davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-12
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. (NV)

XXXX account doesn't belong to me.. Transunion report it multiple times on my credit report which makes it worse ... I disputed the accounts with Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. All government funded student loans should not be reported on a credit report, this is a clear violation of the FCRA..IThe error is preventing me from obtaining credit. CFPB please step up and delete this ASAP
Consumer complaint received 2019-08-12
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 (CA)

I have a Bank of America debit card and it was fraud. It was a checking account. I reported the unauthorized activities to the bank as soon as I noticed. I got a claim but I was told that the bank refused to refund the stolen money after investigation closed. However I think the investigation is irresponsible and false. Here is the timeline for the whole thing. 

XX/XX/XXXX : the last time that I used my card was at XXXX. 
XX/XX/XXXX : The card was charged unauthorized. When I got up I found the unrecognized charges and I immediately report it to bank. Also, I went the nearest bank to open a new saving account and transferred most of the money from the checking account. 
XX/XX/XXXX : The unauthorized activities still happened so I call the bank again. The total claim amount is XXXX XXXX Dollars. 
XX/XX/XXXX : I received and unknow call in the morning. A woman in the call said she needed me to answer some questions about the claim. She asked if the card was on my hand when it was fraud. I said yes. And she asked was it in the wallet or the purse. I said it was in the wallet. Then she said she would call again if there is further questions about the investigation. 
At the same day I received a message on my Bank of America center. The bank closes the claim and refuses to refund the money. 

Here are the reasons why I complaint : 1. I am currently a XXXX XXXX. The lost money is a huge amount. According to the transaction history, there are couple of large transactions in one day. If the investigators really analysed my purchasing habit, they would know that the transactions were against my habit. They were suspicious. 
2. If the woman works in BOA, she only asked two questions and made the decision at the same day. It is irresponsible and reckless. 
XXXX. I made a call as soon as I found the unauthorized transactions. But the card was still used at the second day. The reason that the bank refused to pay is because my PIN was entered or the signature was obtained. If the person could copy my chip then it is really possible to get my PIN. It should be banks responsibility to make sure the card is secure. 

I am so desperate now and I need the help. Thank you!
Consumer complaint received 2019-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MD)

I XXXX XXXX, have had account for over three years with CITIGROUP. I started this account as a secured credit card, and graduated to a regular to a credit card. I took very serious due to the fact that I was rebuilding my credit.This card is my oldest open account on my credit profile. I received a letter on Monday XX/XX/2019 stating that the account was due to a returned payment from an account that I also have with CITIBANK. There was some unexpected transaction that was posted on the bank account that caused the payment to be returned. I was willing and able to cover the transaction and any fee/fees that may be associate with the transaction. I fine it very unfair to consumers that after years of building or rebuilding credit, that the account could closed for such minor infraction, especially given that it reflex negatively on consumers credit report to have closed accounts.
Consumer complaint received 2019-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Experian - I can not reach a human to discuss the status of a fraud alert. I sent my personal identifying information after failing to answer security questions correctly due to INCORRECT information in my file. I have a student loan pending where I am the cosigner and find it so wrong to not allow us to speak with a customer service rep. In addition, I have tried many times to upload my identifying information and I receive this message - no length of time elapsed - it just won't work : " Either there was no activity for an extended period of time or you do not have an active session and the page has expired. We have discarded any documents you were in the process of uploading. You may also submit your documents by mail to Experian, XXXX XXXX XXXX, XXXX, Texas XXXX. ''
Consumer complaint received 2019-08-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PacWest Credit, LTD (OR)

I had emergency XXXX XXXX for a XXXX XXXX. I asked for a defered payment. Although no place on the contract is it stated that you have to pay 6 months for deferment, they said thats their policy and when I said I would be late, it was never mentioned that they would repo on first late payment. On top of that they refuse to understand that because my phone is unlisted I can not " Un block '' my number and they do not accept unidentified numbers '' I don't have a cell phone. I have no way to call them and they refuse to set up an arrangement by email. Some also not in the contract. A woman from their legal department belittled and badgered me and said I was " Making excuses '', mind you I have had to pour alot of money into this car and it only ran for 2 weeks since XX/XX/XXXX. The tires even were turned around so I couldn't see the gouges on the side walls of 3 of them, ball joints, control arms, struts, shocks, O2 sensors .... The list goes on and on and the car is an XXXX with very spendy parts. This woman from their legal department wouldn't let me respond to her abuse without threatening not to extend my time until I get my social security comes so they could just take the car I have poured so much money into. She WANTED ME TO BEG. I did because I have to keep the car. She wanted to show me she held all the cards and I do what she says or else. This was my only late payment. She treated me like garbage.
Consumer complaint received 2019-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following companies ran unauthorized credit report on me..At no time did I give them permission to inquiry about my credit status, such inquiries made were for no legitimate business purpose. This is a violation of the Fair Credit Reporting Act and a serious breach of my privacy rights.. please delete this misleading information XXXX  XXXX, XXXX XXXX
Consumer complaint received 2019-08-10
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. (MO)

My identity has been seriously compromised due to XXXX  breach and my wallet being stolen..Now the after fact is a demise of unknown and unauthorized accounts reporting on my credit file. I'm demanding the immediate removal of these fraudulent accounts. I have no such contract with either of these companies. 

