davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX, I called XXXX to make 1 pymt ( XX/XX/XXXX ) today {$730.00} on acct # XXXX. Spoke to rep id # XXXX wanted to charge me additional fee of {$12.00} to make pymt. I advised never have been charged a FEE to pay in past months. I asked for free method of pymt, said I could pay online at no charge. In the meantime I called in to another Wells Fargo # XXXX, and made my other Wells Fargo payment over the phone FREE AT NO CHARGE! I asked the rep id # XXXX could she also take this payment, looked it up and said no you have to pay a FEE to make this payment? But I could go online. When I sign into online the message is : Your MORTGAGE ... XXXX is not currently eligible for online payments. ETC. So I call back AGAIN and spoke to rep id # XXXX, explained this is my 3RD CALL  attempting to make this payment and she took the payment with NO FEE. This company is making it impossible for me to pay without more FEES/bouncing place to place. Inconsistencies throughout the company. Are n't they being fined for over charging fees already? Unfair practices, one person charge fee other person is not. Discrimination Make you jump through hoops to pay.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2017-05-31
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: JPMORGAN CHASE & CO. (TX)

This account is a Private Student Loan account that was originally through Chase.  The account was opened on or around XX/XX/2008. The outstanding balance currently reflected is for {$19000.00}. I hired a consumer attorney to represent me for this account. After certain information that I have provided, Chase deemed  that I was no longer liable for this account. XXXX and XXXX have already been updated, they have removed the Chase Student Loan account from my credit reports, however, XXXX has not removed this account. I have disputed this account several times on XXXX, and each time, they respond with the creditor has validated this debt. I have called Chase several times and talked to several people, including supervisors, and no one knows what to do or whom to talk to, and apparently does not have record of THEIR ACCOUNT. Chase directs me to contact XXXX XXXX XXXX ( XXXX ). I have called XXXX several times, and have spoken to several people, including supervisors, and they have no record of my account. XXXX directs me to contact Chase, as they are the ( only - XXXX is NOT ) lenders reporting on my XXXX credit report. The numbers that I have tried are XXXX ( XXXX ), XXXX ( old Chase Student Loan line - which no longer works ), XXXX ( XXXX - this is for Federal Student Loans ). In other words, Chase and XXXX are pointing their fingers at each other, and I am just the man-in-the-middle ( the one whom is suffering from this dilemma ). This is very frustrating, and it should be something very simple to accomplish. I am no longer liable for this account, whom do I need to talk to?
Consumer complaint received 2016-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX agreed to remove late payments from my account. I received a written agreement from XXXX XXXX XXXX that states they are not reporting late payments on my lease dated XX/XX/XXXX. Furthermore, this was disputed and deleted last year ( XX/XX/XXXX ). How and why is it reporting on my credit report? This is not a dispute about my loan from XX/XX/XXXX as it is reporting accurately. Please do not delete my XX/XX/XXXX XXXX account as it is not being disputed.
Consumer complaint received 2017-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America is charging customers foreign transaction fees when they are not converting currency. 

I purchased items from a company XXXX and used XXXX service to complete the transaction. When I received my Bank of America Statement, there were foreign transaction fees attached to the charges. The first set of transactions took place on XXXX/XXXX/XXXX for {$85.00} ( foreign transaction fee of {$2.00} assessed ) ; XXXX/XXXX/XXXX for {$53.00} ( foreign transaction fee of {$1.00} assessed ) ; and then XXXX/XXXX/XXXX for {$38.00} ( foreign transaction fee assesed {$1.00} ). 

After this first incident, I was told by Bank of America that currency must have been converted ( even though they were unable to see any conversion happen ) and they said that is why I was charged the fees. I reached out to the original vendor ( XXXX  ) and they were confused because they were payed the exact amount in USD.  XXXX assured me this was an error and apologized and gave me a store credit for the amount I was charged by Bank of America. 

I placed another order with XXXX on XXXX/XXXX/XXXX for {$34.00} and was assessed a foreign transaction fee of {$1.00}. This time I contacted XXXX and XXXX again. 

I am told by both XXXX and XXXX that there is no conversion of funds occuring and money is not being sent outside of the US so there should be no foreign transaction fees assessed. I am also told by XXXX that the customer " XXXX '' has a XXXX address and this could be why Bank of America is charging these fees. I have also been told by XXXX that they do have issues with a few American Banks that charge their customers foreign transaction fees even though the money is being transferred in the US because of their XXXX address. I have not discussed this directly with Bank of America since the first incident. 

So, it also seems that XXXX should have this information prominently displayed on their website at checkout that they are NOT located in the US and charges could result in foreign transaction fees ( even though the address on their website is XXXX XXXXXXXX XXXX ... XXXX XXXX XXXX ) or XXXX should be notifying the buyer of this potential fee since they are basically the middle-man/money manager here and know the address information for the vendor. 

