davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This university is trying to charge me twice for a debt I already paid to the VA office for my post XX/XX/XXXX education benefits. I have attach the proof that I pay it below with the XXXX balance from the va XXXX XXXX XXXX. I have talk this university serval time in XXXX and XXXX because its still showing up my credit report and it should not be there at all.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (NY)

Roughly 4 years ago, I was a victim of check fraud for {$400.00}. In my freshman year at XXXX, a XXXX  teenager asked me to deposit a check for them so they could collect their first paycheck from their new job. Being young and wanting to help someone, I deposited the check to assist them. After finding out this is a common fraud, I worked with XXXX to correct the issue and had my account closed. The personal banker told me that after a year at another bank I could return. 4 years later, I wanted to open a new account after obtaining my XXXX XXXX from XXXX to build back my checking history. I was told despite never receiving formal writing that my relationship had ended and essentially received a lifetime ban for being a victim of a {$400.00} scam at age XXXX. After being on hold for over 8 hours over the course of 2 days, the decision was reversed and I was able to open a new account. However after funding the account with {$1000.00}, I was locked out due to suspicious activity. 1 week later and over 10 hours of calls, I am unable to access my online account, withdraw my funds, or speak with anyone to inquire about my new account or the considerable funds locked inside. If being banned for life after being a victim of fraud for an immaterial amount with no disclosure or writing was bad enough, Chase has decided to play phone call ping pong with me, separating me from a balance more than double the {$400.00} they chose to end the relationship over. Terrible customer service may not be illegal, but making life impacting consumer decisions without proper documentation and notice and refusing to serve a new customer with over {$1000.00} feels comparable to fraud and theft.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX {$7600.00} XXXX XXXX XXXX {$21000.00} XXXX {$0.00}
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Credit Plus Inc (OH)

they called multiple times within a few days and left this message from multiple different numbers from different states with the same voicemail- sometime changing the name to XXXX XXXX Hey it's XXXX XXXX XXXX XXXX and I'm just following back up with your online request for getting some financial help and I was able to get you an approval that I think you're gon na like so just go ahead and call me back so I can give you the details just know that the program does have limited openings and is on a first come first serve basis so just call back soon to finalize the details my number is XXXX and anyone can help you out just in case I'm busy with someone hope this helps you out and we'll talk soon.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have an old account on my credit report showing inaccurately from XXXX  the account was closed and paid as agreed it would be removed of my credit report once I paid the account they closed the card and put charge off on my credit report however this account is statute of limitations and should be removed it is over 7 year any way please help in this matter
Consumer complaint received 2021-11-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

I C Systems at IC System Correspondence XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of {$270.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX has shown me late on XX/XX/XXXX and XX/XX/XXXX however i have contacted them stating this is incorrect and where is any proof these were late and no response given. i have also disputed with all 3 bureaus and nothing comes back with any proof these are correct
Consumer complaint received 2021-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Citizens Bank limits the ability of consumers who have difficulties communicating via telephone to communicate with the bank since it does not allow consumer to properly respond to the written messages from its customer service by imposing severe liitations. 

Today I attempted to respond to a message from Citizens Bank with the following information : Note attempted to be send to Citizens on XX/XX/2021 '' 'The account XXXX has a monthly fee, so I would really appreciate that it is closed NOW. 

I am not able to delete the repeated transfer that I had previously scheduled to be made every month that now has the next instance set for XX/XX/2021 since I do not see it in the list of " Scheduled '' transfers. Please remove this transfer or, if you also do not see it, report the problem to Citizens Bank. 

Thank you -- -- -Original Message -- -- - Dear XXXX XXXX Thank you for your reply. 

We have processed your request to close your account Once a savings account reaches 60 calendar days at zero, it will terminate on the 61st calendar day ; a terminated account can not be reopened. 

Please note, closed and terminated accounts will continue to appear online until they are removed from our systems. In the meantime, you are able to hide this account by clicking on Settings which is located on the right just above the list of your accounts, on your My Accounts page. After clicking on Settings, check off Hide to the left of the account you wish to hide. 

To cancel or edit an online transfer, click on Transfer Money on the top or on the left of your online banking My Accounts page. 

On the next screen under Recent transfers click on edit or delete to the right of the Scheduled transfer you wish to edit or cancel. 

Click on delete to the right of the Scheduled transfer you wish to cancel, and then choose your option ( Cancel this transfer or Cancel all of these transfers ). If you wish to edit the transfer, click on edit to the right of the Scheduled transfer you wish to edit. On the next screen, choose your option ( Edit this transfer or Edit All These Transfers ). 

