davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
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. (FL)

After reviewing a copy of my credit report i noticed fraudulent inquiries on my credit file and also an address i have never lived at or been associated with is listed on there. Please remove this fraudulent information from my file.
Consumer complaint received 2022-12-03
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: WATERSTONE MORTGAGE CORPORATION (GA)

15 usc 1681 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consumer report furnish an account without my written instructions 15 usc 1666b A creditor my not treat a payment on a credit account open-end consumer credit as late for any purpose
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Chase Freedon credit card closed my credit card account on XX/XX/2020 for reasons not caused by me. My address was changed to XXXX XXXX XXXX XXXX, FL XXXX And phone calls were made to Chase as well.as my online login accessed pretending to be me. This was done with my IRS address on file as well as my XXXX XXXX  account. 
I can't get Chase credit card services to get someone on the phone to help. I have emailed and called over and over about this issue. There was no reason for this account to be closed. I was never called, emailed, or sent letters about any suspicious activity on this credit account. I have been charged monthly late fees of {$39.00} plus interest on the charges on the card. 
Chase Card can not just close the account for fraud by another person and not reopen a new account for me. I have been trying to deal with this issue since XX/XX/2020 and I can't get a reasonable response. I filed a fraud report with the USPS postal service and will file a police report if needed. 
Please help resolve this issue. 

My social security number is XXXX Card ending in XXXX
Consumer complaint received 2021-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CA)

On XX/XX/2021 I called because I was unable to adjust my FedLoan Servicing loan automatic payments online because the system would not allow it. I believe this is a website technical issue. When I spoke to a customer service agent I let them know I would record the call. They then looked into my account and insisted that my payments were {$500.00} instead of what is posted on the website under my account : {$90.00}. The first agent said it was not possible to change the payment amount and that I would need to pause the payment each month. Then she said that I have already used all six eligible payment pauses. However, I haven't ever paused my payment. She said she couldn't help me. I called back to say that I believed this was a website error. On my second call I told the agent that I was recording the call and that I believed that the website had an error and that my payment due should only be {$90.00}, then she said she would have to put me on hold because she wasn't sure if she could speak on a recorded line. A few moments later the call disconnected. I called back to as for help to adjust my payment and let the agent know that I was recording the call. The agent quickly said that she couldn't speak on a recorded line - I asked her to transfer me to someone who could speak on a recorded line or a supervisor. XXXX ID # XXXX told me that she would not assist me based on the fact that I wanted to record the call for my records.
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (WI)

Loan agreement signed XX/XX/XXXX with BMO Harris. Loan details in 'transfer of rights in property ' references two tax IDs included in the sale. 

BMO Harris paid 1st installment on XX/XX/XXXX for one property tax ID, amount {$890.00} BMO HAS NOT PAID 1ST INSTALLMENT FOR THE OTHER TAX ID LISTED IN SALE, due on XX/XX/XXXX. 

I have emailed BMO copies of both property tax bills : emailed copies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I have called BMO on the following dates, each time detailing that I have two property tax IDs listed in my loan agreement and they have only paid for the 1st installment for one of these and the other one is due XX/XX/XXXX. 
XX/XX/XXXX : work order was put in and expedited. 
XX/XX/XXXX : person I spoke to didnt see any work order listed on my account XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX : called 4 times. Was told that this would he resolved by the due date of XX/XX/XXXX XX/XX/XXXX : called 5 times. Was told this would be resolved by the XX/XX/XXXX. 
XX/XX/XXXX : was told that issue was not resolved, call by the end of the week. 
XX/XX/XXXX : told that issue is not resolved. Transferred to supervisor. Was told that someone would call me within two business days. Was told that if there are late fees, they would pay them. It would not count as anything negative towards me. Still no answer about my account
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (FL)

i went to use my amazon XXXX  credit card thru chase and it went to the amazon XXXX  card instead ; i then called chase finding my balance to be {$8400.00}, my credit line is XXXX XXXX.at no time did they text, call, or e mail me to determine if these charges were authorized by me as discover and XXXX XXXX had, after their investigation they concluded the charges were made by me even though i received no product, or confirming e mail or signed for anything i reported this to yhe police, the internet crimes division etc the charges were billed in XXXX and i now find i must employ a attorney to resolve this
Consumer complaint received 2022-07-23
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX has illegally placed a collection on my consumer reports, violating my FEDERALLY PROTECTED consumer rights. In accordance with The Fair Debt Reporting Act the account with XXXX XXXX XXXX XXXX has violated my rights : 15 U.S.C 1658 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without written instructions from the consumer... I have not given any such permission.
Consumer complaint received 2022-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (CA)

