davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Starting around XX/XX/2018 I was unable to access the money in my account. There was over {$50000.00} in the account. The website indicated I needed to reset my password, which the website would not allow me to do. The website indicated that I needed to call customer service. I spent over 1.5 hours on hold across 3 phone calls to customer service to get my password reset. I tried to transfer money out of the account and again was blocked from movement of money in my own account. After another 4 phone calls and 2 hours of wait time. I was finally helped by someone via " CHAT ''. The {$10000.00} was removed from my account, but, never deposited in the account it was to be put into. I received another email indicating my account transfer ability had been suspended. So, where was my {$10000.00}? They took it out of my account, but did not deposit it in the other account as requested. After several more phone calls, they finally agreed to put my money in the correct account. But only after 7 days, so who got the interest on that money ... .no small sum, {$10000.00}, for 7 days? On XX/XX/XXXX, I sent a letter requesting that my account be closed and to transfer the remaining funds into the external account that was attached. This has never happened. I did transfer most of the money myself on XX/XX/2018.
Consumer complaint received 2019-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX is making updates on an account that his been paid and closed for years!! Updating after an account has been paid and closed is a clear violation. This account has never been touched nor disputed and I don't know why after so many years, they are making updates! They are making violation updates and affecting my credit file. This accounts needs to removed off of my credit.
Consumer complaint received 2023-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (CA)

I won't put my information, but I believe it is okay to write the false information here, so I will. 
I received a credit card that I did not apply for. I contacted the card company and reported it. 
Then, I wanted to make sure there was nothing wrong with my personal information. So I logged into Chase and looked at my personal info. I saw the phone number XXXX next to the card number XXXX. 

I called Chase again to remove the false information from my personal page. My phone number next to my existing account was correct. 
But I am very uncomfortable with the false info that was on my personal page and about how Chace could issue the card without my knowledge. 

I also contacted the Credit Bureau 's office. We found that the office has the wrong social security number for me. I don't know why it is wrong. They had three pieces of information from when I applied for a credit card in the past, and that information was correct. But, again, the XXXX they had was not mine so it is very strange to me. 
I sent a copy of my DL and SSN to them by their request.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

EQUIFAX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC (OK)

I have repeatedly had fraud issues with this card. And, I have had identity theft issues. I have had this card for several years and requested that I get my invoices electronically. The card has a maximum limit of {$300.00}. I had set up to have my balance paid monthly. 

On XXXX XXXX, 2022, I called into the company inquiring about a payment from my checking account of {$290.00} ( remember the limit is {$300.00} ). I called in because I couldn't remember having spent almost {$300.00} with this card, I was told that my mailing address been changed to an apartment in XXXX, TX. I explained I have never lived there and I did not request a change of address. Concerned about almost {$300.00} in charges I could not remember I requested copies of my statements. With the unauthorized change of address I could not access my statements on line. On XXXX XXXX, 2022 I received several months of statements and discovered 12 unauthorized transactions prior to that month 's cut-off totaling {$290.00}, all made in XXXX, TX at a XXXX XXXX Store or XXXX and a XXXX in XXXX, TX. I registered my dispute over the phone. I sent a letter dated XXXX XXXX, 2022 by US Mail stating the facts and have never received an acknowledgement. 

I never got any paperwork from the bank. In the past when I have had disputes, every other bank has issued a provisional credit during the investigation period and required an affidavit as to the facts. Not this company. 

I have called back repeatedly to inquire. I was told the bank does not have a fraud department. On one of these calls, at XXXX XXXX, XX/XX/2022, I spoke with XXXX who identified himself as a Supervisor ( asked for by me ) I was told that my mailing address had been changed to an address in XXXX, MS. by a caller. I requested they put a hold on my account and investigate the fraudulent charges. I was told that I had to send a request to change my mailing address back to my real address with a copy of my Oklahoma DL and mail or fax it to them. On XX/XX/2022, I both mailed and faxed my change of address with DL to the Company. 

At present I have no confidence in this company and without a fraud department I don't know why they should be allowed to do business. I have been charged +- {$450.00} for charges I did not made. I want to get this money and then I want to cancel this credit card. This company is a nightmare to deal with. As of this writing, I have still not received any acknowledgements. 

