davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was supposed to receive a {$500.00} bonus offer for meeting specific requirements when opening a new business checking account with Bank of America. I confirmed in XXXX that all of the requirements had been met : To earn the {$500.00} bonus : Make Qualifying Deposits* of {$20000.00} or more into your new business checking account within fifteen ( 15 ) days of account opening ; AND Maintain an average balance of {$20000.00} during the Maintenance Period** ; AND Make XXXX XXXX XXXX ) Qualifying Electronic Payments*** that are posted to the new checking account by the end of the Maintenance Period. 

However, there was confusion surrounding the new money deposit, which I moved directly into my existing personal checking account from an external source ( XXXXXXXX XXXX ) and transferred to my new business checking account as confirmed from a representative. 

The bonus offer was rejected several times even though the representatives acknowledge that I am correct. But the process is that they flag the issue for 'escalation ' and it has now been rejected several times. Despite being owed the bonus, I can not circumvent the process despite speaking with customer service ever other day from XX/XX/XXXX through XX/XX/XXXX, attempting to resolve this matter. 

I finally threatened to file a claim with CFPB if we can not resolve this, as this matter needs to be escalated outside of the Bank of America framework. 

My bank statements attached show the new money deposits from the personal checking account ( ending in XXXX ) came from XXXX XXXX and were sent to the business checking account ( ending in XXXX ). All requirements can be verified on the business checking account statement attached and the money was held above the XXXX balance per the next two statements attached.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

In XX/XX/XXXX I discovered that Infiniti had reported a 30 day late payment from XX/XX/XXXX on my credit. I called them immediately and was told by a customer service representative that the account would be updated if I disputed the information since there was a discrepancy of a couple of days, my wife had lost her job due to Covid and I had been not only an excellent customer but had been paying extra on my loan up until that point. The update never happened. I contacted the credit bureaus and Infiniti verified the information. 
I called them on XXXX and after spending an hour on the phone with a rep was told that a late payment could never be removed. I requested a supervisor or manager and was told 3 to 5 days for a return call. This is completely unacceptable and poor client services.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a Bank of America credit card for up to a {$21000.00} credit limit and never used it. The annual renewal notice came due of {$80.00}. It was supposed to be taken from my bank account automatically. I have no idea why it was not. I was then hit with ( 2 ) 30 days, ( 1 ) 60 day, ( 2 ) 90+ days, and ( 1 ) 120+ days on my credit report and damaged my credit report and score *and* they closed the account. I had no idea it was not paid. It was on auto pay. And they never let me know. Keep in mind this account had a {$0.00} balance, {$21000.00} limit, and was never used. This caused my credit score to drop by over 100 points. I called Bank of America several times to resolve, offered to pay this small recurring fee of {$80.00}, and they said they were going to do it, and didn't. I then followed up more times and they said " there is nothing we can do. '' I own my own home, was going to refinance, and this drastically changes everything.
Consumer complaint received 2021-03-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

A company named Phoenix Financial Services have a medical debt in my XXXX  file as a collection and I know is not mine. Transunion removed it two days after my dispute in XXXX but XXXX sent me a letter today XX/XX/21 letting me know that the debt is mine which is not. I have medicare and usually everything covered is paid in advanced and if not I always asked before service because I do not have sometimes the money to pay out of pocket, in general I always pay in advanced if there is any out of pocket amount or I do not proceed with the service. This collection debt is causing a lot of damage in my credit report now. It is very stressful for me.
Consumer complaint received 2020-07-18
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 and US Dept of Education is reporting false negative information on my credit reports in all three bureau 's. I've disputed the situation so many times in the pass, i've asjed them to send me something in writing with my signiture on it to prove that these are my accounts, but I have yet to see something in writing with my signature on it. I don't know anything about these accounts and need them deleted if they if they can not show me something in writing proving that they belong to me because it is destrying my credit and I'm trying to buy a house for my family. So please ask them to send you guys something in writing with my signature on it. If they can not then please have them delete ut from my report like is said to happen by FCRA SECTION 609, 611, ETC. 

THANK YOU
Consumer complaint received 2020-07-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (FL)

The dates are wrong, the balance is wrong, im no longer liable since they sold to collection agency, and they still show a outrages balance. It says it was opened in XXXX and i knew nothing about this account as i moved to Florida in XX/XX/XXXX.
Consumer complaint received 2020-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX has repeatedly reported inaccurate information on my credit report that has caused significant hardship. I have been fighting to get this inaccurate information removed for over 2 years. 

