davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-21
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: Experian Information Solutions Inc. (AZ)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete it ASAP as this is very exhausting. Nobody wants to grant me a loan because of these accounts : XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX and XXXX XXXX XXXX/XXXX   XXXX
Consumer complaint received 2018-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

I am beyond exhausted with all my efforts to resolve this matter with ability recovery for a # of months Ive been back and forth trying to find a solution to have this account remove off my consumer report. I have no response back from any of my corresponders within all departments. Ive been advised by my attorney to file a suit and sue for for damages that Im entitled to under the FCRA. I prefer to work directly with this company in resolving this issue that will result in removal of this account off my consumer report. I have no choice but to sue should I find no response once more after this complaint, this is my final attempt. I will therefore move forward with my supporting document. Ability recovery has this account # on this report that I have absolutely no knowledge of. This has been a complete devastation to my entire family and myself due to fact this has held up an entire mortgage process having us nearly homeless. Please assist me in the aggressive removing of this account.
Consumer complaint received 2021-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (SC)

I asked commonwealth financial for info on this acct and they could not give it to me. I asked if they had signed hipa form and they stated they did not. Told me to call original creditor. I called XXXX XXXXXXXX XXXX and after being transferred and on hold for over 45 mins they told me they have NO OUTSTANDING BILLS for me. XXXX from their office told me to call XXXX I spoke to XXXX and he said he sees were this was disputed but they keep confirming the debt. He told me to call CFPB and file a complaint.
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed. 

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (KY)

There are several companies to dispute with and I have tried numerous times. I am victim of the 2019 breach and have been having issues every since with all accounts as I have had brokerage accounts and was not made aware and they were repeatedly stolen from me. My accounts were then fraudulently used and after numerous complaints, still not fixed. Currently my checking accounts are in a charge off status which is only supposed to happen with credit cards. They have told me I have to open new accounts now, and most of my money has been stolen and have refused to even allow me online access to see all problems to even file disputes. Currently XXXX is a card I received as a prepaid from a Financial Service center as I am an investor or broker of this banking center. When I got back into the account, they closed it. So now I no longer can use this card and have to open a new one. I am concerned as this means someone has stolen the investor/brokerage status I had with this banking center as well. I need help. I have filed identity theft from identitytheft.gov and also need to file against some individual corporations and banks. Who should I contact now?
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2018-12-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2018 I went to the XXXX XXXX XXXX for service ( carwash ). The transaction amount was for {$26.00} XXXX {$21.00} for the wash and a {$5.00} tip ). I attempted to use my Bank of America debit card. The attendant took several swipes with my card before handing it back and telling me that it was rejected. I then provided my Bank of America Visa card and completed the transaction. A few minutes later, my wife called to tell me that our checking account had a pending post for {$20000.00} to the car wash. She immediately contacted B of A to dispute the transaction. B of A removed the transaction. On XX/XX/2018, the {$20000.00} was withdrawn from our account rendering a negative balance. We again contacted Bank of America and established a case file objecting to the transaction. We after doing so, I visited a local branch and spoke to the branch manager who informed me that there was nothing that could be done. In fact, it could take up to 90 days to resolve the problem! While with the bank manager we contacted the merchant and he was adamant that the transaction had not taken place and therefore didn't need to do anything. I informed the merchant that my next stop would be to the police department. As I pulled up to the PD, the merchant called to tell me that he was incorrect and that he did have my money. In a 3-way phone call with his processor, it was agreed that the merchant would issue a reverse charge to my debit card. The processor has provided their evidence that the reverse charge was made on XX/XX/2018. As of this correspondence ( XX/XX/2018 ), we have not seen a posting to our account and B of A is not willing to provide any relief. This was not my mistake, yet the bank policy seems to lend to taking care of itself versus taking care of its customer. Because the bank allowed the transaction to go through, we are significantly negatively impacted and now have no way to meet our financial obligations. I've received nothing but canned responses on each of my calls and the obligatory " Have a nice day ''! While I've received many comments from B of A employees that they've never seen a $ XXXX car wash, I've gotten no help from them whatsoever. Between the merchant and the bank, we are now in financial difficulty.
Consumer complaint received 2015-06-03
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (IL)

