davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have XXXX accounts for XXXX XXXX Support in Arizona. There are balances on these accounts, but I have paid on-time payments every month. TransUnion & XXXX have changed from showing these accounts as " Current : Paid or Paying as Agreed '' to " Account 120 days Past Due Date ''. XXXX still shows all XXXX accounts as current. I have contacted the creditor who told me that I am current on all XXXX accounts. They also said that they are receiving many inquiries from other consumers regarding this issue. They gave me a printout of my payment history for all XXXX accounts, which I sent to all XXXX credit bureaus. I have received dispute results saying that they changed XXXX account but not the other XXXX from TranUnion. XXXX shows XXXX as a charge off and no change to the other XXXX accounts. As far as I know, XXXX still shows these accounts as current. I have spoken with TransUnion who said that they are just reporting what the creditor has sent them. My concern is that TransUnion & XXXX are translating the data that they are receiving from the creditor incorrectly. Nonetheless my credit reports and scores from these XXXX credit bureaus have been significantly affected by incorrect reporting and they do n't seem to care.
Consumer complaint received 2017-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

I have  a Fraud Victim Alert s ince  XXXX   XXXX , when I was a victim of a crime and it extends for 7 years . Alert  includes my phone number so that anyone using my identity to apply for credit, the vendor has to contact me to insure that it is me applying for credit. I was able to obtain a HELOC and credit cards in late  XXXX  with no problem, with said alert in place. In  XXXX , I applied for   XXXX   XXXX   XXXX   XXXX  ; I was subsequently denied because Experian said they had No phone # for me. Upon request of my repor t (  dated  XXXX / XXXX / XXXX  ), I saw incorrect personal info on my report and requested same be corrected. They also claimed they gave the correct # to  XXXX   XXXX . Today I receive  2nd report  dated  XXXX / XXXX / XXXX .  Information ( w hich included an INCORRECT residential phone # that was not ever mine ) was deleted. However, a new residential phone  # ( again  -not ever mine ) now appears, not 7 days after giving them the correct information. It is impossible to contact anyone by phone, nowhere on either credit report is anything that says customer ID # which they require to submit further disputes online. They need a designated contact Phone number answered by a live person for consumers in the midst of a dispute. Instead th e 1st 3 pages of each r eport are trying to sell me consumer fraud protect ion (   XXXX  for {$8.00} a month. Experian is not protecting my credit but rather exposing me to additional risk. How do they get a new residential phone number for me, when I just spoke to them a week ago, confirming the o nly 2 numbers I have, ( one for over 30 years )? I still have not gotten an explanation as to what happened with    XXXX   XXXX . Representative said they would contact  XXXX    XXXX   to see what happened as my phone number is on their fraud alert ; However, I myself contacted  XXXX   XXXX   XXXX   and security showed me that my phone number was not included when they did the credit check. Experian is not protecting the hard-working taxpaying consumer, but rather the thieves. Are they going to tell me where they got this new fraudulent phone number? They continue to operate under the protection of the government, yet the consumers are not protected
Consumer complaint received 2017-04-28
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: Fidelity National Information Services, Inc. (FNIS) (TX)

XXXX   XXXX   XXXX  was disputed on  XXXX / XXXX / XXXX  with   XXXX   XXXX   XXXX  . Chex Systems has been disputed on  XXXX / XXXX / XXXX . My daughter had a student account attached to my accounts with  XXXX . She submitted a fraudulent check through the ATM. This is the only way a student account can do banking is through the ATM. When   XXXX   found the check to be fraudulent  XXXX  shut down all of our accounts INCLUDING my Husbands that had nothing to do with my daughter 's account. Attempted to resolve with  XXXX  and no luck. Attempted to resolve with  XXXX   XXXX   XXXX   XXXX  , Chex systems, and no luck.  XXXX / XXXX / XXXX  Today I have found that I can not open any accounts and have found myself without banking for businesses.  Real Estate and Construction . I am not able to write checks to employees or conduct business. I am desperate to talk with someone to help the situation. Please help.
Consumer complaint received 2017-04-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This is a direct reflection of me which was not done by me. I was not made aware of the fraud until my current bank advised me my account was closed again without warning due to reporting of fraud by  XXXX  &  XXXX . This is preventing me from communicating with other financial institutions.I 've advised Bank of America this was done by an ex who had access to all of my information/devices. He also was aware of personal information & passwords. I also filed police reports after the Bank of America account closing on him that were not directly related to this issue but the nature is the same. He has a history of doing this to women & I have proof dated prior to me being made aware of the fraud reporting. I told the representative I spoke with I am not interested of filing a new police report months after the fact but I do have reports which show him doing these same thing with my account at another financial institution. I told them I would rather proceed with the information I have since I am no longer involved with this person and filing another report would cause another arrest warrant. Personally I 've been through enough financially, mentally & physically and would like to have this resolved asap.   The investigation was opened  XXXX  with Bank of America and still has yet to be assigned to  an investigator. My account  was not closed with a negative balance and it has been verified that none of the signatures on the mobile deposit checks match eatchother or my signature. I do n't understand what the hold up is. First I was told  14-21 days no w I 'm being told 60 days and was hung up on today after requesting to speak with  a manager.  Whoever noted my account from the check fraud department dated today  XXXX  was very rude & gave me general information without taking the time to even look into my file. If she had she would not have mentioned the need to review bank surveillance since they were mobile deposits.
Consumer complaint received 2017-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc (TX)

