davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-19
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 (NC)

I have been a Bank of America customer since XXXX and now a victim of fraud. I only have the one credit card with them and no other accounts. My balance on XX/XX/XXXX was {$350.00}. 
On XX/XX/XXXX, I was notified of suspected fraudulent activity. Here is the timeline of events for resolution : XX/XX/XXXX - went to the local branch after the notification. The bank associate informed me that an online checking account had been opened in my name on XX/XX/XXXX. 
{$4900.00} was transferred from card to newly opened checking account, and immediately {$1900.00} was transferred through XXXX to an account ( Conf # XXXX ; XXXX XXXX XXXX XXXX  XXXX ). 
A fraud claim was opened on the checking account by BoA on XX/XX/XXXX. 
They cancelled the stolen credit card and issued another card. The stolen amount was then added to the newly issue credit card plus fees from the XXXX transaction bring my balance to ( {$5500.00} ). 
On XX/XX/XXXX BoA informed me that their research had determined that I was not the person responsible for opening the fraudulent checking account, and closed that account and claim. 
After numerous calls from XX/XX/XXXX - XX/XX/XXXX to the BoA fraud department they finally opened a claim on the stolen credit card on XX/XX/XXXX. 
I have continued to make payments since XXXX on my original {$350.00} total before this all happen. 

Please let me know if you need any copies, or more information Thank you
Consumer complaint received 2020-12-18
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. (CA)

On XX/XX/2020 I logged into my credit report to check the status of my credit to begin preparing to buy a new house for my family this year since we are XXXX  XXXX. I realized there is a fraudulent account on my report with Experian and XXXX  whereas XXXX  has already deleted the fraudulent item. I mailed a certified letter with proof of my identity and the affidavit as instructed. Experian shows this tracking number XXXX being delivered on XX/XX/2020 and XXXX  shows this tracking number XXXX being delivered on XX/XX/2020. I spent {$35.00} to mail these off urgently to rectify my credit. It is now XX/XX/2020 and I just logged into my credit report and the fraudulent items are still there. I am now filing a complaint as it has been more than 30 business days since each bureau received the dispute letters.
Consumer complaint received 2023-03-22
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-10
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: EQUIFAX, INC. (NC)

Equifax - I have sent over 5 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 120 days now! and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2021 XX/XX/2021 Actions Taken by Me : Sent 5 dispute letters to All bureaus Equifax by Certified Mail to remove inaccurate accounts.
Consumer complaint received 2020-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I filed for forbearance on my mortgage due to Covid19. I asked That if I was still able to make a payment can the payment be applied to the principal only. I was told that yes it can be applied to principal only. I called in a phone payment with a rep on XX/XX/2020 of {$1200.00} & requested the entire amount applied only to principal. When I received my XXXX statement the payment was broken up into {$540.00} to principal & {$570.00} to interest. I called the bank on XX/XX/2020 spoke to XXXX who open up a case to correct. I called back on XX/XX/2020 and spoke to XXXX who stated that the correction would be done prior to XX/XX/2020. I told her that I needed it done by XXXX because that is when I would be making the next payment. She said that it would be done way before then because the system only creates a pending date, but corrections are processed quickly and I would be notified in writing. I called again on XX/XX/2020 spoke to XXXX who transferred me to XXXX who transferred me XXXX. When I requested a supervisor I was put on hold for over 30 minutes. She came back on the line and said a supervisor will call me back and no one ever called me. I called again today ( XX/XX/2020 ) and spoke to XXXX XXXX who put me on hold to wait for a supervisor for 1 hour and 7 minutes and never came back to the phone.
Consumer complaint received 2022-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MA)

I paid {$2100.00} over the time period that student loan payments were on pause from XX/XX/XXXX to XX/XX/XXXX. {$72.00} per month. I filed a refund with my student loan provider aidvantage on XX/XX/XXXX. I called filed a refund and it was " approved the same day ''. The representative said it would take 4-6 weeks for a refund to hit direct deposit. Currently it is XX/XX/XXXX, 8 weeks from when I initially called and no refund has been issued or an update to my aidvantage account. 

