davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I am being reported to XXXX XXXX and I don't think I should be reported to XXXX XXXX.They sent out an affidavit to me.So I could sign it so they can investigate the claim.They changed my account over with my permission and authorization.But didn't really help me.So I changed it back.They promised to help me and the first rep promised to help me with a payment arrangement and extension.The account shouldn't been charged off There is a valid claim on file.I want this matter investigated asap.I want the account reopened or I want to be able to reopen the account and continue my banking history with bank of America.I want the claim investigated.I want to sign the affidavit.Bank of America is reporting incorrect and inaccurate information to a consumer reporting agency.The consumer reporting agency is XXXX XXXX.My account shouldn't been charged off.I still have a valid calim on file that hasn't been investigated.When is it going to be investigated. 
I will be filing a XXXX XXXX dollar federal class action lawsuit in US District Court Federal Court.I am a law sudent.
Consumer complaint received 2019-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I have been making extra payments on my loans to get them paid off. I was originally paying from my checking account with electronic payments. I could see when the check was cashed and that it did not post for several days after the check was cashed. I called and spoke to someone to find out why as this was costing me interested in significant amounts, which of course slows down the repayment. I was told if I paid through the Navient website on their app it would post the day I made the payment, eliminating this problem. Now I am finding that my payments still do not post for a couple of days after I make the payment through their website, again costing me additional interest charges. I called today XX/XX/19 to find out why this was happening and was told that this was just the way it was, that they could not promise me anything, that it takes time to process. I run a business and this is not correct bookkeeping. Payments should be posted the day they are received and no addtional interest should accrue on the money that was paid. I can not get help with this through Navient!!!! this is wrong and expoloitative.
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (LA)

In the months of XXXX and XXXX of last year Ive reported this fraudulent account to XXXX and the FTC only to find out it has reappeared but with a different creditor. Ive had XXXX delete it from my report.
Consumer complaint received 2019-09-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (UT)

American Express received XXXX with police reports from the XXXX XXXX police department XXXX, XXXX including FTCID Theft reports XXXX, XXXX XXXX XXXX, I highlighted the fraudulent charges on the statements they sent me as instructed and mailed all these documents back to them. They have not follow the law by removing these fraudulent charges as according to the Truth in lending Act nor the Fair Credit Billing Act.  Additionally, their law firm XXXX XXXX XXXX  sent me a letter stating American Express is stating the my fraud claim is invalid which doesn't make any sense whatsoever. They have police reports, FTC ID affidavits and highlighted statements of the fraudulent charges and the merchants transactions. The names and identities of the people who committed these acts are not listed because that information isn't known as my credit cards were taken from my home and my identity was used in many activities without my permission. When I tried to file a police report when I first discovered what was going on my life was threatened repeatedly by several unknown individuals who later were able to break in my home any time at will they wanted and stole many items of my personal property which is on police report XXXX. American Express fails to handle this claim in good faith and keep giving me the run around including sending these debts to XXXX law firm.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was initially issued a credit card by mistake because for some reason they approved me for a business credit card ( I was not aware of that ). Upon receiving a card in a mail I saw on it it was stating " Spark for Business '' I went to a local branch and inquired If they made a mistake, branch manager told me " just use it ''. In XXXX of XXXX I was contacted by the bank they admitted they made a mistake however stated that I'm fully liable for a remaining balance as well as APR, since then I was really mad with them because THEY MADE A MISTAKE INITIALLY and I have to pay a price in APR. I went through struggles in my life since then, contacting the bank asking them to please give me a brake in  payments they never did moreover they did tell me if I fail a payment they will report to a credit bureau and my credit will get worse. After many complaints within their bank I was contacted by their executive team from XXXX ( XXXX ) XXXX a person 's name is XXXX Employee ID XXXX contacted on XX/XX/XXXX XXXX in the morning. 
XXXX stated : " You were not liable for this account payments since its closure ( XX/XX/XXXX ) however you still have a balance and once account is closed we don't report on it to a credit bureau '' Thus I believe Capital One Bank was extorting money from me for 1,5 years ; I've contacted OCC group however not satisfied with an outcome, these people were threatening me with my credit for such a long time and I never failed a payment, OCC made them to waive a remaining balance and remove it from my credit at all, I believe it is totally unfair to me after made so many payments on time and being APRed at 24,99 % for such a long period of time, I demand justice and all the money paid them back NOW! or otherwise I will take them to the court.
Consumer complaint received 2019-09-03
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, XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Above companies as a result of data breach in 2017 were fraudulent and should be removed from all credit agencies. Thank you for your help. 

