davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

XXXX and Equifax continuously ignore requests to add my current legal name to my credit reports. On XX/XX/XXXX, I had my legal name changed via a court order. I furthermore currently have a XXXX credit card under my new legal name ( I had this account prior to my name change, but have since updated my account information with XXXX ). Despite this, XXXX  and Equifax still only list my former legal name. This makes it difficult, if  not impossible, for me to create new accounts at most financial institutions despite otherwise meeting any other requirements.

I realized that only my former legal name was listed on my credit reports at the beginning of this year ( XXXX ) as I attempted to open a new bank account online and was denied due to the discrepancy between the name listed on my personal identification and the name listed on my credit reports. 

I mailed XXXX, Equifax, and XXXX  letters requesting they update my legal name in their reports, as well as notarized copies of the court order for my legal name change and copies of my driver 's license and social security card, both of which reflect my current legal name. XXXX  refused to acknowledge my requests at all. Equifax mailed me a letter ( dated XX/XX/XXXX ) claiming they would update my personal information, yet as of my XX/XX/XXXX report, only my former legal name is listed. XXXX  mailed me a letter stating they could not find any credit information in their database from my information, which I believe is simply due to my small credit history and thus I am less concerned about them.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERIS BANCORP (FL)

Opened new account with incentive offer for {$300.00}. 

Offer terms are to 1 ) open a free checking, 2 ) enroll in estatements, and 3 ) receive a total of at least {$1500.00} in direct deposits into the account within 90 calendar days of account opening. In smaller print, notations to receive bonus 1 ) register for online banking and estatements, and 2 ) at least {$1500.00} direct deposits. Automatic recurring. Bonus paid within 30 days of the end of the XXXX day period. 

Opened account XXXX XX/XX/XXXX. Direct deposits posted XXXX and XXXX XX/XX/XXXX, XXXX  and XXXX XX/XX/XXXX, and XXXX and XXXX XX/XX/XXXX ( the XXXX day period ) and exceed {$1500.00} minimum in total. 

No bonus was paid, upon inquiry ( XXXX XX/XX/XXXX ), bank states {$1500.00} was required monthly, but that is not what bonus terms describe. 
I opened the appropriate account in person with banker ; set up online banking and estatements, held recuring direct deposits for the XXXX days period, and exceeded the total minimum amount of the direct deposits per the terms printed and given in person.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

XXXX  XXXX bank filed a late payment on my credit report due to missing a payment. I had paid every month and paid the amount due on the website where you need to pay. Then they told us we missed a month and hit my credit score for 75 points. This is the only late payment I've had. I called with them and they reported I still had a balance, which I then paid. But the website still showed as owing XXXX  dollars. I disputed the information due to their website not giving a correct total due, but was told that because they see a balance, I couldn't get anything done. So, I disputed it with all 3 major credit reporting agencies, and lost at experian with an additional late payment showing. Once again, checking the balance due at the only place to pay, shows only the normal amount due. Which I just now paid. I need these taken off my credit report ASAP because of an issue technically that has nothing to do with me.
Consumer complaint received 2021-07-20
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)

fcra violations : not mine : send information base on my late payment as described in then report b/c I was never late I have that right FCRA violations : Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment account Balance on XX/XX/XXXX Loan Amount {$0.00} {$12000.00} XXXX XXXX {$7500.00} Balance updated XX/XX/XXXX Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$7500.00} {$7500.00} address is not correct : XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family
Consumer complaint received 2017-12-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I recently reviewed my credit report and noticed some unauthorized accounts on there. The 2 unauthorized accounts were Bank of America and XXXX XXXX. After contacting both creditors and XXXX with no help form neither, I then immediately contacted my local law enforcement to file an identify theft report against the 2 unauthorized accounts. I then mailed it to XXXX to have it removed and they said that they wo n't.
Consumer complaint received 2020-05-26
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC ()

I submitted a Lease Takeover Document back to Nissan ( NMAC ) which was received by them 30 days late because of the Pandemic. 

Covid-19 caused large delays in logistics around the world and shut down a large majority of XXXX distributions centers. Overall, the pandemic caused the full lease takeover documents to be delayed by 30 days, however, I was told by a Nissan representative over the phone that I would be granted an extended grace period because of the pandemic ( they would accept the documents ) unless she called to tell me otherwise by end of day XX/XX/2020. 

