davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

In XXXX last year, XXXX XXXX  transferred our Loan Servicing to XXXX XXXX XXXX XXXX and we were on a 1 year deferrement which did not require payments and should not have been reported as late on our credit report. 

We have since then successfully completed our loan modification trial payments and the account should have been restated as a new loan with the old account information deleted or bought current based on the newly approved loan modification. We completed our trial payments in XX/XX/XXXX and all 3 of our Credit Reports needs to be updated as current. 

Our loan is not being reported correctly as stated in the letter issued by XXXX XXXX on XX/XX/XXXX, after I reached out to them to raise our concerns via faxed letter to their Customer Service Department in XXXX.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have had checking and savings accounts with Bank of America for decades. About three months ago, I was persuaded by an account officer at BofA that by transferring $ XXXX to a savings account with Merrill Lynch I would get better service and a better interest rate. Last month, I transferred an additional $ XXXX from BofA to my Merrill Lynch account, bringing the balance to {>= $1,000,000}. Yesterday, I learned that these funds are not FDIC insured, and I requested the immediate return of those funds to my BofA account ( i.e., the account ( s ) from which those funds originated ). Merrill Lynch now refuses to wire back those funds unless I sign a servicing agreement that contains terms that are not acceptable to me. Merrill says their agreement is not negotiable. Their position seems to be that without the account agreement they can not conduct activity. If so, they never should have accepted the funds in the first place, and should not have subsequently accepted additional funds.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

This bank hates me each time I apply fir a credit card with them they decline me for stupid reasons which dont make sense recently I applied and was not instantly approved why did they do this to me when my credit has improved my debt to income ratio has gone down why cant they see that I wish XXXX he contacted by them
Consumer complaint received 2019-04-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC. (CA)

This company has threatened me, attempted to contact my family, to harm my family, to arrest me, that they were of a government agency, that they were of a law firm, They called saying they were an officer that would be at my house that afternoon, they they would increase my debt by 10 fold it not paid, literally everything and I cant get any information from them and they wont stop. I dont know who they are or why theyre reporting but Im threatened and afriad.
Consumer complaint received 2021-08-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I went to, pay my XXXX bill and gasp at the high amount. As I looked I realized there were three amounts/billers that I did not recommend. One was for {$1800.00} early in the billing period, the second about 10 days later for {$20.00} and a third at the end of the billing cycle for {$5200.00}. 

I reported it to Bank of America and they said they would look into it. They denied it was fraud and was consistent with previous charges with the merchant. I have never done any dealings with them. I have no merchandise, no delivery notice. 

I checked the transaction on the entry and they are to the same business. I called the number XXXX claiming to be XXXX. They had the options, welcome, etc. but never could speak to anyone. After 45 minutes of trying I gave up. My XXXX display had on the top of the call fraud XXXX. 

I have sent three letters to them to ask them to reopen and still the charges are mounting with now interest. 

The federal fair trade act has Bank of America as a % liability policy. 

Ive reported it to Police here in XXXX. The case is on file in XXXX county I wrote to our attorney general
Consumer complaint received 2021-01-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VT)

Portfolio Recovery calls my number repeatedly, despite me not being the person they ask for/are trying to reach. I have told them I am not the party in question ( nor do I even know the party in question ) but they continue to call, sometimes more than once a day. I tried blocking the incoming phone number ( s ) but apparently they constantly change their incoming phone numbers, so this has not been a solution. I have repeatedly asked for their mailing address so I can send them a request to cease and desist, but they have refused and hang up on me. 

I am XXXX and this is stressing me out, going on for a year.
Consumer complaint received 2021-01-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (PA)

On XXXX XXXX 2021, I got a credit alert that a company called Amsher Collection Services reported a collections account to the credit bureaus. I was concerned because I had never heard of Amsher, nor done any business with them, nor had any contact with them. I immediately filed a dispute with XXXX  to have this unknown account removed, and sent correspondence to Amsher through their website, via e-mail, and through postal mail requesting validation of the debt and an explanation of why I was not notified of it before reporting to the credit agencies. 

Amsher has yet to acknowledge my correspondence. 

They also violated the Fair Credit Reporting Act 623 ( 7 ) ( a ) by never giving me any notice of this debt, or of the furnishing of negative information before reporting it. 

This is a blatant attempt to use the filing of negative credit information as a bully tactic to get me to pay a debt that has not been validated, has not been verified, and that I had no prior knowledge of existence before it's appearance on my credit report. It's a shameful practice and should be punished.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

I have sent in three separate letter requesting that an investigation on the address on my report. 

