davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (VA)

I recently filed a complaint with the CFPB regarding a dispute of a charge w  ith Barclaycard. The amount has always been in dispute. As a result of that complaint, the President 's office of Barclaycard agreed to remove all late charges and interest from my account and I am now in a billing cycle in which I can pay the charge with no fees.
Nevertheless, Barclaycard reported my account past due with late payments assessed to all   XXXX   major credit reporting bureaus. I have disputed this reporting with all  XXXX  credit reporting bureaus and   XXXX   has responded with an unsatisfactory result.
Consumer complaint received 2021-04-30
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX XXXX XXXX am getting XXXX payments through Bank of America XXXX card which I do not like using make of XXXX because always have issue I did not want to use this card because it does not have any safe cards no chips and I am forced to use this card because there's no other way I can get my funds. I had a couple fraudulent transactions on my card I went through all proper channels filed complaints and and then my account got frozen for over XXXX and a half months that was a headache I reported the complaint they sent me a new card and they said that they could not investigate the complaints because my account was frozen but then I got a letter saying that the my complaint was closed because didn't find any evidence of wrongdoing. But why would I get the letter if they're saying that they can not investigate my account because it was frozen. Every time I call they keep telling me XXXX thing after another and they record my calls so there's proof that what I say is going on. XX/XX/XXXX I have XXXX different complaints on XXXX different cards. Claim number XXXX And claim number XXXX. Account ending XXXX XX/XX/XXXX. And also reopen the claim XXXX XXXX .. been such a headache. How can cash be taken out of atm at XXXX location and unless I have a ufo XXXX XXXX to transport me to a different atm that was used in a different town. Minutes apart.. also everytime I spoke to a agent they tell me certain things and tell me a temporary credit will be deposited in my account in XXXX  days. They record the calls so one can pull up my call and interaction with them and it will prove I m getting mislead. Listed on their site that my money and my account are protected and XXXX fraud liability.. False advertisement. I also contacted the local news channel to help me out. I can't get the medicine I need cuz my missing money and I'm on XXXX and I have a XXXX XXXX and major XXXX  issues. I'm not able to get food or basic thing I need for daily living. Bank of america XXXX XXXX cards with no protection. Easy to copy and they need to back up and do what they advertise about XXXX fraud.
Consumer complaint received 2015-07-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Williamson and Brown, LLC (VA)

I have a few debt collectors that have tried to collect on a debt that has been paid, for a while now, and they say I still owe it. This is for a credit card, I have faxed the letter from when I paid it and they still keep sending it to different collection agencies. This has affected my correct score. Please help with this.
Consumer complaint received 2022-10-03
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXXXXXX
Consumer complaint received 2017-06-13
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: SYNCHRONY FINANCIAL (OR)

In the past I have had hard inquiries on my cre dit from PayPal. I h ave never used PayPAl, I called them in  XXXX   XXXX  to disput. They agreed that they were false and they would have the inquiries removed. Dates of inquiries are  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  all fro m syncb/ppextr. I looke d it up and it i s PayPal.   These hard inquiries are all on my  XXXX .   Today I looked at my credit report and found another hard inquiry from  XXXX / XXXX / XXXX  on  XXXX  from a company called ccb/ppc. I looked this up and it  is PayPal again. I have not authorized anything for PayPal.
Consumer complaint received 2022-03-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

This account is closed as of XXXX have reported late payments every month to be credit reports for the last 4 and 1/2 years. I do not have this vehicle. When calling this company they refuse to connect me to an associate they refer me to a collection agency that NEVER answers the phone. If I'm being referred to a collection agency anytime I call WHY IS THIS ACCOUNT STILL OPEN ON MY CREDIT REPORT. Its been referred to XXXX XXXX so why is this still open? No one at credit acceptance will speak to me and I can not contact anybody at XXXX XXXX. This needs to be placed as a repo or closed account. To report to my credit every month as a missed payment is outrageous when I do not have this vehicle.
Consumer complaint received 2017-04-11
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Critical Resolution Mediation LLC (TX)

