davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
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: Experian Information Solutions Inc. (NY)

Credit Bureaus will not remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX I've been submitting disputes for months now and they refuse to remove these accounts. These accounts are not mine I have even submitted a police report regarding this matter please expedite the removal of these items from my credit report.
Consumer complaint received 2023-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

I have 8 direct Federal loans serviced by Mohela. I made a payment on XX/XX/23 before repayments restarted so I could target my highest interest loan. I paid enough so that the interest and principle on that loan would be completely covered by the payment. I specifically requested to Mohela to direct the entire payment to that one loan. 

Initially it appeared that this was done, my principle for that loan dropped down to {$0.00}. However on XX/XX/23, this payment was retroactively changed so that it paid off all the interest for all my outstanding loans before it went to the loan I requested. As a result I now have a large outstanding principle on the loan I directed the payment towards. 

Not only is this sneaky since this was done retroactively ( and I have documented evidence that the listed principle for that loan was {$0.00} earlier this month ) it is a way of trapping people with student loans with their highest interest loans.
Consumer complaint received 2023-07-04
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: ALLY FINANCIAL INC. (GA)

I was attempting to purchase a home and noticed I had erroneous, inaccurate and damaging information reporting on my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report because this is a defamation of my character. I am hereby requesting all erroneous, inaccurate and damaging accounts not be updated but removed from by credit reports as required by law immediately
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

Im tired of sending letters disputing the inaccurate information in my credit report to Equifax Is Equifax is violating my right with inaccurate information on my credit report I sent my ID and Address and I dispute to remove all the inaccurate names, addresses form my credit report and Equifax didnt remove this inaccurate information from my credit report even I sent the proves and documents Equifax even have a company in my credit report that I dont even work for Equifax is affecting my F. Credit with all this inaccurate information Im tired of sending letters to this F. Of Equifax and they are ignoring my disputes and violating the law No matter how many times I sent letters Equifax dont want to comply with the law Is an abuser company having inaccurate information that isnt accurate This F company is F my all credit report is ignoring me over and over No matter how many times I sent a dispute with proof I dont work in the XXXX XXXX XXXX  The only name That must have to be on my credit report is XXXX XXXX and XXXX current adresss Stop XXXX my credit
Consumer complaint received 2022-03-23
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. (SC)

The below are very erroneous and it is impacting my life my credit score. FCRA Section 623 ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency.
Consumer complaint received 2022-03-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Hello, I was looking for used XXXX XXXX in XXXX XXXX  and got an offer as well. Ive agreed to pay {XXXX} as initial amount for total price of {XXXX} and transfer to the persons XXXX mobile # ( XXXX ) XXXX on XX/XX/XXXX. When I checked with the person on XX/XX/XXXX there was no response and no one picked the call too. When I contacted through text message on the same, I got a response saying its a wrong number. When I explained about the ad conversion, after that no response from the person and mobile was switched off. Pls take right action against this scammer
Consumer complaint received 2022-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I lived at the XXXX apartments from XXXX. In XXXX of XXXX I was advised by XXXX XXXX ( manager ) that the unit I was renting would be renovated and that I would have to move. In an effort to assist with relocation I was told You dont have to pay the rent for XXXX, save your money to move. It is outlined in the notice. 

I moved from the property on XXXX. I did not become aware of the debt being reported to my credit until XXXX. At which time I took the following steps. 

XX/XX/XXXX I sent my initial email to XXXX  and telephone calls ( no response ) XX/XX/XXXX During a follow up call to XXXX  I was told to speak to XXXX XXXX XX/XX/XXXX XXXX XXXX said he would send me a moveout statement ( per my request ) XX/XX/XXXX Followed up on my request for moveout statement. 

