davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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. (MA)

I am a victim of Identity theft. credit card accounts have been opened in my name, using my social security with XXXX Bank, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX. I received letters from XXXX Bank validating the accounts were opened by another person using the social security that I did not authorize. I requested a credit block with a credit reporting agency with all required documentation to validate I am a victim of IDENTITY This has not been done. After calling the credit reporting agency I have not been provided information and documentation why this has not been honored. I was informed to submit further documents although they were unable to tell me what documents and why my block was not done or valid. The letter states the block was not granted due to either an error, more documents are needed, or that I received the items. I repeated and requested documentation to this conclusion and I have not received anything to my request.
Consumer complaint received 2020-05-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC. (OH)

XX/XX/20, I received a call from Halsted Financial Services. They called me on my cell and on my work phone. I did not give them permission to call. I have not received any formal information by mail from this company. I called back XX/XX/20 to find out who this company is, and a gentleman began to state my name, address, and the last 4 of my social security number and asked me to verify. I hung up because I had no idea who I was talking to. I called back and a female answered. I asked for the address and the name of the company. The female asked " is this XXXX XXXX '', I proceeded to ask for the name of the company. The female stated in a bullying voice, " do not ignore my questions. '' The company called me from a fraud number, XXXX and XXXX. I've been receiving calls back to back from this number ; I thought it was telemarketers, so I did not answer. I've received several fraud calls, so I've blocked them, but this number has come through with a different suffix. if this was a legitimate company, then they would have sent the information out to me by mail, allowing me time to review and then respond. They have employed bullying tactics they I know will get worse. I've been fighting with the company they represent, XXXX or XXXX XXXX   for three years because they did not apply the payments. I asked if there was a glitch in the system ; I've called the corporate office twice. I could not get the situation rectified so I stopped paying.
Consumer complaint received 2022-04-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

on approximately XX/XX/2021 a new company took over our mortgage. 
we made a single payment through our bank, the same way we have done for years. 
my XXXX XXXX/ Mr Cooper is the new company, we filed a complaint that they took out XXXX payments instead of 1. it took them nearly 1 entire month to refund us back XXXX dollars, a month later they charged us a refunding fee, {$15.00}. we complained several times but they just blow us off and never do anything. we would like our {$15.00} credited to our mortgage and any late fees associated buy the companies mistake, we would also like them to refund us for our insufficient funds fee of {$50.00}. this error was done by the company and not buy us.
Consumer complaint received 2020-05-20
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: Experian Information Solutions Inc. (SC)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPT ED XXXX {$300.00} DPT ED XXXX XXXX {$53.00} XXXX {$370.00} XXXX {$180.00} XXXX {$1100.00} XXXX XXXX {$9000.00} XXXX XXXX {$8400.00}
Consumer complaint received 2020-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. DPT ED XXXX {$300.00} DPT ED XXXX XXXX {$53.00} XXXX {$370.00} XXXX {$180.00} XXXX {$1100.00} XXXX XXXX {$9000.00} XXXX XXXX {$8400.00}
Consumer complaint received 2020-05-20
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello. I would like to file a complaint because Bank of America has entered into my checking account at The XXXX XXXX and withdrew money without my authorization. The withdrawals took place on XX/XX/XXXX, and XX/XX/XXXX both for the amount of {$160.00}. I have not been a member of Bank of America for years, and I no longer associate with this company on any level. All past accounts has been closed for years. I have contacted The XXXX and they explained to me that the amount of {$160.00} has been taken from my account on those two days, and that it seems to be funded into a 401K account under Bank of America. I have contacted Bank of America and explained that they do not see a reason for money to be coming out of my account as all of my accounts with them had been closed. They claimed that they could not see the amount coming from my account, so they gave me over to Merrill Lynch which operated the 401K plans for a company I no longer work for. Merrill Lynch replied that they had no record of funds being withdrew from my account at The XXXX XXXX. 
I have no where else to turn. Bank of America is withdrawing {$160.00} from my personal checking every year without my authorization.
Consumer complaint received 2020-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

I've sent the following message to U.S. Bank several times about a wire fraud committed almost a year ago and U.S. Bank has not cooperated with my bank ( XXXX XXXX XXXX ) in the investigation efforts. I've even been in touch with XXXX 's executive office to escalate this issue and XXXX persists that U.S. Bank has not responded or cooperated : I am contacting you in hopes of escalating my recall case to reclaim {$12000.00} made in a wire transfer, on XX/XX/2019, from my XXXX XXXX XXXX account to a fraudulent US Bank account. Unfortunately, the reason for the recall is that I've been a victim of a wire scam and possible identity theft. 

