davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My computer was hacked and compromised before XX/XX/XXXX. 
I noticed charges from an XXXX Bank of America on XX/XX/XXXX, and froze the checking and credit card account then and filed a claim for the fraudulent charges. 

In the checking account the amounts taken were {$9900.00} XXXX Credit Card payment on XX/XX/XXXX, {$15000.00}. XXXX Bank Credit Card Payment on XX/XX/XXXX. 

In the credit card the amounts taken were {$1900.00}, plus {$57.00} transaction fee, balance transfer XXXX XXXX on XX/XX/XXXX. 
{$2500.00}, plus {$75.00} transaction fee, balance transfer XXXX Bank CA on XX/XX/XXXX {$4700.00}, plus {$140.00} transaction fee, balance transfer XXXX on XX/XX/XXXX. 
{$150.00}, for a fraudulent payment on XXXX on XX/XX/XXXX As there are XXXX accounts, there were XXXX claims filed, XXXX for the checking account and XXXX for the credit card account. The claim for the credit card is in progress, while the claim for the checking account was denied on XX/XX/XXXX, as Bank of America claimed that the transactions were legitimate, because they came from my computer I demanded the documents they used to decide the decision to deny the claim, and sent my computer to a computer technician to root for viruses. The documents they provided showed the IP addresses used to log into the bank for all the transactions. 
Bank of America claims that because I did not report several transactions, all the transactions from that XXXX address is legitimate. 
However, Bank of America XXXX credit card fraud department must not be communicating to the checking account fraud department, because I did report the other transactions to the credit card department. The computer technician reported several viruses found inside the computer, including one that could remotely extract information from the browser. 

Also viewing the IP addresses, the dates and times shown are impossible for me to be at, and I have alibi 's and witnesses attesting my location at that time. 

The process of calling Bank of America has been extremely time consuming, as they have kept me on hold for hours at a time, transferred me back and forth before breaking the connection. It has been extremely difficult getting ahold of them.
Consumer complaint received 2020-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (PA)

Chase Bank ( Deceased Processing Dept ) refuses to remove an improper hold on the subject account ( deceased owner XXXX XXXX XXXX, co-owner surviving spouse XXXX XXXX XXXX ). The account can't be closed properly without this hold being removed. Similarly, Chase is taking no action to either 1 ) return the final ( XXXX ) SSA benefit payment received by Chase in XXXX, or 2 ) credit this final payment to this account. Either action by Chase would allow 1 ) the SSA to reissue the final payment to the surviving spouse or 2 ) restore the proper balance in the account so it can be closed out properly.

Latest e-mail from Deceased Processing ( text included in uploaded attachment ) states Chase has an obligation to return payments received after the date of death but Chase refuses to do so.
Numerous calls to Chase Customer Service in XXXX and XXXX and two e-mails in XXXX to Deceased Processing have been fruitless. Customer Services says it's Deceased Processing 's responsibility to resolve but Deceased Processing won't take phone calls nor return phone calls per their own stated policy.
Consumer complaint received 2020-10-16
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. (PA)

XXXX/XXXX  XXXX on XX/XX/XXXX was disputed XX/XX/XXXX opened XX/XX/XXXX XXXX {$870.00} XX/XX/XXXX in XX/XX/XXXX The accounts were identity theft neither were opened by the consumer. Disputes were done and the the companies stated that they charges were valid. There is an address in Florida where the consumer never lived all this was expressed in disputes.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (RI)

To whom it may concern, I have been a XXXX  XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX  XXXX XXXX greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on my credit card that date back to XXXX of XXXX. Since that time I have been an exceptional customer paying every month on time. 

Because of my exceptional payment history over the last 2 years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was not actively using the XXXX  credit card. I did not notice that I had my XXXX monthly renewal plan linked to this credit card, which was the only fee I had with this card, and so I oversaw the payment. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. I hope that XXXX XXXX XXXX is willing to work with me on erasing this mark from my credit reports. 