I got a car loan from US Bank and my payment got delayed since I was suffering from XXXX complications for the last few months. I had this XXXX complications since I work at a XXXX XXXX and I have to XXXX XXXX XXXX with XXXX 
Also I tried to setup automatic bill pay from US bank web site and keep getting error online banking is not available at this time ( attached is the snapshot ) and along with XXXX complications and long wait time to get hold of US bank customer care I missed a payment. I kindly request that US bank waived the late payment as a courtesy and the US bank web site allow me to set up an online bill pay to avoid late fees
Consumer complaint received 2022-04-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (TX)

On XX/XX/XXXX I contacted XXXX, XXXX and XXXX about fraudulent information being reported on my reports and submitted disputes for all accounts that were in question. I also reported that my personal information was compromised and needed it to be 100 % accurate due to ID theft that happened in XXXX and also again in XXXX. On XX/XX/XXXX I received an updated copy of my report with some of my request granted concerning my personal information but none of the closed or collection accounts were properly verified. At that I time I requested for a second time to have 100 % account verification and on XX/XX/XXXX my report was updated once again as verified but my request to have proof of the method of verification according to the FCRA section 609, section 605 and section 623 that I have the right to have all data, every notation, dates and balances validated 100 % accurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all violated the law.
Consumer complaint received 2021-02-20
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: AmeriHome Mortgage Company, LLC (GA)

I am a XXXX in the XXXX XXXX whom was deployed from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX, my mortgage was sold from XXXX XXXX  to AmeriHome Mortgage while I was still deployed to an austere environment. The only notification of this action was sent via the Postal Service which I was not home to receive. I had selected auto payments for the mortage with XXXX XXXX and that information was not relayed to AmeriHome upon sale of the mortgage. Subsequently, AmeriHome did not receive any mortgage payments from me for 3 months until I returned home from deployment and collected the notification in my mail. Without receiving payments, AmeriHome began to report my account as delinquent which negatively impacted my credit score ( from XXXX down to XXXX XXXX. I am a Single XXXX ( no dependents ) and the rapid nature of the deployment did not allow time to set up any mail forwarding. I contacted AmeriHome immediately to sort out this situation. At first, it seemed AmeriHome was going to help to fix the problem as they requested I send in my deployment orders to verify I was indeed deployed during the time they took over my mortgage. AmeriHome verified I was deployed and waived the late fees as I made a lump sum payment to get my account current in XX/XX/XXXX. However, AmeriHome was not willing to retract their negative credit reporting on my account with the company. AmeriHome maintained that their reporting was accurate and my inquiries with XXXX XXXX, and XXXX had the same response. It wasn't that I didn't have the monetary means to make the payments. The problem is that I was deployed, notification of the mortgage sale was sent in a manner that was impossible for me to receive in a timely fashion, and my payment information was not conveyed between the old mortgage holder ( XXXX ) and the new mortgage holder ( AmeriHome ).
Consumer complaint received 2020-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC (MO)

Signed up for the XXXX XXXX. Received XXXX XXXX. Had to call and pay XXXX processing fee to even access the credit limit. I did not even apply for this card so they illegally accessed my credit file. Upon payment they read the terms. It was clearly stated on a recorded line that the annual fee of {$99.00} would not occur until the 2nd year. After payment I looked online at my balance and seen that the {$99.00} was charged. Called and got all attitude and hateful people on the phone. No resolve. 

I also made a payment, their site clearly stated all ACH payments will post to your credit line in 5 days. I waited 6 and seen my limit was not adjusted. Called and got a rep who stated it was 7 days. I stated your website in FAQ clearly stated 5 days. She got snippy and said not her problem and hung up. 

The company is clearly out to get consumers and has no compassion or regard to regulations.
Consumer complaint received 2021-10-18
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. (OR)

ALL of my XXXX XXXX loans are closed and discharged in full under the closed school discharge. It took a previous CFPB complaint to get XXXX to properly close loan number 4 out. That one is fixed, however they are still reporting all loans open with full balances on my credit reports. I emailed them a couple of weeks ago asking when they were going to update it as they have updated the UoP ones that I am paying on but conveniently have left these still showing a $ XXXX balance when it should all be closed and {$0.00} and they ignored it.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

went to check my account and found out that citi bank released my funds without my knowledge or permission to a person I do not know on XXXX in the amounts of XXXX and XXXX all on XXXX to a women name XXXX XXXX XXXX have no idea who she is or how she got Citi Bank to give her my money, I have filed a complaint with them but was denied but I filed an appeal have not heard back as of XXXX
Consumer complaint received 2022-07-14
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. (IL)