XXXX XXXX Deposit and Discount has 10 late payments that should be removed. Payments were as a result of identity theft issues and fraudulent accounts. The late payments are causing discrimination and we are unable to refinance or get loans, credit cards, credit because of the identity theft and financial ramifications. Our lives have been ruined and we need help with clearing our name and restoring our credit.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

As I was working on my taxes ( XX/XX/2019 ), I identified multiple charges that I did not authorize from a company called XXXX XXXX XXXX, XXXX NY. Since I was not familiar with this company, I contacted XXXX ( Barclay ) to inquire. On my first call, I asked XXXX ( Barclay ) for contact information for this company, as I could not find an online presence for this company ( they never provided it ). When I reviewed my bills further, I identified a total of 7 charges on two statements for a total of {$4700.00}. This prompted the second call to XXXX to identify it as fraud. Please note some charges were executed on the same day. I was informed by customer service to circle the charges on my statement and fax the statements to the company. This was done promptly. When I called back in about two weeks, I was told they did not have the statements and to refax to a different fax number at the company. I promptly did this as well. When I called to follow up, I was told that my claim was denied. No reason was given. I was told a letter was sent informing me of the denial. I never received a denial letter from XXXX. This is one of multiple occurrences of unethical and unbussinesslike conduct by the bank that I've experienced.
Consumer complaint received 2019-09-04
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. (NJ)

May you please assist me. I have accounts that Im unaware of XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX that someone did a pay settlement. How can this even happen? I need all this removed from my report. The companies all said Im responsible and theres nothing I can do but pay. This is so horrible. I work XXXX hours a day XXXX children to feed. please remove this so I can buy our home. Please God Please.
Consumer complaint received 2019-09-03
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. (NJ)

I have never visited hospital in that period. that's why I am asking about re-investigation these account and remove that from credit report. I do not account number but I uploaded page from credit report where you can see accounts.
Consumer complaint received 2019-09-03
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. (TX)

This is my 3rd time attempting to have XXXX, Experian, and XXXX remove these accounts from my consumer reports. They refused. I've filed police reports, FTC reports, and other things to have them removed.
Consumer complaint received 2019-08-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Financial Resources, Inc. (MA)

I had fallen behind on my auto loan. XXXX XXXX XXXX hired a privet investigator to get the vehicle back. He called me i cooperated with him he told me that he wanted to come and take the truck so they could sell it. I asked well what happens if they do not sell it for the amount i owe do i have to pay that he told me no i would not have to pay that amount. I told him that i wanted to talk to my father and i also wanted my father to talk to him as well. My father was willing to help me get caught up. The Investigator that was hired by XXXX XXXX  XXXX  told me and my father that we would be better off just letting him come and get the vehicle and that i would not have to pay any amount that was not recovered at the sale. Well now they are after me for {$12000.00} that they did not get in the sale. They steered me away from trying to cure my default and they lied. They have sent this matter out to a collection agency and now they are after me. They have also not verified my request for debt validation completely.
Consumer complaint received 2019-08-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONGRESS COLLECTION CORP (MI)

Received a letter XX/XX/XXXX stating they were collecting on behalf of a Dr that I hadn't heard of and if within 30 days I didn't respond they would  report it to the credit bureau. 
I called the hospital to find out who this Dr was and why it wasn't paid with the hospital bill and didn't get an answer. While I was trying to find out who and why I was charged with this bill on Th first of XX/XX/XXXX they did tag my credit report. They didn't wait 30 days as the letter stated. I paid it in full and said I will do my own investigation and told them they were not fair by not waiting 30 days to let me investigate and they admitted the error. I asked they would remove the delinquent remark on my credit report they said they would and also would give me the original bill so I could find the Dr and the charge. To date 10 days later there hasn't been any change to my credit report or have I received the original bill.
Consumer complaint received 2019-08-15
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. (CT)