Back in XXXX, I submitted disputes to Experian for inaccurate charge off dates and the company repeatedly verified this incorrect information. Frustrated with lack of action from XXXX XXXX I resigned myself to wait 2 years until this information would be removed because it is over 7 years old. I  again disputed the incorrect information and account that was more than 7 years since the date of first delinquency and the company did not remove the account. Plus they reported the account as being charged off in XX/XX/XXXX and XX/XX/XXXX which dropped my score 40 points. The date of first delinquency was in XX/XX/XXXX therefore the negative information should be removed because it is over 7 years old. 

The company needs to remove this account off my credit reports or I will be seeking damages in court for the last 2 years of incorrect reporting. 

Here is the copy of my orginal complaint back in XX/XX/XXXX " After a dispute, XXXX XXXX XXXX  verified incorrect information on my Experian Credit Report. In XX/XX/XXXX I first became delinquent on my XXXX XXXX Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on Experian. I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my Experian showed that my XXXX XXXX Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my Experian report. The company then verified the false information and the dispute was closed. I wrote and called XXXX XXXX to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint. '' For documentation I have attached a dispute from XX/XX/XXXX that shows the correct infomation but does not list a date of removal, I've attached XXXX dispute results that show incorrect charge off date and incorrect date of first delinquency, and XXXX dispute results with another incorrect charge off date and incorrect date of first delinquency. Finally, I have attached a letter from XXXX XXXX admitting the information is incorrect. It is the companies responsibility to report accurate information. I will be suing if you do not remove this from my report.
Consumer complaint received 2018-06-21
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: WELLS FARGO & COMPANY (AK)

My wifes mother who is currently incarcerated opened a Wells Fargo credit card in her name when she was a minor. This account should have never been opened by Wells Fargo in the first place, however her mother incurred charges and never paid the balance. Wells Fargo considered this a charge off. In late 2016 my wife and I went to the Wells Fargo branch in XXXX XXXX, CA to open our first joint checking accounts. The banker that helped us ran into a rejection when opening the accounts. She could not tell us what the rejection was for, but called her back office and got them to bypass the account opening rejection. We later were notified that our accounts were being closed for cause due to the credit card that was ONLY in my wifes name. We tried to remedy the issue with Wells Fargos fraud department who never responded to our multiple requests. This account was closed due to actions of another person and should not reflect poorly on my consumer reporting with XXXX XXXX XXXX.
Consumer complaint received 2017-01-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: American Credit Acceptance, LLC (MO)

American Credit Acceptance XXXX, SC XXXX On XX/XX/XXXX I received from American Credit Acceptance an Account Summary stating No Payment is Due Until XX/XX/XXXX. 

In a letter dated XX/XX/XXXX I received a letter stating I Owe {$800.00} for Late Payments. 

I have the Account Summary in writing stating No Payment Was Due until XX/XX/XXXX. 

The letter dated XX/XX/XXXX said if payment for full Amount of {$800.00} is not received by XX/XX/XXXX They plan on repossessing the car. 

I want an investigation into American Credit Acceptance For Criminal Investigation for Fraud. I purchased this Car paying XXXX. {$2000.00} down in Cash. 

Waiting for your reply. 

XXXX
Consumer complaint received 2020-07-18
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. (IN)

XXXX XXXX XXXX  states that on XX/XX/2020 my credit score from Trans Union was XXXX. My information shows my credit score from Trans Union was XXXX. I would like a copy of the report XXXX XXXX XXXX  received from Trans Union that showed my score being XXXX.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the fair credit reporting act ... the following accounts violated my rights... 

-XXXX XXXX XXXX  ( {$19000.00} ) XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ) XXXX XXXX XXXX XXXX XXXX XXXX {$8300.00} ) XXXX XXXX # XXXX XXXX15USC 1681 Sec 602A states I have a right to privacy ....

-15USC 1681 Sec604A Sec 2 states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

My loan was serviced by Cardinal Financial. The loan was transferred to a new servicer on XX/XX/2021. 

I made a payment through my bank 's automated bill pay service on XX/XX/2021. The payment was processed on XX/XX/2021. 

The payment was not transferred to my new servicer. 

I have contacted all 3 parties involved : New servicer claims the XX/XX/XXXX payment was never transferred. 

