davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I recently opened Bank of America Unlimited Cash Rewards Visa signature card and, within few weeks of use, started seeing unexpected " foreign transaction '' fees popping up, few dollars here and there. 

At first I thought that my account was compromised : I never made a purchase in a foreign currency, with foreign merchant, or traveled outside US since opening this card. 

But then I realized the fees must have been " related '' to an art fair happening in XXXX ( ticket price : {$98.00} ) and a concert happening in New York ( ticket price : {$55.00} ). I made a purchase from a US merchant based in California ( XXXX ), and in US dollars. What makes these purchases " foreign '' is completely beyond me. 

This is a direct violation of cardholder agreement with Bank of America that states only purchases made in foreign currency or with a foreign merchant while traveling abroad are subject to this fee. 

This is also a serious breach of trust. It is impossible to know in advance which purchase will be classified as " foreign '' by bank of America. You will only find out after making a purchase. The practice is not disclosed during advertisement of application process. 

Buying a new watch on XXXX XXXX in New York? Better not be Swiss a watch, don't shop at XXXX or pay a foreign transaction fee. 
Hungry and want a sandwich from XXXX XXXX  XXXX? It is a British fast food chain, you will pay foreign transaction fee. 
Shopping at immigrant-owned business or dining at a Mexican restaurant? There is clearly a foreign connection here. 

My salary is deposited to a Bank of America checking account, and I am now worried that Bank of America is going to invent a " salary deposit fee, '' better check my statement carefully. Or even better, find a new bank.
Consumer complaint received 2020-02-21
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. (AR)

My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact the IRS to take measures. I soon received a call from a collection company as well that I owed them money. Everything was making sense after I found out my identity had been compromised. My name and social security has been used for quite some time now and there was several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX  {$840.00} XXXX XXXX XXXX {$790.00}
Consumer complaint received 2020-02-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

After getting a recent report of my credit report, there is a collection I am unaware of. I became aware of this because I am trying to apply for a home loan. The original creditor is XXXX XXXX, but now has been sold to Portfolio Recovery Associates, LLC. 
They are claiming that I owe XXXX XXXX {$140.00}. I never applied for a card in 2015, I never received a card In 2015. 
When I asked for proof of this, or any documentation showing my authorization of such card, they provided me with a letter. This letter just says the day they sold the account to this third party, with my name issued on it. They are claiming this is the proof to validate this account. 
This does not prove anything, and does not give me correct documentation, proving I am the owner of this account. 
When I initially disputed this as fraudulent, XXXX XXXX opened an investigation, and recently as of the XXXX, has closed the investigation because they prove this account is factual- because of these 2 pieces of info : your address matches, and your phone number matches. Regardless if they have a phone number and address, anyone can have this information, and open a card. That is not proof to me of the validity of this account. And XXXX XXXX is saying that is all they need to prove that its mine. They are also saying there is nothing I can do, because they closed the investigation, and it is final. What am I supposed to do now, knowing that an account is not mine, and they keep coming back saying it is, and there is nothing I can do about it?
Consumer complaint received 2020-02-21
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. (AR)

My identity has been compromised. I tried to file my tax return and the tax professional told me that my social security had been used already to file tax returns. I had to contact the IRS to take measures. I soon received a call from a collection company as well that I owed them money. Everything was making sense after I found out my identity had been compromised. My name and social security has been used for quite some time now and there was several accounts that had been open under my name. These things on my credit are not mine. Please remove these things from my report. 

XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$790.00}
Consumer complaint received 2020-02-21
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. (NV)

I AM VICITM OF IDENTITY THEFT, I HAVE REACHED OUT TO THE BUREAUS NUMEROUS TIMES AND REQUESTED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. I HAVE SENT MY IDENTITY THEFT REPORT TO THE BUREAUS AND DIRECTLY TO THE CREDITOR. WHAT I DON'T UNDERSTAND IS WHY DO I KEEP SENDING TO THE MY IDENTITY HTEFT REPORT IF THEY ARE NOT GOING TO HONOR ANYTHING, MY STORY IS THE SAME, I AM VICITM AND I NEED THE BUREAUS TO UNDERSTAND THAT. I AM VICITM, I AM VICTIM, THIS FRAUDULENT ACCOUNT NEEDS TO REMOVED.
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

In XXXX of 2019, I received a promotional offer from Citibank offering me {$500.00} when I opened a new Citibank checking account and deposited {$15000.00} within 30 days and kept it in for 60 days. 

