davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO. (IL)

I've been trying to get a Home Equity loan from my local bank. XXXX XXXX XXXX. While they were researching my mortgage they found I had 3 mortgages outstanding on my home. My mortgage is with Chase. What happened here is Chase bought my Mortgage from the  Mortgage Store in XXXX XXXX Missouri. Now XXXX  XXXX  XXXX was shut down by the government years ago before Chase bought my mortgage. XXXX XXXXXXXX  XXXX paper work was never cleaned up by Chase. After Chase bought my mortgage XXXX XXXX  XXXX mortgages was never closed out. The only real mortgage I have is with Chase. But on my credit report it shows 3 mortgages. Chase was contacted on this a month ago. I don't have the dates on this. Chase told my bank it would take 15 days. I called Chase last week to complain. 5 days later I get a call from Chase that it was going to take another 15 days because they were going to have to get a third party to do this work. This means it is going to take total of 45 days to get this done. Chase should have been done this 7 to 8 years ago when they bought my mortgage. There is no reason my mortgage with XXXX XXXX XXXX should ever show up unpaid. Chase bought my Mortgage and never marked it paid. My bank told me I could get a Home Equity Loan in 4 to 6 weeks. Now because of Chases mistake it's already been 12 weeks and no loan in site. This is costing me money. I have a contractor waiting .I 'm also going to buy equipment  for my business. My business is shut down until this loan comes through. I have customers waiting. Account Number XXXX
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Steaming from an {$120.00} XXXX Dollar Lawsuit with the XXXX vs XXXX XXXX XXXX XXXX and an on going judgment by XXXX XXXX XXXX XXXX XXXX, XXXX ( Attorneys at Law ) on XX/XX/XXXX for the amount of {$1.00}, XXXX dollars. On XX/XX/XXXX, I was harassed, unlawfully and illegally arrested by 4 XXXX Police officers. As a law abiding citizen, I was shopping as a consumer at the local smoke shop across the street from my residence ( located in the plaza near XXXX XXXX XXXX XXXX, in XXXX XXXX, NV ). During that time a male XXXX XXXX XXXX wearing a blue bandanna came up to the customer service rep on duty by the name of XXXX and started making XXXX slurs and XXXX  comments using the XXXX. I turned around and asked the two if they would not say those words and make such a negative atmosphere. Its ruining my day. In return, they were offended by me taking up for my XXXX heritage. As they approached me, XXXX said that the young XXXX XXXX was the owner of the store and he can say what he wants. If I dont like it you do not ever have to come back to the smoke shop. And I ask if thats what he really wants, no problem. Some words were exchanged by the two and the XXXX XXXX tried to get tough and say that he will call his people to attack you. As a result, I said that I will call my people to and proceeded to dial XXXX, as I am walking out of the store to report the incident. After reporting the call, I proceed to the local donut shop in order to purchase the black and mild cigars and energy drink that I attempted to purchase at the smoke shop. While on my way back to my residence, I noticed the two XXXX police cars arriving on the scene. I doubled back b/c I did not want it to look like I fled the scene when I was the person in danger and called the police department. Upon my arrival, the officers approached me, put me in handcuffs and read me my rights after the XXXX slurs/bashing and discrimination continued. While being detained, my identity, lab top computer ( which was in the custody of the XXXX XXXX XXXX XXXX located on XXXX XXXX XXXX XXXX # XXXX in XXXX XXXX, NV ), emails, credit and debit cards were compromised. Approximately, {$5.00}, XXXX dollars were illegally deducted from my unemployment account. Which was award as back pay while applying for unemployment through the COVID-19 epidemic. After I was released from custody I contacted Sheriff XXXX XXXX Area Commands department. The discrimination and XXXX  badgering continued by Detective XXXX via telephone from phone number XXXX.
Consumer complaint received 2020-11-19
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: Commonwealth Financial Systems, Inc. (IL)

These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
Consumer complaint received 2020-11-19
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: CURO Intermediate Holdings (IL)

These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
Consumer complaint received 2020-11-19
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: ACIMA CREDIT, LLC (IL)

These accounts were fraudulently opened and maintained. I've contacted each company and communicated with them that they were fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
Consumer complaint received 2019-07-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked for an investigation on derogatory accounts in collections on my TransUnion credit report from a company called XXXX  XXXX XXXX and original creditor name is XXXX XXXX XXXXS. This company continues to say that I owe them money when I do not. I did my own investigation and they have no signature from me, no Identification, nothing all they have is my name they didn't even know my address. TransUnion removes and then this company instantly puts back another bill with another amount and it's been going back and forth for months and I can not get a decent investigation from TransUnion all they say is " this was investigated and is accurate '' yet I asked for the details of the investigation and 60 days has now passed and I received just a letter from them saying my rights and nothing on the details of the investigation. Please help me remove and block this company from harrasing me on my credit report. Thank you!
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Synovus Bank (FL)