I have not personally used this card since XXXX, 2022.
Consumer complaint received 2019-02-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (MD)

I had two negative debits in 2016 while going though a divorce. I paid both with settlement offers. One debit for XXXX XXXX bank act # XXXX original amout owed {$3700.00} gave me a 1099 for the amount not paid in the settlement which was claimed on my taxes as income earned. I also had a XXXX XXXX debit act ending in # XXXX original amount owed {$2300.00} settled with a collection agency Professional Bureau of Collections of Maryland , Inc . 
Now a company called XXXX XXXX XXXX. XXXX shows both as negative on my credit. I have reached out to them with proof of payments either with the 1099 and with the letter from Professional Bureau of Collections of MD Inc with the settlement offer, cleared check and letter from them stating that the debit was settled per agreement and closed. 
XXXX XXXX responds that they will not remove these from my credit and they want to make payment arrangements with them. I would like these removed from my credit since I paid them in 2016 in agreements with other companies. I can submit proof.
Consumer complaint received 2019-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recoveries, Inc. (VA)

My school XXXX COLLEGE ( XXXX VA ) closed in XXXX, I have a withdraw date of XXXX I never completed the program it has been impossible for me to obtain any information from the school and I should have had my loan automatically discharged and it was not, I enrolled in XXXX and was completely unaware I still had this loan or that it has defaulted. My entire federal tax refund was offset due to this and has caused me and my XXXX children EXTREME HARDSHIP, I am facing EVICTION and losing my car. I have applied for borrowers defense due to school closer and requested IMMEDIATE return of offset due to extreme hardship. After providing all forms and documentation requested of me I am being told it could take up to 65 days to maybe get my money back. The HUGE problem with this is that I WOULD HAVE ALREADY BEEN EVICTED. The loan service is terrible! they have lost documents I have sent directly to them and the reps seem to have no idea what they are doing, I get different information every time i have called. If it had not been for me calling daily I would have missed the deadlines given due to their negligence. IT IS VERY CLEAR THIS DEBT IS NOT ENFORCEABLE.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX has been submitting false information about one or two cooperative loan accounts depicting that I am late now 120 days. Both these accounts have been paid off in XXXX and XX/XX/XXXX in full. XXXX has a dispute that they believe I owe them money because they paid money to the cooperative that I factually informed them that I did not owe, and the money they paid them the payment states for hazard insurance in XXXX. I informed them in XX/XX/XXXX that I did not owe the cooperative any money, and XXXX stated in XX/XX/XXXX that they would not get ( see  attachment ) involved with any dispute between myself and the cooperative as the money alleged by the cooperative to be owing at the time was more than what was owed to XXXX. Furthermore one of the loans was paid off in XXXX ( see XXXX XXXX issued by XXXX -attachment ). Furthermore, I continued to pay both loans ( which is not clear which one if not both are on the credit report as one is depicted as current but still open and the other one is depicted as 120 days late with the same account number Account # XXXX ) The account with the XX/XX/XXXX open date is the one depicted as late ( Original Balance {$14000.00} with a Balance {$50000.00} ) however both should be closed. I never entered into an agreement to extend additional credit beyond the {$14000.00} owed on the original loan and XXXX has no right to extend such or charge such additional money to the account. I never received notification for what the {$50000.00} is for either. They further have changed my address to a XXXX address which is in fact the address of their attorneys XXXX XXXX further deteriorating my credit. Based upon information and belief it is also where they have been sending all my correspondence, as I have received no correspondence from them since XX/XX/XXXX. Furthermore all payments to both accounts were made monthly with one check and there can be no way that payments were not applied to both accounts simultaneously other than that XXXX has been splitting up my payments and giving them to XXXX XXXX bank which has no authority to receive or accept my payments. See attachments of checks negotiated by XXXX XXXX but sent to XXXX. I already checked with XXXX and they stated that XXXX XXXX is not the owner of the loan as they initially stated but rather that XXXX XXXX actually is pursuant to a service agreement ( which I never have seen )
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

Good day, I'm reaching out to have the following items changed on my credit report I kindly request the immediate change. 