The credit Bureaus are reporting reporting late payments on my XXXX Credit Card account and I have never been late with any payment on that account. I have requested for proof of any late payment from the creditor and credit Bureaus but I haven't heard back as of yet. Now I am reaching out to the CFPB for your assistance.
Consumer complaint received 2019-08-15
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: SYNCHRONY FINANCIAL (IA)

I purchased a bed from XXXX XXXX one year ago and gave all my information to sales person. Later I found out she had put XXXX XXXX as city and not XXXX XXXX XXXX, which caused this whole issue. I was never notified that Synchrony Bank financed the purchase from XXXX XXXX since the address information was transferred was incorrect. I have attached the letter I sent to Synchrony Bank, and when I called to asked for status on this, they informed me that is was now with another lender. 
I have also disputed with XXXX, but they have advised to contact Consumer Finance and not sure where to go next, but this has ruined my perfect credit.
Consumer complaint received 2019-08-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC. (FL)

Single owner of my property and my house XXXX XXXX. Suntrust Mortgage Unfair reporting created debt unauthorized lending practices anti trust issues of personal information was used as a Mortgage Scam Electronic registration system, Mortgage Fraud, securities fraud ... The Washington Supreme Court ruled that MERS is not considered a beneficiary under state law. Fla can a business operate without a identification number ( EIN ) or tax number? LLC owners must still pay federal taxes. LLC owners may need an EIN, or Employer Identification Number ... Without one, your business can not operate legally.

inaccuracy, fraud and scamI never signed these contracts, they were Fraudulent identify theft and mortage theft. May Be Submitted In My Name Or My Identity Fraudulent mortgage documents MERS Assignment of : Mortgage accts. accuracy, fraud and scam of Electronic Registration Have Been Used without My Consent To Fraudulently Obtain Goods Or Services Mortgage. XXXX county records, tax fees and documents are missing banks cant own real estate with tax fees or records found at the XXXX XXXX county clerk office. county land records show I have never authorized these loans. I have been extorted by and scamed someone is using my identity to pay debts that i do not owe. while others had forged signatures or documents put together by someone with very poor Photoshop skills.the electronic mortgage registry with the same name. There must of been an error in their SYSTEMS. I am the property Owner and deed owner. MERS was used Fraudulent mortgage documents. to creat this acct. force me to pay a debt that i don not own. i own my home and have the deed, both to the land and the property. This is not my account. i am owed money from this account. Suntrust Mortgage reported to XXXX, XXXX and XXXX  Real Estate Debt {$100000.00} I. MERS Mortgage Fraud MERS ASSIGNMENT nstallment Loans Collections Debt Total Debt {$110000.00}. Something as part of a whole.Sun Trust Mortgage organization as a ilegal corporation created a mortgage using my old name and address signitures copied and pasted on documents which was sold from one bank to another, then an assignmenta document showing that the mortgage has been transferred. 
Fraudulent mortgage documents. Sun Trust Mortgage I have paid money for i debt i dont not owe.although i have {$700.00} Paid 516 Months. 
copies or photos of documents I have never authorized this forge signiture.SUNTRUST MORTGAGE,. i paid to avaid damage to my credit and home but i dont no owe this debt. Nor did i authorized these accounts. loan no. Conventional Real Estate Loan, Including Purchase Money company with Tax no. and without EIN number to operate in the state of florida. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Utah XXXX XXXX billing for a mortgage i do not owe. XXXX. i am owed a refund for the money i have invested into these accounts. I will need to send documents by mail.
Consumer complaint received 2019-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I am in the Public Service Loan Forgiveness Program. I have been working at either a 501 ( c ) 3 or government agency   since XX/XX/XXXX. In XX/XX/XXXX, I was working at XXXX XXXX XXXX 's XXXX XXXX, a nonprofit that represents XXXX in XXXX XXXX. I was hired at a new job working in the XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX. There I would be helping people who can not afford to hire attorneys with their court cases. My last day at XXXX was a Wednesday, XX/XX/XXXX. I took TWO WORK DAYS off between my old job and new job. My first work day at the XXXX was Monday, XX/XX/XXXX. 