XX/XX/XXXX Spoke with XXXX who said he would be contacting XXXX with next steps XX/XX/XXXX XXXX outreached in an attempt to collect the debt. I explained the situation and was told they would contact XXXX  to confirm the amount is error XX/XX/XXXX XXXX said that they had not heard any response from XXXX or any associates from XXXX  I have sent a certified verification of debt with my 60 day notice as well as text messages between XXXX ( manager ) and myself to XXXX and XXXX XXXX. I received a response from XXXX with a copy of my lease and move-out statement. They refuse to acknowledge any of the proof that shows the debt is being reported in error. 

There were numerous attempts to contact XXXX thereafter with no response. Upon reviewing the ledger I am being charged for XXXX Rent : XXXX + late fee XXXX XXXX Rent XXXX + late fee XXXX These charges are wrong and I have exhausted all possible remedies with the collection company and original company XXXX XXXX.
Consumer complaint received 2022-03-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This is a reopened dispute with PRA.

The company continues to assert that they mailed me information that I never received. The company does not acknowledge the debt as identity theft. It is. 

I am a victim of identity theft, both in XXXX, when I first saw the theft on a credit report trying to refinance to pay off the divorce settlement. I tried contacting XXXX car care 's fraud department, the company that had the identity theft line of credit. Each time, the company refused to acknowledge that my reporting the theft means exactly that ... that it is indeed theft. 

I paid a credit clearing company to clear the debt, from my credit reports, since XXXX XXXX  refused to cooperate. 

I was not aware that they sold the identity theft account to PRA until XX/XX/XXXX. I discovered PRA when I opened my credit reports to run my credit to refinance and pay off my loan per divorce decree.

PRA, in previous response through this portal, acknowledge receipt of my claim. The response stated was that the dispute would be looked into and I would be notified of the results. 

Instead, the dispute department posted a negative remark on all 3 credit reports. This is against the law and unlawful to do during a dispute. All negative marks need to be removed from all 3 credit reporting agencies. 

I request all original signed documents applying for this credit card by XXXX XXXX, that your company has in its possession form my records and police report file.
Consumer complaint received 2022-03-17
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2022-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (MS)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CrossCountry Mortgage LLC (FL)

After Hurricane IAN devastated XXXX, my mortgage company Cross Country Mortgage Inc. offered me the opportunity to go on the mortgage relief program with a forbearance for 3 months and resume payment thereafter. I was given specific instructions and I asked specific questions pertaining to my credit score being affected. I was also told by Cross Country Loss Mitigation that when the payment resume, it will be credited to the current month, and the balance resulting from the forbearance will be deferred to the end of the loan. I also asked repeatably, if my credit will be impacted at all, to which they replied NO, multiple times. All these conversations on a recorded call as they disclosed at the beginning of every customer service call Upon completion of my forbearance, I resumed my timely payments. I have evidence they collected the payment on time. However, they credited the payment to the month of XXXX and not the current month as they told me, and they reported me 90 days late and my XXXX score dropped XXXX points from XXXX. They told me that my next payment will be credited to XXXX. This situation will create recurring 90 days late. This is incorrect based on the terms of the forbearance I was given. 

I tried to get this resolved with the lender and their research depart but it's not going anywhere. I asked the research department about the process to subpoena the recorded calls, but have not heard back from them yet. 

This is a serious matter and very detrimental to my family 's financial stability. I hope you can help me. 

Kind Regards
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022, I received a letter from Chase Bank stating that all my bank accounts, business accounts will be closed within a month of two.There was no explanation as to the reason for this. 

On XX/XX/XXXX, I reached out to Chase via phone to ascertain the reason for this but despite multiple phone calls, no one told me why all of my accounts were being closed. 

On XX/XX/XXXX, I went to the nearby regular Chase bank branch to request the reinstatement of my accounts but they did not give any reasons as to why they could not reinstate my accounts. They also did not share any reasons for the closure despite my multiple pleas for the same. 