I have been a very happy customer in the past and hope to continue a long relationship with XXXX  XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX  XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX  XXXX XXXX is heads above the rest. I look forward to your reply.
Consumer complaint received 2022-10-25
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: Experian Information Solutions Inc. (NY)

There has been some reports on my credit score that i do not recognize. 

XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2020-10-16
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. (CA)

To :

Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$97.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request  the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$97.00} -This is not my account.
Consumer complaint received 2022-10-25
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: Flagstar Bank, N.A. (PA)

Flagstar Bank reported a 30 day late to my credit report for the month of XXXX. My payment was cleared by XX/XX/XXXX. 

My other mortgage company said this was incorrect. My XXXX payment was made on XX/XX/XXXX. My other mortgage company XXXXXXXX XXXX said this is not considered 30 days late since you have until the XXXX of XXXX to make said payment. 

Flagstar refuses to remove this and it is costing me money obtaining my other mortgage since it is a 30 day late fee on my report. 

My mortgage payments have never been late.
Consumer complaint received 2022-12-13
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

XXXX ... ... .previous is a ticket number that is..still an open case ... ... .I recently edited submitted a complaint to get a XXXX XXXX account removed off my credit report because I do not have a contract with that company. I received a letter in the mail that is not showing validation that I have a debt with XXXX XXXX attached is the document..Please remove this account from my credit report, I do not have a contract with this company.
Consumer complaint received 2020-10-15
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: LEXISNEXIS (GA)

i sent out disputes to the credit bureaus about account that are being reported on my credit that were not authorized by me. I lost my wallet a couple of years ago which contained my id and social i believe i have been a victim of identity theft. I have filed an ftc report to document this and would like you to help me resolve this matter.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Several months ago I went online to transunion credit bureau to freeze my credit it was not frozen. 
I called 2 months ago requested they freeze my credit they said they would. 
I called today transunion union and my credit is still unfrozen.
Consumer complaint received 2022-12-08
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: Navient Solutions, LLC. (MI)

In the accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for purpose
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (MI)

In XX/XX/XXXX I had an account with sprint, I had owed a balance of {$720.00}. In XX/XX/XXXX since I had yet to make a payment, XXXX took the balance I owed from my bank account that I made my payments from in the past. The way that my bank account is set up if I dont have the funds available my bank will cover the charge from an account that I have used before. At the time I did not have the funds in my bank account but my bank still covered it, but 2wks later I then paid that amount to my bank. XXXX had sent me a confirmation that my balance was {$0.00} as of XX/XX/XXXX and even unlocked my device. They then try to claim the payment returned 2months later, when my bank statement shows it never did and also my bank called in my behalf to XXXX multiple times stating that payment never returned and was paid in full.
Consumer complaint received 2021-09-23
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. (LA)

There are items on my credit report related to fraudulent activity. In XX/XX/2021, I began dealing with this tragedy after much research. Completing the FTC was my first steps in trying to have this issues resolved. Presenting just this document to the credit bureaus only got me ignored. So to get better answers I turn to CFPB to help resolve my issue. Never have I applied for anything with this creditor. My authorization was not given to have this account opened. This account was open fraudulently and should be closed immediately.
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent my letter by certified mail to the credit bueras to have inaccurate personal information removed from my reports. I have physical proof that that have received my letter but they have yet to do anything. They never put any of the information into dispute status to try and change not one thing. I have attached records below to provide proof of certified mail information.
Consumer complaint received 2023-03-30
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. (CA)

The following closed accounts have still been reporting false & inaccurate information on my credit report the is a violation of my rights has been affecting my credit worthiness. 

Accounts : XXXX XXXX
Consumer complaint received 2020-10-15
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: First Investors Servicing Corporation, Atlanta, GA Branch (CA)

There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.
Consumer complaint received 2022-10-09
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 attached history of disputes with this place/organization These are the Dispute Report Numbers which can be verified with the credit bureaus. 

Disputes go as back as last year XXXX XXXX XXXX Under FCRA 623 ( a ) ( XXXX ), FDCPA 807 ( XXXX ) " if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

They have failed to state this on any of my reports therefore violating my rights. 

No proof of ownership, late payments or any at all has been provided as proof. 