The details of the crime, involving the impersonation of the FBI and local police, are documented in the following ( and attached ) : Police report ( XXXX XXXX Police Department ) : Case # XXXX FBI ( ic3.gov ) : attached FTC : Report # XXXX Consumer Financial Protection Bureau : Complaint # XXXX XXXX XXXX XXXX Recall : Case # XXXX ) This is the fraudulent US Bank account information ( the wire transfer receipt is attached ) : Beneficiary Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX In my recovery efforts, I contacted XXXX as well as US Bank on the same day of the wire transfer to stop the transfer while it was still pending. US Bank representatives would not speak to me in detail because I am not a customer but did inform me that the recipient account had already been flagged for fraudulent activity and added a note to freeze the wire transfer funds. XXXX opened a recall case ( Case # XXXX ) to reclaim the funds. 

US Bank responded to XXXX on XX/XX/XXXX requesting a hold harmless letter, which XXXX is in the process of approving right now. XXXX informed me that after the hold harmless letter is sent to US Bank, I would have to wait 30-90 days for US Bank to make a decision on the recall. 

I trust the integrity of US Bank to not accept wire transfers to a fraudulent account that was already flagged. I hope you can help escalate the recovery of my funds ( {$12000.00} ) as soon as possible. I worry that the longer this process takes, the more time the criminal ( s ) have to move the funds. My case is currently under investigation by the XXXX XXXX Special Victims Unit and if XXXX and US Bank can not help resolve the issue, my next step is to take legal action.
Consumer complaint received 2020-05-19
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: Experian Information Solutions Inc. (CA)

Experian continues to report false information my credit report - On XX/XX/XXXX, their system decrease my credit score by 18 points, without any reasons. I have called them on several occasion and asked for the points decrease, and they continue to tell me that it is done automatically in their system and they do not know why and can not fix it. On XX/XX/XXXX & XX/XX/XXXX, there was a positive reports on my file by my creditors, XXXX XXXX, they should raise mu fico score by double digits, for paying down the balance and satisfying the account paid in full, their system didn't increase my fico score, instead lowered it by 1 point. 

I called several time to Experian and tired to speak with their dispute department and the membership department, but no luck. Instead they just coninuei to take my membership fees and resolve any issues.
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (PA)

XXXX has XXXX XXXX on my hard inquireys when it has been in lock down for 2 years. How is it possible to keep getting inquireys when my file has been. Locked for years. This happened on XXXX XXXX XXXX? I tried calling police but they don't think it is fruad because the company or person didn't steal anything but my credit score which is theft to me. They said if everybody wrote complaint about hard inquirey that the local police couldn't do anything else to help people that didn't loose points buy articles like a house. This happens every couple months to years. They have their customer service in XXXX and they aren't taught are laws but XXXX laws that are nothing like our laws when it has to do with FAIR CREDIT Reporting Acts? This can destroy Americans futures. These 3 credit bureaus should not be aloud to use XXXX laws ( XXXX not American XXXX. )
Consumer complaint received 2021-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OH)

I paid off Wells Fargo account by transferring account to different lender on XX/XX/2021. My Wells Fargo account ( XXXX ) is non existent when I try to reach Wells Fargo by email or on-line but remains open in credit inquiry by transunion and one other. I would like loan balance removed from my credit scores. I switched lenders due to Wells Fargo poor business practices.
Consumer complaint received 2020-08-24
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. (MD)

I initiated a dispute stating that payment history for my XXXX XXXX account was incorrect. The bureau is reporting late payments from XX/XX/XXXX - XX/XX/XXXX. This is incorrect as per an automatic stay in XXXX XXXX XXXX, I was not required to make payments during that time. Several disputes have come back as verified, and subsequent requests for verification information have gone ignored. This is having a damaging effect on my credit history and ability to obtain a mortgage loan and I am requesting that it immediately be corrected.
Consumer complaint received 2022-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (CT)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : ( Original Creditor : ) / {$2300.00} / XXXX/XXXX/2022
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX is furnishing.

