davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-14
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: Bread Financial Holdings, Inc. (NY)

Reported XX/XX/XXXX to comenity MasterCard Mailed requested documents twice in XXXX & XXXX Used the secure message center to submit all documents multiple times - sent XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : Have received 6 letters stating that I needed to submit more information and each time I have asked what specifically. 
Have called multiple times and even spoken to supervisors XXXX on XXXX & XXXX XXXX XX/XX/XXXX, both of them emailed the dispute department on my behalf because they both agreed that I sent everything that was requested. All messages can be viewed by comenity as they are in the SMC app. All notes can be seen on my account as every time I call they notate. I have spent over 10 hours on the phone with this company and they still havent even said that they have what they need to investigate! They have closed the claim twice stating that I havent submitted proper paperwork but no one can tell me what I have to submit. This process is the most ridiculous circus I have ever been involved with. I will continue to fight and report them to anyone that I can.
Consumer complaint received 2019-05-14
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. (MD)

On XX/XX/2019 I sent all three credit bureaus Transunion/XXXX/XXXX certified documents in regards to my credit file. On my credit file its reflecting 10 late payments on my XXXX XXXX XXXX which is not correction ; It should only reflect 2 late payments ; in addition its reflecting 2 late payments for my XXXX 's accounts and Personal Loan which is not correction ; these account were NEVER paid late. I am disputing all inquires on my credit files I have requested on numerous of occasion for all three credit bureaus to provide full documentation regarding the circumstance surrounding my release of my credit file ; pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? I provided the dates fro all 5 inquires from TransunionXXXX/XXXX. I requested if they were unable to provide such documentation you are obligated to removed the offending inquiring at once ; which is damaging my credit rating. I have sent 3 certified letters and 3 regular letter without certification. I have been having this issue to the late 3months with no response.
Consumer complaint received 2020-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Asset Management Outsourcing, Inc. (GA)

Whom maybe concern I'm having problems With a dishonest company. Nationwide Recovery Service. I feel like I was the force to do Business with them. They never let me know about the contract law. That I was in the right not to business with this company. Now they put a debt collector on My credit report. I never sign a kind of release form with the company. I want to remove the company from all three credit bureaus of my credit reportthe reason for misleading and extortion money from me.
Consumer complaint received 2020-06-27
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 (CA)

I had a credit card issued by Bank of America for 6+ years. I always paid on time, was never late or delinquent. Never had any problems. All of a sudden and without any prior notice the bank closed my account. They sent me a letter a week after the fact.
Consumer complaint received 2018-06-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Marvin S. C. Dang, LLC (HI)

Wages were garnished without proper notification. My wages are being garnished from a debt incurred in 2000 based on court documents. I did not have the opportunity to dispute, review, or offers to settle. This debt is not on my credit report, I have no information on the debt. I am able to access my credit report and debts incurred and have no dispute against my obligations, however ; I do not have any information regarding this debt. 
Legal Firm responsible for garnishment : Marvin SC Dang LLC XXXX Hawaii
Consumer complaint received 2021-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/XXXX I entered my local branch of Bank of America ( XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) and made a check deposit of {$8700.00} the check was from XXXX, a publicly traded entity of which I hold stock. I have had this account open since XXXX of XXXX and since that time there has been roughly {$90000.00} in deposits made to this account. The issue at hand is the branch manager told me that {$5300.00} of the total check amount ( {$8700.00} ) would be available for me on XX/XX/XXXX and that the remainder would be made available to me the following week ending in XX/XX/XXXX. I accepted those terms and proceeded to make the deposit. It was not until the morning of XX/XX/XXXX that I received an automated email from Bank of America stating that the entirety of the check was to be placed on hold until XX/XX/XXXX. I called the branch at XXXX XXXX and spoke to their banker named " XXXX '' he took down my name and telephone number, told me the manager was speaking to a customer and he would have her call me back the moment she becomes available. During that time I proceeded to call the customer service number for Bank of America Corporate Offices. I raised the issue to the highest possible level. The supervisor gave me his ID NUMBER : '' XXXX ''. I lodged a formal " internal complaint '' with that supervisor against the branch manager who handled the deposit for providing me misleading information which I believe is predatory in its nature. The motive being to secure my deposit and provide me with reasoning to do so that was completely false. 