I live at my current address and there should not be no other address on my report. 

XXXX is reporting : XXXX XXXX XXXX XXXX, Iowa XXXX XXXX XXXX XXXX GA XXXX Equifax : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX GA XXXX These jobs are not mines either, XXXX XXXX and walking into destiny
Consumer complaint received 2021-01-28
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: Experian Information Solutions Inc. (OH)

On Monday, XXXX XXXX, 2021, I filled out on-line information with Experian to have my credit information unlocked permanently. I received an email later from Experian stating that my information was unlocked and information on how to lock it again in the future. I am trying to obtain a mortgage loan and they have been unable to obtain my credit information from Experian. They have obtained this information easily from XXXX and the other one. I have tried redoing the online form, contacting Experian by email and so many phone calls that only refer me back to the internet. Tomorrow I am going into the mortgage office with my laptop to see if they can help since obtaining any help from Experian is a waste of time.
Consumer complaint received 2021-01-28
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC. (SC)

I had been shopping around for a mortgage refinance and was looking to get loan estimates from multiple lenders to ensure I was getting the best deal while rates are so low. In that search, I came across New American Funding and found its terms appealing. I first spoke to XXXX XXXX, a Sr. Loan Officer at New American Funding , over the phone on XX/XX/2021. After we spoke, he emailed a short breakdown of possible refinance options that we'd discussed. He specifically told me I could apply and then look at the loan estimate to see if I would be happy with it before providing them with the required documentation. I proceeded to submit a formal application using the link he provided that evening. Two days later, XX/XX/2021, I checked the website and noticed it was asking for multiple documents from me without providing a loan estimate. I replied to his initial email and asked for an estimate because I wasn't able to see one on the website. XXXX did not respond to this email. The next day, XX/XX/2021, I forwarded the same email to him and asked for an update. He responded that evening by asking how much my home was worth and how much I pay in taxes/insurance ; I provided those numbers shortly thereafter. Monday, XX/XX/2021, I sent another email letting him know I'd gotten my appraisal back and the value of my home came back a little higher than I'd initially said, and asked for an update. Late that evening, he sent a Link to eConsent for faster loan processing -- again, with no loan estimate provided. I responded to the email saying I was just asking for a loan estimate. Later, I consented just in case that was preventing me from receiving the loan estimate ; it was not. Yesterday, XX/XX/2021, I still had not heard back from XXXX and still have not received the requested documentation, which other lenders have been prompt to supply and have been very responsive about. NAF made a hard inquiry on my credit for this refi application but provided me with nothing ; now all they've done is lower my credit score. Per CFPB guidelines, lenders must provide a loan estimate within 3 business days of receiving an application. New American Funding is in clear violation of this rule. It's clear that XXXX and NAF do not value the customer experience or care enough to obtain more business. This has been incredibly frustrating, and ultimately disappointing as I was genuinely considering refinancing my home through NAF.
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: Global Credit Solutions LLC (MA)

I have a collection on my report and I have taken the correct measures to dispute the item but it still remains on my report. I initially disputed a debt with GCS ( Global Credit Solutions ) back in XXXX and have proof they received my letter on XX/XX/2020. I waited 60 days before sending a follow up letter on XX/XX/2020. The address provided by the debt collector on my credit report however is incorrect. The letter was forwarded to the correct address. This inaccurate information has really hindered my ability to dispute this item. Also the balance and status is incorrect. The original debt was only {$360.00} not {$3600.00} and has since been paid to the original creditor. I am asking that this incorrect information please be removed from my report.
Consumer complaint received 2021-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I was checking my credit to make sure everything was ok before I went to the car dealership. I opened my XXXX report via the website and went through all the tabs. When I got to the debt collection tab it listed a debt of {$1500.00} owed to XXXX XXXX XXXX XXXX XXXX XXXX. The collection agency is ARS ACCOUNT RESOLUTION in XXXX FLORIDA. This Is not my debt. I have a fraud alert, and a credit freeze on my credit. I don't know how this ended up on my credit. I did a XXXX search of the creditor name, and it appears to be a doctors office in Pennsylvania or Texas. I have never lived in either state. I am retired from the Military, and I get free medical care from the VA, and use XXXX. I have never had to pay anything that, and it is not mine. I called ARS, the collections agency and they stated they have no record of my name or ssn. How could this happen? This could ruin my credit. Please remove this ASAP!
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: Experian Information Solutions Inc. (TX)

