davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I don't agree with the Experian Ruling on my credit report from XXXX XXXX XXXX. It is based upon one single late payment in a 16 year credit history. This late payment was because of a divorce and subsequent change of address and one single failure to pay because my ex wife and a fraud was on this card, the reason why I failed to pay was because of an XXXX XXXX committed with my financials concerned at the time, both of which purps are still in business. The failure of XXXX XXXX XXXX to let this go shows great animosity on the behalf of the XXXX XXXX and a failure of fair reporting. One late payment which is now over 6 years old should not be affecting my credit report for this long nor should it bring it down by 60 points. Can you regulate them properly now? 
Thanks. 
XXXX XXXX XXXX.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

On XXXX XXXX I tried to obtain a copy of my free credit report from Equifax. They said that online delivery was unavailable and gave me instructions to request my report by mail. I mailed the proper paperwork on XXXX XXXX through certified mail. It has been more than 30 days and I have not received any response from Equifax. Previously I have tried to add a fraud alert as well and have received no response regarding that either.
Consumer complaint received 2017-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I noticed unauthorized charges of over {$4000.00} taken out on my checking acct after returning from a 4 day stay in XXXX, NV. i reported them quickly to XXXX XXXX. 
I filed claims and was checking on the status daily for close to XXXX weeks. Several times i was told by superiors that the following day my funds would be credited back in my account. I dont believe that the bank would even allow that amount to be taken out of my acct.in one evening. I had to get authorization from them to once withdraw {$400.00} in one day at an atm. But yet they allowed over {$4000.00} to be taken. 
What happened to exceeding the daily limit to protect me. This is clearly an error on their part. But B of A is denying my claim. They have never reached out to me. I know this from getting updates from calling them, daily. They XXXX XXXX my pin and XXXX werent stolen, im responsible because the chip was used at every transaction. I explained how the card and pin were left in my vehicles glove dept. I valet parked at least 6 times that evening. 
I took out a car title loan to help us through our hard times. Now i have no electricity for over 10 days now. All my food spoiled. My water is getting shut off today, all because i cant pay my bills because my funds were taken. No credit was ever issued back to my acct. I did not take that money from my acct and regret ever depositing it. XXXX are my rights. I know im being taken advantage of. 
Sincerely, XXXX XXXX https : XXXX I filed two complaints on the XXXX & XXXX of XXXX, XXXX.
Consumer complaint received 2017-10-27
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. (GA)

I have mailed several written requests to the credit reporting agency to remove all of the listed places of employment from my file. The information provided is incorrect. I have never worked for the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX or any of the other companies listed in my report. The credit agency has failed to honor my request and remove this false information from my reports. It is causing issues for me when I go thru security screenings. I am asked very often to verify time period for places of employment that I have never worked. The credit agency needs to remove this erroneous information as soon as possible.
Consumer complaint received 2017-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CONGRESS COLLECTION CORP (MI)

After several requests XXXX XXXX has never mailed me a receipt of a payment. And said he did not know if he could get my loan info. How can you collect a loan without loan acct information? This company true to collect dirty but has little paper trail or verification to back up their claims.
Consumer complaint received 2017-10-26
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: CITYWORTH MORTGAGE LLC (GA)

I have noticed several inquries being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
Consumer complaint received 2018-03-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I called to inform Navient that my mother had passed and that all the expenses for everything ( travel for my XXXX sisters and I, along with arrangements ) were coming out of my pocket. I already had a balance and said that I would be willing to work with them to resolve the balance, but I needed the next 4 months of payments to be postponed because of the $ XXXX in arrangements that I had to pay ( so far ). The only thing they did was tell me they could lower my payment by {$100.00} but it would have to be automatic payments. I said I would pay the {$680.00} to get my account up to date, but would not be making payments for something I could not afford over the next 4 months. The supervisor then said that she would no longer enroll me and that I had no options, and refused to work with me any further other than take a payment.
Consumer complaint received 2017-10-30
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. (OH)

I was going over my credit file and I seen some inquires I do not recognize. I acquired from your organization on XXXX XXXX, XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. There over 15-20 inquires on my report I never applied for any loans or contracts for business with these companies. The dates are around XXXX If you find the inquiry referenced above to be valid, please send me a description of the dates and time as well as the vendors used in your investigation within 15 business days of the completion of the investigation.
Consumer complaint received 2018-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (NY)

I have sent out validation letter asking them to validate al the information I asked for in my letter.They sent back a copy of a computer generated printout, that does not in no way abide in accordance with the fdpca. 