I am filing this complaint as I am completing the process of speaking to them on the phone, the duration of this phone call has been 91 minutes and 26 seconds. During this time I have still yet to receive a call back from that branch XXXX it is currently XXXX XXXX, I called them at XXXX this morning XX/XX/XXXX. 

The outcome of all of the escalations was that they are keeping the hold until XX/XX/XXXX on the entire check amount in order to " verify the funds '' as I stated above the validity of XXXX is public information as is the financial solvency. The hold of 10 days to verify a check to me sounds extremely long, however the issue of the highest authority at the physical branch telling me a lie in order to obtain my deposit is the predatory act committed by Bank of America.
Consumer complaint received 2018-06-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have complaint file complaint stating my score is not being calculated properly Equifax especially has several hard inquiries that should not be on my report this has been on going I barely have credit and they are not updating my report as they should these agencies has been a detrement to my life. 

I need XXXX and Equifax to remove all old inquiries I have a XXXX XXXX limit on my XXXX that is not being reported by XXXX or Equifax
Consumer complaint received 2018-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, I wrote Capital One Services regarding incorrect reporting of my account to all three credit bureaus. I was reported late for 4 months when that was not true. On XX/XX/XXXX, Capital One replied to my letter stating that they were unable to change their reporting of my account. On XX/XX/XXXX, Capital One Services sent me a letter of acceptance into their " Workout Program '' since I had elected to add two of my XXXX XXXX XXXX into Debt Consolidation. I had never been late on my credit cards with Capital One. On XX/XX/XXXX, I received another letter from Capital One accepting my second credit card into the " Workout program '' with no issues. On XX/XX/XXXX, I requested the assistance of XXXX XXXX XXXX  to talk with Capital One on my behalf to rectify the issues of falsely reporting me late repetitively on one of my two credit cards. On XX/XX/XXXX, XXXX XXXX XXXX responded and provided me verbiage from the email that was sent to Capital One. In the email to Capital One, it was alluded that my account was one of many that had experienced issues with my credit card reporting. On XX/XX/XXXX, XXXX received a response that was forwarded to me by XXXX XXXX of Capital One. The message stated that the issue was escalated and still being worked on. On XX/XX/XXXX, XXXX sent me an email stating that Capital One confirmed both of my accounts had been made current. With no hope I relentless tried for year to dispute this issue through the credit bureaus with no resolution. On XX/XX/XXXX, I sent an email to XXXX XXXX XXXX explaining my issue regarding one of my Capital One credit cards. I provided a dispute letter and the Work Out program contract from XX/XX/XXXX. I sent a follow up email to XXXX XXXX on XX/XX/XXXX. I received a call on XX/XX/XXXX from XXXX, Capital One representative who stated that she would look into my issue via an investigation. I spoke with XXXX again on XX/XX/XXXX who informed me that her investigation was over and that Capital One would not corrected any of the reported late payments to the credit bureaus. I questioned the reason of decision and XXXX stated that during the transition of XXXX paying my bill that it was a 10 day lapse in payment. I was confused and requested to see a breakdown of the data that she viewed. XXXX stated that I would receive the explanation in the mail. The letter dated XX/XX/XXXX admitting that I was approved for enrollment into the Workout program on XX/XX/XXXX and she listed that I was past due for the following dates ; 30 days past due in XX/XX/XXXX, 30 days past due inXX/XX/XXXX, 30 days past due in XX/XX/XXXX, 30 days past due in XX/XX/XXXX and 60 days past due in XX/XX/XXXX. XXXX stated in her letter that Capital One confirmed that they are reporting accurate information. In one of the  attachments, you will see records of payments made on the dates I was reported late.
Consumer complaint received 2018-06-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (AZ)

