davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AVANTE (KY)

This morning I received a call from Avante USA a debt collector. They stated that I owe a debt from XXXX XXXX XXXX XXXX from XX/XX/XXXX. When I explained to them that I have never receieved a bill for this they stated they have no control over that. I said I was n't paying it and was then told that they have n't yet but they will put it on my credit report. I then asked to speak to a supervisor and he stated that they just received this account on XX/XX/XXXX. I explained to him that I was going to contact the original debtor to inquire about why I never received a bill. He then stated that I could not contact them and refused to give me XXXX XXXX XXXX billing phone number. I advised the supervisor that I was certainly contacting them anyway. When I contacted XXXX XXXX XXXX today they state that the account number referenced by the collection agency has a XXXX balance. I then was transferred to the group that handles the physicians billing to double check if I owed them anything referencing the account number from the collection agency. They too, stated that there is a XXXX balance on my account. While speaking with both departments within XXXX XXXX XXXX I asked what collection agency they use. Both departments gave a different name than Avante USA. So Apparently this collection agency is fraudulently trying to collect money from customers on accounts they do not owe. When I called them back and explained that I have a XXXX  balance on these accounts, and that I was recording the call, the lady got nervous and hung up on me after stating she was also recording me.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

I have been working on my Experian credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX and there is XXXX XXXX  XXXX XXXX # XXXX XXXX, IL XXXX XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-02-05
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: NAVY FEDERAL CREDIT UNION (FL)

I made a dispute against XXXX ( moving and storage company ) for overcharging me and just charging my card without my consent, roughly {$6200.00} with Navy Federal Credit Union. XXXX had my credit card on file and would just charge it what ever they wanted to. They had all my worldly possessions in a XXXX unit so I couldn't cancel the credit card or they wouldn't give me my stuff back. The charges do not match the quote I was given by XXXX 
Last week the dispute was dropped by my bank Navy Federal and I was told XXXX produced documents proving I signed for the services so I asked for copies of the documents my bank was sent from XXXX I was sent via secure messaging a contract XXXX sent the bank. The problem is this contract is not singed by anyone and the bank accepted this as evidence that I agreed to the charges. A couple of days ago, per the fraud department customer service rep I asked to reopen this dispute and asked for an appeal because he even said this look fishy and I was sent a secure message by the bank refusing to reopen the case or appeal it. This is why I'm filing this complaint.
Consumer complaint received 2017-07-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America foreclosed on my HELOC because it had expired. I made payments of interest and principal each month and they still chose to foreclose on me. I paid off the mortgage before it went to the foreclosure auction so my complaint is with the accountability of the fees they charged during the foreclosure process. Foreclosure fees increased each week even though the only effort expended by BOA was to publish the forfeiture in the local legal news. Why did my fees increase each week? Title fee. What is a title fee and when would I receive this " title ''? BOA started out charging a {$270.00} title fee and two months later the fee grew to {$420.00}. Why did the title fee increase. The property did n't change. <P/>Please tell me specifically what work was done, when, and why. I would like to know specifically what costs were switched from consumer service to billable hours. <P/>Please also tell me when I am going to receive a the title I paid for. <P/>Lastly, please tell me why I paid the full amount due for a payoff date of XX/XX/XXXX, yet BOA received and negotiated the funds on the XX/XX/XXXX. Why am I not receiving one days interest as a refund? If I was one day short, would BOA call it good? <P/>This theft of this small amount of interest illustrates the depth of deception that permeates BOA from the top down. We 're only talking about $ XXXX-XXXX dollars and they chose to take it thinking I would n't notice. <P/>Please give me a full accounting of the foreclosure fees totaling {$1000.00} and issue a refund for the theft of unearned interest.
Consumer complaint received 2022-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

On XX/XX/XXXX Credence Resource Management posted this XXXX XXXX collections for {$1000.00} to my credit reports. I immediately called them and eventually discovered they had the wrong person. They had SSN, residence address, contacts which were not associated with me. The address was in XXXX TX at an apartment. I have never been to, lived in, or been associated with XXXX TX. I disputed with all 3 bureaus and mailed back the affidavit sent by Credence validating I was not the account owner. By XX/XX/XXXX the collection was removed from all 3 bureaus. 

On XX/XX/XXXX XXXX XXXX posted this same collection to my credit reports. Clearly they purchased this debt from Credence and either weren't provided the file showing I was not the person associated with this account or a they are purposefully ignoring it. 