Copies of reports will be attached. 

Each report will show failure to report account under dispute as of my rights on FCRA ( a ) ( XXXX )
Consumer complaint received 2023-03-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WA)

Navinet has reported on my credit report to all three agencies XXXX, XXXX and XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was to be in forbearance at those times. I have disputed with the credit agencies several times and Navinet validates and says it is correct. I was told by Navinet that they report an account late every 30 days. They skipped the 30, 60 and went right to 90. I have since consolidated my loans and Navinet is no longer my provider. They told me I would have to dispute with them. Because the reports were 90 days I am unable to get a home loan and will be homeless soon. Due to the fact they were reported as 90 days it has completely ruined my credit. 
I need to move out of state where home prices are affordable. I am the caregiver if my mother who is XXXX. 
As I stated before I have been trying to fight this issue for some time. 
Navinet didnt even tell me about income driven repayment plans. They wanted me to go into forbearance to keep the high interest to accumulate.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MN)

XXXX XXXX is under a court appointed Guardianship with a protective order to close his Wells Fargo Bank account to pay for care costs as XXXX XXXX resides in a XXXX hour care provider. Our agency serves as both the XXXX and protective agent over XXXX XXXX with the court ordered authority to close his account. We have attempted to close the account both at the XXXX XXXX location in XXXX XXXX and at the branch location in XXXX XXXX, XXXX. None of these attempts have been successful. We have spent multiple hours in the bank branch getting told different answers and they continue to refuse to release the funds. We are told to come into the branch and leave with no answers or getting the account closed. We feel they are discriminating against our client because he is a vulnerable adult with XXXX and unable to advocate for himself to come in person to the branch. The bank is holding onto his money and despite multiple court orders refuses to release it. I have delt with XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Neither of them are able to facilitate the closer of the account due to unclear reasons.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Today, XX/XX/2020, I went to make a cash deposit at the Capital One ATM in the XXXX Target, at XXXX XXXX XXXX XXXX, XXXX, XXXX, WA. 

I inserted {$830.00}, XXXX - {$20.00} bills and one {$10.00} bill. The machine pushed the {$10.00} bill back out. The machine continued to make noise, and nothing else came out. A yellow banner appeared on the screen stating I hadn't removed rejected bills and they were being " retained ''. 

I assumed it was an error, reinserted my card and proceeded to deposit the remaining {$10.00}. I checked my balance and it read {$41.00}. I removed my card, reinserted and checked again. Same thing. {$41.00}. I stood in front of the ATM and called the bank immediately. I was told ; only the {$10.00} was seen. I was then transferred to the claims department and explained the situation verbatim. I was told the matter would be investigated and could take 10 business days.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (MD)

I applied for XXXX funding and had a completed HAF application pending but Gregory Funding proceeded to foreclosure without waiting for DHCD to finish up the process. I contacted XXXX many times about this. XXXX told me it would work with XXXX ( the state agency rolling out XXXX ) but it never did so and elected to proceed to foreclosure sale where it bid-in the property. So, there was no third party purchaser. 

I believe XXXX violated XXXX law you are required to enforce and its duty of good faith under Maryland regulations. If they did this with me they probably are doing it with others and you are allowing them to do business in Maryland and elsewhere. That is wrong. 

Under Md. XXXX XXXX. XXXX XXXX has a good faith duty to pursue loss mitigation when possible. It was possible in my situation as my HAF application was completed and seemed to be approved by the underwriters. Under 12 U.S.C.A. 2605 ( k ) ( 1 ) ( C ) XXXX had a mandatory duty to avoid foreclosure but it also violated that mandatory duty and proceeded to foreclosure while my confirmed, completed XXXX application was being processed.
Consumer complaint received 2021-06-04
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. (PA)

I called XXXX and equifax to inform them about unknown inquiries on both reports I was Ensured by a supervisor from both companies that the inquiries on my both reports would be removed in 72 hours its been two weeks I called to follow up I am now being told they dont know where I got that information from and its nothing they can do about this matter. I need these unknown fraud inquiries removed from report immediately from both reports.