reporting on my credit report. I do not recognize the account number, status, balance, nor the payment history reported. It does not meet the FCRA
Consumer complaint received 2023-08-21
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: OneMain Finance Corporation (TN)

On XX/XX/XXXX, I sent a letter out disputing 2 accounts that were reporting inaccurate information. One account was still reporting activity each month even though the account was closed, and the balance was wrong on the account. The other account was missing information for XXXX XXXX XXXX and reporting late payments when it was a billing error back in XXXX XXXX XXXX. I was never late pursuant to 15 USC 1666B Timing of Payments. They came back on XX/XX/XXXX, updated and verified with the problem unchanged. Nothing was updated and it still reported inaccurate information. 15 USC 1681eb speaks on Credit bureaus assuming a role and has an obligation to make sure that every piece of information on each account is Maximumly accurate. They did not do that for me.
Consumer complaint received 2020-12-16
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. (NY)

On XX/XX/XXXX, I asked XXXX, Experian and XXXX to verify two accounts ( XXXX XXXX and XXXX ) that were reporting inaccurately. They responded on XX/XX/XXXX stating that the Original credit, past due, terms and rating were updated on the XXXX Account for XXXX and the XXXX   account remained the same. 

I then responded on XX/XX/XXXX to XXXX, Experian and XXXX because XXXX was still reporting inaccurately with three different months for the same late payment. XXXX reported XX/XX/XXXX, Experian listed XX/XX/XXXX and XXXX reported XX/XX/XXXX. XXXX  has since removed the late payment, however, it remains on Experian and XXXX. If the same creditor is verifying payment history on the account to all 3 of these bureaus, then how can the dates be different across both bureaus? 

I also responded to on XXXX XXXX to the XXXX account still reporting inaccurately with different dates of last activity. XXXX has it listed as XX/XX/XXXX, Experian has it listed as XX/XX/XXXX and XXXX has it listed as XX/XX/XXXX Again, how can these dates be different if the information is being verified with the same creditor? 
The bureaus responded and XXXX is still reporting with different date of last activity as XX/XX/XXXX for XXXX, XX/XX/XXXX for Experian and XX/XX/XXXX for XXXX which is inaccurate.
Consumer complaint received 2020-08-01
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 — Problem with personal statement of dispute
Company: Colony Brands, Inc. (NV)

When our state closed down my business was force to close and I had no income, I contacted all my debtors and notified them that I would pay what is owed when our state opens back up. All agreed and followed through except one who I contacted two weeks in beginning of XXXX. I called and told them and they said it was ok and to just get caught up when we reopened. I told them this was not my fault. When I called the call center was backed up and and they were trying to rush through my call. The business was XXXX XXXX. In 90 days I totally paid off the account in whole and they did not close it as requested on the phone while making the payment. They then reported me 90 days late and delinquent. It has not updated. In months and I requested a investigation to clear their error and they have not done so. This is the only company now refusing to change my credit account rating on XXXX XXXX which is ruining my credit rating for any future credit. I only carry two credit cards and both are paid off monthly and I have one car loan. They refuse to admit their error when they told me they would not ding my credit due to COVID 19 shutdowns. I just want them to show on the report it was paid and that I did call for assistance on time to pay.
Consumer complaint received 2019-09-16
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: CAPITAL ONE FINANCIAL CORPORATION (SD)

In XX/XX/XXXX I applied for a new Capital One Venture Credit Card that offered a 0 % balance transfer offer. When I received the card I tried to transfer a balance to the new credit card and was told by the representative that the card I received did not have the 0 % balance transfer offer and a balance transfer would have 20 % interest. I then asked for it to be corrected. The representative told me that they could not correct it. I then told them that I would be reporting this fraudulent offer to Consumer Protection Agency and asked to close the account.
Consumer complaint received 2018-12-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (NY)

Date:XX/XX/2018 Amount:XXXXHKD Action : purchasing contact lens from XXXX, and then received damaged item. Not willing to refund me, after contacting PayPal, they can only send refund if I pay for the returning shipping which is half of the price of the contact lends that I bought. So that means I only receive partial refund by paying for the sellers fault. The PayPals buyer protection actually protecting the seller!! Trying to dispute this charge from my bank account, but it seemed to late since I wasted my time on communicating with PayPal! Lesson learned!
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (CT)