She never called me, which i assumed meant we are all good to go as she told me on the phone. The documents were received by Nissan and discarded on the XXXX of XXXX, 2020. I never received a phone call back, I am now living in XXXX where the vehicle is not allowed to be. I can't afford to make payments on the vehicle anymore. I have pleaded with Nissan for months now to please retain the documents as the man taking over the lease still wants the vehicle and I am still trying to have it taken over. Its in everyone 's best interest to file the documents through and allow the transfer to happen. I do not understand why this process has been like pulling teeth, everyone is on board and following the playbook except Nissan. They have been TERRIBLE to work with. I have been struggling with Nissan and this vehicle for over 3 months now fighting on a weekly, sometimes daily basis with Nissan. It is driving me extremely anxious and sad as I have to start choosing between paying the lease/insurance and purchasing food or paying utility bills.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Company closed credit card accounts ending in XXXX and XXXX while I am aware all companies reserve the right to make the best decision for their business these were closed as a result of returned payments that stemmed from my personal bank account having been compromised stemming from lost wallet and checkbook. 

The creditor was furnished with a police report and bank memo. Multiple reps including one from executive relations stated the account was being reopened allow 30 days. 

I have since inquired 21 times only today XXXX XX/XX/2020 did they follow up with me. They stated the account was in a fraud status as a result of returned payments that had zero to do with them and while they acknowledge miscommunications by former staff they wont reopen but theyll remove it out of the status. 

Im on hold for 16 minutes, Im hung up on they call back and then tell me no they wont remove the block again despite just having told me otherwise 16 minutes prior. The disconnect in service is absurd. Apparently I am now blacklisted for life for something that had zero to do with me. Important to note I still continue to make payments monthly with zero issues and pay with debit card not ach zero issues.

I was told repeatedly that this would be reopened they even stated 2 weeks ago at the very least it appears at minimum one of the 2 could be reopened again neither happened. Again this has zero to do with me I have paid like clockwork since even with the account closed I did not charge it off or just stop lying like you stopped extending credit If this block is not removed and Im not able to either use these accounts again or open new accounts I will continue to exhaust every remedy available and ensure I use every platform to share my negative experiences
Consumer complaint received 2017-11-10
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: JPMORGAN CHASE & CO. (GA)

I am writing to dispute a billing error in the amount of {$920.00} on my account from the merchant XXXX that was closed in error due to the incompetence of your dispute billing staff. The prescription lens were received damaged and replacement has been continually delayed. This was explained to your rude representative with the statement that the goods had not been received and the dispute should not be closed until they are received the vision check with the Dr . 

You incorrectly and prematurely closed the disupte and the lens when viewed on XXXX/XXXX/2017 were again cracked and again need to be returned.
Consumer complaint received 2022-10-07
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. (GA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-01-07
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 HAVE SENT NUMEROUS LETTERS TO THE CREDIT REPORTING AGENCIES ASKING THEM TO REMOVE INQUIRIES THAT DO NOT BELONG TO ME. THE CREDIT AGENCIES ARE NOT RESPONDING NOR REMOVING THE ITEMS FROM MY REPORT AS REQUESTED. I HAVE ALSO ASKED THE AGENCIES TO VALIDATE THE INQUIRIES WHICH THEY HAVE FAILED TO DO SO, I HAVE SENT NOT ONLY A 30 DAYS NOTICE BUT 60 DAY NOTICE OF INTENT TO FILE A COMPLAINT IF NON COMPLIANT I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XXXX XXXX XXXX XXXX
FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission (see 15 USC 41, et seq.).
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/XXXX I was served a lawsuit by Midland credit management Inc for a debt collection amount of XXXX, XXXX dollars. I immediately hired an attorney to settle the case. Midland credit management Inc responded with a settlement offer of {$500.00} dollars with the agreement of the amount being dismissed in court and reported to the credit bureaus as paid in full. I signed the agreement and paid the {$500.00} dollars settlement on XX/XX/XXXX in which the amount was cashed by the company. On XX/XX/XXXX a updated credit report in my debt collection showed a decreased of {$500.00} dollars to my Midland management account. I Immediately contacted Midland credit management and told them about the settlement agreement along with the the inaccurate debt still showing on my credit and they advised me that there is still a balanced owed on the account and that the court agreement signed by the courts and a Midland credit management representative is not valid will not be honored. I stated to Midland management I will be following up with my attorney regarding this scam and inaccurate reporting to the credit bureaus.
Consumer complaint received 2023-04-02
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. (GA)

