davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have recently paid Bank of America XXXX for a closed acct and XXXX XXXX XXXX for a closed acct documented and XXXX XXXX.. but bofa has place me in ews and I am unable to open any acct .. 
says account closed due to attempt to extract from acct in 2013 ( 2 ) .. I just want this removed so I. An move on with my life
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (NY)

Leased a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX, never missed a payment, never late, carried a credit score of over XXXX. Turned the vehicle in XX/XX/XXXX, lease was up on XX/XX/XXXX, I paid in advance to turn it in early, thought that was it. On XXXX XXXX I received a credit alert that XXXX XXXX XXXX XXXX reported me delinquent, late 30 days, but early termination, obligation satisfied. It dropped my credit score over 120 points. I called them, they said so sorry, we will start an investigation, and it would help if you could send supporting paperwork, which I did and even mailed return receipt requested. I also reported to XXXX  and XXXX and started disputes. On XXXX XXXX XXXX  sent me their investigation which found in my favor and changed the status Improved account no delinquency and raised my score to XXXX. I then called XXXX to see why I hadn't heard from them, they said they were still looking into it, which had me puzzled, they said they would know within 30 days. Yesterday, I received another alert that XXXX reported me delinquent again. I am so upset and distraught over this false reporting I called, asked for a supervisor and they said they will start ANOTHER investigation. Please someone help.
Consumer complaint received 2021-02-11
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. (MI)

I have made effort after effort to contact Equifax ( via phone and mail ) regarding the incorrect information reporting. I have sent letter after letter, the most recent being XX/XX/04, certified, in which NONE of them have responded to. Please see attached. The information that is reporting is incorrect and has shattered my dream of home ownership. Please see attached documents. I have attached my phone records, the letter that was sent and receipt from the USPS of tracking info with the dates received. 


I AM FILING THIS ON MY BEHALF, I DO NOT HAVE ANYONE OR ANY CREDIT REPAIR CCOMPANY HELPING ME! THIS IS THE THIRD COMPLAINT!
Consumer complaint received 2020-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: VALLEY NATIONAL BANCORP (NJ)

I went to pay my monthly Valley Bank credit card statement but the nearest branch was closed as were others further away. So I mailed the check to the nearest branch but it was not received on time because the branch was closed without my knowledge because of the coronavirus. I complained to the CFPB and Valley Bank cancelled the late fee. 

But then I received a notice for XXXX XXXX that manages Valley Bank accounts that my credit limit was being lowered because of this late payment which, to repeat, was late because the bank branch in question was closed without my knowledge because of the coronavirus! 

Not fair to do this!
Consumer complaint received 2022-08-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc. (IL)

I started using XXXX to receive medical attention from XX/XX/2021 in XXXX XXXX hospital because I am XXXX. 
XXXX I was told is supposed to last for XXXX XXXX. 
I went for an appointment on the XXXX of XXXX unknown to me that the XXXX was no more valid but I was told there that it has expired, I decided to go back home without encoring any medical bill to myself because I don't have a regular job yet. They assured me they will attend to me that day without letting me know I will be expected to pay out of pocket the money that I don't have. 
Only to get this bill which I have been running around to sort out with them since then but it's been an additional way of increasing my XXXX XXXX since then because I am not getting any positive result on it all.
Consumer complaint received 2018-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Synovus Bank (TX)

On XX/XX/XXXX, I applied and got approved for a secured credit card so that I can start building credit for the sake of my life changing events ( newborn, family, new job, etc. ) to grow in knowledge and access to financial responsibilities. My required deposit of {$300.00} was processed in a quick and timely manner but my credit card never came. Patiently, I waited and attempted to contact your company, despite the aforementioned changes in my life and busy schedule. It was impossible to get ahold of anyone in your company. No recordings, no live representatives. Nothing. The closest I got to reaching anyone was when the long hold stopped and then the call ended. I researched ways to get in touch if calling failed. I sent letters in writing, after several call attempts, to the address on my statements. Once for a new card ( around XX/XX/XXXX ) and another to close my account with a refund ( XX/XX/XXXX ). According to several online sources with similar experiences, this was quite common to not hear back or get an answer from this company. I continued to get statements despite never receiving a card, so my address on file was correct. No responses in regards to my request were answered. The only communication I received other than statements, was when my deposit amount was depleted to {$0.00} over time ( until XX/XX/XXXX! ) and THEN I finally received my card in the mail, 3 years later, unused and with a now closed account. This has left a negative impact on my credit report causing a domino effect towards other credit applications, lasting effects on my financial status, and a debt in my name from my own hard earned money that I never got to utilize. This is not fair to report an account that was never used and never given proper documents to utilize such account activities until after the account has closed and damage has been done. I would like to request proof of delivery and date of inital card ( s ) issued for this account as well as dates of notices for each statement and closure warnings. Please also be transparent about the availability and contact sources for consumers with similar grievances. If no proof can be provided for when the inital card was delivered, or if it was sent, as I stated, after the closing of said account, I would like this report to be removed and forgiven so that no further harm can be done to my identity.
Consumer complaint received 2022-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MD)

To whom it may concern, I am reporting predatory business practices by COMENITY - New York & Co. credit card services. I paid off my credit card in full on XX/XX/XXXX, in the amount of {$500.00}. 

