davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

Chase Bank, in retaliation against my filing a complaint ( XXXX ) against it, responded to my request for recent statements never received, sent me copies of two statements that were reduced in size by XXXX. It is impossible to read a statement only XXXX of the normal size. Even wearing reading glasses, I can not read the tiny print. Furthermore, this is Chase Bank also acting in a discriminatory manner against the elderly, of which I am one. It knows my age and purposely sends me an unreadable very small image of a statement. It is impossible for me to reconcile these two statements because of their tiny size. Chase Bank purposely utilizes this deceptive and criminal tactic not only to harass me, but also to be able to continue to add on late fees and interest charges. I can not, and will not, pay anything until I can confirm the validity of all charges. I have voluntarily refrained from using the credit card, and will not do so unless and until I receive legible statements AND all fees and interest are removed IN FULL Billionaire XXXX XXXX is negligent in running Chase Bank and fails to stop its abuse of the American public.
Consumer complaint received 2020-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Credit Corporation (MA)

Credit Card Company Has Recently been asking for my Full Date of Birth ... .. No Other Cards Do This ... When I try & get info. on my account ... I explained.. my concern.. was told, I should go online to check my acct.. info ... or give Date of Birth .. Asked for Manager.. was Disconnected .. 

Called back.. was told " Even a Manager Will Ask for Date of Birth '' ... This seems Like Too much info ... 
last 4 social address phone credit card # Never Asked for DOB .... Can u explain if they are in violation.. of my privacy rights ... 

AVANT credit card ... 

XXXX XXXX Thank You
Consumer complaint received 2020-06-24
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. (TX)

I have unknown information on my credit report I am reporting that there is inaccurate information on my credit I was not aware of i recently pulled my report and I found that I had 16 name spellings and various addresses with inverted information numerically and many other errors or co panics that I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX TX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Companies XXXX XXXX XXXX XXXX XXXX was a co sign inaccurate account amounts XXXX   XXXX XXXX XXXX XXXX XXXX XXXX IS MY PERSONAL XXXX INFORMATION XXXX XXXX XXXX SYSTEMS I GAVE NEVER DONE INQUIRIES WITH THESE COMPINES XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc. (IL)

I settled a debt with Advance America on XX/XX/2019, via lawsuit against them, in the principal sum of {$380.00}. Advance America has now sold the debt to XXXX XXXX XXXX. 

I found that they are now reporting this on all three of my credit reports. 

Advance America are breaking the law by selling this debt. XXXX XXXX XXXX is breaking the law by trying to collect this debt and now illegally reporting it on my credit reports. XXXX, XXXX and XXXX are also breaking Federal Laws by reporting incorrect information on my credit reports.
Consumer complaint received 2020-11-03
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (WA)

There are multiple numbers calling at all times of the day trying to collect on Navient student loans, calling on people whom they'll never get paid. Do they know that the job market is desolate for women with children, as employers don't want to hire women in their homes caring for children, as evidenced by a video interview on XXXX XXXX featuring a women who was discriminated against for children crying in the background. The job market has less jobs than people looking, and the job growth numbers are stagnant as per the XXXX XXXX XXXX XXXX. The many women who've stopped looking for jobs indicate job market deterioration per the XXXX XXXX XXXX. There are next to no daycare services, and schools are closed because of the Covid-19 plague. These companies like Navient know this, but they keep attempting to pursue collection activities knowing they won't collect. There are numerous complaints online on phone number verification sites such as XXXX about a " XXXX '' and others who keeps leaving messages from this company. One such number received on my cellular was XXXX. These collection activities couldn't be pursued at a worse time with unprecedented stress levels, and are inciting violence. These collectors must throttled to prevent more shootings, riots, and beheadings, acts which are occurring all over the world and a byproduct of economic collapse. I'm a student loan holder and graduate of XXXX XXXX XXXX, 2006, which was recently closed due to government fraud. I'd applied for a Borrower Defense due to their inability to provide me with the quality of education I'd paid for, and it seems per recent email communications to my email address, that failed. I'd also received a letter about a class-action lawsuit from the Department of Education, but I'm not updated on its current status. I'm also following XXXX in hopes student loan holders, and especially those victims of XXXX XXXX XXXX, will soon be released from economic responsibility for payments.
Consumer complaint received 2021-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

There are 4 inquiries on my credit report that I dont recognize I have not approved or know what these are for I have not approved these inquiries and I need to remove these from my credit report since they do not belong to me. 

XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2019
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (GA)

I received an email from XXXX XXXX ; XXXX requesting that I settle a debt that I've paid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX The settlement offer that was agreed upon was {$150.00}. 
I received another email requesting money again.
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MO)

This company keeps applying my payments wrong and I have done the math for my escrow balance and expect amounts for my taxes and insurance and they are over charging me for taxes and home owners insurance. I was a prior XXXX XXXX for the State of Missouri I know how mortgages work forwards and backwards and how loan payments are supposed to be applied. I can already tell that the people entering the mortgage payments for this company are not properly trained and are not following policies and procedures. Furthermore, this is the second complaint I filed with the CFPB about LoanCare in 3 month and this company didn't correct how they apply my payments they screwed it up again after " fixing '' their error to my account 2 months ago. This isn't rocket science you pay the the predetermined principal and interest then the remaining payment amount goes into escrow account. Train your employees!
Consumer complaint received 2020-06-24
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. (AZ)

I saw a loan open in my credit redit report, with Experian. I disputed it w Experian and sent an email to XXXX XXXX  on their website, never heard anything back from the bank and Experian told me it was accurate, never did I receive a loan, one reason I have terrible credit, second reason I am in Arizona n why would I get a bank loan from XXXX, third I've been trying to get approved for even XXXXdollars and still denied. Fourth why do I not have a document concerning that loan, fifth how does Experian know it's accurate was it in my name, my address my account, I've been shown nothing and last why am I pushing this dispute this far? Obviously there is a problem. I never got a copy of the email because it was on their website, I tried looking in my email and the address comes up but says no documents. Strange the address comes up but not the email.
Consumer complaint received 2020-11-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STERLING BANCORP (NY)

Issue : Escrow Payment from XX/XX/XXXX for $ XXXX.I contacted then numerous time and they have not cut my payment. As of yesterday, they closed out my escalated requisition request for payment in which, I find very strange, without cutting a check to me.Please help me get my escrow money. 


Contacted C.S. Rep Supervisor Request For : Results of Call : Action : XXXX XXXX XXXX Rep Requested escrow will have pmt. within 10 days XXXX XXXX XXXX Rep XXXX XXXX payment no chk number & C.S. closed XXXX XXXX XXXX XXXX XXXX XXXX payment no chk number & req. supervisor Supervisor adv, Orginal C.S. Rep form XXXX XXXX XXXX - didn't submit requisition, only documented account. 
Supervsior, advised XXXX just submitted requisition and chk will be cut XX/XX/XXXX XXXX XXXX XXXX Rep XXXX XXXX chk number no chk number & req. supervisor Supervisor, advised check will be cut today XXXX XXXX XXXX, no later tommorrow XXXX XXXX XXXX XXXX XXXX XXXX Rep XXXX XXXX chk number no chk number & req. supervisor Supervisor, advised will escalate pmt from dept and cc that dept 's supervisor XXXX XXXX XXXX XXXX XXXX  chk number adv escalation closed XXXX XXXX XXXX asked XXXX, why was my escalated requisition closed, with out a check being cut? 
she stated that when a check is being processed, the dept closes the requisition. 
I found this strange because I'm a bookkeeping for 15 years and you only close a request for payment, once a check has be issue. I was thinking maybe they closed the requisition to avoid paying me my surplus escrow payment and to cover up there mistakes. 
XXXX XXXX XXXX XXXX XXXX XXXX chk number no chk number & req supervisor Supervsior adv, she doesn't know when chk will be issue. I told her that I'm upset, not with her, but this was rediculious Requested to speak with a manager, someone high up and she told me there is no one.Also, this supervisor was not helpful and her tone in the way she talked to me rude. She seemed like she was an XXXXamercian.
Consumer complaint received 2022-07-12
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: M&T BANK CORPORATION (CA)