I checked my credit report recently and noticed credit hard inquiries that I did not authorize made by companies : 1 ) amex on XX/XX/XXXX and XX/XX/XXXX 2 ) XXXX XXXX XXXX on XX/XX/XXXX 3 ) XXXX card on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 4 ) XXXX / XXXX on XX/XX/XXXX I did not authorize any employee by these companies to make any hard inquiry and view my credit report
Consumer complaint received 2019-09-16
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: JPMORGAN CHASE & CO. (CT)

I checked my credit report recently and noticed credit hard inquiries that I did not authorize made by companies : 1 ) XXXX on XX/XX/XXXX and XX/XX/XXXX 2 ) XXXX XXXX XXXX on XX/XX/XXXX 3 ) XXXX card on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 4 ) XXXX  / XXXX on XX/XX/XXXX I did not authorize any employee by these companies to make any hard inquiry and view my credit report
Consumer complaint received 2018-08-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc. (CT)

On XX/XX/XXXX around XXXX XXXX  in the XXXX, I have received a voice mail from an Eastern Accounts System Representative, stating that I have a bill with the XXXX Hospital which totally disagree with that debt because the hospital bill took care of my hospital debt already with the help of XXXX who represents the Registration Department of the XXXX XXXX  XXXX XXXX through a financial assistance hospital program, then the caller hung up without notifying myself about forwarding my debt to the credit bureaus.
Consumer complaint received 2019-09-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Simon's Agency, Inc. (NJ)

DEAR CFPB, MADAM/SIR : On : XX/XX/2019. Simons Collection Agency send me a letter that I owe my provider ; XXXX XXXX XXXX the amount of : {$16.00} Than on : XX/XX/2019. I Responded via U.S. MAIL, that this debt was already PAID BYE XXXX. Today, XX/XX/2019. Around! XXXX XXXX New Jersey time. I received a telephone call from unknown male person that refuse to give me his name and He stated to me that he was calling from XXXX XXXX XXXX, asking me to give him : 1 ) my date of birth and 2 ) My adress. I told Him that i DO NOT GIVE NO NAMES OR ADRESS TO NO BODY ON THE TELEPHONE. And when i called his telephone number back he was not form XXXX XXXX XXXX. He was from Symons Agency debt collector. I called than my provider XXXX XXXX XXXX and told the lady that some body call me asking for my date of birth and adress and that was FRAUD. I also in my letter dated : XX/XX/2019 to Symons agency to please NOT TO CALL ME, NOT TO HARRAS ME, NOT TO THRETENING ME< AND NOT TO CONTACT ME ANY MORE AS PER FEDERAL AND STATE LAWS DICTATE. Thank you : Respectfully yours : XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (TX)

I have reviewed my credit report and noticed that this accounts is fraudulent I file a FTC identity report I file a police report also I reach out to the creditor got no response with the information here, such as an account opening was made without a permissible purpose. As a result, this information is inaccurate and should be removed & deleted from my credit report asa
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC. (FL)

I am XXXX XXXX XXXX in the estate of XXXX XXXX XXXX. The final action I am trying to do was to close the estate account number. Santander bank issued me check number XXXX date XXXX XX/XX/XXXX. The problem is the check was made out to the account that was just closed. My bank refused to deposit the check. 
After many calls I was instructed to return the check to : XXXX XXXX XXXX, Ma which I did. I received a letter dated XXXX XX/XX/XXXX from XXXX XXXX  and was told they are a back department and does not deal in monetary instruments. They did not return the check. 
On XXXX XXXX a supervisor named XXXX XXXX told me the check would be canceled. He did not say if and when I would get a check reissue.
Consumer complaint received 2019-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: SYNCHRONY FINANCIAL (CO)

Synchrony Bank has held at least two accounts of mine. Lowes and J.C. Penneys. On both accounts I made regular on time payments which I habitually do for all of my debts which my XXXX credit numbers reflected.The last bills I recieved from these two accounts showed a XXXX balance. I NEVER RECIEVED ANOTHER BILL FROM SYNCHRONY BANK AFTER THAT, SHOWING I OWED THE AMOUNTS DUE WHEN THE COLLECTION AGENCIES CONTACTED ME. I had no idea I owed these amounts.I have paid what I owed as soon as I was contacted by the collection agencies. My credit is now ruined for the next 6 years because of this bank 's actions.XXXX  XXXX
Consumer complaint received 2019-09-16
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Certegy Holdings, LLC (FL)