I have disputed an inaccurate address on my Experian credit report 6 times with them. They still have not removed the address from my report and have not provided me with a reason why or proof that they have made an investigation. They continue to ignore my requests with no reason provided to me. My identity has been stolen in the past and I have sent them a police report. I want this inaccurate, false, erroneous, invalid, unfair, unduly information removed from my report immediately.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (IN)

On XX/XX/XXXX my phone was stolen and the following month I tried to get into my account to chime they refused to let me by the time they let me in it was after XX/XX/XXXX and I have received a payment and they hacked a bank transfer to their account and drained my account I follow dispute with chime and they refused to refund my money even though the transfer happened while I couldn't even access my account
Consumer complaint received 2022-07-22
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX account 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 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo opened a credit card with {$35000.00} line of credit without my knowledge or approval as far back as 2004 ( when I was XXXX years old ) the credit card currently has a debt owed of {$10000.00} and is being used and paid to varying degree every single month. Wells Fargo will not give me access to the account, and will not close it or give me access to it or information about it. I became aware of the issue with XXXX. It has negatively effecting my credit score for almost 20 years. I am not a Wells Fargo client.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY (MI)

My identity has been stolen and ran through several credit card companies dating back to XX/XX/XXXX. My credit was ran XX/XX/XXXX by XXXX XXXX XXXX to open up a credit card. On XX/XX/XXXX my credit was ran by Amex for a credit card. I have not made any of these inquires and have spoken to each company several times to get them removed off of my credit report.
Consumer complaint received 2021-11-20
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AFNI INC. (NH)

I TOLD THEM I NEEDED XXXX XXXX RELIEF BECAUSE I WAS HAVING TROUBLE PAYING THE BILL AND ENDED UP HOMELESS AND THE NEVER GAVE ME ANY RELIEF WHATSOEVER AND CALL AND CALL FROM ALL KINDS OF DIFFERENT NUMBERS PRETENDING TO BE A FRIEND AND NOT TELLING ME WHO THEY ARE AND THEN THREATEN ME BY THE END OF THE CALL THEY EVEN USE A LOCAL AREA CODE EVERY TIME AND HAVE MADE IT HARD FOR ME TO FIND WORK BECAUSE NOW EVERY TIME I GET A LOCAL CALL I GET SCARED TO ANSWER AND HAVE TOLD THEM TO STOP CALLING AND THEY JUST KEEP CALLING FROM SO MANY DIFFERENT NUMBERS. THEY HAVE MADE MY CREDIT REPORT GO DOWN BY XXXX XXXX AND THAT'S EXTREMELY HIGH FOR THEM TO BE ABLE TO DO THAT WITH THEIR REMARKS ALONE.
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

We were approved for Capital One XXXX  card which was activated XX/XX/XXXX with a {$20000.00} credit limit. Each month since that date, we paid off the entire amount of the bill which varied from {$1100.00} for a month up to {$4000.00} another month ( new windows for our house ). We never had an outstanding balance until the XX/XX/XXXX bill was not received by us. After calling Capital One on XX/XX/XXXX and being advised the bill was {$1500.00}, I promptly paid the entire bill and sent it via XXXX. They unfortunately received it late and posted it XX/XX/XXXX. ( Our only late payment because we didn't receive the bill XXXX XXXX XX/XX/XXXX, I called Capital One to advise them that my husband died XX/XX/XXXX. I thought this was the right thing to do, however, on XX/XX/XXXX, the Estates department of Capital One sent me a letter stating the account is now closed and the card could no longer be used. I have been the principal user of this card and paid the entire balance faithfully for over two years. But just because this card was issued with HIS name as the main creditor, they have cut off his widow from this benefit. We both had a card with our own names on them, but now I am denied credit from Capital One.
Consumer complaint received 2022-10-08
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 have called multiple times disputing these items that are unauthorized accounts and inquiries that I demand deleted. I believe the 3 main credit reporting agencies Experian, XXXX, and XXXX this a deliberate act of discrimination, I am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit if this information is not removed
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. (FL)

It has come to my attention 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, i felt disrespected by the customer service representative 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! This is very inconvenient on my part!
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have 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 Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-01-28
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: TD BANK US HOLDING COMPANY (IL)

I did not authorize anyone employed by these companies to make any inquiries and view my credit report. Fraudulent Activities has been reported. 

XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX TD/bank USA/target c XX/XX/XXXX XX/XX/XXXX
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. PORTFOLIO RECOVERY Opened XXXX XXXX, 2018. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
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. (LA)

I was stress Ive sent a disputes for those inaccurate and unknown accounts on my credit report its almost 30 days now But I havent received any response. Im a victim of XX/XX/XXXX Data Breach. I demand to DELETE immediately those accounts or I will file a litigation.