First issue somebody write {$18000.00} check in somebody else company name had it delivery two another address and the bank denied my claim for no reason and would send us information i file XXXX that said that don't have to tell us why but not there money on the line it's my money and then that close my account in issue i should have been tell about something costing that much. Then on top of that I had made claim for XXXX charger because by them closing my account XXXX place hold on my account in i never got my order the bank wouldn't file a claim on my behind ever doe i was tell by XXXX
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

I am having trouble understanding how my credit score is calculated. I've reached out before, but I was told that it fluctuates. Here is my issue : I've been working so hard at paying down my debt as I am looking for a new home. Today, I received a notification from XXXX XXXX that my Equifax credit score dropped. As of today, XX/XX/2020, my score is at XXXX, dropped 11 pts. When I select " see what changed '', here are the changes : Positives in Green : 1- Credit Limit increase on an account by {$450.00} 2- Balance decrease on credit  card by {$310.00} ; credit usage went from 105 % to 0 % 3- Balance decrease on credit card by {$420.00} ; credit usage went from 86 % to 0 % 4-Balance decrease on credit card by {$590.00} ; credit usage went from 96 % to 32 % 5-Balance decrease on loan by {$120.00} Negative in Red : 1- Balance increase on credit card of {$30.00} ; credit usage went from 69 % to 63 % Can you please explain why my credit score dropped instead of increased? This does not make any sense to me. 
Thank you.
Consumer complaint received 2020-10-20
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: CMRE Financial Services, Inc. (OH)

Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX # XXXX -CMRE FINANCIAL # XXXX -XXXX # XXXX
Consumer complaint received 2020-11-19
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-11-19
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 (VA)

I filed a dispute against XXXX XXXX for the amount of XXXX. For not completing the repair of my vehicle. When I received the vehicle it was caked in bonds dust, the van had the bumper damaged from there valet hitting another vehicle, plus the headliner has grease all over it destroying the vehicle. The company responded back, they only supplied the documents that I signed and the scope of work to be completed, of which caused a charge back. I then called capital one same day on XX/XX/2020 of receiving the letter, one to a XXXX, he advised me what to submit step by step directions including a letter from a detail shop to state that bondo dust was threw out and needed to be cleaned with the cost. He advised me that this is all that needed to be submitted. He then sent me a secured link, to forward the documents. I sent over documents that day, and a couple days later on the XXXX XX/XX/2020 the deadline was XX/XX/2020. Capital one then advised me that they did not receive the proper paperwork in time s requested, however on there recorded line they advises that they did receive the paper work and that was not the reason why it was declined but, because the letter did not show enough detail, however when I explained that I followed the direction to the T that was giving to me on there recorded line from XXXX on XX/XX/2020, they then stated once again on there recorded line that the resin it was declined was because I could not dispute a insurance deductible. They have over looked the email that I sent to them, and they are not assisting me in the dispute against the merchant
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (TX)