This was the link I was given in order to sign up for the checking account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see the attached screenshot of the promotion I was given by Citibank. 

I then signed up for the checking account directly from this link and followed all of the instructions as given - I even checked with Citibank chat support and confirmed that the promotion was linked to my checking account, and that I just had to wait 90 more days after maintaining the initial 60 day minimum balance in order to see the {$500.00} arrive in my checking account. 

Last week, imagine my surprise and extreme frustration when I was told that there is now NO promotion linked to the checking account I created, and that there is no bonus to be received. Please escalate and validate/make things right here, as I have placed too much money into a checking account for too long to be receiving literally nothing for it due to a mistake from Citibank 's side.
Consumer complaint received 2018-11-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC (FL)

On XX/XX/2014 account was opened. I went to the dentist but used my insurance which everything should had got paid for. I got a derogatory remark on XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and either pay off the debt or get this negative remark removed from my reports.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NC)

Hello, Ive been trying to gain access to my Equifax and XXXX personal accounts online and it keeps telling me that my login information isnt correct meaning someone else has gained access to them and changed my contact information. After trying to reach these two credit reporting agencies for several weeks and verifying my identity and information, they never gave me access to my online accounts.
Consumer complaint received 2018-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

In 2007, I took out a mortgage loan with XXXX XXXX XXXX for {$400000.00}. I defaulted on my payments and have been trying to work with the bank to find some sort resolution. I've submitted a mod a couple of times each time they've denied me.
Consumer complaint received 2020-07-29
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. (VA)

As of today, XXXX is continuing to report on my Equifax credit report XXXX student loans that were included in chapter XXXX bankruptcy in 2019 as having balances and in charge off status ( the other bureaus have deleted or corrected this info ). I have notified XXXX and they have closed out my disputes as duplicates in error without addressing the issue related to my bankruptcy filing in 2019. The issue that I reported previously regarding these loans was in regard to the original delinquency dates, which is another matter. Regardless of the original delinquency date dispute, these loans were included in bankruptcy on XX/XX/2019 and discharged on XX/XX/2019 & XXXX was obligated at that time to report a zero balance on all of the loans they held at that time and stop reporting charge offs. Not only did they fail to do so, but I have now notified them a total of 5 times in writing that they have ignored. I need this immediately fixed on my credit or I will file suit within the next 14 days. These are old accounts that should not be reporting any activity since the bankruptcy. 

I do not agree that I owe this debt and nothing in this correspondence is an acknowledgement of any debt.
Consumer complaint received 2021-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

My Equifax credit score has been blocked from all monitoring sites by Equifax since XX/XX/2021 when it was at XXXX. I am the victim of identity theft from my storage being broken into and im also trying to purchase a house to get my family out of the bad situation we are in due to the coronavirus. I have made numerous attempts to call Equifax and rectify this situation but those attempts have failed. I have been told things like its a technical issue but they can see my information on their end, or that I have no lines of credit on my credit report which I know is a lie because I have credit cards and loans on my report, or the problem is I need to sign up for the upgraded package and I did and that didnt work because of the block they have on my account, and the latest excuse was I need to submit proof of my identity because I have 2 Address on my account so i sent this information 3 weeks ago and was told this information was all I needed to restore my account. I called this week and was told the documents was unclear and to send them again which I did and I am still not able to see my reports and they are still blocked on all sites. My XXXX account was deleted because Equifax will not continue to provide my score and this is the reports real estate companies need to approve the house. All I want is my score restored because I have no idea way it was blocked in the beginning. I have sent all documents to prove my identity so please fix this immediately on your end.
Consumer complaint received 2023-02-10
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. (PA)

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-04-17
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX XXXX : Unauthorized Credit Inquiries to Whom It May Concern, I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiries removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. I am a victim of fraud and have a police report on file. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Inquiries : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 

Thank you, XXXX XXXX XXXX.
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2021 at XXXX XXXX XXXX, I phoned Capital One. At XXXX XXXX XXXX answered. 

While I was mostly on hold, at XXXX XXXX, XXXX informed me that she would not provide me with the information that I requested. 

Specifically, I require 1.the balance on the Capital One credit card that I closed, 2. the copies of my statements, or a payment history that reflects payments made, 3. the Capital One address that will provide the answers to my inquiries in writing.
Consumer complaint received 2019-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have issues with inaccurate reporting before. XXXX is continuing to report the account as delinquent. I have filed a previous report with CFPB due to inaccurate reporting and problems paying the debt. This account is not delinquent, and it has been managed through a debt consolidation program since XX/XX/2017. The account is being paid in full, and it was not delinquent during the onset of the implementation of the debt management. 