My husband and I lived in an apartment complex in XXXX from XX/XX/XXXX to XX/XX/XXXX and upon moving out, they sent us an incorrect bill. I called them and explained that we had paid the fee to have our apartment cleaned using their cleaning program and even took them a copy of my cancelled check. They still sent this inaccurate amount to a collection agency named Hunter Warfield. I called Hunter Warfield and even sent them a letter plus corroborating information and they refused to budge stating that the apartment complex said that it was a valid debt. When we applied for an apartment and were denied here in XXXX where we currently live, I learned that this was on my credit report. I contacted XXXX credit reporting agency and filed a dispute. On XX/XX/XXXX, I received a letter from XXXX stating that this collection was no longer on my file. Two years later ( now ), my husband got a free credit report and this collection account is on his account now, when it wasn't 2 years ago. I also found out that it was put back on my account after I was turned down for an apartment. I have contacted XXXX and they are telling me that this collection agency is able to put this information back on my credit report because they are members of the credit reporting agency. I was never notified by XXXX that this was put back on my credit report. I do not understand how a collection agency is allowed to report false information and the consumer has no right to keep it off of their credit report.
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

LVNV Funding and XXXX has yet to remove an account from my credit reports. I am still recieving letters from LVNV Funding stating that the required verification documents have not been recieved when the infomation was mailed to LVNV Funding. The account has now been sold to another company after the debt has been disputed and reported as fraud. 
ACCOUNT XXXX
Consumer complaint received 2020-07-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NV)

On XX/XX/XXXX I co-signed for a used car auto loan at XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX, OH. The dealer said XXXX XXXX agreed to be the lender and the payments would be {$170.00} beginning XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX to XXXX the application number is XXXX. They stated we were informed by XXXX XXXX XXXX XXXX XXXX that it was considering the credit sale or lease of a XXXX XXXX XXXX to you and asked whether we would be prepared to accept your obligation if the transaction was completed. 

They went on to say, you ( XXXX XXXX ) was the co-applicant and XXXX XXXX was the applicant. We must regretfully inform you that we were not agreeable to handling the proposed transaction Since the letter was addressed to me they were referring they based it their decision whole or in part from the credit reporting agency XXXX being Equifax. I pulled my credit report from Equifax and below is just some of the very positive credit information. 

Credit score - XXXX - Excellent lines of credit - XXXX XXXX XXXX - 3 % Credit file has enough history on your use of bank card/credit cards The balances on your account are not too high compared to loan limits You have a few or no accounts that were opened recently The date you opened your oldest account is not too recent. 

However they claimed they obtained my credit score from Equifax and used it in making their decision. How can this be possible? Could this be a possible case of discrimination again a XXXX XXXX? A female? Or are the employees just plain stupid at XXXX and dont know how to read a credit report? 

Then I went to XXXX  to obtain the information that have for me. It seems they want to charge me for seeing my information. That seems unfair and perhaps illegal. 

XXXX referenced XXXX is owned by XXXX so to drum up more business XXXX XXXX borrowers into paying for XXXX XXXXXXXX XXXX claims total account balances ( I have XXXX XXXX, limited history for my phone ( Ive had the same number for approximately 20 hrs, ), number of inquiries ( there have been only XXXX ), length of residence too short ( I have owned this home for 10 years ). I believe XXXX is scamming to get business for XXXX and plan to file a formal complaint against them as well. 

Additionally, I have been customer with XXXX for over a year buying Certificates of Deposit and having a current savings account with a current balance of {$30000.00} which is 5 times the amount of the loan amount. 

Please investigate this matter. 