Citi misposted late payments to XXXX of my old mortgage accounts late XXXX and XXXX. I submitted a complaint in XXXX XXXX ( Case # XXXX ). Citi agreed that those late payments were posted in error and agreed to correct my credit history with the XXXX bureaus. However, I pulled my own credit report this morning, and to my disgust, I learned that Citi has re-aged those XXXX accounts to reflect recent activity that I have not had, which means that these accounts will not drop off my credit until XXXX. Re-aging accounts is unethical and illegal. XXXX of the accounts was due to be removed this month ( due to age ), and the other XXXX is due to be removed XXXX. The clock should NOT be reset because they are correcting something that they have posted in error. I have had XXXX activity on these accounts for many years. Instead, Citi has decided to show these XXXX accounts as charged off in XXXX XXXX - THIS IS INCORRECT!!!! All they had to do was remove the late payments that were erroneously posted. This lender is trying to disable me from ever being able to buy a house for me and my family by continuing to destroy my credit!!!! I am a single mother of XXXX young children, and I have been working very hard to recover from a divorce and period of unemployment - please stop punishing me by pummeling my credit score.
Consumer complaint received 2015-04-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America misled me into believing that a duplicate or substitute check would be issued, by them, after the maker decided not to pay it. A check for over $ XXXX was deposited into the ATM. Four days later, or so, I found out the check was reversed only after initiating contact with them. Valuable time was lost during the weeks that they misled me and this is compounded by the fact that no written notice with the check copy was received until a few days ago. This check/property was handed over to the bank, as the customer they owed me specific duties, including the ability to cure any defects with the item.
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Brand new credit card received with a credit limit of {$1000.00}. My very first payment was due XX/XX/18. I made a payment online XX/XX/18. I received an emailed same day ( XX/XX/18 ) stating the payment was " scheduled '' and would take 2 business days to post. Emailed received XX/XX/18 stating the payment made on account posted XX/XX/18. Next email received XX/XX/18 was simply stating my statement was ready. XX/XX/18 and XX/XX/18 indicated that a payment was missed. I contacted the issuing bank ( Synchrony for XXXX ) to which I was advised for the very first time that my payment was rejected. I never received any notification via email that this was an issue. On XX/XX/18 I was able to speak with a supervisor who informed me that the notices that go out for rejected payments, only go out in a letter to the home address and NOT via email like all of their other correspondences related to the financial aspect of the account. She also stated that the 2nd email that indicates a " posting '' to the account does not mean funds were received by my bank for the payment. The email does have verbiage that indicate that it being considered as " posted '' there could be issued with my bank information and funds not meeting the payment. The letter that they generate for this " rejected '' payment was dated XX/XX/18, and was received in the mail on XX/XX/18. As a result of this undisclosed " rejected '' payment, I was charged a late fee, ( however, I would have corrected my bank acct number or used another source of payment if I was notified and the payment would not have been late ), the late payment was removed, yet my credit limit was drastically reduced. This particular credit car has options when purchasing to request installment payments of purchased, therefore by reducing the limit, the pending charges, once processed would result in the credit line being exceeded. I had previously made purchased based on my credit availability at that time. This appears to be a tactic used to set a consumer up for fee after fee. The notifications used were deceptive as they email for late payments and when payments are received, but lack timely notifications that could inform the consumer of issues that could result in a negative impact on credit and additional fees. Their resolve was for me to request a review for an increase in the credit limit ( of which I was denied ) and no options for the communication as this was their practice and they were " sorry this happened '' and I could simply pay off the card to avoid further issues.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX NUMBER REPORTED PLEASE REMOVED FROM MY REPORT : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2018-12-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (PA)

On XXXX XXXX I sent {$140.00} to a ministry in XXXX for XXXX donation. 
The Western Union in XXXX were not operating hence, receiver told me to cancel the western union transfer and resend the money another means. 
I called western union today XX/XX/18 to cancel the transaction at the XXXX XXXX location on XXXX XXXX, PA.I spoke to 5 different western union representatives to cancel and receive the fund.None of the representatives were able to generate transaction number i needed according to the cashier at the XXXX XXXX location for the refund.I left the location frustrated and warned them that I'm escalating the unacceptable behavior to various organizations. 
I need western union to refund my money plus fees {$150.00} as soon as possible. 
FYI Tracking # for the transaction XXXX
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MO)