XX/XX/2017 I received a call from XXXX from XXXX with Critical Resolutions. Saying he had a case for me in XXXX for XXXX and that I a returned from my bank, XXXX. He did tell that call may be recorded but did not give me the XXXX He said a case has been in court. I asked for the case number he gave me XXXX I asked where it was filed and he told me he did not know. He asked did I wan to voluntarily take care of it today. I asked for his company 's address and he replied : He was sending the case to XXXX to have me picked up and I could deal with all that crap there and ended the call. ''
Consumer complaint received 2017-04-11
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Three days prior to closing on a real estate purchase, I received an email from whom appeared to be my closing coordinator informing me that there had been a change to the closing instruction. In the email, the scammer advised me to send the closing money to a bank account at XXXX. After verifying a few details over the email, I did wire the money from my own account at Bank of America. A couple of hours later and I realized this had been a mistake. I immediately contacted Bank of America and issued a recall request. I then contacted local police and filed a police report. I also called XXXX fraud hotline and reported this scam. The representative at XXXX suggested me to stop by a local XXXX branch office. I did and worked with a branch manager who immediately put the suspected account on a hard hold. After a couple of days following up with both Bank of America and XXXX bank, I now know that XXXX has a hold on the money but a portion had been withdrawn. Additionally, XXXX was willing to release the money back to Bank of America but it requires a " Hold Harmless Agreement '' that is signed by the VP of the Wire Department at Bank of America. However a Bank of America representative has refused to do so citing that this would transfer the legal liability from XXXX to Bank of America. 
I 'd like to file the complaint against XXXX bank for not able to accept a " Hold Harmless Agreement '' from me or not able to release the money back to me directly despite that I have proof beyond of doubts that the money was mistakenly transferred from my account at Bank of America.
Consumer complaint received 2017-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

On  XXXX   XXXX , I contacted this company about something I have noticed on my credit report that was opened on  XXXX . I informed them that I was never in any medical facilities and I have no knowledge of this account. They informed me that that 's what they received and they are not Going to do anything about it to investigate. I disputed that on  XXXX   XXXX  with the credit bureau. I do n't understand why I was n't contacted about this and how someone can just post something on your credit report without contacting you to verify that you actually owe that debt. This company is committing a fraud by submitting some documents that are clearly fraudulent.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (FL)

I have a Macy 's American Express card. On XX/XX/2017, I had a balance of {$4.00}. I am enrolled in autopay. The {$4.00} was paid in full on XX/XX/2017. On XX/XX/2017, I was charged a {$2.00} finance charge, after my account was paid in full/I had a XXXX balance. I contacted the credit card & they told me I was charged the fee because I carried over a balance the month before. Therefore, I would have continued to have a {$2.00} balance every month because I would constantly be carrying a balance.
Consumer complaint received 2022-08-10
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. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. However, if they failed to do so, they are obliged to remove the account which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : XXXX XXXX
Consumer complaint received 2015-06-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I never received a notice stating the investigation would take longer. I sent the disputes out on XX/XX/XXXX, and the 30-day demand to comply letter out on XXXX XXXX, XXXX.
Consumer complaint received 2020-06-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

In XX/XX/XXXX I put my house up for sale with XXXX XXXX. I was told it would take anywhere from 3 to 6 months to close on new home and find rental for my family. 

My realtor has been communicating with both XXXX XXXX XXXX  and Wells Fargo during the entire time. Things with a buyer were moving along nicely when covid hit. We had completed inspection and appraisal back in XXXX when COVID hit. We alerted both companies of our desire to continue to short sale and try to do the best for each company. 
In very early XXXX my buyer had a job shift as wages were removed and he no longer qualified. When Governor XXXX lifted the stay at home order we moved on to buyer 2 which we had in back up. 
Within 2 weeks we got in contract, out of contract, inspection and appraisal completed. as of Friday XX/XX/XXXX I was notified my attorney received the escrow for first deposit. So we are proceeding strongly and effectively now and expect a XXXX end of month close or soon there after depending on the speed of XXXX. 
What has spurn my complaint is XXXX has listened to the federal government and not reported further late payments since covid. They have understood and shown great compassion and patience. They have been a good servicer and really looked out for my interests. 
On the other hand Wells does not give a hoot about me or my family, they want their money. This obvious attitude caused me to stop paying them as they were non flexible to allow us a modification and said NO outright after putting me through hoops and making me wait and wait to just say no, your wife 's income is too much to qualify. 
I repeatedly told them her gross and her take home are vastly different because she carries the medical expense, daughters car payment, 403B loan, and other deductions. They simply said we work on the gross. 

OK, on XX/XX/XXXX via regular mail I received a letter from Wells dated XX/XX/XXXX before the stay at home was lifted that stated that my account has been moved to acceleration program, meaning they will report a charge off and the entire balance is due. Again not listening to federal government this was reported to the credit agencies. This tactic is against all covid customers and our in ability to sell a house during COVID is the reason this was executed. 
I am attaching the letter for you to see and the contact we have as well. 