I submitted a Complaint last XX/XX/22 but I found out that my Complaints # XXXX, XXXX, and XXXX were closed. I am resubmitting my complaint today to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Here is the list of the unverifiable accounts found on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} ; DEPT OF ED/XXXXXXXXXXXXXXXXXXXX Balance : {$450.00} ; DEPT OF EDXXXXXXXXXXXXXXXXXXXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX XXXX Balance : {$1000.00} ; XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$280.00} ;
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

Hello, someone fraudulently opened a savings account under my name and deposited 2 checks in my account and Ive been getting punished for it ever since. Truist is refusing to release me my funds from the account until the fraudulent checks return. Mind you this issue has been on going for 3 months and I cant access none of my money that has NOTHING to do with those fraudulent checks. Ive been getting direct deposits into my Truist checking account for 7-8 months now and they are refusing to give me my money can someone help me Im unable to pay my bills this is my only bank account and Im being treated unfairly and Truist is doing little to nothing to help
Consumer complaint received 2021-01-28
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. (NC)

On XX/XX/2021, I woke up to my credit monitoring alert informing me that a hard credit inquiry has occured on my Equifax Credit File. I immediately logged into My Equifax and saw a posted Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021. 

After contacting XXXX, the representative informed me that someone requested credit with my address but with a different social security number. I REQUESTED that this erroneous inquiry be immediately REMOVED as i did not apply for credit with XXXX. 

I filed a dispute with EQUIFAX to remove this erroneous inquiry but EQUIFAX simply replied that inquiries are " Inquiries are a factual record of file access '' without providing any valid proof or documentation as i requested that was given to XXXX. 

I am requesting that Equifax DELETE this erroneous inquiry which according to XXXX does not match the last four digits of my social security number. I have requested this within 24 hours of when i received the alert from my credit monitoring.
Consumer complaint received 2022-09-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022, I was looking to purchase a camera on XXXX XXXX. It was listed for {$200.00}. I thought the price was reasonable and since the seller provided multiple pictures of the camera, and even a picture of the serial number upon my request, I thought that the seller was selling a legit camera. The seller then asked me if I can pay with XXXX. Being my first time using XXXX XXXX  and since I used XXXX in the past, I didn't think it was something concerning at first. 

After exchanging basic information such as shipping address and name, I sent {$200.00} to the XXXX  account, with a shipping fee of {$45.00} to the account the seller specified. Immediately, I got a text saying that the XXXX  transaction was " declined '' ( Later I realized that they spoofed a Bank of America no-reply phone number and the transactions were never declined in my bank account. Hence the quotes ). I then tried sending the same amount to another account the seller specified. For some reason, only part of the fees went through and the other part was " declined ''. The seller also tricked me by refunding some fees back, acting like he wasn't scamming me. 

After a series of back and forth transactions, the seller wanted me to transfer through paypal. At this point, I already knew I was scammed. To put it to the test, I intentionally transferred the amount through the seller method in paypal, which had buyer protection ( I got my money back from paypal, but not from XXXX/BoA ). The scammer kept saying that he will refund more money if I give him more which I already knew it was a lie and called him out for that. The seller then got very furious and we got into a heated conversation which further verifies that he is actually scamming me. In total, I was scammed {$530.00}. 

That afternoon, I called Bank of America immediately and described my situation. They filed my case and told me to wait for the results. On XX/XX/2022, I got a letter saying that they were unable to approve my recent claim and I had to wait another 45 days if they have any additional information ( document linked down below ). I tried going to the nearest BoA and was told that they weren't able to help me since it's a XXXX issue. I also tried calling the phone number on the claim and every time I was transferred with no one on the other line. Despite my efforts in trying to receive my money, I wasn't able to get a hold of anyone from BoA that can assist me with my claim. 

**The scammer changed their name and tried to hide their tracks by removing the chat logs, but I have it downloaded before it was deleted.
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

I had a secured credit card through Capitol one, to try and build my credit up. I have tried making several payments on different occasions, and they would be returned as NSF, even though the money is on the account. I tried making a payment out of savings on XX/XX/19 and before it had time to process, they closed the account. The only thing I wanted was to pay the bill and now I have a bad mark on my credit.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

I filed Chapter XXXX in XXXX of 2020. All of my creditors except for 3 are still sending me bills and reporting to the credit bureau that I owe them money and these creditors were included in the Chapter XXXX when I filed Those creditors are Best Buy, Macy ; s and XXXX XXXXXX/XX/XXXX. They told me they closed the account, but after the Chapter XXXX was discharged they started sending me bills like it was never filed.
Consumer complaint received 2022-04-06
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. (RI)

On XX/XX/22 I sent a letter regarding inaccuracies on my credit report and to this day I have not received a response. Section 611 states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. I demand these items are deleted immediately or I will file for litigation.
Consumer complaint received 2021-01-28
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. (IL)

I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2021-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.