Then I received another bill in the mail stating that I owed {$6.00} even though the account was paid off, which was confirmed over the phone. According to them, I was paying late fees. I then pay that bill and an additional charge of {$9.00} over the phone on XX/XX/XXXX. On that same phone call, I tell them to close the account. On XX/XX/XXXX, I got a bill for {$16.00}. I called them to dispute it, and according to them, the {$16.00} is another late fee because my last payment was late. 

On XX/XX/XXXX, they stated that they had removed all the charges, and my bill was paid in full. Today, on XX/XX/XXXX, they stated that I owed {$190.00}. 

There is clearly no way to pay off this card in full. COMENITY - NEW YORK & CO. are predatory in their practices. They do this because they know people will continue to pay in fear of non-payment affecting their credit scores. 

The information that I have on this company is the following : The address for return payments is XXXX XXXX XXXX XXXX, TX XXXX. 
The website for this credit card is nyandcompanycard.com. The company that the card is aligned with is COMENITY. The phone number that I have for this credit card company is XXXX. 

Please let me know what can be done to stop their predatory practices. 

Thank you, XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I urgently request the removal of this erroneous late payment from my account. My payment history reflects a pattern of punctuality, and this entry is causing me undue stress and concern. I ask that you rectify this mistake promptly by updating my account.
Consumer complaint received 2023-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I can never utilize the Transunion website to look at my credit report, open disputes, or place and or remove security freezes. For almost 10 years, i always have to call and the website always says the online center is never available or down.
Consumer complaint received 2018-03-05
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. (NJ)

XXXX XXXX XXXX ( equifax ) account # XXXX high limit of {$500.00} account is closed and is reporting as pays as agreed, incorrect reporting status per FCRA and Metro 2 reporting compliance standards XXXX XXXX XXXX account # XXXX high balance of {$430000.00} and balance of {$670000.00}? how is my balance more than my high balance. This is reporting in error per the FCRA and Metro 2 reporting compliance mandates. Payment grid showing 120 day lates, No 30, 60, 90 XXXX  Account # XXXX amount is {$430000.00} only reported on transunion and should be reporting on all 3, incomplete data reporting in error and illegal.

all 3 accounts have incomplete account numbers. This is a violation of the the FCRA and metro 2 reporting compliance standards mandates..
Consumer complaint received 2021-08-13
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MA XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX Experian Remove the following accuracies found on my credit report : Remove XXXX XXXX XXXX Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX XXXX Account XXXX for inaccurate information. 
Claims inaccurate information. 

Stop reporting this account XXXX XXXX XXXX, Account XXXX due to true identity fraud. 

Remove XXXX XXXX a.k.a. XXXX, Account XXXX due to inaccuracy in dates of last payment. 
Disputes Dates of Last Payment/Opened/of First Delinquency/Billing/Closed. 

Remove XXXX XXXX a.k.a. XXXX, Account XXXX for inaccurate information. 
Claims inaccurate information. 

Stop reporting this account XXXX XXXX a.k.a. XXXX, Account XXXX due to true identity fraud. 

The description of the procedure used to determine the accuracy and completeness of the information has never been reported to me even after numerous disputes and requests. 

Name, address, and telephone number of each person contacted regarding this alleged account was never reported to me even after numerous disputes and requests. 

A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed was never reported to me even after numerous disputes and requests. 

Please remove these accounts expeditiously! 

Send me a new credit report reflecting these changes.
Consumer complaint received 2021-05-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC (CA)

XX/XX/2021 {$860.00} Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that XXXX and XXXX  is currently in violation of U.S.C 1692c ( a ) in which any COMMUNICATION WITH THE CONSUMER GENERALLY-States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that XXXX, Maury Cobb and Associates, LLC is currently in violation of 15 U. S. C. 1692c ( 3 ) ( b ) COMMUNICATION WITH THIRD PARTIES-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate in connection with the collection of any debt with any person other than the consumer his attorney. XXXX and Maury Cobb and Associates, LLC willful violated my rights by non-compliance.
Consumer complaint received 2021-02-11
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: Sequium Asset Solutions, LLC (MI)

