davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have paid my account off with XXXX XXXX and was told that if payment was that they in turn would delete from credit bureaus accounts are still showing delinquent payment status nothing has been changed
Consumer complaint received 2019-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

Good Day, I am having difficulty and been denied federal student loan relief under the IDR and PSLF programs, and have met the program requirements. I have paid my loan for over twelve years, and was advise to submit a complaint to the Consumer Financial Protection Bureau. I've also worked for the same eligible institution, under the PSLF, since XX/XX/2007. I need assistance, in my loans cancellations, as what was described in the terms of the PSLF terms and agreement.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

OMG! IT's getting so much worse with this bank! 

I previously filed a discrimination complaint with this bank! They still have my name wroing under XXXX XXXX ... .and then I found out that they put a 2 week hold on a {$500.00} XXXX check that I closed because of discrimination, thus that check was bring used to fund this account. 

Now I find out the very next day, they now now access some assinigne {$15.00} Hold FEE???????? for that exact same {$500.00} What the XXXX is this??? 

I want to close out this account now to B of A 's XXXX business pursuits, trying to gouge customers for no fault when they are merely depositing checks? 

What the gull of these people ... ..CFPC, you need to look at this bank gouging customers for fees. As a former XXXX XXXX for the XXXX XXXX XXXX, and now going to XXXX XXXX ... ..I am going to file a tort claim here in California as well against this bank. 

I also want to close this checking account due to the XXXX service and fees being associated with this bank ... ... I have check fees that I also paid to get checks in my name ... .I will be filing for return of those monies as well since B of A has engaged in deceptive business practices trying to extort fees from it's customers. 

This is now a series of 3 complaints against this bank ... .one wonders what other fees they will try to extort from me, when I had the initial discrimination compliant and they are now engaged in retaliatory strikes against me ... .cause of action here under the California Department of Fair Housing and Employment for  discrimination against protected citizens, that being LGBT protected class of individuals.
Consumer complaint received 2019-08-31
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: ARS National Services, Inc. (GA)

I just found out that my identity had been stolen, in effort to clear my name I want to report that accounts had been opened in my name without my knowledge. I am requesting for these accounts to be removed from my credit report intermediately.
Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (GA)

I tried to make a transaction XX/XX/XXXX and ended up canceling it. A few days later I got locked out of my account due to suspicious activity and I was told to call in. I called the number that appeared on the message but didn't get any help and was told that I had to physically go into a chase branch to resolve this issue. The problem is that I work overseas and I'm not physically in the US that's why I added my sister as an authorized user so that she can help out with these issues. My sister went to the bank only to be told that there was no issue with my account but I still couldn't access my account so I call the number again and explained to them what my sister was told in branch and they replied that she needed to have a rep from a XXXX branch call their department in order to resolve the issue only to be told that I personally had to physically show up to the bank which is impossible because I spend most of the year overseas. I have creditcard Bill 's to pay that I will miss if I cant access my account so I really need some help.
Consumer complaint received 2019-08-21
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: U.S. BANCORP (NY)

I got a letter in the mail today which is XX/XX/2019 saying I had requested a US Bank card dated on XX/XX/2019 XXXX This was not authorized by me in any way and under the fair credit act I would like this fraud inquiry removed from any credit reporting agency 's such as XXXX, XXXX and XXXX XXXX If there is any proof or video of me walking into this bank and requesting any credit card I'd be more than happy to see it. But I am 100 % sure I did not do this. 

I went to look at my XXXX XXXX where it shows no knowledge of any of this. I also called up us bank and told them I did not make any inquiries they told me to call XXXX and XXXX. I came on here so I can talk to all parties Involved and get this removed.
Consumer complaint received 2019-08-29
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. (IL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-08-20
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aqua Finance, Inc. (MS)

