davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (VA)

In XXXX of XXXX, I called to ask that my card be frozen/ replaced because I had lost it. At the time, they agreed and freeze the card so that no payments went though. 
However, because I had moved, it was difficult to get me the new card because I needed to update my address, but needed the new card to do that. It was all a bit silly, but since the card was frozen, I thought that was the end of that. 

A few months later, In XXXX, I see charges again, and I call to complain. They said that those were subscriptions and somehow circumnavigated the card freeze. I paid that off and demanded that they cancel the card such that no more charges could go through. If one of my subscriptions stopped working, they would ask me for an updated card. 

A month or so later, I saw more charges from XXXX, and called to complain for a third time. They apologized and agreed to cancel the card. The last problem at the beginning of XXXX. 

6 months later, I get charged again, but as I no longer track this card ( believing that CHASE has kept their word and closed the account ), I did not realize this until I started getting texts and emails saying that there was something wrong with my card. I downloaded the app, to confirm my account was closed, and found to my frustration an additional charge as well as a late fee and interest fee. 

I paid off the charge, but called to complain for the FOURTH time, since no charges were supposed to occur on this card that I have not had since XXXX of last year. 

They promised again that they account would be closed but refused to waive the fees they applied to the card despite them only occurring because they repeated broke their promise to close my account. 

At this point it feels like they are engaged in some sort of scheme to keep the account open so that I get charges and fees. I am not seeking government help in getting this company to close my account. 

If I need to go to court and file a small claim against them over the fees I will, but this all seems absurd, and I would prefer to leave on somewhat more amiable terms.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc. (IL)

XX/XX/2020 XXXX  XXXX. XXXX  XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX  XXXX COLLEGE/TEK-COLLECT XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You
Consumer complaint received 2020-04-20
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. (AR)

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.
Consumer complaint received 2020-04-21
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 (NC)

Disputed 2 claims with Bank of America for the same Company. Attended a seminar, in XX/XX/2020 and purchased programs. The Company split the charges for 2 products. {$1700.00} and {$2500.00}. As with many products offerings like this, there was a 3 Day Right to Cancel. I exercised my right to cancel by faxing the cancellation in to the Company XXXX XXXX. After cancellation, the company keep trying to get me to upgrade but I said I simply want to cancel. I reached of to Bank of America to to file a claim to dispute charges and reverse transaction by sending in the Right to Cancel form. Bank of America honored one charge {$2500.00} but not the other charge $ XXXX.I have sent certified letters trying to resolve this issue. As you can imagine my account has a huge negative deficit.
Consumer complaint received 2020-04-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A charge of {$300.00} was made for XXXX XXXX XXXX bill pay on my credit card. I do not have XXXX XXXX XXXX I called Bank of America XX/XX/XXXX and a women reversed the charge. and I got a letter. XX/XX/XXXX ( Attached ) One XX/XX/XXXX I get another letter saying now they put it back on for the reasons in the letter XX/XX/XXXX I call them again, speaking to a young women who tells me they have until XX/XX/XXXX to respond, I got no answer. I called again spoke with XXXX and a Supervisor. They also claimed to not have gotten the first letter. I also called XXXX XXXX XXXX to see if I could get a letter saying I don't have an account which because I don't they won't give me one. They tell me they will resolve it before XX/XX/XXXX. XX/XX/XXXX I send another letter ( attached ). XX/XX/XXXX I get the letter saying that While I personally didn't make the charge ( s ) we confirmed it was made by an authorized user on the account or someone who has permission to use the card. I called again, this time they reopen again, I asked who is this person so I can go to the police, I am told they don't know, I say give me the account number you paid to the XXXX XXXX XXXX bill pay. They say the can't. All letters are attached. I am a one person home and no one has my credit card information.
Consumer complaint received 2020-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kingston Data & Credit International Inc. (FL)