I also see that either Credence or XXXX XXXX has updated my address history on my credit reports to include the debtors address in XXXX TX, despite the fact I have never been there or been associated with that address. 

Reading the numerous complaints against both of these companies, it seems it is a common tactic to use personal information gathered from affidavits swearing the debt does not belong to the person to, to update and manufacture evidence of attribution. The fact that there are thousands of complaints against these companies and yet there appears to be absolutely no punitive action is beyond absurd. 

My wife and I are trying to close on our XXXX house, and this previously disposed invalid debt appearing the week of closing has jeopardized it not allowing us to close on the original contract. 

I request no more than the immediate removal for my credit reports as well as a side letter from XXXX confirming they have updated the file for their own use and any future owner of this debt they may decide to pass this on to.
Consumer complaint received 2022-02-12
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)

I placed an order on XXXX using my Chase Freedom credit card. The detailed information of this transaction is given as follows : - Date of the transaction : XX/XX/2021 - Order Number : XXXX - The amount I paid to the business : {$1000.00} Details of the complaints : I received the wrong products for my order. The details are explained in the attachment ( XXXX dispute ). I called and emailed to contact XXXX customer service for a replacement of the order starting in XX/XX/2021. I tried multiple times. However, the business did not resolve the problem for more than two months. 

I filed a transaction dispute on my Chase credit card for a partial refund ( I subtracted the matched products from my order and therefore requested a partial refund for the products I never received ). However, the Chase bank denied my dispute. The notice letter is also attached to this request ( XXXX ).
Consumer complaint received 2023-06-15
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: EdFinancial Services (SC)

I recently disputed student loans from my credit profile the loans are 8 years of age 15 U.S Code S 1679 states the credit bureaus must remove accurate, negative information from your credit report if its over 7 years old my rights has been violated as a citizen as the debt still remains on my profile
Consumer complaint received 2022-02-05
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. (TN)

I did not give any written instructions to the consumer reporting agency nor did I authorize any of the inquiries that on my consumer report. The reporting of these inquiries are a violation of 15 USC 1681b ( c ) ( 3 ). Consumer reporting agencies will be held liable for willful and negligent noncompliance pursuant to the Fair Credit Reporting Act. The following are the inquiries that shall be removed : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (NC)

My issue is regarding excess payment allocation.
Great Lakes Educational Loan Services is the servicer of my Stafford loans. I have 4 Stafford loans in total, each with a different interest rate. The highest interest loan is called " Loan Token 330. '' My monthly payment date for these loans is the XX/XX/XXXX of every month. In XX/XX/XXXX, I paid my monthly payment via autopay on XX/XX/XXXX. I also wished to make an excess payment in the amount of {$800.00} toward Loan Token 330. I  called the Great Lakes customer service phone number on XX/XX/XXXX to make the excess payment. Great Lakes customer service was closed on XX/XX/XXXX due to the XX/XX/XXXX holiday, so I was not able to reach customer service.
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Great Lakes customer service reopened on XX/XX/XXXX, so I called on XX/XX/XXXX to make my excess payment. The customer service representative promised over the phone that my excess payment would be applied to Loan Token 330 only, and promised it would not be applied to my XX/XX/XXXX monthly payment. <P/> I logged into my Great Lakes online account on XX/XX/XXXX and saw that the excess payment was applied to my next monthly payment, instead of being applied to Loan Token 330 only. <P/> I called Great Lakes again on XX/XX/XXXX. For the first time, Great Lakes customer service explained to me that an excess payment must be made on the monthly payment due date if it is to be applied to a particular loan, and not to the next monthly payment. This information is not available anywhere on the Great Lakes website. The Great Lakes website states that an excess payment will go toward the next monthly payment first, but it does not state anywhere that the excess payment must be made on the monthly payment date to avoid this. Furthermore, I was told conflicting information during my phone call on XX/XX/XXXX : Great Lakes customer service told me that the excess payment would apply to Loan Token 330 only. <P/> During the call on XX/XX/XXXX, Great Lakes customer service told me that an " exception '' would be made for my payment, because they were closed on my payment due date, and because their customer service told me incorrect information on XX/XX/XXXX. The " exception '' would fix my excess payment so that it would go toward Loan Token 330 instead of my XX/XX/XXXX payment. <P/> On XX/XX/XXXX, I called Great Lakes again and was informed that the " exception '' did not go through and my excess payment would remain applied to my XX/XX/XXXX payment, rather than to Loan Token 330.
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I want the CFPB to help me get my excess payment applied to my desired loan.
Consumer complaint received 2022-02-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened the account as I was advertised to receive {$700.00} bonus if I deposit {$50000.00} within 21 days of account opening and keep the balance of {$50000.00} for 60 days. I opened the account on XX/XX/2021 and met all requirements. No bonus was posted for me.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC. (IL)