Sent a complaint through the CFPB regarding A D Astra Recovery Service. T he company stated in their response. That the first dispute that I sent out the collections accounts were removed. Upon pulling my credit report  XXXX . I found that to be incorrect. The Account is still showing on my  XXXX  report. The company has responded with false and incorrect information. The company also stated that they have a current bond in Texas. Upon looking a t the Secretary of Sate for Texas the company is NOT Bonded in Texas and can not le gally collect debt. Please remove from my credit report and confirm that debt is not owed.
Consumer complaint received 2022-07-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (WA)

In XX/XX/2022 my account went below the {$1500.00} minimum threshold for several days, and I was charged a service fee. I requested the fee be reversed, and JP Morgan reversed it. 
The next month, XX/XX/2022, JP Morgan charged me a {$12.00} fee because my account was below the {$1500.00} threshold- but it was only below because they had charged me the {$12.00} fee ( which they later refunded ). I requested they refund, the declined, so I filed a complaint with the CFPB ( complaint ID XXXX ). JP Morgan flrefunded the fee. 
Now in XX/XX/2022, JP Morgan has charged me another {$12.00} fee, again only because my account was below the {$1500.00} minimum due ONLY to their fee ( which they later refunded ). I requested the reverse the fee, and they declined and advised me to deposit {$24.00} in the account. 
Charging a fee because my account was below their threshold only due to a fee that they charged ( and later refunded, twice ) is unfair and deceptive. This feels like the definition of a junk fee. 
I simply want my {$12.00} refunded and I will close my checking account so I dont have to deal with this anymore. I would encourage you to investigate the facts of my complaint as a UDAAP.
Consumer complaint received 2018-11-26
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. (CA)

I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill
Consumer complaint received 2017-04-28
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. (NY)

This complaint is in response to my previous complaint (  XXXX  ) which Transunion are failing to rectify and/or provide an adequate response.     In Transunion 's previous response they state - " We have reviewed your complaint along with the information you previously provided regarding this issue. On  XXXX / XXXX / XXXX  you contacted us disputing the accuracy of  XXXX  #  XXXX . As a result, the item was removed from your credit report. Please be advised, it is TransUnions policy to remove disputed authorized user accounts as you have no legal liability to pay the debt. '' Both myself AND  XXXX  have already advise d ( multip le times ) that the dispute was lodged in ERROR and that it should be removed from my account. Both  XXXX  and  XXXX  have honored this request and are re-reporting this account  XXXX  #  XXXX  on my credit report  YET Transun ion are still refusing the re-add the account despite multiple requests from myself and  XXXX  to do so. I do n't know how much more clearer we can be that the dispute regarding the balance showing was an error. I did not realize that  XXXX   XXXX  took 30 days to update their statistics.     My wife and I a rrived in the US  in  XXXX  and as I was unable to apply for a credit card my wife opened this account (  XXXX  #  XXXX  ) as the primary and added myself as an authorized user so that I could build credit. This is the only and longest holding account that I have and by removing it from my Transunion credit report means I show no accounts and therefore m y credit score  dropped from  XXXX  to just above  XXXX .     What is unclear is why  XXXX  and   XXXX   have had no problem re-reporting this account YET Transunion continue to refuse to re-add it DESPITE  XXXX  and myself and the primary account holder ALL explaining that the dispute was simply an error.     If Transunion continue to refuse to report this accou nt (   XXXX  #  XXXX  ) I will be seeking legal advice as to whether or not you are violating my rights and reporting incorrect information on my account. Since this has been ongoing from  XXXX   XXXX  I will certainly be seeking emotional and physiological damages for the stress this situation has caused me along with the fact several loan applications have been denied because of my lo w credit score  provided by Transunion.
Consumer complaint received 2018-11-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (VA)

Opened checking account in late XXXX, 2018. Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account.

Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days.

I completed the requirements. Citi has not paid the bonus. Contact them numerous times.
Consumer complaint received 2017-04-28
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (GA)