They will not properly validate the debt..
Consumer complaint received 2017-10-26
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: EQUIFAX, INC. (GA)

I have noticed several inquries being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX, XXXX XXXX  submitted a inquiry on XX/XX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

I opened a Citibank thank you premier card in XXXX XXXX. My whole experience with the card has been polluted with numerous instances where my card goes under review, I call up to resolve the situation, then it goes under review once again. Often this secondary review happens within hours after clearing the card. And each time, I have to spend hours on the phone to resolve the situation. This has happened almost weekly for the past XXXX months. When I call them they make promises that theyll call me back within XXXX2 business days. To no ones surprise, that call never comes, and I have to reach out to them again, only to have the same promises made, and the cycle continues. A little more than a week ago, I spoke to a supervisor who assured me that the issues are resolved and that this wont happen again. Foolishly, I believed the supervisor. To his credit, the card didnt go under review again until a week later, the longest time the card had not been under review between reviews. Alas, however, the review came. And after spending XXXX5 hours of phone time ( mostly in hold ) with them today, holding my XXXX so I wouldnt lose service in the bathroom, I am sitting here with promises of a call back that will surely be broken once again. This is beyond frustrating at this point. And I have not even been able to use my card so I may not be able to hit my minimum spend amount required to take advantage of their sign up rewards bonus. Speaking of which, I did not receive my thank you points for the second month of spending until I had to call the thank you points line to have them adjust it. I imagine that this hold is the reason for it. I anticipate that being the case with this month, once again.
Consumer complaint received 2018-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION (GA)

NFCU ( Navy Federal Credit Union ) requested eligibility information after my account had been opened for 3 months. When I attempted to give them the requested info, it was unacceptable. I was told that my accounts would be closed, however they were not but my credit card was blocked so that I could not use it even though it was not delinquent. I requested for a dispute to be filed 7 times, my request were ignored. I attempted to make a payment on my credit card in XXXX that was accepted initially and then returned because Navy Federal processed my payment through a closed bank account that should have been deleted from their system. I attempted another payment on my account that was processed as a check even though it should have been processed as an ACH transaction. Even though I was told my accounts was going to be closed because my eligibility, they did not close my accounts but when I requested for my account to be closed I was told that it would not be closed until the credit card was paid off. I have been in constant contact with NFCU to resolve this issue and the only thing they are interested in Is payments on the card. NOTHING ELSE! .My credit is destroyed because of this and they don't care. I really feel that I've been profiled and discriminated against. Beware, this could be you.
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXX i processed a payment thru my Bill to Pay in my Bank of America on line account and it should of been processed due to the bill pay calendar on the bill to pay XX/XX/XXXX i log in on the XXXX and nothing it did not process but there was no update of it that it was processing or pending failed decline etc ... .. so i went ahead because its the second time i encounter a problem with the bill to pay BOA i just instead went to the XXXX  and paid thru their website and in person because i cant trust BOA . so i always every single day log in to my online to make sure its all ok and nothing crazy happens or i get overdrafts or anything. Yesterday XX/XX/XXXX all day i had a balance of like {$690.00}. close to that amount and im mean all day because i even paid my cell phone {$350.00} at about XXXX or XXXX XXXX  and it went thru fine no problem.. all of sudden i wake up next day morning XX/XX/XXXX and im overdrawn {$1400.00} i was shocked it was XXXX how can this be. i check and its the first transaction that was suppose to get process on the XX/XX/XXXXaccording to the calendar in BOA bill to pay it got processed on the XXXX supposedly the bank and when i called first rep said that on the XX/XX/XXXXit failed because my account was short {$9.00} they didnt honer it i request a SUPERVISOR and she comes at me that the check gets mailed on the XXXX and its up to the XXXX when they decide to cash it and i just let it be bacause at this ponint ive woken up everyone at my house with the screeming and yelling. with BOA you will never win a customer will always be responsible i didn't belive a word she said and i was also due to that charge overdraw fees of {$35.00} and she only refunded 1 i can not express my disgusting word against this back here is in their own words from their own website what happens when u schedule a bill payment ( When you make a payment, you select the payment amount and the date on which you want your Pay To accounts to receive the payment. The funds will be withdrawn from your account accordingly. ) i also took this down from their own website and from the Bill to pay ( After a payment is scheduled, it appears as Scheduled on the Payments Overview screen. After the payment is processed, the status changes to Processed. The Pay To account will receive the payment by the Deliver By date. Sometimes, however, it can take a few days for a Pay To account to credit your account. ) AND IT CLEARLY SAYS HERE IT WILL GIVE YOU UPDATE OF THAT STATUS OF THE PAYMENT AND CLEARLY IT DIDN'T AND THIS SUPERVISOR WANTS TO BRAINWASH THEIR CUSTOMER WITH POOR INFORMATION SHE SHOULD BE FIRED FOR GIVING FALSE AND FRAUD INFORMATION TO THE CUSTOMER TALKING ABOUT THE CHECK GETS MAILED SHE SOUNDED SO PATHETIC
Consumer complaint received 2017-10-30
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XXXX, I inquired about a car at XXXX XXXX XXXX in XXXX TN. I went there, signed an authorization for them to check my credit. No where on the application did it say multiple companies would check my credit ( XXXX to be exact ).
Consumer complaint received 2018-03-27
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (SC)