1. Called XX/XX/XXXX to submit refund request 2. I called XX/XX/XXXX and was told my refund was approved and is being processed. 
3. Called XX/XX/XXXX and was told my refund was approved and being processed 4. Called XX/XX/XXXX and was told my refund was approved and being processed. 
5. Called XX/XX/XXXX and was told my refund was approved and being processed but it could be 4-8 weeks. I asked if there was anything I could do to expedite the process but they said nope they have thousands of request and it could be 8-12 weeks. ( So which one is it ). Also was told it is out of aidvantage 's hands/control because a check would be sent from the treasury. I specifically requested and was told it would be direct deposit.
Consumer complaint received 2022-11-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (MO)

On XX/XX/2022 I sent a cease and desist letter to Midland Credit Management to cease all communication with me. The company responded on XX/XX/2022 in a letter that contact would cease. As of XX/XX/2022 there are XXXX new collections on my consumer report by Midland Credit Management regarding the XXXX accounts listed in the letter. 
Per 15 USC 1692a ( 2 ) the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

The definition of the term medium is an agency or means of doing something. The medium in this instance are the consumer reporting agencies. Midland Credit Management are now communicating with me indirectly by reporting these XXXX accounts to the CRA 's and they are violating the cease and desist notice they acknowledged they received. 

Secondly as you can see from the letter sent on XX/XX/2022, although the account number is listed on my consumer report, Midland Credit Management mailed the letter to a different name/individual.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I wrote a letter XX/XX/XXXX regarding inaccurate and items not known to me on my credit report. To this date I have not a response on the validity of the items. I feel that my dispute is not being taken seriously and I am being taken advantage of. Section 611 ( a ) states that failure to investigate these items in 30 days is a reason to immediately remove the disputed items from my credit report. It has been over 30 days and should be deleted promptly. I demand the items be removed immediately and if not done will consider litigation due emotional distress. I am concerned due the XXXX date breach my information may have fall into the wrong hands.
Consumer complaint received 2020-06-30
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: JPMORGAN CHASE & CO. (MI)

I experienced over {$1400.00} worth of charges to my credit card in which I did not make the purchases. The purchases were charged to my XXXX XXXX account but I was not the one to complete the purchases nor did I in any way authorize them. I asked XXXX XXXX to issue a refund for these unauthorized charges and they told me to speak with the Game Developer the charges were paid to. The Game Developer told me only XXXX XXXX could refund the charges. XXXX XXXX insisted the Game Developer is the one who has to provide a refund and if they won't help to dispute the charges. The Game Developer denied a refund and told me to dispute the charges with Chase. I disputed the charges with Chase and was denied the disputing stating that the charges were authorized and that I was responsible for them. I've been going in circles with all three companies XXXX Chase, XXXX XXXX, and the Game Developer ) and spent hours of my own time trying to resolve this issue for well over a month now and no one will help to resolve the issue. I have submitted emails and conversations that were had with both XXXX XXXX and the Game Developer to my credit card company showing they said to dispute the charges but am still denied. You can't talk to anyone at Chase over the phone regarding the matter and can only email them which they don't reply to but send you a letter weeks later. They have additionally not provided any proof showing why I am responsible for the charges I didn't make, which i had requested from them as well. The loss of the money during the pandemic has made this even harder to deal with.
Consumer complaint received 2020-06-30
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOINGS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (MN)

I have requested that U.S. Bank allow me to opt out of overlimit fees on my account, as I understand we are allowed to do by law. I sat across from a branch manager to make this request in his office, and he told me that I can not opt out of overlimit fees on checking. They regularly allow " subscription services '' to charge without authorization. I have tried to cut off all these " subscription services, '' but I feel like I am constantly getting hit with overlimit fees regardless. I note that I have recently gotten an overlimit fee for a bank transfer. Again, I have asked them to simply deny the transaction, and they have said they will not do so for my checking account.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

I hope this will go to a human being and not to a computer. The XXXX XXXX XXXX  account on my credit report shows a lot of inaccuracies such as incorrect credit limit {$0.00}. How can you issue a credit card with {$0.00} credit limit? This is inaccurate but it is on my Equifax credit report! Another inaccuracy is the date of last activity. XXXX   shows that this account was last active in XX/XX/XXXX while Equifax shows that this account was last active in XX/XX/XXXX. This is a huge gap. XXXX is even showing a totally different date. 
Those information from the same data furnisher ( XXXX XXXX XXXX ) are contradicting each other. Don't you see that it doesn't make any sense? It is inaccurate but it is on my credit report. 
The information on someone credit report has to be 100 percent accurate which is definitely not the case here. 
The Federal Credit Report Act prohibits you the credit bureaus to keep inaccurate information on someone credit report. You are violating a Federal Law by keeping inaccurate information on my credit report. I have sent multiple letters to Equifax about this issue but nothing has been done. The last letter that I have sent to Equifax about this issue was on XX/XX/XXXX and Equifax signed the postal return receipt on XXXX XXXX. I have attached a copy of the postal return receipt and a copy of my credit report to this statement. It has now been 121 days, a bit more than 4 months, since Equifax received my complaint and nothing has been done, it goes straight to a computer and the inaccurate information is still on my credit report. At this point, I am gathering proofs that I will use against you in court including all communication that I have exchanged with you on this matter. I am in the process of buying an house and you are blocking me. Having the CFPB involved is another proof that I will use to show that you voluntarily kept incorrect and inaccurate information on my credit report besides my multiple attempts to have that account removed from my credit report. I will also seek damages for the consequences of your inaction which actually prohibits me from buying an house. I am right now filling out the form to sue you in federal court under the FCRA which will award me damages including mental anguish damages, damages for economic loss because of your false reporting I got turn down for an house, punitive damages, my attorney fees the list goes on and on ...
Consumer complaint received 2021-06-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (SC)