Bank claims the XX/XX/XXXX payment was processed by Cardinal Financial.

Cardinal Financial has made various claims. Initially, they claimed a payment was never received/processed on XX/XX/XXXX. After providing them documentation from my bank that there was payment made, they claimed that the payment was forwarded to the new servicer. 

I asked for documentation to show proof that the payment was processed and have not received the requested. I have requested it 3 times since XX/XX/XXXX, and have not received it to date ( XX/XX/XXXX ).
Consumer complaint received 2021-04-23
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. (CA)

There are two accounts on my credit report and multiple inquiries that are showing up that do not belong to me I dont know how many letters I have to write and how many phone calls I have to make to state that I did not open these accounts they are no way linked to me I dont know why they are on my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Inquiries Creditor Name : XXXX  XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX/XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX CARD Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : EXPERIAN  BUSINESS CRED Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-03-01
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)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX  Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXX  Acct # XXXX ... XXXX XXXX XXXX XXXX TX Acct # XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX ... XXXX  XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (NJ)

It started back in XXXX I made a payment. It was never posted to my account so they charge me a late fee. I contacted my bank they couldn't find where they attempted to retrieve the payment. I was told my payment was return for insufficient funds. I disputed this and in the end I was back in ground zero. So I decided just pay them off and cut up the card. I maid two separate payment. The first payment was processed with no problems. The second payment and full amount of {$50.00}, due in XXXX. To be more precise XX/XX/2020. I made the payment on XX/XX/XXXX and it was process on XX/XX/XXXX. It was posted, XXXX balance. I bite the bullet happy riddance. In XXXX I got an email stating a balance of {$85.00} was due by XXXX XXXX. Immediately I said this XXXX, So I immediately contacted Comenity. I was told my payment was rejected again for insufficient funds. I contacted XXXX XXXX  XXXX. I was told the was processes on the XXXX on XXXX ID was XXXX paid to Comenity. I call back and I spoke to several customer service rep. Most of them gave the run around and no resolution. So I went into one the Branch ( XXXX  XXXX XXXX ) and spoke to The Manger. after and hour and and half he couldn't were the check was return. And more so at the time of transaction I more than enough to cover this transaction .I was told to try resolving the matter and still no where. So I went back to the manager he gave me too option 's The first one was ask them for a IP number this would locate this missing reversal payment. When I call them ask about this IP number they have no record of it, and then the call goes dead. I have made several calls them and still no progress. More important they want me to repay and then they do an investigation. After the investigation they would refund my money if it was a bank error. At this piont I am not making anymore payment. XXXX  XXXX XXXX there is no error on there part.So infract if they reverse the payment they sent my payment to someone else. Id id not it to reach this far, I tried to resolve this at the lowest level. And all I get is running in circles. I have the proof of my payment. If The XXXX  XXXX XXXX got it reversed. I would been notified. I will enclosed my proof
Consumer complaint received 2017-08-23
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)

On XX/XX/XXXX my Equifax credit report was showing 1 collection account in debt which I disputed and 1 paid negative account. On XX/XX/XXXX my Equifax credit report shows 11 Collection accounts and 2 Negative accounts of Thousands of Dollars in debt. I called several of those collections agencies giving them my social security and my personal information and they dont have me in their records. Equifax is reporting inaccurate all these accounts cause do n't belong tome and they reported all in one day. I need an investigation to be follow towards my Equifax credit report. Sincerely, XXXX XXXX
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX ... XXXX XXXXXXXX  Acct # XXXX ... XXXX XXXX XXXX XXXX TX Acct # XXXX ... XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-06-24
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vericred Solutions LLC (TX)

I didnt receive anything stating That a investigation was proved to show i owe a debt just got an alert that a company called vericred LLC added something to my report in an attempt to Collect a debt I never received anything in writing from this company and all of a sudden I get an alert that something was being added to my transunion report theres no accuracy verified to me That I owe a debt
Consumer complaint received 2020-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (KS)

I was contacted by XXXX XXXX XXXX out of XXXX, GA about a debt owed to Barclays. This debt has been paid and dismissed, with proof in writing and submitted to the court clerk of my county. 

On XX/XX/2020 I attempted to contact XXXX ( a contact with the group ) to  find out what this matter was concerning and to try to get a physical address to find out if they were a scam debt collector or not. As XXXX was giving me the address she said, " I am not your child, have your attorney call us '' and hung up.