Respectfully, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-14
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: CL Holdings LLC (WA)

In XX/XX/XXXXof former friend use my information and created an account with XXXX I have reached and notified XXXX that I was not the one who made the account and that my information was used with out I never purchased anything from XXXX myself however XXXX did not close the account nor did they conduct any investigation to my claim I haven't heard from XXXX since the first bill until I was served papers in XX/XX/XXXX almost two years later saying that Not only was this in collections but they have sold my account and information to another company I was never notified of the sale or them even planning to to sell through the filed Court claim I learned that the company that they sold it to was Jefferson Capital Systems LLC collection agency. In the bill of sale/purchase agreement it clearly states that Jefferson capital systems has to update XXXX  with any payment information that is concurrent and dates of payment and XXXX has to report those changes to the credit report bureau promptly and both companies failed to do so.they have already gone through the court process and had this account to be garnished from my job a year later they did garnish my paychecks starting from XX/XX/XXXX until it's completely paid off from XXXX which is my place of work my issue is that all my credit report it does not reflect to which collection agency XXXX sold my account to or who purchased that account nor does it have an update stating that the account was paid in full and is closed and been satisfied instead of says it's delinquent and it's really putting a big red mark on my credit I would like that do you have updated I believe I should have me at my money back due to the fact that is not wasn't me who opened the account but at this time I just would like to have my information updated on my credit report report there is no report from Jefferson Capital Systems LLC even having this account or that it was in collections that it was open and they're working on suing me and it doesn't say that I was garnished and paid it off last year
Consumer complaint received 2019-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MT)

On XX/XX/XXXX I called Nelnet, my student loan servicer to set up an automatic payment. I am still a student, and when I tried to do this on their website it said I could not because, currently being in school means I don't have a due date, and therefore no need to make payments. 
When I called Nelnet the customer service representative took the time to ask his superior if he could help me set up an automatic payment, the answer was no. He told me I could set up bill pay through my bank. When I asked him for help to do this, he said he didn't really know how it works, I should contact my bank.
Consumer complaint received 2019-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/XXXX I paid my full balance with Bank of America ( {$13000.00} ).  On XX/XX/XXXX, BofA again drew against my checking account in the same exact amount even though my balance was {$0.00}. This not only put my credit card account with them in a credit balance but also over drafted my checking account. Furthermore, upon calling BoFA I was told to just give it 3-5 days! I have a negative balance in my checking account and they basically STOLE my money {$13000.00} worth and then are telling me to just wait it out while I am drawing overdraft fees and additionally have mortgage payments and other bills to pay! There is something seriously flawed with Bank of America 's business practice in terms of their payment system. I have autopay setup to ensure I am not late on any payments so on XX/XX/XXXX they also drew another {$130.00} on this same account against my already overdrafted checking account and my credit card balance now has a {$13000.00} Credit Balance and they just tell me to wait it out. I WANT MY MONEY NOW!!!! THEY ARE A BUNCH OF CROOKS! I do not understand why on earth they would continue processing payments on a XXXX balance or even a credit balance!
Consumer complaint received 2020-07-13
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. (MN)

Back in XX/XX/XXXX I had been laid off and struggled financially the whole year looking for work at many places and took a few jobs that helped prolong my savings while I continued to apply for more positions. It was finally in XXXX of XXXX after my savings was depleted and the couple jobs I worked didnt bring in enough that I contacted XXXX XXXX who we pay our mortgage through to let them know I am going to be experiencing a financial hardship and what can I do ahead of time so that I dont mess my credit up and have to go into foreclosure. They sent me to a department where I make smaller payments but they still marked me as late payments which I feel does not reflect my character and my financial habits which I am very responsible. Thats why I reached out to them ahead of time. I feel that under the circumstances I should have the derogatory mark on my FICO score removed so my score can improve. I am purchasing a business with up money Ive saved up and would like to apply for a business credit card but dont want to apply until I know that once my credit takes a hard hit that it will be worth it.
Consumer complaint received 2019-05-14
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. (AZ)

I have disputed and called Experian because they have the same account listed twice, they refuse to remove the original creditor. I tried again to dispute it and it won't let me because it was already disputed. Per law, an account is not allowed to be on my credit report to ding it twice. The original account is XXXX XXXX, the collection account is XXXX XXXX XXXX. It has the same account number which is XXXX .... I want the original creditor removed. it is not right that they keep telling me they can have both accounts on there, for the same {$550.00}.
Consumer complaint received 2021-11-05
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: T.S. Holdings (GA)

I am very upset with this issue. I sent a letter to the creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.