Name : XXXX XXXX XXXX XXXX of birth : XX/XX/ Address : XXXX XXXX XXXX XXXX MI XXXX Employers : None Please remove all previous addresses ( i never lived there ) Remove all " Also Known as ''
Consumer complaint received 2019-03-27
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)

On XX/XX/XXXX, I logged on to my sons Bank of America account to pay is credit card bill. I am an authorized user on his checking and savings account. I noticed the amount due was larger than the month before. I went to check the credit card statement. I noticed there had been fraudulent activity on this account. There were charges beginning XX/XX/XXXX that were not his. He was the only authorized user on this credit card and he had been XXXX since XX/XX/XXXX. On XX/XX/XXXX, I called Bank of America to report the fraud. The gentleman I spoke with said since I was not an authorized user on the account all he could do was place a hold on the account. I explained that my son was XXXX and could not call about the fraud until he was released XX/XX/XXXX. The hold they placed on the account turned out to be only temporary. The charges went from being about {$200.00} to {$1900.00}. On XX/XX/XXXX, when my son was released from XXXX   he called Bank of America to report the fraudulent charges. He was transferred 5 times and eventually he gave me permission to speak with them. On XX/XX/XXXX, he received a letter from Bank of America stating they were investigating the fraud and temporarily removed the charges. He filled out the required paperwork and returned it immediately. On XX/XX/XXXX, he received a letter stating there was no fraud and they returned the charges of {$1900.00} back on his credit card. I again called to find out why they decided there was no fraud. The answer I received was that I paid on the account therefore there was no fraud. I explained I paid because the charges before XX/XX/XXXX were his and wanted to keep the account in good standings. I told them I could fax them proof he was in XXXX from XXXX. They then reopened the case again. After I faxed the proof I called Bank of America on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to make sure they received the fax. Bank of America said they could not tell me if they had the fax only that the are investigating the claim of fraud. On XXXX XXXX, He received a letter stating again that there was no fraud and to contact the credit reporting agencies saying he was disputing the charges. I called Bank of America to ask what was the reason they found for there to be no fraud, they stated he did not report it in time. I again explained he was in XXXX  and unable to call. Bank of America now opened the fraud claim for the third time. Most of the charges were for XXXX and XXXX eats. He has no XXXX account and I was unable to contact anyone at XXXX. Bank of America said they were also unable to contact XXXX. Bank of America refuses to help and wants my son to pay for charges he could never have made.
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc. (GA)

In XX/XX/XXXX, XX/XX/XXXX referred an outstanding balance of {$450.00} to XXXX XXXX XXXX. In XX/XX/XXXX I set up and initiated a monthly automated payment of {$52.00} to settle the debt. In XX/XX/XXXX, I received notice from my credit reporting agency that there was a negative collection reported on my credit on XX/XX/XXXX and realized that the last payment made to XXXX XXXX XXXX was on XX/XX/XXXX. There were two remaining payments to be made which would have brought my account to a XX/XX/XXXXbalance. I called XXXX XXXX XXXX to ascertain why payments were stopped. I was informed that XX/XX/XXXX " took the account back ''. Upon further inquiry with XXXX, they reported that because the account was still outstanding, they referred the account to Diversified Consultants to collect the remaining balance of {$100.00}, despite on-time monthly payments being made. I had no knowledge nor received any notice, written letter or otherwise, that the account had been transferred. Diversified Consultants reported that phone calls were made to my home number, however, no written notice was mailed. After paying in good faith to the settle my debt, this failure to report the acquisition of the new account prevented me from being able to clear up the account in a timely manner so as not to have it negatively reported to the credit bureau.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (NC)