On XX/XX/2020, Sequium Asset Solutions added a derogatory mark on my credit report on XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was no written form of communication, contact, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA Sequium Asset Solutions has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021, I purchased an alleged " RTX 2070 '' computer graphics card for 494.22USD, and on the same day, I realized that I was being scammed because the person selling the card was impersonating to be someone else. I made clear to the scammer that I am canceling the transaction and wanted to have the funds returned. The scammer claimed that they have shipped the item to me, but I have never received anything, so I have nothing to return. The scammer claimed that they have shipped out the item via USPS, but I have turned on USPS informed delivery, and no package from them has ever come to me. I have also never received any refund. I have reported the fraudster to the FBI and the FTC, and my report is linked below. On XXXX the XXXX, Wells Fargo issued me a temporary credit, and they would not finish their so-called investigation for another XXXX weeks. Between XXXX the XXXX and XXXX the XXXX, I physically visited Wells Fargo branches multiple times, with the last visit dating sometime in late XXXX. The agent told me that they are " waiting for a response from the seller. '' On XXXX the XXXX, I received an email saying that they have reached a decision, but I would not be able to view the decision until they mail me the decision via a letter. Due to a family emergency, I had to travel and did not receive that letter, but today, when I am away, I realized that they have reversed the temporary credit for no reason. I have provided a transcript of the text exchange between me and the seller, another transcript of me talking to the person whose identity is being stolen, and telling me that the seller is illegally impersonating with their identity. I have also provided both the FBI and FTC reports, and even the XXXX agent has told me that their account will be terminated for misuse. I found it preposterous that this investigation takes almost XXXX months with the bank siding unfairly to a scammer. The claim number that Wells Fargo gave me was XXXX, and the corresponding XXXX case number was XXXX XXXX
Consumer complaint received 2018-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was already enrolled in classes for the Spring semester 2013 at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX. As a result it was my understating, From XXXX representative, that if you are enrolled in school loan payments are frozen once you are actively enrolled in college classes. Yet it shows I have late payment form XXXX on my credit score on that student loan account when I was clearly enrolled in school. This is clearly detrimental to my credit worthiness. There is an attached screen capture show me paying off the remainder of the Bill from the spring 2013 so I can register for the Fall 2013 semester.
Consumer complaint received 2021-12-08
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: CITIBANK, N.A. (CA)

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXX/CBNA to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Consumer complaint received 2021-04-12
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. (NC)

I noticed the account on my credit report from XXXX XXXX XXXX. I was not notified from Experian or XXXX XXXX XXXX before this account was placed on my credit report.
Consumer complaint received 2020-07-23
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (AK)

I filed a complaint. XXXX XXXX did and 'Investigation ''. They came back with " Verified as Accurate, but updated as Payment Received ''. THIS CAN NOT BE. The Payment was made to the ORIGINAL and ONLY creditor XXXX XXXX, as shown in the provided document, LONG before this so called company is trying to " collect ''. It was paid in XXXX of XXXX and it says they obtained in in XXXX of XXXX, so how can they mark it as PAID to a company I NEVER OWED??? THIS IS FRAUD! I want this removed NOW! Is is NOT ACCURATE. You can not pay off an " original creditor '' and ADMIT THAT, then mark it on someone's report as PAID to a FRAUDULENT DEBT COLLECTOR! REMOVE THIS COMPANY IMMEDIATELY!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take notice that this complaint will constitute a Pre Arbitration / Litigation Demand Notice There is an account reporting as a collection on my credit report from the debt collector named XXXX XXXX XXXX in the amount of {$2200.00} with interest accruing every month for a Rental Lease for an apartment Unit which was not on the Lease contract that was provided when I reached out to the debt collector and asked for them to Validate the debt. I have attached the Debt Collectors Debt Validation response. If you examine the Rental Agreement, you will notice that the Unit referred to in the agreement is unit # XXXX which the lease was paid in full however XXXX XXXX XXXX is stating that I owe them for Unit # XXXX which is false and misleading because I lived in unit # XXXX before I moved to my current address. This is evidence that inaccurate information is being reported. I have sent disputes to XXXX disputing the accuracy of the account and it came back verified every time. This is evidence that XXXX is violating the Fair Credit Reporting Act. In accordance with the Fair Credit Reporting Act I am requesting a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contracted in connection with the dispute. Furthermore, I am demanding prompt removal of this account from my credit report and compensation in the amount of {$2500.00} for damages caused by this inaccurate report being validated which caused for me to be denied for credit which harmed my livelihood. Failure to remove the derogatory account and compensate me for damages will force me to initiate arbitration.
Consumer complaint received 2020-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Trident Asset Management, L.L.C. (AL)

Got my credit report it said that someone named XXXX XXXX is using my info since like 2016! I called the company they gave me XXXX and got a hang up! Went online and saw that these people have ripped others off! Think it has something to do with XXXX XXXX and I dont have an account with them nor have I used this name ... .They are ruining my credit!
Consumer complaint received 2019-03-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

Made an on-time mortgage payment to Wells Fargo Home Mortgage, via online bill-pay, on XXXX. Wells Fargo extracted an additional payment from my account just XXXX  days later ( on XXXX ). I am the sole provider in my family ( wife stays at home with our children ) and need this money for other bills. Contacted Wells Fargo ... and informed them of this mistake. I requested an immediate refund OR a grace for the XX/XX/2019 payment. The first person could not help me ... and transferred me to a supervisor. She could not help me either, and referred me to the executive offices. I am now waiting for them to contact me ... meanwhile, I am out this money.
Consumer complaint received 2018-03-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (IL)

This account was paid in full on XX/XX/2018 ( acct XXXX ) to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX. I received an alert from my credit reporting agency that XXXX has reported it 30 days late even though it has a " XXXX '' balance. This reporting inaccuracy has caused my credit score to drop by 22 points!