Regardless of the previous written request, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX 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 my attempt to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : M & T BANK XXXX Late Dates XXXX
Consumer complaint received 2020-05-07
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. (AR)

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (MD)

Concerning the mortgage loan account of XXXX and XXXX XXXX loan : XXXX For maybe over an year since our mortgage loan was Service transferred from XXXX XXXX to XXXX XXXX  XXXX, I have been going back and forth with XXXX XXXX about radical and ongoing changes that were going on with our credit bureau accounts on all four of the credit bureaus ( XXXX, XXXX, XXXX, Innovis ). Recently we discovered that the many ongoing changes were not the work or came from XXXX XXXX. And based on what we both ( MyselfXXXX XXXX ) had concluded, the changes were being done from the four credit bureaus that I previously listed. For instance, attached is a screenshot from our XXXX  XXXX XXXX mortgage account. That screenshot shows a very different account than what is at the other three bureaus. It also shows an entire credit history being removed with other changes. This was not done by XXXX XXXX. As well, the Innovis account is only showing the current payments. These are also radical differences between the other bureaus as well. And for the XXXX, the score does not change regardless of payments being made. This account seems to be LOCKED at a set score, and the same applies to Equifax, but has gone up 1 point. In correspondence with XXXX XXXX, they had indicated that they had submitted to the three credit bureaus to DELETE the accounts for both my wife and I ( see attached ). The attach document contain a section of our correspondence that I asked them to send me separately it is dated for XX/XX/XXXX. Im not surprised that the changes had not happened yet, because it turns out there are so many other request they have made over the year that were not changed. On the accounts there are statements or other things that were added to the accounts that were not there when it initially transferred over. Where XXXX XXXX had been requesting to have the account corrected to show Service Transferred it has been showing Transferred to another office that plus some other changes they have submitted request for update and that I should be able to see the update after 5 days. Being hard to believe, this is factual of what has been going on with our credit reporting, where its clear the score have been suppressed and some of the statements on the accounts have been changed. And for more 12 months and the many request to update, it has not happened. So hopefully that attached statement from XXXX XXXX can get the accounts removed is what XXXX XXXX felt would be a better solution for us since its been impossible to get the accounts restored to what they were originally and updated as requested. And for the more than 15 years of being with XXXX XXXX, unlike anything weve been going through since the Service Transfer of XX/XX/XXXX, we have never had a complaint with XXXX XXXX or have ever had a credit bureau issue.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was double charged XXXX by TransUnion for a subscription I did not want. I just wanted to check my credit score with them and that's it. Please let them know how displeased I am about this.
Consumer complaint received 2023-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (AR)

I found out that there was a XXXX account in collections under my social in which I have NEVER IN LIFE had XXXX. I contact XXXX and let them know several times and XXXX kept telling me the collection agency had the account and that I needed to let THEM know in order for XXXX to be removed. I have filed disputes against both this company and XXXX in which neither has followed protocol for theft/unauthorized use of information. THE ADDRESSES they have attached to this account I have NEVER LIVED AT and they are in a state in which I have not lived since I was XXXX XXXX XXXX! A minor so it is impossible for me to have had XXXX XXXX in a place that doesnt even OFFER XXXX XXXX have I ever give anyone permission to use my information at ANY TIME for ANY REASON. This is absolutely unethical and I demand this be removed immediately. THIS DOES NOT BELONG TO ME AND THEY KNOW IT DOEST AS I HAVENT LIVED IN THE STATE IN WHICH THIS ACCOUNT IS XXXX ACHED TO IN XXXX XXXX YEARS. And I also NEVER LIVED AT XXXX ADDRESSED ASSOCIATED WITH IT EITHER! I have never had XXXX XXXX HONE CABLE NOTHING! And ALSO when I contacted XXXX to find out more information I found out that the date this company was reporting wasnt even the opening date of the fraudulent account! So not only is the original account fraudulent to begin with, this COLLECTION AGENCY HAS ALSO FRAUDULENTLY SWITCHED THE DATES XXXX MAKE IT SEEM MORE. XXXX XXXX IS EVEN WORSE! TAKE THIS OFF NY XXXX XXXX NOW! THIS IS A VIOLATION!
Consumer complaint received 2022-11-20
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: EQUIFAX, INC. (WA)