If you have any further questions or concerns, please call our Customer Service Center at XXXX and a representative will be happy to assist you Monday Friday XXXX XXXX and Saturday Sunday XXXX XXXX. 

We value you as a customer and appreciate your business. Thank you for choosing Citizens. 

Sincerely, XXXX XXXX XXXX XXXX ' When trying to submit this message I received the following notification : 'Error Received The information you requested could not be displayed. Please select " Go Back '' and try again. 
Go Back '
Consumer complaint received 2021-11-02
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I booked a hotel room with XXXX  My credit card was charged XXXX. When I arrived at the hotel the desk said that the balance wasnt paid and then again rung in my credit card for XXXX. The hotel staff said my credit card was declined. So I paid cash. Then when I checked my statement I see that I was charged 3 times. Capital one keeps sending me a link that doesnt work to submit documentation.
Consumer complaint received 2021-10-07
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. (AR)

XXXX XXXX  is reporting correct except there are some blank spaces on some months that need to be marked ( ok ) not blank. We have never missed a payment or late. 
Factual inaccuracies dates are not consistent with other agencies. Term of loan is blank on equitable and need to be fixed transunion and XXXX are the ones that are missing correct reports this needs to be fixed asap. And reflect on my report
Consumer complaint received 2021-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX  XXXX  XXXX  XXXX  reported a 30 days late in XXXX of 2017 however this is not correct and i asked for something showing were i was late since its paid via internet but received nothing. i disputed with all 3 bureaus however none of them did a good job investigating it
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I was contacted by XXXX  on XX/XX/21 ( SUNDAY ) through an EMAIL from an agent named XXXX XXXX, then I sent a reply that my name is being fraudulently misused and then I received an email on XX/XX/21 from an agent named XXXX XXXX. ( Last name was not mentioned other than the initial XXXX ), that stated : Taken from the FTC Fraud Affidavit and meant to help with the investigation. Please answer as many as you can and attach any supporting documentation. 
Please provide your full legal name, date of birth, drivers license number, current address, and the date you first lived at that address. 

Please provide information about the fraud ( like when you first discovered it, when you reported it to authorities or others, details about other frauds committee using your personal information ). 

If you know the name of the person who used your information or identification documents to open new accounts or use your existing accounts or otherwise commit fraud please provide their name, address, phone number and any other information about the crime ( like how the identity thief gained access to your information ). 

Attach any police report, government ID containing your signature, or other document that you believe would be relevant. 


If you prefer, you can mail this information to XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, but I did not. Also, XXXX XXXX. had the original address : XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX, that XXXX XXXX used for XXXX  on XX/XX/21 BUT she also enclosed another address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX, within the email Thank you, XXXX XXXX
Consumer complaint received 2021-11-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

During XXXX XXXX XX/XX/ I was a victim of identity theft and my information was used to apply for several accounts, which resulted in me filing a report with Identitytheft.gov and contacting each bureau to resolve as well as dispute the hard inquiries acquired. I reached out to Bank of America regarding the fraudulent application and was informed that someone from the fraud investigation team would be contacting me, but no one ever did. XXXX informed me that the account was closed and would be updated with all three bureaus to reflect as fraudulent but only a few months were deleted from only my XXXX report and not the overall account as it is still reporting as delinquent and negative. I also contacted XXXX to inform them that I had not submitted an application and was told, " the application was submitted online and flagged as potentially fraudulent, which resulted in an instant denial due to further review being needed '', and was informed that it would be removed within 90 days but that wasn't the case.
Consumer complaint received 2021-11-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation (DC)

I entered into an agreement for a car loan with XXXX on XX/XX/15. The loan was for 60 months at interest rate of XXXX for a total amount of {$35000.00}. After 2 months the loan was sold to Bridgecrest, which I believe is the same company as XXXX based on the telephone numbers I called to make payments. During the course of the loan there was a repossession which was cured but the money paid to cure the repo was not reported on my payment history. There were late payments on the account which were charged {$50.00} per my contract for each month the payment was paid late. They did put 7 monthly payments at the end of the loan which would have made the loan a 67 month loan to payoff. I continued to make payments and realized that I'd made 72 payments. I called Bridgecrest to speak with someone but I kept getting the run around. I sent 2 letters asking for why the loan wasn't paid off yet since I'd made 72 payments on a 60 month loan. Even if they added the 7 extra months it still should be finished. I continued calling and finally stopped paying the loan until I get an answer about this.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I've contacted the 3 major credit bureaus on several occasions informing them that the personal information that they are reported on my credit report is incorrect and inaccurate. I have yet to receive any response or see any change and/or update to my credit file
Consumer complaint received 2021-11-02
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. (AL)

Hello, About a week ago I signed up for Experian with my email address to check my credit. I found some errors that my X-wife had not rectified and corrected those. About a week later I received an email from Experian advising me that my email address had changed. It gave me a link to click to resolve the issue. I could not access my account because my X-wife had changed the email to hers. I tried to recover my username/ password using my SS # and DOB XXXX but again, this information is being sent to my X-wife 's email address. Needless to say I have zero contact with my X. 