I am not liable for this debt with XXXX XXXX  and I do not have a contract with Hunter Warfield plus, they did not provide me with the original application like I asked. I paid a Debt due to the harassment of phone calls and letters and reporting this to the Credit Bureaus. Under 15 USC 1692h 810. Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumer 's directions. I would like any and all payment ( s ) be returned to me by check.
Consumer complaint received 2022-11-18
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'm just going to be very blunt, I'm exhausted by the extent of required time and diligence for witch I was very unprepared for the long term commitment to finally get the opportunity to file a report of my identity Theft witch I have just been forced to get used to the difficulty of the impact of life changing proportions. I was looking for a valid way to check on my credit report and I subscribed to Experian credit monitoring a Application available on the XXXXXXXX XXXX XXXX and I paid for the reports of the Three major credit bureaus and the reason for witch I absolutely have to submit this complaint is the obsurd details of data that supposedly was found in the investigatory alerts for witch I was very much not satisfied with to be credible to be of existence. My current phone number wich is not more than a year or so old was literally in the different types of instances to be dated to XXXX and my phone number as part of the data for witch the alert was generated and the other types of repetitive consequence instances of the same XXXX XXXX as the carrier witch suffered a breach and the personal is information to my account was exposed. Other types of details that are not related to credit bureaus such as background checks for witch I have performed on my self back to XX/XX/XXXX and XXXX individuals that have used my identity and my imidiate family are all linked to certain individuals that I was able to verify that it is factually correct. But the reports were very much peppered with none specifics for the consistency of the integrity of the credibility of the service to provide a full itemized format for witch I have obtained in the past. The reports were just Very Short and a very unethical false advertising for service such application to a a very important aspect of credit bureaus standard for witch I cancelled the subscription and I was not entitled to a refund. I reported it to the developer and I contacted the corporate office to Experian and summit my complaint to the representative for witch I have not heard anything from. I have continued to receive emails from the cancelled subscription and I am very apulled that the necessity to get such a accurate report of my credit is not a gambling shopping experience that is not a abnormal requisite to aquisiton of witch is federally requested and I have the right to exercise the request for a valid report not a gimmick. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was a victim of identity theft where a party posing as a legitimate company hacked my accounts after I provided info to set up direct deposit. The third party attempted to deposit checks and withdraw funds from the account. I alerted Bank of America immediately to inform them of what happened and was told that everything would be okay since I did not withdraw the funds, the IP address did not match mine and the checks were forged. Bank of America also has access to the security camera where the funds were withdrawn showing it was not me who withdrew the funds. I would like the matter investigated and have the {$600.00} debt removed from my name with Bank of America.
Consumer complaint received 2022-05-14
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. (FL)

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX, Acc # XXXX has violated my rights. 
XXXX, Acc # XXXX has violated my rights. 
XXXX XXXX XXXX, Acc # XXXX has violated my rights. 
XXXX Acc # XXXX has violated my rights. 
XXXX  Acc # XXXX has violated my rights. 
XXXX Acc # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-10-19
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. (DC)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without y written signature.
Consumer complaint received 2021-06-07
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. (LA)

Equifax and XXXX  should not be reporting that I am ( 60-89 ) days late on the XXXX accounts. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance. Please keep in mind that it would be impossible to be late on accounts that have no balance due. This false reporting of lates is seriously harming my credit score and these line items need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I received an phone call from a Lender in reference to RE-FINANCING my Mortgage. 
Next thing I know there was an INQUIRY on my CREDIT REPORT from XXXX XXXX XXXX. 
I DID NOT AUTHORIZE THIS INQUIRY.