My student loan payment has always been due on the XXXX of the month. In XX/XX/XXXX, that fell on a Sunday. As it happens, my payment was actually a {$0.00} payment since I made so little money at XXXX. Because my " payment '' was submitted on the XX/XX/XXXX, FedLoan Servicing now says that payment doesn't count toward my 120 on-time payments for PSLF. I think this is absolutely ridiculous given that I was employed at a qualifying employer for the entire month of XX/XX/XXXX( minus two work days ), and the fact that my payment happened to fall on the weekend between jobs should not be held against me. I have reached out to them both by phone and email, and asked that they solve this problem, and they refuse to do so. I am positive they could retroactively change the day my payment was due for that month in order to allow me to get credit for that month of payment, and believe that is the only fair outcome. There is no rule that says that payments must be due on the XXXX of the month, and the fact that my start date at my new job happened to fall on the XXXX should not be determinative of when I can request forgiveness of my loans, given my obvious dedication to the public interest.
Consumer complaint received 2019-08-14
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. (OH)

LOOKING OVER MY CREDIT FILES TODAY AND I SEE ACCOUNT THAT I HAVE NEVER RECALLED DOING BUSINESS WITH THESE COMPANIES. I HAVE SOME ADDRESS ON MY FILE THAT DO NOT BELONG TO ME. 
THE FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  # XXXX XXXX  XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX I have filed a Police report and a FTC ID Theft Report.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

2 years ago I scheduled an appointment with a famous tattoo artist. I was XXXX and wanted to get a memorial portrait for my father. The artists name is XXXX XXXX. I made 2 separate deposits in XXXX each of {$250.00} (  a total of XXXX ). over the course of time I have been rescheduled by him about 3 times, each appointment being months apart. Originally I was supposed to get the tattoo in XXXX. I have now been rescheduled for XX/XX/XXXX. It is ridiculous that it has been so long and I still have not received the services. I have tried to cancel however they claim to not refund any deposits. I have never actually even spoken to a person this is all via text. I tried reaching out to his social media and received no response. I am not sure if I was scammed but regardless I did not receive services when I was supposed to and to wait 2 years for a tattoo is ridiculous, especially because I have never met in person with anyone who works with him or the artist himself. I disputed it with my bank ( Wells Fargo ) in hopes they could help me but they refused due to the no refund policy of the tattoo artist however, again, any communication Ive had has been through text and I was notified on their policy after I was scheduled. I then spoke to a resolution specialist and was told that I will have to wait ANOTHER 5-10 business days for them to reach a conclusion but it seems as though they are trying to side with the merchant which is unfair. I want to make clear that I was aware of this AFTER I made my deposit. I did not have a problem with this but I was supposed to already have received the services. I refuse to wait another year, at this point it does not seem that I will ever receive services. I gave {$500.00} away and NEVER received the services I paid for. I was naive and underaged when I made this transaction and feel that I have been taken advantage of. I am unable to load the messages on my phone because they were so long ago. This is unfair and I hope he is not able to do this to someone else again, banks are suppose to protect their customers from fraud, scams, and unique situations such as mine. There is no reason they should side with the merchant. After this I will no longer bank with them.
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

This following matter is in regards to the company of XXXX XXXX XXXX XXXX XXXX 

I have called Mr.XXXX XXXX at ext. XXXX on XX/XX/2019. He was very pleasant and courteous. My bank account has been completely frozen and I have been charged a fee of {$100.00}. As I have told MrXXXX XXXX I am unable to pay the balance of {$3700.00}. I do not have sufficient funds in my account. According to The Exempt Income Protection Act of 2009 the first {$1700.00} of my account can not be frozen. As such they are illegally trying to extract money from me as well as illegally   freezing my account. I have posted a message on their website ( they do not have an e-mail address ) with the above information. I am ready to take legal action if my account is not freed and the fee of {$100.00} is not credited to my account. If my account is freed and I am reimbursed the {$100.00} charged to me I will not seek legal action. Thank you.