1 ) XXXX XXXX XXXX {$790.00} 2 ) XXXX XXXX XXXX {$2300.00} 3 ) XXXX/ XXXX XXXX 4 ) XXXX XXXX {$6400.00} 5 ) XXXX XXXX XXXX   {$17000.00}
Consumer complaint received 2019-02-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MN)

After several conversations with Navient, I was FINALLY able set up a six ( 6 ) month payment plan ( after an hour and a half on the phone and confirming my and my co-signer 's financials ) for more than I could afford, but the " best that could be offered to me ''. Since then, I have made one payment and received several ( around seven ( 7 ) or eight ( 8 ) calls over the course of three weeks ) asking me how I would like to bring my account current. Today, I spoke with them again, informing them that the phone calls are now getting ridiculous and that they need to work their system better if they couldn't see that I had set up payments. In today 's conversation, I was informed after them reviewing my account, that the plan I had been " approved for due to an override from a manager '' I no longer qualified for. I was also told that because I had a co-signer, they were required to help me because that's what a co-signer is doing when they agree to sign for the loan. I informed them that my co-signer was yes, able financially, but not willing to help me due to the age of the loans and the fact that I had been able to pay them in the past. 

I am now trying to work with them in regards to payments, but because of my co-signer 's income, they are telling me I do not have any programs to qualify for lower payments on. My original plan was three payments of {$44.00} and change, followed by three payments of {$100.00} and change. I am now told that I MUST make a payment of $ XXXX/month for 15 months set up all at one time or my account will be reported delinquent to the credit bureau. I have XXXX children ages XXXX and under. With my check barely ( or not quite barely ) able to cover insurance and childcare, we are left with my husband 's income to pay the rest of our bills every month. These student loans were taken out in XXXX ; making these accounts XXXX or more years old. I currently work for the lXXXX XXXX XXXX  and had been hoping that I would be able to qualify for student loan forgiveness and now that seems to be out of reach. I don't know what I can do, where I go from here, or how to handle this.
Consumer complaint received 2019-02-23
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: EQUIFAX, INC. (NH)

I have been trying to get Equifax to change my credit report accounts that are NOT mine due to identity theft and data breaches, my aliases, addresses I have never lived at, and other SSN 's that do not belong to me since XX/XX/2018. I have sent them my information on five separate occasions and because THEY are spelling my name wrong, the information ( Driver 's License, Social Security Card, Police Report, FTC Report ) NONE of this sensitive information is going into my file. It is being filed as, " There is no credit report on this person ''. 
I want them to CHANGE MY NAME ON MY CREDIT REPORT AND FIX ALL FRAUDULENT ACCOUNTS
Consumer complaint received 2019-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (PA)

XX/XX/XXXX To Whom it May Concern, In the fall of XXXX I was contacted by Ameritech Financial with the promise of a program to help me pay back my student loans. The promise was I would pay a reduced amount for 10 years, then the remaining balance would be wiped away. I researched the company, talked to representatives from the company, and checked with the XXXX  XXXX XXXX   ( which gave Ameritech a good review ). This deal was similar to something other companies were also offering. I started paying the {$100.00} per month in XXXX of XXXX. I continued to pay it all throughout XXXX ( 12 months ), and noticed that in XXXX of XXXX, the payment did not automatically come out of my checking account, as the previous payments had. When I checked with XXXX XXXX ( the Department of Education organization that my loans were originally with ), they informed me that I hadnt made a payment in over a year, and that I was on a XXXX payment repayment plan. I had not made those arrangement with XXXX XXXX, and my username and password no longer worked. My guess, with the help of the agent from XXXX XXXX, was that I had been duped, and Ameritech had something to do with my login information changing and my XXXX repayment being set up with XXXX. The agent from XXXX XXXX recommended that a file a complaint through the Federal Trade Commission. I did that, with no result, just a sorry, but decided to call them anyway. They recommended I file a complaint at consumerfinance.gov., hence this complaint. In the meantime, I did a little more research on Ameritech Financial, and saw many stories in the news how Ameritech took money from many people hoping to help pay off their student loans. 

I will be attaching an email I received from the Federal Trade Commission in regards to legal action against Ameritech and what I can do. 

I am hoping that this letter is the first step in recovering the money that I thought was going towards my student loan, but was in fact lining the pocket of some crook. 