Ive sent a copy of an FTC report to XXXX and transunion and they REFUSED TO remove the inquires. I did not authorize the following companies to pull my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft 01 CAPITAL ONE N A Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-05-26
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. (OK)

This is the second time my identity has been compromised. I dont understand why this continues to happen to me. Please remove these fraudulent accounts from my report as soon as possible.XXXX  XXXX XXXX {$1000.00}
Consumer complaint received 2021-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (GA)

Received marketing email from paypal for discount at seller that at the bottom of this email it says I am receiving this email because I subscribe to News and Promotions. If you check my account settings I have been unsubscribed to all emails for some time.
Consumer complaint received 2021-07-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC. (NY)

In XX/XX/2021, I received a XXXX friend request from a XXXX XXXX XXXX, which has turned out to be a fake profile. This person prompted me to switch to XXXX XXXX to send messages back and forth, saying he loved me and wanted to marry me. He eventually asked for my bank account information and ordered checks in my name/address from an account he claimed was his at XXXX XXXX. Recently, he asked me to fill out one of those checks payable to myself in the amount of {$20000.00} and deposit it into my personal account at XXXX XXXX XXXX XXXX. Then told me I needed to transfer {$5000.00} to an account at 1st Citizen 's Bank in the name of XXXX XXXX ( address XXXX XXXX XXXX ; XXXX, NC XXXX ) in order to pay off a lien on a property in Tennessee. 

On XX/XX/XXXX, I discovered that XXXX XXXX had returned the funds of the {$20000.00} check I wrote, because XXXX XXXX  discovered the fraud. This has left my account at XXXX XXXX XXXX XXXX in the negative by {$5100.00}. I believed this man to be who he said he was and trusted him, but have since discovered numerous fake profiles on social media sites using this identity of a high ranking XXXX official. I have contacted all 3 banks involved to report the fraudulent activity, but 1st Citizen 's Bank did not give any indication that they could get the transfer stopped and return the money to my XXXX XXXX Account.
Consumer complaint received 2020-03-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XX/XX/XXXX - I sent a letter to all 3 major credit bureaus and Bank of America, letting them know that I had been a victim of ID theft on this Bank of America account and to block the reporting from my credit report. Bank of America responded that the account had been verified accurately. 

XX/XX/XXXX - Bank of America sent out an ID Theft Affidavit for me to complete. I have completed the Affidavit along with the attaching a copy of an Incident Report and proper identification. 

XX/XX/XXXX - Bank of America reopened the fraud investigation on this account that is not mine. 

They have not provided any information to verify this account the first time I've disputed. I have given them more than enough time ( 3+ months ) and they have not resolved this account yet with no information to support why they believe it's valid. I can't continue to wait for them to take their time on resolving an issue that is costing me at the end of the day. 

I have been patient enough and have no choice but to file this complaint on them,.
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Knight Adjustment Bureau (CA)

In or around XXXX 2016, I paid the credit card balance in full for the amount of {$640.00} for my membership in this correspondenc Accounting Course. Their was no settlement, no account paid for less than balance owed or any other kind of agreement other than balance paid in full and the removal of this this derogatory account from my credit profile, it was paid in full the entire balance owed. They agreed to remove this account from my credit profile after payment. This has not happen as of yet.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (MS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mandarich Law Group, LLP (WA)

Received a collection letter, dated XX/XX/XXXX, from Mandarich Law Group for {$3100.00}. Creditor is named as XXXX XXXX XXXX ( account number : XXXX. 

On XX/XX/XXXX, sent a letter to Mandarich Law Group via certified mail that disputed the validity of the debt and requested verification of the debt. 

Received a letter, dated XX/XX/XXXX, with an attempt to collect the same debt that was previously disputed. No information has been provided to verify the validity of the debt as previously requested.
Consumer complaint received 2020-07-10
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: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

On XX/XX/2020 I've file a dispute for unknown and inaccurate accounts on my credit report but I haven't receive a response and it is almost over 30 Days now since I've filed. I was a victim of Equifax Data Breach. I demand to Delete all those accounts or I will file a litigation.