I contacted three different phone numbers for Experian, but all were the same phone maze that would not connect me with a live person, but directed me back to the website to repeat the action noted above. I have had several email exchanges with Experian, but they keep sending me back to the website to repeat the same action noted above. 

I added fraud alert to my Experian account and gave them my money, but not sure that helped. I tried to add a freeze to my credit, but again, I don't know if that has been activated. 

I have also advised my lawyer. 

I just need someone from Experian to call me or actually help me recover my account.
Consumer complaint received 2021-10-07
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: Experian Information Solutions Inc. (TX)

Hello yes contacted Experian do to unrecognized inquires due to there misreporting And their customer service would not help and take care of the negative inquiries reporting to my credit report. XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry date : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2022-10-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EAST WEST BANK (IL)

On XXXX XX/XX/XXXX, my checking account was frozen by the East West Bank. The reason they gave me was that I received my XXXX tax refund from IRS and they think this fund was " very suspicious ''. They asked me to provide all the confidential materials to prove that " I am eligible to receive the tax refund '', including the photo of my SSN, the tax refund forms, and my recent earning statements. I highly doubt if the East West Bank has such rights to collect confidential information from me. However, after I submitted all the materials, the East West Bank still refused to unfreeze my account. 

Meanwhile, East West Band continued to demand more materials that I do not have or never heard of, such as " letters from IRS that assigned ITIN to me 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, so I have SSN and used SSN for tax refund. I do not have " letters from IRS that assigned ITIN to me '' and the East West Bank refused to unfreeze my account for such ridiculous reason. 

Now, I am facing an extremely difficult financial situation because all my money is in this account. I would be very much appreciated for your help! Thanks a lot!
Consumer complaint received 2021-11-02
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. (TX)

I RECENTLY REVIEWED A COPY OF MY CREDIT FILE. I DISPUTED SOME ITEMS THAT WERE NOT AUTHORIZED. TWO OF THE THREE CREDIT BUREAUS REMOVED THOSE ITEMS. I HAVE SENT A COPY OF THE ITEMS THAT WERE REMOVED, UNDER THE FCRA ANY ITEMS THAT HAVE BEEN FOUND TO BE IN ERROR OR REMOVED MUST SHARE THEIR FINDING WITH THE OTHER THREE MAJOR BUREAUS ARE REMOVE ACCORDINGLY. THEY REFUSE TO FOLLOW THEIR OWN GUIDELINES IN PLACE.
Consumer complaint received 2021-11-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (UT)

This is my second complaint about Caliber Home loans. I originally called them in XXXX to let them know that I was ready to end my forbearance and start making payments but the payments were unaffordable due to long term decreased income due to covid and I would need a flex modification as a solution to covid post-forebearance. I sent in the complete package in XXXX and also called to confirm that they had received it all to which they said they had. Then in XXXX they said they hadn't received it all and I sent numerous items repetitively back to them. It actually felt like they were giving me the run around with the items they were asking for and they were changing the requests. I finally received a letter in XXXX stating that they had FINALLY officially received the modification package complete again ( though they had confirmed this in XXXX ). I then received a string of automated calls last week stating that I needed to call Caliber for a status update. I called and called and the system said that they were doing 'upgrades ' and that the system was down. ( Why they are sending automated calls for customers to call a system that is down is another problem ) So I called this morning on XX/XX/XXXX only to find out that we have basically started over. The rep asked me if I am ready to begin making payments and they will get me on a deferral program. I now am two months into this ridiculous process and we are restarting the process all over again. I have told them that I can not make the current payments and I requested a flex modification through the CARES act 2 months ago. She said all she can do is notate the account that I am ready to begin making payments and they will look at a deferral to begin the post forbearance solution. I can not begin to tell you how frustrated I am with this company. They said a modification takes 30-40 days to complete back in XXXX Its now been 2 months and they are starting over with everything. Absolutely awful company. It appears to me that they are trying to get customers stuck in the weeds as long as they can until they are forced to exit out of Covid Forbearance quickly... thus forcing them into a deferral last minute. CFPB needs to know what a mess this is and how difficult it is for customers to navigate.