I have been attempting to refinance or settle my loans for years. I have sent letters, called, faxed, and I keep getting sent to different departments or phone numbers, all of which direct me back to Navient. Navient will not help me. They claim they have no record of correspondence I have sent, even though I have confirmations. I requested new payment arrangements, they put it in forbearance, which led to HUGE increases in interest. When I was unemployed, they did nothing about income based repayment, but deferred it and charged 9 % interest. Now, my {$15000.00} in student loans are up to {$40000.00}. I have tried to discuss income based repayment, but have gotten no where. I have tried to settle the loans for a lump sum, but first they told me they were processing it. Then, they told me they had NO record of my request. Then I was sent to the Federal Student Aid department who told me they had nothing to do with this. I work for a non-profit. I have been there 6 years. I could be through a large portion of forgiveness, but i have been forced into forbearance and deferment to my detriment. I have been lied to, misdirected, poorly advised, and given different answers every time I call. I want to make a settlement on my loans, refinance them,. anything. I am XXXX years old and I can not go into retirement with loans at 9 % of {$40000.00} when I borrowed only {$15000.00} and graduated in 1996. Please give me direction as to WHAT I can do.
Consumer complaint received 2015-09-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America once again held onto a check purposely until my account had low/no funds, then put it through. It was for {$2.00}. They charged a {$35.00} fee AND refused to honor the check and pay the creditor, a pharmacy. Therefore I will incur another fee from the creditor. My income is fixed and only {$1200.00}. 

In addition, my direct deposit which was available the XXXX last month, was not made available this month. As of today at XXXX, it still isnt available. This is also done on purpose.
Consumer complaint received 2015-12-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Finance Company, LLC (TX)

This is Contienetal Finance/ XXXX Credit Card.I sent them a letter on XXXX XXXX, 2015, citing law 15 U.S.C. Section 1692c, to cease all phone calls to me or anyone I may or may not know. From that date until XXXX XXXX, 2015, they have made over 26 calls. I sent a second letter to them at that time. Since then they have called 26 more times. I have sent letters to other creditors and they have acknowledged them and have stopped calling. This company wo n't stop and if I answer the call, they hang up.
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX PLEASE REMOVE any other variations of my name they are not accurate. 
I am the Owner of XXXX XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2018-12-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (NC)

I recently discovered that Bull City Financial has reported 18 medical bills on my credit report. I have health insurance, so there is no way I can have this many unpaid medical bills. Prior to these accounts showing up on my credit report, I never received any notice of my right to dispute these items. So I called Bull City Financial, and they told me that I should dispute the accounts at XXXX, which I did. All they did was confirm the bills to XXXX. I still have not received any verification of the medical bills from Bull City, and I still have received no explanation on why they reported all of these things without contacting me first.
Consumer complaint received 2021-12-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NJ)

I contacted Rocket Mortgage to check on their claims of very low refinancing rates. I did not provide them with my Social Security Number or an authorization to do a hard credit pull on me. However, I found out that they did just that and it lowered my credit score because of other authorized parties and credit pulls.
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (IN)

Every company that uses synchrony bank has decreased my balance with out notice. This has also happened everytime I pay down my card they reduce my credit limit. Keeping my cards at 90 % use. This is ruining my credit I'm trying to build. Customer  service is no help at all.
Consumer complaint received 2018-12-21
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: MIDCOUNTRY FINANCIAL CORP (KY)

In one section of my credit report they have my name and address wrong. I've never spelled my name like it shows in the report and I've never lived at one of the addresses it shows either. They also have some of the companies & the dollar amounts listed 3 and 4 times ... ... .. That's ridiculous!!!! All that does is make my credit look worse than what it actually is!!!!!

There's also some companies still listed on my report that I have already filed bankruptcy on 7 or 8 years ago and some 10 years ago that are still on there and they shouldn't be!!!!!! It doesn't matter if a person tries to do the right thing or not because the government is going to do what it wants too anyway  regardless if they hurt that person 's feeling or mess up their life to where they are not able to buy anything or if that person tries to safe face from getting embarrassing phone calls or being told they are going to get sued!!!! You know things do happen in life that we can't control, like getting hurt in an accident to work you're not able to work or pay your bills ... ... Or your child is diagnosed with XXXX and you have to be the one to take care of them ... ... but you see the creditors or banks or government or whomever ; they don't care what you're going through, they just want your money. What really gets me is ... ... the creditors are stupid enough to tell you to borrow the money from whomever you have to pay your bills. ... .... all that does is make things worse!!!!!!!! Needless to say I have been working on trying to get my credit scores up for the past 4 or  5 months. It has come up several points!!!
Consumer complaint received 2018-12-21
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: Experian Information Solutions Inc. (NJ)

As a victim of fraudulent account origination and identity theft, I placed a dispute in with the major credit reporting agencies in XXXX, according to the FCRA section 605b this was a matter that should have been resolved in a matter of days, yet I have had no progress on the issue, despite submitting all required supporting documentation.