On XX/XX/2020 I received a phone call from Kingston Data Credit International saying I owed a gym membership which I cancelled via certified letter. I was told by the collection company that I needed to pay {$170.00} or that the company is going to report this to my credit report I even have a voicemail from a woman saying the same thing. I have received no letter from this company or correspondence from this company.
Consumer complaint received 2020-04-21
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: BARCLAYS BANK DELAWARE (PA)

We paid out credit card payment on XX/XX/20 in the amount of {$10000.00} which was the full amount due and paid by autopay from our bank on the day it was due. Since then, our card has been declined. Looking into our accounts, our bank paid the full amount above, we received a notification of the withdrawal and the credit card account shows it being paid, however, the payment on their end is " on hold ''. So we have no access to our credit card, the money came out of our bank account 5 days ago and has been credited to our account on the credit card website. It is barlaycard. I have been trying to call them- yesterday was on hold for over an hour, and now as I write this am still on hold for over two hours. We paid our bill on time in full 5 days ago, why is our payment " on hold '' why is the money out of our bank, why wont they answer the phone? God forbid this was some poor soul in a real crisis that needed their credit card asap!
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT ARS ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX  of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1983 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Accounts for student loans have been consolidated and are current but they still appear on credit report as 120 days late. Accounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all show account closed due to transfer but are still appearing on the report causing significant negative implant to credit score.
Consumer complaint received 2020-04-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I can not believe the unprofessionalism of the credit reporting agency Experian inwhom I've disputed the following accounts with, all to no prevail. It was written within the laws of the FCRA itself that if the creditor is bringing about allegations then these allegations shall be physically verified and me as the consumer has the right to the Method of Verification used. I've requested certified physical documentation of these unknown and unauthorized accounts reporting on my credit file. But then Experian only response is that they will not reinvestigate. This matter should be on file I've reported this some time ago when my information was stolen and compromised. I'm not sure what's more disturbing, someone using your information or a company ( Experian ) inwhom suppose to protect your information. I'm demanding that these accounts be not only removed from my Experian credit file but blocked as well. Please remove. 


XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-04-20
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. (AZ)

My wallet was either lost or stolen, and reported. I also notified the 3 major credit reporting agencies of this. And since my identity been compromised I've noticed unauthorized accounts reporting on my credit file. I'm sure neither of the credit reporting agencies supports fraud so therefore I'm demanding that these fraudulent unauthorized accounts be blocked and removed immediately.

As follow 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX  3 ) XXXX  Dept of ED {$1200.00} 4 ) XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I previously complained that Bank of America put a phony address and social security number on my credit report. The phony address that appears is XXXX XXXX XXXX, NO TOWN, CA XXXX. That address does not exist. Bank of America also listed the last four of my social incorrectly as XXXX. 

You sent this complaint to Bank of America. 

Today I received a reply from Bank of America via U.S. mail saying that the above information was CORRECT. 

How is it possible that ANY address, in NO TOWN, CA, XXXX is correct? My zip code is XXXX. XXXX is the zip code for XXXX XXXX, CA. Additionally, no such city named " NO TOWN, CA '' exists. It can't be correct. 

Apparently, someone who works the revolving door between the banks and CFPB just sent this over to BofA and BofA didn't do anything but mail that form letter to me. The form letter has no specific information on it at all. It was printed out in a batch that was sent to many complaining citizens and it just claims that BofA is right and we're all wrong. 

I assume that I have exhausted my Administrative Remedies and am not obliged to SUE THESE XXXX? I'm kinda hoping that you just have a program that forwards this message to BofA and that some XXXX there actually reads it. I fear, however, that the XXXX at BofA will be a machine, which will just generate another " we have it right '' letter. XXXX.
Consumer complaint received 2020-04-20
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)