I have submitted my FTC identity theft report a copy of my social security card and my ID and proof of current income to all three credit reporting agencies I have disputed these accounts several times they are not mine but the company keep reporting them on my credit report even though I have stated I've been a victim of identity theft and these accounts do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX I have also requested that the credit reporting agencies send me any and all documentation that they received during their investigation that proves these accounts are being reported correctly and that they do belong to me that was over 30 days ago
Consumer complaint received 2020-06-24
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. (NC)

I opened the account in XX/XX/XXXX. I never missed a payment as they withdrew from my checking account. I paid the account in full on XXXX XXXX. As of XXXX XXXX the account still states I owe {$970.00}. XXXX has not reported accurately ( every 30 days ) according to Transunion. I have disputed this through Transunion 3 times and I am still getting the same results. In the process of disputing with Transunion, I also contacted XXXX on several occasions ( speaking with management ) asking why this has not yet been reported. They explain that the information has been submitted to Transunion correctly and in a timely manner. XXXX also stated I need to contact Transunion as they are not reporting correctly. As of XXXX XXXX I contacted both companies to see if any changes have been made. The results are still the same. Still showing I owe {$970.00}. I only received a loan for {$1000.00}. The difference is {$78.00}. So when other creditors look at my credit report, it shows I have only paid {$78.00} since XX/XX/XXXX. That is 8 months ago. I have exhausted all my options. I have contacted Transunion filed 3 disputes, I have contacted XXXX XXXX to many times to count and still the same results. I value good credit and pay my bills on time. This is very stressful knowing its paid on time, paid in full way in advance and hoping to raise credit score. As a consumer, I should not have to go this extreme when I agreed to my obligations and kept my obligation!! I bet if I would have ever been late or not paid I bet that would have been reported!! Thank you, please help this is my last resort!!!
Consumer complaint received 2020-06-24
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: Smith, Cohen & Rosenberg LLC (FL)

I have this company listed twice on my credit report as owing {$220.00} and {$220.00}. I have no relation with this company and have never received nor applied for credit with this company. 

1. SMITH, COHEN & ROSENBERG/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ( XXXX ) XXXX Amount {$220.00} 2. XXXX XXXX XXXX XXXX XXXX XXXX Amount {$220.00}
Consumer complaint received 2020-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ross Financial Recovery Group (GA)

I received an email from Collection Agency ; ROSSFRG.COM requesting that I settle a debt that I've paid. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX The settlement offer that was agreed upon was {$150.00}. 
I received another email requesting money again.
Consumer complaint received 2020-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

I started my direct deposit which will starts on XX/XX/20. I figured since I close out my other account I would setup my PNC account to my XXXX XXXX so that when my XXXX daughters who are in college need money I can get it to them quickly. Now, its blocking me from linking my account. I'm very unsatisfied and if I'd known that I could not link my account I would have stayed with my prior banking institution.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On or about XXXX of XXXX, I opened a credit card account with XXXX for a Walmart Credit Card. The account was sold to Capital One on or about XX/XX/XXXX of XXXX. The account was closed without my permission, any notification, or other means of communication. I contacted XXXX, who is the " Senior Account Supervisor '' with Capital One - ID # XXXX - who informed me that she was not willing to even attempt to reopen the account. XXXX admitted that there was no letters, emails, or any other notices, of changes to the account, prior to, or after the account was closed. I asked that the account be reopened since closing the account was unjustified.