my complaint is for Aqua Finance ; on XX/XX/2019 they repeatedly called my phone at XXXX, XXXX, XXXX, XXXX, and when they called me again at XXXX i advised the person who was calling that i was at work and to please not call my phone any more because that many phone calls in a day is harrassment ( all calls are logged in my phone call log on my cell phone ) ; today, XX/XX/19, they have called me at XXXX and again at XXXX at which time i answered the phone and spoke with XXXX. I told her that they have already spoken to my husband today who has told them he would call them back to make a payment and that i asked them yesterday not to call my number anymore as i am at work and not suppose to be answering my cell phone. I spoke with XXXX, a senior analyst, and he advised me that if I could not verify who i was ( since they called me??? ) then he had no choice but to end the phone call ; XXXX told me they have 5 phone numbers on our account and they call each one 3 times a day. My account is still due for the XXXX payment and this is excessive especially since they had already spoken with my husband today. Please do something about the excessive phone calls we receive from this company regarding payment on our account. Thank You
Consumer complaint received 2019-08-29
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. (CA)

I have continued to submit an investigation for a Bankruptcy place on my credit report. I have been trying to get this removed because it was place on my credit report in error and inaccurate. ALL THREE CREDIT BUREAUS have continue to ignore the information proving this was place in error and fail to properly investigate the dispute I have place in their office. 

1. They say they have verified this dispute with XXXX but I have a letter from XXXX stating this was removed because they were unable to verify the accuracy of the bankruptcy. I received this letter on XX/XX/XXXX. XXXX just finished an investigation on XX/XX/2019 stating the verified this with XXXX. 
2.Experian Open the dispute on XX/XX/2019 and closed it on XX/XX/19 stated they verified with XXXX and the Bankruptcy court and I have a letter From XXXX stating they could not verify the accuracy of this dispute. I also, have a letter from the court house stating they do not verify information with the credit bureaus How could be this be on my XXXX file when XXXX has removed this item. 
3. XXXX open and investigation XX/XX/2019 and closed it XX/XX/2019 No way they properly investigation I have submitted all information to dispute the inaccurate information. Please do a proper investigation. 

XXXX, Experian, and XXXX please do a proper investigation under 611 of the FCRA thank you very much I have attached the letter proving this this is not on my XXXX consumer report and a letter form the court house stating they do not report information to the credit bureaus from the XXXX XXXX XXXX, Clerk of Court United State Bankruptcy Court on dated XX/XX/2019 I have summited it to the credit bureaus to be ignored. I have as for a description of my investigation by section 611 of the FCRA and the information from the investigation is inaccurate.
Consumer complaint received 2019-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/XXXX friend alerted me I had send her money on Venmo. I had no and when I went into site saw where someone was getting $ XXXX.out of my checking. I removed financial information from account that day but money moved from my checking next day. Venmo says investigating but may take weeks for refund. XX/XX/XXXX another {$1300.00} removed from checking even though financial info removed.Venmo not very helpful. Also had fraudulent activity in PayPal but refunded same day
Consumer complaint received 2019-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation (MS)

XX/XX/2018 a purchase was made at XXXX XXXX in XXXX Louisiana in the amount of $XXXX The account used was my daughter's checking account number, but my name was listed as if it was my account. The bank, XXXX of MS, detected fraudulent activity on the account and contacted my daughter and stopped payment and closed the account. I received notification from collection agency and went to my local bank and the officer at the bank called the company and explained to them that I was not on the account that was used. I am continuously getting phone calls and currently unable to write a check anywhere that Telecheck is used. I have submitted all documentation that they have asked for. A police report was filed by my daughter. This was never my account. I have never been to XXXX LA or purchased anything from XXXX XXXX.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Discussion with Chase : On XX/XX/XXXX, I called Chase Credit Card at XXXX XXXX and explained why I'm disputing the credit card charged on my credit card. I believe I explained to Chase in detail the nature of my complaint, and the individual I talked to told me to have my complaint/dispute in writing, so therefore, Chase will send me the form and instructions on what type ( s ) of documents I need to submit to process the claim. 

On XX/XX/XXXX, I did received the form and on XX/XX/XXXX, I faxed the form and supporting documents. 

On XX/XX/XXXX, I called Chase and ask to find out if may documents where received. The Chase employee I talked to ( XXXX ) told me that based on my claim, they can't contact the merchant and Chase will not pursue any action ; therefore, closing my complaint/dispute. I asked to talk to the Supervisor ( XXXX ) and I was told the same information. 