On XX/XX/2020 the Federal government passed the CARES Act which states that all Federal Student Loans were to have interest rate set to 0 % for at least sixty ( 60 ) days. American Education Services ( AES ) has failed to change the interest rate on all of my Federal Student loans from the 6.8 % prior to the Act down to 0 %. Attempts to contact the company via phone, their website, or their social media pages have been futile as the company doesn't respond back on this issue. They only state that they are " waiting for guidance from the federal government '' about the rates with no other feedback -- and that was four ( 4 ) weeks ago. They will respond about ALL other issues but this one. My Federal Student Loans have still been accumulating interest at 6.8 % with AES since the CARES Act was passed while my wife 's student loans, held by FedLoan, have been showing as 0 % since that same time period. All of my student loans are Federal Stafford Loans and not commercial loans. I have also never consolidated my loans since taking them out during school.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an loan account opened at 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts and address have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-04-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have for a year been trying to have Experian stop reporting inaccurate information on my credit file. I have showed them my tax transcripts, proof that 3 accounts ( XXXX XXXX Partial Acct # XXXX ; XXXX XXXX XXXX XXXX Partial Acct # XXXX ; XXXX XXXX XXXX Partial Acct # XXXX ... XXXX ) could not possibly be mine. At the time of the opening of these accounts I did not have a job or proof of income nor did I file for taxes, so no bank would ever have given me any type of loan. Despite of showing proof that these accounts are inaccurate, I have requested them to show proof that they have the right to report this information 6 times which they have not provided at all. This is a continuing violation of my rights as a consumer and against the Fair Credit Reporting Act regulation. XXXX and XXXX  have stopped reporting these inaccurate accounts. I have showed Experian proof of this on my last dispute and still concluded that they will not be deleting these accounts even though every other Credit Bureau has stopped reporting them, which further proofs inaccuracy on my credit reports. I have also file a report with the XXXX  last week as they continue to implement unprofessional, childish stall tactics wasting everybodys time.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and Procedure ( 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. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listedd below. 
I demand that the following account be validate or DELETED from my Equifax Credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Consumer complaint received 2020-04-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VA)

We have not received an acceleration letter from the alleged servicer/lender. 

Per the CARES Act " A federally backed mortgage loan servicer is prohibited from initiating any foreclosure process, seeking foreclosure judgment or order of sale, or executing a foreclosure-related eviction or foreclosure sale for at least a 60-day period that began on XX/XX/XXXX. 

We received 2 sets of foreclosure papers, one dated XX/XX/XXXX and another dated XX/XX/XXXX. 

It appears that on XX/XX/XXXX, XXXX  XXXX  purchased the Securitization : XXXX   XXXX from XXXX XXXX under XXXX XXXX XXXX Then it appears that XXXX  XXXX  sold the aforementioned to XXXX XXXX XXXX XXXX XXXX - the investment bank. 

Additionally, the " Trust '' closed on XX/XX/XXXX. 

XXXX XXXX  advised all servicers to cease using their name to foreclose XX/XX/XXXX. 

We have multiple documents that show that there is a zero balance. 

Also, there are multiple pending appeals in multiple courts, yet the attorney law firm, XXXX XXXX XXXX ( part of the LOGS network ), using XXXX XXXX XXXX XXXX XXXX 

I am/was in a bankruptcy case. The Chapter XXXX Trustee ( office ) entered my unauthorized signature on a confirmation of my Chapter XXXX plan. The Chapter XXXX trustee openly admitted that the endorsement was a mistake. The Bankruptcy Court - still allowed the Chapter XXXX Trustee to withdraw and vacate the plan -- outside the allotted fourteen day window, Also, the former defense attorney ( no longer with the law firm ) entered into the United States Bankruptcy Court - an alleged 9-page promissory note. 

Eventually, the Court provided me with a certified copy of this 9-page promissory note. 

BUT, here 's the crux - I was not at closing - I did not sign a deed of trust or a promissory note -- We have also researched and learned that the alleged notary public was not a notary - at the time ( XXXX ) There are illegal documents recorded in our local County recorders office. 

My automatic stay continues to be violated. 

There remains an active XXXX XXXX on our property. 

Yet, XXXX XXXX XXXX is scheduled to foreclose on our property illegally on XX/XX/XXXX. 

The deed of trust and the promissory note is voided ab initio. 

There is so much more to this story - but this illegal sale needs to be stapped. 

Thank you.