I am a small business owner and recently started my UX design freelance work. I am a single mother and I manage a day job along with my UX freelance work to support my family. I have Chase as my primary bank account and credit card account for my personal self and my business. I only do regular daily transactions with my accounts and there have been no cash or large transactions in my accounts ever. I have recently immigrated to the XXXX  and I rely on Chase for their banking services. Closing all of these without a reason is very troubling and harrowing for me. 

Please. I request chase to reinstate my accounts as I have abided by their banking terms and I have done nothing wrong with any of my accounts.
Consumer complaint received 2022-03-17
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 (NY)

Ive been breached someone used my information for SYNCB/OLD NAVY inquiry on XXXX also the address reported XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (PA)

XXXX ) I have a credit card ( Chase Freedom ). Over the past XXXX XXXX yrs, I have not had a credit card from Chase. They closed my account due to an unauthorized purchase in the past. have been trying multiple times to get a new card sent to me in the mail. I have not yet received it. They claim that they keep sending me a new card every time, they verify my address prior to ending the phone call and tell me that I should receive up to XXXX business days. I never do. I have not made it a serious issue since I did not use it. 
XXXX ) I have not been able to login to view my account in over XXXX yrs now. I have tried over XXXX month ago with a customer service representative, but was unsuccessful. He claimed that my account was locked out. In addition, it is hard for me to get service, since the call requires a XXXX digit credit card number. I do not have a card XXXX ) I have been a customer with this bank for XXXX  years, and was never late on my payments. Recently, I have been late, XXXX times. I explained to the rep, that I can not sign in to my account still. I wish to have these late payments taken off my credit report. The rep told me that he can not help me. I do not think that I can resolve these issues on my own. I really need your help. 
I would be most grateful. 
Warmest Regards, XXXX XXXX ( XXXX XXXX
Consumer complaint received 2021-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX of XXXX I submitted a complaint to fraud department Bank of America about a company defrauding people under false pretenses of being investment company. Most of the scams our days happen through crypto because of irreversibility and anonymity of its nature. However, the transfer of money to crypto exchange platform of a person who has never done it before did not bring any questions from the Bank side. If I was warned about possibility of scam, if bank employees called me and looked into these transfers, I could have avoided loss of my hard-earned money.
Consumer complaint received 2022-03-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

BK OF AMERXXXX 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MO)

Most of my student loans were transferred from Navient to XXXX, except for three accounts. Upon checking my credit reports, Navient shows that they have added interest to my accounts to the tune of a few thousand dollars since XX/XX/2020, when the student loan pause took effect and interest rates were set to zero. They also show that I have {$150.00} in unpaid " fees '', whatever those are.
Consumer complaint received 2022-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

I have debt collection on my credit report I do not authorize I would to get it removed from my credit report immediately it do not belong to me I want it to get remove from all 3 credit bureaus immediately Collection agency name : AMSHER COLLECTION SERV Amount : {$930.00} Account Info XXXX Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Consumer complaint received 2022-03-16
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. (FL)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Over a year a go i got a pass due bill from capital one menards big card. I never made the purchase and filed a fraud complaint. Thought it was cleared up until XXXX everything came back with all late charges. I never made the purchase plus my credit card ends in XXXX and capital one says its XXXX number. Capital one said its my fault and to pay it. How can it be my fault for a charge i never made. Paying thr bill isnt the issue the issue is im not paying for something i never charged. Why is it my fault and why should i pay for something i didnt charge. But capital one said i have to pay it theres nothing they can do? Watch out for capital one for charges you never made they will ruin your credit like they did to mine making it drop XXXX points. I live off XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Their charge is half my monthly pay with all the late charges. My card was paid off no balance now in screwed suffering for their mistakes. Watch your credit charges for things youve never charged!
Consumer complaint received 2021-09-15
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: Experian Information Solutions Inc. (AP)

Multiple disputes submitted for this fraudulent collection on Experian. It still has not been deleted. 

Experian - XXXX XXXX {$300.00}