Online payment made of {$2000.00} XX/XX/XXXX. Online system reported an error and requested that payment be cancelled and reapplied. Payment amount was cancelled and reapplied in the amount of {$2000.00} w/o confirmation of payment.XX/XX/XXXX checked the account and no payments were applied neither was there a payment confirmation., thus payment of {$2000.00} was reapplied and only " then '' did I receive a payment confirmation for the posted amount of {$2000.00}. XX/XX/XXXX, I went online to pay balance of {$620.00} and DISCOVERED that two payments in the amount of {$2000.00} totaling {$4000.00} was scheduled to be drafted from my bank account! I immediately notified the company to discuss why this happened and was unsuccessful in resolving this issue with agent, secondary to a lack of communication ( listening/comprehension ). I spoke with three supervisors on the XX/XX/XXXX and neither of them could resolve and the latter insisted and requested a check to be mailed to me ( {$1300.00} ). I continued to inform her that this was erroneous and that the company did not " owe '' me any money. I only wanted the company to see that their was a system error that posted an " additional unauthorized payment amount of {$2000.00}! '' The three supervisors ALL contested that my account was paid in full and nothing further " needed '' or " could '' be done in this matter. My spouse called on XX/XX/XXXX and spoke with a supervisor who canceled the check {$1300.00} and yet the check was applied to my account on XX/XX/XXXX. My spouse also spoke with another supervisor XX/XX/XXXX due to an overdraft by my bank and she issued a {$35.00} credit for the inconvenience. As of XX/XX/XXXX, XXXX the canceled check has been applied to my balance {$620.00} leaving a balance of {$2000.00}, CRAZY
Consumer complaint received 2020-11-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, someone used my Bank of America ( BofA ) /XXXX XXXX Visa card to purchase {$1100.00} worth of merchandise in XXXX different transactions. These transactions happened in XXXX, Washington. I was contacted by BofA to ask if my card was being used potentially fraudulently. I said yes ... .BofA said they had already stopped the card so it couldn't be used anymore. A Fraud Claim was started with BofA ... .and then I received a note saying that my claim was denied. Here 's what I would add : 1 ) BofA called me to alert me to the fraudulent action. 2 ) The BofA claim representative said to me on the phone ( recorded call ) that a new card had been sent to me on XX/XX/XXXX. I said I never received the new card. I had not requested the card. 3 ) The denial was based in part on my " account history ''. Any savvy investigator would easily be able to determine that the fraud was unlike any other usage pattern I had established. So, this made no sense to me ... .especially since they had called me ... .based on??? Usage patterns I would presume. 4 ) The denial indicated that I had used a PIN. This is a Visa card ... I had no PIN for this card. 5 ) My credit history and Visa card usage would point to a clean credit history ( I just bought a house so I know ) ... .no bogus fraudulent claims, no payment history problems, etc. 6 ) I canceled my BofA account. Why should I do business with them ... .a company that treats it good customers so poorly? 7 ) I've concluded that BofA don't care about the facts in this case ... .they are being arbitrary and acting contrary to good governance. Acting contrary to pretty clear evidence. 8 ) Lastly, I have submitted a police report with the XXXX, Washington Police dept to track the fraud. THANKS
Consumer complaint received 2020-10-20
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. (FL)

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-20
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: Stern Recovery Services, Inc. (OH)

Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : -STERN RECOVERY SERVICES # XXXX -XXXX  XXXX  # XXXX -XXXX  # XXXX
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (TX)

Hello, I received a CP2000 from IRS on XX/XX/XXXX for an error on my XXXX tax return because of a mysterious debt cancelation that occurred in XXXX. This is the first time I became aware that I was a victim of identity theft and fraud on XX/XX/XXXX with my social security number being used along with an old address I occupied 16 years ago to open some sort of online bank account with US Bank NA, XXXX XXXX XXXX  XXXX. XXXX XXXX, MN XXXX. The perpetrator unlawfully received {$10000.00}. US Bank says it was some sort of debit card and bad deposit transaction. Since a 1099C has been filed with the IRS, the IRS now looks to me for the " unclaimed income '' and is charging me with a {$2300.00} invoice. 

I have officially filed a police report with my local department and have an open case with USBank. 

.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

During Covid 19 Bank of America offered a Deferral program in which I took advantage of due to financially difficulty. I have to approval letters and dates the offer was valid. Our home was on the market to  be sold and we did sale in XX/XX/2020 and the program was through XX/XX/2020. The mortgage is paid in full and the amount paid was {$480000.00} with balance owed and all fees and interest due from the deferral period. We are in the process of closing on a new home and my credit rating
has dropped from XXXX to XXXX on XXXX  'XXXX  reporting system due to Bank of American reporting that I was 120 days late on my mortgage. I have tried calling the bank several times and end up transferred to different people, different divisions and being disconnected from calls.

I plan to go to a local branch tomorrow but once I pulled my report decided it may be best to also submit this information to the most accurate credit reporting agency out of the three. Thank you for your help in this matter. I'm concerned we will not be able to purchase in a timely manner and the closing will not happen for our family.
Consumer complaint received 2020-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

- I filed an insurance claim guaranteed by my Amex card to Amex XXXX. My laptop was taken within my sight by a XXXX in a coffee shop and Amex is denying it saying it was negligience although the laptop was within my sight.
Consumer complaint received 2020-11-19
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. (IN)

I contacted Equifax on three separate occasions and they never return my call. Someone from a bunch of different agencies had hard inquiries listed on my credit report. I haven't applied for any credit, credit cards, car loans of any type. I have checks by companies i've never heard of!!!! I spoke to one person one time who refused to give me their name in the month of XXXX this year!!
Consumer complaint received 2020-11-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CARRINGTON MORTGAGE SERVICES, LLC (DE)

The mortgage company 's policy is, if the account was current and you request forbearance, the mortgage company will not report you to the credit agencies, my account was current and they reported me to the credit bureau.
Consumer complaint received 2020-11-19
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

This debt was charged off. The last activity on this account was in XXXX which is beyond the statute of limitations to collect on this debt. Once charged off this company increased the amount of debt they were collecting on and continued to report to credit bureaus in XXXX. This debt needs to be removed immediately as they are no longer able to collect on this debt due to the statute.