I told them that it was very frustrating that I wasted my time waiting, completing the form and sending required documents, as well as making copies and faxing back to Chase at the 888 number provided. 

Nature of my Complaint/Dispute : On XX/XX/XXXX, I rented a van through XXXX XXXX but doing business under XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, HI XXXX. When I picked up the van the gas was almost empty ( 1/4 ). Usually, when you rent a car, the gas is full. Initially, I demanded that they put a full tank of gas since it is very difficult calculate the exact amount of gas at 1/4 when you return. The agent at the rental place indicated that either I take the van or not since they are very busy and has no time to put gas. Later he compromised and said that is I return the rental with more than 1/4 of gas, I will be given a refund. Obviously, this was all verbal, as I can't commit him to put his statement in writing. The van was returned after hours with 3/4 gas, so I called the next day ( XXXX XXXX ) and left a message but never returned my call. Called the next day, but again, never returned my call. 

On XX/XX/XXXX, I called airport location ( XXXX XXXX ) and told to contact the manager ( XXXX ) at XXXX XXXX. Left messages but may calls were never returned. 

With no other recourse, I called Chase to complain/dispute the credit card charge.
Consumer complaint received 2019-08-20
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. (FL)

To Whom It May Concern: XXXXYour company have violated the provisions of section 605B, 623(a)(6), or 615(f),You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reportingYou have refused to fallowed the credit reporting act 605bStating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block; c) XXXX has reason to determine that you obtained possession of goodsThe account #XXXX XXXX  acc#XXXXThe account # XXXX acc#XXXXThe account # XXXX acc# XXXXand those inquired are fraudXXXXInquiry from XX/XX/XXXXMisc.XXXXInquiry from XX/XX/XXXXUtilities & FuelXXXXInquiry from XX/XX/XXXXUtilities & FuelXXXX XXXX XXXXInquiry from XX/XX/XXXXFinanceXXXX XXXXInquiry from XX/XX/XXXXFinanceXXXXInquiry from XX/XX/XXXXMisc.XXXX XXXXInquiry from XX/XX/XXXXAutomotiveXXXX XXXXInquiry from XX/XX/XXXXFinanceXXXX XXXXInquiry from XX/XX/XXXXFinanceXXXX XXXXInquiry from XX/XX/XXXXCredit UnionXXXX XXXXInquiry from XX/XX/XXXXCredit UnionXXXX XXXXInquiry from XX/XX/XXXXCredit UnionXXXX XXXXInquiry from XX/XX/XXXXCredit UnionXXXX XXXXInquiry fromXX/XX/XXXXCredit UnionXXXX XXXXInquiry from XX/XX/XXXXCredit UnionXXXX XXXXInquiry from XX/XX/XXXXCredit UnionXXXX XXXXInquiry from XX/XX/XXXXMisc.XXXX XXXXInquiry from XX/XX/XXXXBankXXXX XXXXInquiry from XX/XX/XXXXBankXXXXInquiry from XX/XX/XXXXFinanceXXXXInquiry from XX/XX/XXXXFinanceXXXXInquiry from XX/XX/XXXXFinanceXXXXInquiry from XX/XX/XXXXFinanceXXXXInquiry fromXX/XX/XXXXFinanceRespond As a victim of identity theft (meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver's license numbers, in order toimpersonate someone else) I have provided relevant information about my Identity Theft Report. FCRA § 605B(b), 15 U.S.C. § 1681c-2(b). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623(a)(6)(A),you must not allowed the furnisher may not continue to report that information to any CRA. FCRA § 623(a)(6)(A), 15 U.S.C. § 1681s- 2(a)(6)(A). Second, under FCRA section 615(f), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA § 615(f), 15 U.S.C. § 1681m(f).As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. § 1681i, a copy of which is enclosed, I am requesting that the item(s) be removed to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question The account and those inquired are fraudXXXX XXXX XXXX DOB XXXX SS XXXX 1XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I have a freeze on my account today I wanted somebody to pull my credit, I called Equifax and I couldn't get a hold of a person to unfreeze my account. I tried the automated verification I put in the correct information and they said they didn't verify me. I tried to call and get an agent and I was unable to speak with a person. They requested I mail in stuff to verify. At the time if I had gotten the credit card at the tire place I would have gotten a {$70.00} discount. Because I could not speak with a person to get this straightened out they cost me {$70.00}. I am requesting that they pay me the {$70.00} that it cost me. since they were unable to let me get a hold of a person and refuse to transfer me from the automated system I feel like they owe the money that I would have saved had I been able to unfreeze my credit.
Consumer complaint received 2019-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc. (TX)