Made a payment with my XXXX XXXX  for my travel needs and when I made a payment I was told by representative that helped me with my payment stated it will reflect on my account in 2 days. I followed up 2 days after which was XX/XX/23 and was told that they can not release the hold till 7 days!! I was advised that they can escalate due to I was misinformed of the rep that took my payment regarding payment process and send a proof of payment which was sent to secured messaging. I asked to speak to a supervisor to help me escalate my problem and confirmed thats they received my proof of payment. I tried to follow up again regarding payment and unfortunately the supervisor that helped cant do anythIng to help! Out of the 3 supervisors I talked to only one had the compassionate and understands my situation. I am leaving in a few days for vacation and still no response!! Very poor customer service!!!
Consumer complaint received 2023-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

On the afternoon of XX/XX/2023, I was bombarded with an insane amount of emails, only to find out later on that this is referred to as e-mail XXXX while something more sinister is happening behind the scenes. Later in the evening I received a text alert from CHASE asking me if I had authorized an {$800.00} payment. I went to my online account and saw that there were in fact several ( 18 ) unauthorized transactions to XXXX. I immediately called CHASE and informed them as to what was happening. They cancelled the debit card and transferred me to the fraud department. Needless to say my bank account was totally drained and it even went into overdraft. CHASE assured me that they will do their best to investigate and come to a resolution. After a week of waiting and no updates, I called CHASE on the morning of XX/XX/2023. They informed me that they had finished their investigation and that my claim was denied because the payments, all 18, were processed and issued to a third party merchant, in this case, XXXX. CHASE said that I needed to contact XXXX and seek a resolution about getting my funds returned. I called XXXX on three different occasions, each time speaking to different people, and each time I gave them all the information from the Chase transactions. XXXX kept saying that they can not find the transactions in their system so they can not do anything and that I needed to go back to CHASE. Basically I was being ping-ponged back and forth from XXXX to CHASE. 
I can understand if XXXX says that they have no records of the transactions but I can not understand why CHASE would deem those 18 transactions as NOT fraud. In all there were 25 transactions to XXXX at the time when the incident was occurring. Four of those were rejected and three cancelled. If this is not a red flag for the CHASE fraud squad then I don't know what would be. Also, while speaking to the last CHASE fraud specialist, I was told that part of their thorough investigation would have been to contact the merchant ( XXXX ) and verify the transactions. When I called XXXX there were none of those 18 transactions in their system? My position now is that my bank account has been wiped out, CHASE tells me that they transferred the money but the onus is now on me to figure out where it went. So much for helping the customer.
Consumer complaint received 2023-06-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have made numerous attempts through phone and certified mail to resolve with the bureau. I have sent in multiple times proof of identity and residence. I have submitted this information XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX There are multiple detrimental fraudulent inaccuracies STILL reporting on my credit file. I have informed the bureau of myself being a victim of identity theft. I have requested original proof of verification as there is none to give me. The bureau has neither brought forth proof as inquires and the listed fraudulent accounts as belonging to me or being authorized by me yet they have failed to remove them from reporting on my personal file. Inquires include : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX 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 XXXX XXXX XXXX XXXX does not belong to me, XXXX does not belong to me XXXX XXXX does not belong to me
Consumer complaint received 2022-02-06
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)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Consumer complaint received 2023-06-15
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. (TX)

HI AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

XXXX XXXXXXXX {$1700.00} - - -No Data Account Information Address XXXX XXXX XXXX BILLINGS, MT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$1400.00} Credit Limit {$0.00} Past Due {$1700.00} Pay Status >Charge-off< Date Closed XX/XX/XXXX Status updated XX/XX/XXXX Past due amount {$1700.00} Highest balance $ XXXXEstimated month and year this item will be removed XX/XX/XXXX Remarks UNPAID BALANCE CHARGED OFF I do not recognize this account in the way it's reported and the information here is not true and accurate also show me the method you investigate this innacurrency