But in closing, Bank of America should NOT be charging these fees just because the address of the owner of the XXXX account is in XXXX. I know this is not a lot of money I am out here but it 's the principal of the practise. I am certain there are many people out there that do not read their cc statement and probably do n't even realize this is an issue.
Consumer complaint received 2017-06-01
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)

All  XXXX  credit reporting agencies are ignoring disputes trying to correct my reports. I am getting " results verified '' within days of submitting the disputes. There is no way they have verified anything.  XXXX  Item has been closed since  2014  but has started to report late payments every month. Others have incorrect dates that are critical for home loans. There are  XXXX  or  XXXX  different scores from each and they are all different. I need help
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P. (TX)

I am in the process of trying to pre-qualify for a mortgage loan and I have a collection account from Credit Protection. I tried to call the company to try and get the balance taken care of but the company will not work with me. I do not have any written documentation that justifies the balance they say I owe them. The account has been reporting on my credit report since the XXXX of 2015. I desperately need this situation rectified.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  XXXX XX/XX/XXXX {$4400.00} XXXX  XXXX XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XXXX XX/XX/XXXX {$2200.00} late payment XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX personal information Current Address ( es ) : XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Previous Address ( XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Employers : XXXXXXXX XXXX XXXX Employers : XXXX XXXX
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (PA)

On  XXXX / XXXX / XXXX , Discover called about a payment. During the conversation, I offered to pay the balance in full if Discover waived interest accrued on the card in calendar year  XXXX .     The first agent was not authorized to make this transaction, so they forwarded me to a second agent. The second agent offered to waive two months of interest. I declined, and requested escalation to an agent authorized to grant my request.     The third agent stated that the second agent " was unfamiliar with your account type '' and the figures the first and second agent gave me were incorrect. He stated that they were not authorized to waive two months of interest. I requested escalation.     The fourth agent said that Discover could not waive more than one month of interest. I reiterated my offer : waive interest accrued in  XXXX  and I would pay the balance in full. The fourth agent again stated that Discover could not grant my request. I stated that I would be filing a complaint with the CFPB because of the inconsistent responses between agents.     The fourth agent, after reviewing my account, agreed to waive the  XXXX  interest accrued on my account if I paid in full " tonight ''. I agreed.     The fourth agent transferred me back to the first agent to arrange for the payment. Discover told me that the payment would be debited from my checking account on  XX/XX/XXXX .     Discover did not debit my checking account on  XX/XX/XXXX , as they said they would do. Neither my  financial institution not my Discover online access has recorded the transaction as promised by Discover. Monies moved to the checking account to pay the Discover account in full are now sitting in a no interest bearing account, waiting for Discover to fulfill their commitment, while the Discover  account continues to accrue interest.
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CA)

On XX/XX/18 I was notified of identity theft. I was contacted by multiple credit card companies that someone was attempting to make changes to my accounts ( XXXX, XXXX, XXXX and Macy 's ).  Macys called on XX/XX/18 and said someone was attempting to increase my credit limit. I told them I was not, and to cancel my card. On XX/XX/18 a customer service representative called from Macy 's and said another woman was on the other line trying to make a {$3000.00} furniture purchase on my account, and claiming to be me. She also tried changing my phone number to another number. I told them it was not me, and to just close my account. In XXXX I received notice from Macy 's of an unpaid balance on my account that was past due. The letter stated they had been trying to reach me but could not get a hold of me ... but this was the first notice I received about a balance due. I paid the balance immediately. I then found out Macy 's submitted negative credit reporting and now I can't get financed for a house. I called Macy 's and they told me that back in XXXX with the attempted fraudulent activity, the person posing as me successfully changed all of the contact information for me- including phone number and email address, and then made a request for paperless statements instead of mailed statements. Under FTC laws, Macy 's is required to notify me about a balance 21 days before it is due, but they did not because they kept the fraudulent contact information associated with my account. I have spent hours on the phone with them to try and get this handled. Macy 's  credit reporting department refuses to reverse the negative reporting and told me they checked with XXXX and were able to confirm that I received emailed statements and that I opened them. Here 's the problem ... I don't have a XXXX email account.
Consumer complaint received 2017-05-31
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. (GA)

Experian continues to report inaccurate information from XXXX XXXX XXXX and guarantythat does not belong to me on my credit report. I am a XXXX with XXXX other cousins with the same name ( that I know of ). this information is not mine. I have sent over 20 emails to Experian and they have not responded except with form letters. The other two reporting agency, XXXX and XXXX, has removed the items in question. The creditor the debt was sold to has also removed it as well. I finally sent experian a procedural information request letter per the FCRA and they have failed to respond.
Consumer complaint received 2024-10-03
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. (CA)