I have a very old debt with  XXXX   XXXX  from about 10 years ago on a private student loan. Apparently now the company is called  Navient  although I have never signed any contracts, nor do i acknowledge any obligation to 'Navient. ' I was told i would be forced to give my banking information and that there was no other option in my case, because ALL deferments and forebearances had been exhausted at that point. None to my recollection, did i request. They also told me that despite my unemployment, i would have to pay a {$160.00} payment per month. I communicated that there would be no way possible for me to manage this. My spouse is a  XXXX    XXXX   XXXX  , and on a fixed income and I spend a lot of time taking care of said spouse, doctor 's appointments, health issues etc. They constantly suggest that i contact the co-signor who i have repeatedly communicated that I am Estranged from, effective indefinitely for very personal and irrevocable reasons. There is no way around it. They continue to give me no options. I gave them my account info, All while letting them know that there was no way i could keep up with {$160.00} per month. They took my info, charged me the first time. It was a very hard month. They succeeded in getting another {$160.00} the next month which also very negatively affected my household. By the third month, the payment did not go through of course because this was  money I didnt have in the first place, and now they are threatening to place a default on my credit file. There are also Very many negative late payment marks on my credit score from du ring the time period they claim that my loans were in a forebearance/ deferrment. This company has harassed me, called me at work in the past to the point where discipline to me was threatened and other co-workers had personal information on me that made it a very hostile work environment. Clearly it was  Navient  Calling. They are making my life a living  XXXX . I would like to buy a hous e one da y, but they have so many negative marks on my credit file that i doubt it would be possible. Please help!
Consumer complaint received 2017-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

This is not my debt. In    XXXX   XXXX   2016, I started the process of purchasing a home. In   XXXX   XXXX   2016,   when about to close on my home, I was informed that I had an outstanding collection that had appeared out of no where from this company stating that I owed  XXXX  for an unpaid bill. I was unaware of this debt until that time. At that time, I called  Convergent Outsourcing, Inc. and inquir ed about the debt, they asked for all the information and concluded that it could be a case of fraud. At that time I asked for proof the debt so that I could provide proof to my lender that it was not my debt so that I would not be disqualified from purchasing the home and I was informed that they will send out their fraud packet as well as proof and as of this date, I never received said documents. I have took it upon myself to dispute the debt by sending in proof of my identification and st ill this company is trying to hold me accountable for this debt. I recently contacted the   XXXX   major credit bureaus with a  XXXX  letter to re-investigate this debt and I ha ve recently been informed from  XXXX , that the item has been verified and reported correctly, however, I still have not received documentation validating this debt as mine.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2017-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (SC)

I paid my  XXXX   XXXX  account on  XXXX / XXXX / 15  as " settled in full '' for the amount of {$250.00} through  XXXX   XXXX ,  XXXX . It is reporting on my credit report as paid in full. However, for the las t 3 weeks I have been receiving calls from Halsted Financial Services. They call and when  I answer they hang up. I 've had to call back just so I know who is calling me. Once I reached someone I was informed that my  XXXX   XXXX  debt was being sold for the collection of the remaining {$160.00}. If this account is paid/settled in full, why am I being harassed by collection agency that are reselling a paid debt?
Consumer complaint received 2017-04-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I have previously reporte d Portfolio Recover Associates for a highly abusive phone call in which I had to hold my phone from my ear as a representative repeatedly ( screamed ) asked me who would  have opened these accounts. All I asked for was an itemized bill showing how they got to the number they claim I owe. He talked over me, would n't let me get a word in edge wise and when I did talk, would talk down to me like I was a dog.     A supervisor was asked for and she promised I would be on a 10 day no call list.     I was called no more than 5 days LATER! I had n't even received what she claimed she would send out.     I had called back in due to getting something from them in the mail which was n't what I had requested. I found out that was n't what they were sending out and was told to wait.     I am continuously being harassed by this company despite honest attempts to work with them and simply ensure the amounts they claim I owe are factual.
Consumer complaint received 2017-04-28
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. (GA)

I reported to   XXXX   an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that  XXXX  to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get  XXXX  to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since  XXXX  has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should be removed.
Consumer complaint received 2017-04-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (NC)

I get calls repeatedly from this phone number,  XXXX , which comes up on caller ID as " robo caller ''. No one ever leaves a message and they call repeatedly all throughout the day. When I do answer the phone, there is absolutely silence.   The last time they called me was today,  XXXX , at   XXXX   XXXX   But they have called many times before this and I just did n't document it. I had no idea whose number it was because they never leave a message and there is silence when I do actually answer.     I Googled the number and found a " complaint '' website where many people complained about this same situation. It turns out it is Chase Bank.   Some people are saying it 's a scam to get your CC number. Others are saying it really is Chase Bank. I do have a Chase CC but I am not behind in my payments at all. I just want them to stop calling but when I call that number back to try to speak to someone, it says it 's not a working number.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION (PA)

My deposits are not being processed on time for me to receive them because they dont want me to report them for the y will be closed on a Saturday and they try to determine who I report them to the following Monday. I call 3 othe r banks that said I should have received my deposit fro m VA defas or  the treasury.     Also bank took money from my account after I confirmed by phone that the money was there. When I went online to spend it suddenly  XXXX  disappeared then  XXXX  more then  XXXX  more not allowing me to pay my tuition and ruining my registration for courses. I emailed and they refused to state entirely what had been done. When I called they claimed a disclosure that i never received took effect at that very moment late in the afternoon and thats why they did it. So they admittingly denied me my banking rights to hide their discrimination. And just gave me the money back ...     Please help me in this matter.   They have been ruining my life this year