.
Consumer complaint received 2017-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M.A.R.S., Inc. (TX)

I contacted this company informing them that this debt is a result of identity theft and they need to investigate since I know I have never been to this medical facility but ignored my requests or remove this item from my credit report. This collection company needs to do a little better to respond and help consumers fight these fraudulent accounts
Consumer complaint received 2022-08-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc. (FL)

I received a call on XXXX at XXXX am in regards to a complaint I made on Comenity Capital Bank through the CFPB website. The gentleman also said that my email of discrimination was received by XXXX which is the CEO of the company. The gentleman was not very informative when I asked him questions. The call came in from XXXX ( XXXX ) XXXX and I asked him several times can I reach him on this number to keep up with the investigation. He continued to tell me no and that there was not a sufficient phone I could call to speak with anyone. He said I would just have to wait until the investigation was done. I asked him what are they investigating and he still did not have the proper knowledge. He claimed to be the assistant yet he had no knowledge of my complaint nor was he interested in hearing about it either. On XXXX I tried calling the number he called from. The number is allegedly the complaints department so he was very deceptive to state he was the assistant that worked on side of XXXX. Every single time I called the number it tells me to leave a message no one is there to take a call.
Consumer complaint received 2020-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (LA)

on XX/XX/XXXX I attempted to pay a debt I owed for an apartment in XXXX. The amount on my credit report was {$3700.00} but the original amount was {$2500.00}. In an attempt to pay the original amount which I can pay I was told they could not remove the interest amount on the account. {$1200.00} more dollars is highway robbery on a debt. I was unable to pay because I XXXX my XXXX  in the first place and now I am able to do so and they are unwilling to help. They wanted to put a down payment and then pay the rest which would continue to incur interest meaning I may not be able to make those payments and end up in the same situation. Something needs to be done about this. They've purchased the debt for little of nothing and want to charge you more for having it. I never received any correspondence from this company regarding the charges or interest. I only found out when I checked my credit report. Something needs to be done to stop this. I am willing to pay the {$2500.00} to have this taken care of. It's like paying the same debt twice at this point which is crazy to hard working consumers. I have recorded the conversation as well and will upload so you can hear how she talked to me. I didn't appreciate how I was talked to you as well when I was only trying to pay off the collection that is it.
Consumer complaint received 2022-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2018-03-22
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. (IL)

On XXXX XXXX, I sent a registered letter ( XXXX XXXX XXXX XXXX XXXX XXXX ) to Experian Credit at XXXX XXXX XXXX, XXXX TX XXXX, enclosed with a letter was a copy of a XXXX, the registered letter was received by Experian on XX/XX/XXXX per USPS Tracking website. The letter regarded XXXX XXXX acct # XXXX, and the balance of {$1900.00}. I have disputed the validity of this account on several occasions asking for written documentation pursuant to Sec. 609 but never getting it only to say the creditor verified the information as correct. In this letter I sent a copy of a just recently received ( XX/XX/XXXX ) XXXX from XXXX XXXX ( creditor ) which showed the date of indentifiable event as XX/XX/XXXX, and an " AMOUNT OF DEBT '' as {$1500.00}, so how did this ever previously get verified? Now today on XX/XX/XXXX, after more than 30 days after my most recent letter I called Experian to find out the status of the most recent dispute, I spoke to a customer service rep by the name of XXXX ( may not be spelled correct ) of TEAM IMPACT. after a brief hold was informed she was able to locate my sent documents but they where NEVER forwarded so a " DISPUTE '' was never opened nor sent to the creditor for verification but NOW, today XX/XX/XXXX, would be sent and it could take 30 more days. I explained thats why things are sent by registered mail and the 30 days starts when received, she went on to say, she went in and corrected the balance to reflect {$1500.00}, when I explain they where in violation of the FCRA, she had nothing further to say. At that time I asked to speak with a supervisor, the CSR took my contact information and said no supervisors where available at the time, I asked when I should expect a call and she said within two ( 2 ) hours, needless to say the time came and went without a return call.
Consumer complaint received 2017-06-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Selip & Stylianou, LLP (NY)

This so called  firm Selip and Stylianou LLP, tog ether with the  corrupt   XXXX   XXXX   XXXX , are trying to collect a  zombie  debt which is way past the Statute of Limitations of 7 y ears in New York State. I received a bizzare letter without any mention of the Statute of Limitation for debt collect nor the opportunity to dispute the validity of this claim. I do not owe anything and this company is trying  to collect a zombie debt.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (GA)

ATTENTION : THE FOLLOWING CREDIT REPORTING COMPANIES ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ; XXXX XXXX XXXX XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

XXXX XXXX XXXX, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

UPGRADE INC, has not updated my credit balance to the credit bureaus since XXXX the failure which misrepresents my credit utilization thus adversely impacting my credit score. 

THE FAIR CREDIT REPORTING ACT 623. Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate Unfortunately this is not the first instance of negligence I have experienced as creditors and credit reporting agencies are often negligent and fail to report or update my credit file on time!