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX complied with this requirement.
Consumer complaint received 2020-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CommonBond, Inc. (PA)

I applied for a loan to refinance my student loans with CommonBond on XX/XX/2020. I received confirmation via email. Since then I have not received a a result and have been asked for multiple information by them including adding a co-signer. I have not received an answer to them since XX/XX/2020 regarding if I was approved, a loan rate, or anything. I have contacted them via email multiple times and via phone. 

CommonBond asked me to add a cosigner 4 days later on XX/XX/2020. I was back and forth with them by them stating that my co-signer put the wrong income amount. When they sent two years of tax returns they stated they could only verify a wrong amount. When I looked at the tax returns and it was more than half of what is listed on the tax return. They did not reply to any emails that I sent after this. I have attached all of my communication with them.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I had opened and used Chase bank 's " preferred sapphire preferred '' card between XXXX. During that time Purchased products for " XXXX '' for a transaction of {$640.00} on XX/XX/XXXX. Recently I had to return the products to " XXXX '', and had an issued a refund. Here 's the transaction reference ID provided by " XXXX '', it's '' # XXXX '', refund issue date is XX/XX/XXXX, vendor said the chase successfully received the refund. 

Later I called chase customer service, the representative said refund can't be sent if the account isn't active, then later I talked to a credit card specialist, they are saying there's no history of me ever owning a " chase sapphire preferred ''. I was shocked since I have emails of bill alert for this credit card, it's ending in XXXX. I also have XXXX with 4 months of all the transaction history, there's even records of the account displayed as closed on my credit report. 

The full credit card number XXXX. 

My goal of this complaint is to ask chase.com to investigate further, I just want to get the refund that is due to me. Thank you.
Consumer complaint received 2022-03-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

Loan was taken out under XXXX XXXX for $ XXXX in XXXX and transferred to Navient. During that time, finances were strained and payments unable to be made. Company offered only deferment, no income based repayment plan. In XXXX borrower joined the XXXX  XXXX XXXX and was XXXX XXXX. During that time we again requested assistance and were told no forgiveness was available because these loans were private loans. Borrower is now full time XXXX XXXX with the XXXX XXXX - XXXX staff out of XXXX XXXX XXXX. Navient is now telling borrower he is no longer eligible for military forbearance because XXXX XXXX XXXX are at the state level, not federal. Federal authority over XXXX XXXX members falls under Title 32 of the U.S. Code. This is considered federal XXXX XXXX for specific state missions and full-time XXXX XXXX. Borrower demanded proof of this policy from Navient and their definition of the difference and is awaiting a response. Current amount of the loan is over $ XXXX.
Consumer complaint received 2022-06-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

On XX/XX/XXXX, I filed a XXXX. XXXX Bankruptcy to keep my home. On or about XX/XX/XXXX, US Bank National and/or employee attorneys working for US Bank National , fraudently portrayed themselves as my " listing agent '' and posted pictures of my home on XXXX  offering it for a " cash '' sale buy through XXXX 
4 days later I discovered this and I began contacting XXXX, sending them a copy of the Court filing and my attorney information confirming that my home is under Bankruptcy XXXX XXXX protection and letting them know I had no knowledge of or a business relationship with a listing agent, who had also posted the advertisement on XXXX and XXXX. 
XXXX legal dept responded to me with the attached correspondence, confirming that this action that violated a federal Bankruptcy injunction was taken by " individuals who claim ownership '' of a note or mortgage toy home. Since then, I have also obtained material evidence that US Bank obtained a second mortgage on my home in XXXX without my knowledge or authorization.
Consumer complaint received 2022-03-31
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: EQUIFAX, INC. (GA)

There are multiple inquiries on my credit report that I do not recognize. I called and was told I would have to file a police report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-30
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. (NY)

Chase failed to credit my account for 5 transactions for which they already collected from the merchant via a chargeback. In response to me, Chase claimed to have been unable to pursue credits from the merchant due to the age of the transaction. However, after going back to the merchant to attempt further resolution, the merchant has informed me that in fact Chase did already collect 5 of the transaction credits. The merchant also provided me documents and details showing how chase had already issued these chargebacks. As it appears, Chase mistakenly grouped all items ( including the once they were unsuccessful without noticing that some were indeed successful ) and failed to apply these credits to my account. I still have an ongoing battle about the other transactions to which Chase has been unable to pursue thus far, however, the 5 which Chase did collect must be credit to my account without further delay. - See my letter for further details.