Thanks in advance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2019-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Seterus, Inc. (FL)

I have a XXXX XXXX mortgage loan serviced by Seterus and the loan was offered a forbearance owing to the federally-declared disaster from Hurricane Irma. The forbearance let to a loan modification which had a trial plan that ended on XX/XX/XXXX. The trial period payments were made on time as required by the modification agreement i.e., XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, Seterus ceased from being the servicer on the loan and new servicer now is XXXX XXXX XXXX. XXXX XXXX XXXX  has concluded the modification process begun by Seterus. 

On XX/XX/XXXX, Seterus maliciously made a derogatory report to the Credit Bureaus by stating that the loan was 120 days past due. This is incorrect. The loan was being repaid as agreed leading up to the declaration of the disaster by the federal government and one of the terms and conditions of the forbearance was that negative reports would not be made as long as the loan was in forbearance. Immediately after the forbearance the loan was approved for modification and the terms of the modification were adhered as prescribed. 

I am disputing the report of the loan being 120 days late. I spoke to 3 people at Seterus today, Mr XXXX, Mr XXXX XXXX and Supervisor XXXX XXXXn. Ms. XXXX stated that the late payment applies to XX/XX/XXXX. This is incorrect because the loan was in forbearance at that time and the terms of the forbearance specifically state that no negative reporting will be made, so Seterus is violating its agreement.
Consumer complaint received 2019-02-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC (PA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX. On XXXX I received a welcome phone call from Global Lending XXXX. On XX/XX/XXXX I received a call from XXXX XXXX stating that I need to return the car or get a co-signer. I returned the car on XX/XX/XXXX to XXXX XXXX who at that time stated he did find a bank that was going to approve me. I just had to leave my car take the loaner and bring my paystub. When I returned back to the dealership on XX/XX/XXXX I was told my part-time job working 60hrs a pay period I couldn't use. This was all a scam and they are wrong I signed a contract.
Consumer complaint received 2019-02-08
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. (AP)

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX XXXX
Consumer complaint received 2019-02-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

This debt appeared on my credit report prior to having received any information about the debt at all. It was reported days prior to receiving notification. No information was received from who they claim the current creditor is nor from who the original creditor they claim is. I disputed the debt and requested validation and it reappeared on my credit reports within 2 days without receiving any verification or validation from anyone that the debt is valid. The dispute results gave no information as to what was updated after the dispute. It only said account updated, and the information was exactly the same as it was prior to disputing. I have absolutely no idea what this debt is, why they claim I owe it, what it was for, etc.
Consumer complaint received 2019-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (CA)

I have reviewed my XXXX report and have found accounts with US Bank that have account abuse on them, I have never had a checking account with US Bank. 

These marks on my report have ABSOLUTELY NO MERIT. 
I have filed a theft report with the Federal Trade Commission ( FTC ), and XXXX XXXX County Sheriffs Office. 

I will be filing a report with the Office of the Attorney General of California - XXXX XXXX documenting the fraud and the actions I have taken to have these removed.
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. 
My name is XXXX XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, OH XXXX The following addresses are NOT MINE PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX
Consumer complaint received 2019-05-21
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: Medical-Commercial Audit Inc (MO)

Today I checked my credit report and it shows 3 accounts in collections from a agency MCA ( XXXX XXXX original creditor ) This is not me its is my dad 's accounts. I'm XXXX he is XXXX. Went i called MCA to tell them this they hung up on me twice and said " maybe your dad should just pay his bills then ''
Consumer complaint received 2019-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Complaint : I have a public record & XXXX  XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX  and XXXX   verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Consumer complaint received 2019-05-21
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: EQUIFAX, INC. (TX)

On XX/XX/19 I submitted a dispute with Equifax disputing the XXXX XXXX XXXX collection account that is reporting on my credit report. XXXX claims the debt was validated and did not remove it from my reports. XX/XX/19 I submitted a request for Equifax to provide me method of verification they used to ensure the debt was valid. I never received anything confirming. 

I reached out to XXXX XXXX XXXX on XX/XX/19 to request validation and they also failed to provide me with any documents regarding this account.
Consumer complaint received 2019-05-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a loan modification with bank of America few years ago since the beginning I did not missed any payment but bank of American lying and keep saying other wise Every time I make a complaint about it they send their lawyers trying to intimidate me they say I made a Bankruptcy lying about it with not prove they claimed I own them or Im behind but every year they keep adjusted after the new number of my escrow or insurance they say I have a balance but they wont tell me why their lawyer only send all the papers that does not explains where the shores come from today XXXX of XXXX send me a paper that they will change my contract after their contract is not suppose to change and in his paper about changing the fist ring the say pr talk is about a bankruptcy bank of america gave me a loan modification that wanted to break now with his lying or fraudulent ways to bank or lend money