Inaccurate reporting on the behalf of XXXX is continuing to further damage my credit score and cause undue stress.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Waypoint Resource Group, LLC (FL)

I checked my credit report through XXXX XXXX on XX/XX/2020 and noticed a fragulent report from Waypoint Resource Group in which they falsely claim that I opened an account with them on XX/XX/2020. I did not open any new accounts with them and they are using identity fraud if they say otherwise. This incident has negatively affected my credit score as they claim that due to this fraudulent account that I owe them {$310.00}. It is my understanding that Waypoint purchased a very aged collections account from XXXX, they can not produce any old debt showing that I have had any account with XXXX.
Consumer complaint received 2020-02-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I sent ARS Account Resolution Services a letter on XX/XX/XXXX requesting they verify the validity of debts reported on my credit report. They have failed to respond or provide me such verification. I checked my credit report today and they have added yet ANOTHER account to my credit report between XX/XX/XXXX and XX/XX/XXXX. In which I did NOT receive any notices which they are required to do : Between XX/XX/XXXX and XX/XX/XXXX, a new account in collections was added to your report. The collection agency is ARS. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXX 

Upon further research of this company I have found that they are not licensed in the state of Florida to collect debts in which I have proof of.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I applied to and was approved for a credit card with XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX in XX/XX/2016. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as Equifax, XXXX or XXXX  as an account and one in good standing. The credit card limit is {$6800.00} Please have them ( XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX  ) report this credit card account to Equifax, XXXX  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

Hi My Name is XXXX XXXX, I have a checking account with Citizens Bank ends in XXXX, I had submitted payments for my county taxes, XXXX energy payments, phone bills, internet bills, utility bills, all payments were rejected by the bank for no valid reason, when i went to the bank i was informed that there is a freeze on my account, I'm not a party to any pending legal lawsuit, I'm not a party to any garnishment or forfeiture, the bank manager at the XXXX XXXX XXXX refused to disclose any information to me, treating me like a criminal for no reason other than being arabic and a female simple and clear.she said she said she would need my lawyer so she can tell him whats going on. 
The next day i went to the branch with an attorney, to make it short, the bank still declined to release info other than a phone # to call. 

the lawyer told me he cant do anything other than suing the bank because what they are doing is completely illegal, so he advise me to try to report this to CFPB to see if they can help resolve this issue because it is a mere violation of anyone rights. 

I would like this incident to be investigated, i want copies of any documents in teh bank possession in reference to this matter, I wont release the bank from any liability and damages that occurred to me as a result of their irresponsible action, the bank has a duty to investigate any allegation, and can only act upon an order from the court, which appears to be NO VALID court order to do what the bank did. 


P.S NOTE : I reserve all my right to file separate civil action against Citizens Bank, for breach of duty, violation of FCRA, Discrimination based on religion and ethnicity, and intentional infliction of emotional distress. 


Unfortunately I have NO DOCUMENTS to attach since the BANK REFUSED to give me any piece of paper.
Consumer complaint received 2020-02-21
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. (LA)

I noticed a credit card from XXXX XXXX. It is not mine. I contacted this creditor and informed them that this is fraud. I don't have this card and never applied for it. They are still reporting it on my credit and whoever has the fraudulent card is still charging on it because the balance is steady going up. XXXX XXXX never even closed the card out
Consumer complaint received 2021-09-23
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. (SC)

On, XX/XX/2021 I submitted letters to the credit Bureau on some things that was present on my credit file that was incorrect. Those accounts are paid in full. I asked they be removed from my credit file. They have a XXXX balance. I'm getting denial based on their inaccurate reporting.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I applied to and was approved for a credit card with XXXX XXXX XXXX aka XXXX XXXX Credit Department in XX/XX/2016. I have made all payments on time. This account has not being reported to any of the THREE MAJOR credit bureaus, such as XXXX, XXXX  or XXXX  as an account and one in good standing. The credit card limit is {$6800.00} Please have them ( XXXX XXXX XXXX aka XXXX XXXX XXXX Department ) report this credit card account to XXXX, Transunion  and XXXX  Credit Bureaus as it is positive credit history with a balance of {$00.00} with on time and no late payments, that will inevitably be favorable on my credit report and will help to increase the score.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and delete for erroneous reporting in my file and is listed on my credit report XXXX XXXX XXXX XXXX XXXX Balance {$6200.00}