I RECENTLY DISCOVERED A FRAUDULENT SECURED CARD IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USDED MY PERSONAL INFORMATION AND OPENED FRAUDULENT ACCOUNT UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO OPEN THIS FRAUDULENT SECURED CARD UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE ANY FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2017-07-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Summit Financial Corp. (FL)

Some years ago my information was used to obtain a used car from XXXX XXXX XXXX in XXXX, FL that has since closed. After getting paperwork in the mail " thanking me for my purchase '' I immediately went down to the lot where the manager gave me the number to the financial provider for the car and would not give me the information on the person that actually got the car. After contact the loan provider we got things situated and my information was " deleted '' off of the car and everything had went back to normal. In XXXX I pulled my report and noticed that Summit Financial has started reporting for the balance of {$8000.00} for the XXXX XXXX that I did n't own or posses. I immediately contacted them and the loan officer that i had spoke with prior to see what the deal was and why it was still connected to me. I was told since my name was originally on the paper work even after having my name removed ; that It still had to be reported to my credit. Even though I found that hard to believe. They had me to believe that even though i had no ties with this loan ; it had to sit on my credit for 7 years according to Summit Financial. I am preparing to be a homeowner and had a meeting with my banks home loan manager and pulled my credit all for me to find out that Summit Financial never even after 7 years deleted this off of my credit. They actually reported for an extra year. NOW, adding fees and renewing this debt that I do not owe them! This getting out of hand with the lies and the run around that i 'm getting at this point.
Consumer complaint received 2021-01-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

As I have not heard back from Equifax in over 60 days, regarding my demand for proof, since my notice of dispute dated XX/XX/2020 and you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2017-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In correspondence dated  XXXX  -2017 I mail ed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.     Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Consumer complaint received 2019-05-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine
Consumer complaint received 2017-09-01
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. (TX)

On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. On XX/XX/XXXX, I spoke with a supervisor at Equifax, XXXX # XXXX, who confirmed the dispute and documents had been received. He then went on to state the account with XXXX was reporting accurately with a blank balance. I informed XXXX the balance is blank however it should reflect a ' {$0.00} ' balance as it does with XXXX and XXXX. The date reported on the credit reports indicates 'XX/XX/XXXX ' which three years post-bankruptcy discharge. There should be no activity reported on this account after by bankruptcy filing date of XX/XX/XXXX. The XXXX XXXX account also reflects a blank balance however should reflect ' {$0.00} '. XXXX stated he was unable to see this account on my credit. I informed XXXX I can see the account on my credit report as well as my lender can see the account on their end as well. XXXX informed me they are unable to dispute this account as they are not able to view it. XXXX continued to be very dismissive of these requests. This inaccurate reporting is hindering my loan approval process. 

On XX/XX/XXXX, I pulled my credit report as I was previously informed by my loan lender there were some inaccuracies on my credit report that will need to be correctly prior to them moving forward with my approval. On XX/XX/XXXX, I send a dispute with corresponding documents with via certified mail to all three bureaus. XXXX XXXXs credit report indicates last payment date of 'XX/XX/XXXX ' which is three years after my bankruptcy discharge.There should be no activity reported on this account after my bankruptcy filing date of XX/XX/XXXX.
Consumer complaint received 2017-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America has repeatedly changed my account for unnecessary fees. In  XXXX   XXXX , The account was accessed  XXXX  unlawful {$10.00} charges. In  XXXX   XXXX , I was accessed {$10.00} for multiple withdrawal charges. The bank separate the atm charge from the transaction to access this fee.   For the last months, different Bank representatives stated that a Manager would call about the  XXXX  fees. The manager call was never received. Lastly,  XXXX   XXXX  a {$5.00} charge was accessed to my account. I called customer service, the representative stated that it was a mistake. I have lost all confidence with this Bank.   On  XX/XX/XXXX , I called the bank. The representatives refused to forward my concerns to a Manager. I was told the account agreement bans from asking question abouts these fees. The representatives refused to provide the information to identify the workers. The last representative  (   XXXX  ;   XXXX    ) continued playing games and wasting time. I requested a Manager or the depart head, she stated " I 'm the supervisor, manager and department heading ''. The conduct of these representatives are totally unprofessional.     Bank of America has also refused to extend credit for  XXXX  credit cards. I 'm flabbergasted because my income and  credit score  (  XXXX  +  ) is at the  top statistical analysis for credit.
Consumer complaint received 2017-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX Bank XXXX original creditor XXXX and XXXX XXXX balance has been paid in full and satisfied as of XXXX/XXXX/XXXX. This matter has been resolved out of court.