When applying for any credit product with Comenity Bank, I keep getting the same letter claiming my credit report has a freeze. One letter today in the mail states that I have too many inquires within the bank itself and they used XXXX, but XXXX is LOCKED and that is false information. I have enclosed all the supporting documentation.Also when calling any of the numbers on the letters from my number I get a recording that I am not authorized to contact that number.So how can I contact my creditor if they have the number blocked? A copy of that recording is enclosed too.I contacted the bank on a different line today and the representative said that my credit file has a freeze, which it does not. She said to wait XXXX days after contacting the credit reporting agency and re-apply. This same thing has been going on for over 7 months, same letters, same calls, same answer.
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

The late payments reflected on XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX are incorrect, not late on the month shown on the credit report, re investigate it and fix the accounts on my credit report
Consumer complaint received 2019-08-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

Several different " representatives '' of a company going by the name of Evergreen Professional Recovery have attempted to contact me regarding a debt owed to them. 

I have never taken out any kind of loan and do not believe in credit cards ; below is the information that I was able to obtain from them : Company name : Evergreen Professional Recovery Address : Unknown Phone Number : ( XXXX ) XXXX Amount Owed : Unknown Number of Representatives Who Called : XXXX
Consumer complaint received 2019-08-21
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: EQUIFAX, INC. (UT)

XXXX XXXX # XXXX is reporting a collection on my account that does not belong to me. I have not gone to any medical recently and not during the time that this is reporting, nor did I get anything sent to me indicating this could be mine. I do not owe this debt, the collection is not mine.
Consumer complaint received 2019-08-21
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 — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (NY)

I have a mortgage account for Specialized Loan Service account # XXXX which has been closed and paid off in XX/XX/XXXX. I notice a 60 day late reporting for me in XX/XX/XXXX.This is  hurting me tremendously and is completely inaccurate.
Consumer complaint received 2019-08-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (PA)

Received numerous emails and mail from Chase about " now '' being a good time to refinance. We wanted siding and a new roof for our house and I called my contractor to my house for a quote in XXXX ( {$23000.00} ). We purchased the home in XXXX and it appraised for {$100000.00}. We did a refinance in XX/XX/XXXX and it appraised for {$110000.00}. Used Chase 's home value " tool '' and it brought back a value of {$110000.00}. I told the mortgage rep at the time we applied for the refinance, I was using their " tool '' as a basis for coming up with a final home value of {$110000.00} ( just to play it safe ). So the new mortgage would pay off the existing one and give us back $ XXXX for siding/roof ( and {$7000.00} " closing costs '' ). I paid the " good faith funds '' of {$500.00} on XX/XX/XXXX. Their appraisal was done beginning of XXXX and on XX/XX/XXXX, I received word from Chase that my home only appraised at $ XXXX. I was in disbelief. Their appraiser had in his report that " no upgrades done since home was purchased '', even though I had 9 windows and 2 patio doors replaced! When I questioned Chase about this, they told me to look into home sales in my area to find higher comps! I asked for my {$500.00} back since I was told I would get the funds returned if the mortgage did not go through. This is a deceptive practice!
Consumer complaint received 2019-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Every month almost XXXX and TransUnion has lowered my Fico score completely unfairly because I pay my credit card bill off in full every month. Theres absolutely no reason that my Fico score should drop. They are also letting anyone regardless of credentials or veracity attach any bill to my collection balance. The bills on my collections are several years old And I am not accruing any late or past due balances. I dont understand what type of people or mathematical formula they are using at those two institutions that paying my bills off every month in full somehow lowers my score. I would appreciate some help. Thank you.