XX/XX/2019 {$20.00} declined on Sunday I was at work and tried to pay for dinner my check was declined by " Certegy '' no reason. Called the bank the next day, my account was OK no reason the decline. Called Certegy was told no real reason for decline. Was told I wrote a check the night before and the banks wouldn't have time to verify if I wrote another check????? Who is this company and where does it gives the right to decline a check if there is money in the bank?? Then when you call, they want ALL your info. driver 's lic. bank account numbers. who are they and what are they going to do with it???
Consumer complaint received 2019-09-16
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. (FL)

I have contacted this company any times by mail and have not received any help or respond. Their customer service would not help take care of the UNAUTHORIZED negative inquiries reporting My credit report. The inquiries are listed as follows : XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX Inquiry : XX/XX/XXXX, XXXX Inquiry : XX/XX/XXXX,  XXXX XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2019-09-16
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. (FL)

I have contacted this company any times by mail and have not received any help or respond. Their customer service would not help take care of the UNAUTHORIZED negative inquiries reporting My credit report. The inquiries are listed as follows : XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX  XXXX  XXXX Inquiry : XXXX. XXXX, XXXX, XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

Chase states that a letter was sent. We never received one. The only way to prove that someone received a letter is to send it certified mail, return receipt requested. I will repeat, we received no letter. Without notice our credit limit was lowered. We have no late payment history. We have not been using our card and trying to pay it off. The credit limit we had reflected a 72 % usage. By lowering our credit limit, it made it so it is reflected that we have a 96.97 % usage. ***These exact numbers are from my XXXX  account which notifies me if there are any inquiries, etc on my credit report. My Wife and I WOULD NEVER use any card or product with this level of utilization because we know that this would be extremely damaging to us. By doing this it has caused a decrease in my Fico score of over 20 points. This was also done by Chase Bank to another card. The damage was not as significant as this. There are no negative items or excessive inquiries on our report to explain damaging a good  consumer and a customer like this especially in these trying times. We request that this damage, that appears to be deliberately done be reversed immediately. Thank you.
Consumer complaint received 2018-12-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (OH)

I've had a PNC XXXX XXXX account since XX/XX/2010, the account was with me from XXXX   to XXXX, now XXXX. The account had become overdrawn due to a dispute on a merchant transaction which was not authorized. PNC, provided provisional credit during the time of review with the merchant. Per my understanding, the merchant provided information stating the charge was valid. I did not have time to rebuttal their claim. Therefore, PNC withdrew the funds from the account. I was not aware that the account had become overdrawn. I received a statement the other day showing a negative balance of XXXX roughly. This now is reported on XXXX XXXX and XXXX XXXX as I've got a charged off account. Had I know this occurred, I would have put the money back into the account putting it at a XXXX balance. PNC never called me, never wrote me asking to put money in the account.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mr. Cooper Group Inc. (SC)

In accordance with the fair credit reporting the following : XXXX XXXX ( XXXX XXXX XXXX ) Nationstar/Mr Cooper ( XX/XX/XXXX XXXX XX/XX/XXXX, XXXX and XX/XX/XXXX ), and XXXX  ( XXXX and XX/XX/XXXX, XXXX and XX/XX/XXXX ) has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a- Definitions : rules of construction Exclusions.-except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose I have contacted these companies with no success.
Consumer complaint received 2023-03-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (TN)

This company was sent various certified letter 's requesting for my name to be disassociate from there company. I've never had any contractual agreement with Wakefield and Associates, nor have I signed any paperwork or documents stating that I agree to pay this company. The company sent me a letter stating that they will cease all credit reporting. This company continues to provide fraudulent reports.
Consumer complaint received 2019-09-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I have paid my mortgage payment on time for the last 3 years. I filed bankruptcy in 2014 but again ; still maintained my mortgage. The mortgage company has apparently lost 2 of my payments in the transition of selling my loan and i have sent copies of the cashed payments several times ( 7 ) but they have to be located and applied to my account. I have called the Mortgage company at least 3 times a month trying to rectify this situation but to no avail. They have now reported me to the credit bureau as missing a payment in which i have not. I am at a loss as what to do. I have asked for a copy of my applied payments for the last 2 years and was advised that I would have to pay {$10.00} to obtain this information. My phone calls do not rectify the situation and i continuously receive letters threatening foreclosure. This is Not fair. I advised them that i was going to file a complaint ; it was as if they did not care and were not concerned. I am in need of your assistance. I am sure they and other mortgage companies have done this to others and I need it to stop. Please assist me in doing that.