On XXXX I came to the XXXX XXXX XXXX XXXX XXXX to see about getting my smile corrected. I filled out the application with the pay to the order of : XXXX XXXX XXXX XXXX and I signed my name along with my social security number to have procedure paid in full. I discovered on XXXX that XXXX XXXX XXXX conducted a soft pull on my credit report without my knowledge or consent. The date of the transaction was XXXX before I filled out the application which is odd to me. I spoke to a representative of clear choice on XXXX about this situation and he denied that this transaction even took place, He also stated that the only way that can happen is if I asked for funding which I did not. So I made sure I received a copy of the application before I left that day. I sent a letter asking for documentation of the authorization for this transaction that took place and no one has responded to me. I recently had an appointment on XXXX and I was asked about how I was going to pay for the procedure. I had to do an application for Care Credit and my application was denied without reason. Once I signed the application and stated pay to the order of : XXXX XXXX XXXX  XXXX XXXX, I was not supposed to be asked about more payment, especially {$35000.00} worth of payment.
Consumer complaint received 2023-11-15
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. (IL)

I am writing to dispute the validity of the account associated with my name that your agency is attempting to collect. I recently received a notice from XXXX XXXX, dated XX/XX/XXXX, XXXX dated XX/XX/XXXX. However, I want to emphasize that this account is not mine and has never belonged to me. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I request that you take immediate action to removed negative marks from my credit report. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
I expect a prompt response within 30 days of the receipt of this letter, confirming that the erroneous account has been closed and that any negative reporting related to this account has been removed from my credit reports.
Consumer complaint received 2023-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

I have not received a mortgage statement since XXXX of XXXX. 

When my mother passed away during XXXX, I became the administrator of her estate. Mr Cooper ( formerly Nationstar ) was notified of this and began interacting with me. At the beginning of XXXX, my mailing address changed. Mr Cooper was notified of this change both via phone and via mail. However, I have not received any statements since XX/XX/XXXX. 

I have attached a copy of the notice letter to this complaint. The copy is not signed, but the notice that I mailed to Mr Cooper is signed. 

I have tried calling, but Mr Cooper uses a malfunctioning voice recognition system that says partial words, stops, and acts as though the user has said something even though the user has said nothing. As a result, I am unable to reach a person and unable to communicate with them via phone.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2023 I was contacted by multiple unsolicited lenders after putting in information with XXXX XXXX to compare my loan rates that I had started with XXXX Mortgage. XXXX XXXXXXXX XXXX was one of those companies, represented by XXXX XXXX. He proceeded to ask me questions and I asked was this a recorded line as he stated. I asked if it was possible to run a soft inquiry to prevent from hurting my credit any further, as XXXXXXXX XXXX XXXXXXXX stated that they were able to. XXXX XXXX proceed by saying no they can not run a soft inquiry. At that time I requested that XXXX XXXX XXXX Do Not run my credit. Two days later I got an alert that XXXX XXXXXXXX XXXX  ran an unauthorized hard inquiry against my consent. I contacted XXXX to file a complaint online contesting the inquiry and attempted to contact XXXX online but wasnt successful in logging in or vice versa on XX/XX/2023. I contacted the company directly after receiving another call at XXXXXXXX XXXX from another representative from XXXX XXXXXXXX XXXX  soliciting information. I informed this representative XXXX XXXX who claimed to help provide answers but instead I received information in email regarding an unauthorized account that needed activation. I called XXXX XXXXXXXX XXXX directly to ask that they provide me a copy of my authorization to run my credit because it wasnt given. After listening to the customer service representative and not getting any answers or results in my request, who claimed to help me file my complaint with her company, prompted me to file an official complaint here.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (PA)

On XX/XX/, I diligently took the necessary steps to address the unjust reporting of an account by sending a prearbitration letter via certified mail to LVNV Funding / Resurgent Capital Services. Despite my earnest effort to rectify this matter promptly, I have regrettably received no response from them to date. This lack of communication is not only disconcerting but also significantly impacting my financial credibility. It is important to underscore that I have no association with the account in question, and, moreover, I was never apprised by XXXX XXXX Bank that they would be divulging my information to LVNV Funding or Resurgent Capital Services. Furthermore, the involvement of XXXX XXXX XXXX in the collection process on behalf of these entities compounds the complexity of the situation. The absence of a response and resolution exacerbates the adverse effects on my financial standing, and I seek a prompt and just resolution to rectify this matter.