I've ask JP morgan bank to not pay anyone from my saving account nor transfer monies from saving to checking and if there's no money don't pay, Chase also will make multiple payments to the same people three time in the same day.B was I at a store making a purchase than they cut off my card while I'm in the store making a purchase. 
a copy of unjust fees charge to my saving account for fees pertaining to my checking. ( unjust fees ) If this is the case than you need to go backward from todays date and remove all overdraft fees you charged me cause you can just take from the saving and apply to checking such as you did in this case.You have proven to me that you used my saving account to to pay for something pertaining to my checking account ( I don't have overdraft protection on either account ). I did not request all theses copies. Look how many times you have charged me. I was not aware that I could overdraft my saving account for over {$600.00} when I can't overdraft my checking account for XXXX XXXX. Since when does any bank allow an overdraft on any account for over {$600.00} dollars. The last Bank I was with they would call me or email me that there is a problem.You will pay monies out to the same firm for the same reason 3 time in one day without alerting me or questioning me about it .You cut off my card while I was in a store with monies in the account and say to me, It sounded an alert. 

And here 's a copy of the many times they have charge me
Consumer complaint received 2017-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (FL)

This is a complaint against NATIONAL CREDIT SYST. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened without number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Consumer complaint received 2017-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (FL)

This is a complaint against BLOOMINGDALES. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Consumer complaint received 2017-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (FL)

This is a complaint against LVNV FUNDING LLC. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Consumer complaint received 2017-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XXXX based assistant Vice President for BOA XXXX XXXX who initially deceived me into believing she had my best interest at heart and almost within seconds tried to seize control of my banking, his intensified here apparent retaliatory effort that no they are so in non-compliance with CPF. As result of a credit not being issued for a claim again XXXX XXXX on XX/XX/XXXX they are now not only over drawing my account they are attempting to charge me fees. Again, had the credited the claim as required, there would be sufficient money to pay my debts and them some However, in as a BOA SVP has a state in profit sharing it is no surprise they are joining together retaliate by now taking my money And the CFPB stands by and does thing my XXXX XXXX continue to oversee BOES incredible non-compliance Thanks XXXX
Consumer complaint received 2017-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (FL)

This is a complaint against Barclays Bank delaware. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CO)

Was not allowed to acquire my free credit report online from any of the 3 credit agencies through XXXX. 

Was not able to dispute items over the phone from any of the 3 credit reporting agencies. They kept shuffling us off to other uninformed agents and we were hung up on continually. They have NO ACCOUNTABILITY.
Consumer complaint received 2017-10-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I began XXXX school in XXXX of 2016. I contact AES to tell them that I did not want my loans to be deferred. I wanted to pay them while I was in school so that they would count towards my public service loan forgiveness. The company removed the deferment. Since that moment, my account has been placed in deferment multiple times. I have contacted the company by phone several times. I have contacted the company by email, and the same thing continues to happen. Since dealing with this company, my public service loan forgiveness plan will be pushed back at least 6-7 months due to them not auto-drafting my set payment amount.
Consumer complaint received 2018-03-27
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH)

XXXX XXXX XXXX is trying to collect a shared private school debt of $ XXXX from myself only. They have yet to show me proof of signatures on these loans or the proof of the exact amount owed. This entity is currently under a law suit by the federal government and I want to make sure they arent coming after me unlawfully.