davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XXXX XXXX, 2014, XXXX XXXX XXXX put a hard hit on my credit report that was unauthorized. Mid to end of XXXX 2014 XXXX sent a request to the XXXX consumer reporting agencies to have the inquiry removed. Trans Union is still reporting this inquiry even though it was supposed to be removed. This inquiry is negatively impacting my credit score and I would like it removed, as it was supposed to be done over a year ago.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (MD)

The credit reporting bureaus are reporting my credit card accounts as fraud which is not the case. Therefore, my credit accounts are being closed in error. I contacted them about two months ago and I was supposed to hear back. To date, I have not received anything other than an affidavit for fraudulent transactions. It was not completed because this is not the case. All charges were authorized and made by me. Also, after updating my address, they keep sending correspondence to the old address which is where the above was mailed. I opened the account to establish and maintain a good credit history and because their incentives appealed to me. This account is valid and I 've made payments on it as agreed over a period of time, close to two ( 2 ) years. Now, that information is not reflected on my credit reports because it was deleted. I did not file a fraud complaint with any of my credit cards or the bureaus. However, I do have a fraud alert which requests to call my number to verify my identity before opening an account under my name. This was done initially when the account was opened and confirmed which is why the account was opened in the first place. I believe what may have prompted this was a change of address as I recently moved. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Fair Credit Reporting Act was established as Section Nine XXXX 9 ) of the 1970 Currency Act, otherwise known as Public Law 91-508, and subsequently amended many times. It was established to protect consumers as well as the commercial banking industry. It also establishes a playing field for full disclosure on the validation or verification of credit trade lines or items of public record. 
An item of public record being a judgment granted to a creditor against an individual, having the right of being on a credit bureau, that are part of credit reporting agencies ( CRA 'S ). These items have a right to stay on one 's credit report for XXXX XXXX 10 XXXX years from the date the judgment was granted. However, several changes have been accomplished recently based upon rules on re-aged debts. 
Bankruptcies have a right to be maintained on credit bureaus for ten XXXX 10 XXXX years, be it a Chapter XXXX or Chapter XXXX. 
I personally, as part of my right under the Fair Credit Reporting Act have a right to know where an item of public record originated from, such as a public record vendor. It must be presented to me who the public record vendor was, their contact information, and a person XXXX s ) responsible for the maintaining of any true copy original of an item posted against me on any credit bureau ; i.e., XXXX Trans Union respectively. 
Accordingly, I have submitted a request for full authenticity of a bankruptcy posted against my credit bureau, and that no disclosure has been submitted to me as to where this information originated from. 
I respectfully request that since the credit reporting agency in question has failed to live up to the high standards of the Fair Credit Reporting Act, that this bankruptcy listed be deleted permanently.
Consumer complaint received 2019-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello I have been a customer of bank of America for over 2 years and 5 months ago they closed all of my accounts plus 4 credit cards 2 personal and 2 buisness and said after months of them saying we get back to you as to why saying they need 45 to 60 days for the investigation which they were doing nothing never been late on any payments always had money in my checking accounts and finally when I went to the branch to get answers as to why the banker said because of my race that I am XXXX and that's discrimination and illegal in America and was told there is a lawsuit going on because of bank of America closing accounts because of race particularly being armenian which is horrible to experience that and would like it if you can help me resolve this issue thank you
Consumer complaint received 2015-12-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (TX)

On XXXX/XXXX/15 I received a letter from collection Agency to pay {$250.00} : CMRE Acct : XXXX The DEBT IS NOT MINE : I was billed wrongfully by Texas XXXX XXXX XXXX ( account # XXXX ) through the Agency " XXXX '' with account XXXX, last bill in amount {$250.00}. This bill was to be covered by XXXX XXXX, to whom they sent firstly the request, but on improper form, so did n't get paid. 

This bill is from my account # XXXX ( on XXXX form only, on XXXX account it is only the numeric part ) and should be paid by XXXX billing only, though despite of my repeated contact with Customer Service of Agency " XXXX '', the bill was n't sent properly to Texas Dept. XXXX XXXX. XXXX 'XXXX XXXX. I received XXXX such bills from " XXXX '' - their billing service : First bill from The Texas XXXX XXXX XXXX on XXXX/XXXX/15 = {$300.00} ( XXXX XXXX and XXXX ) ; Second bill on XXXX/XXXX/2015 for the same service had XXXX ( XXXX XXXX XXXX ; The XXXX bill statement is from XXXX/XXXX/15, for the same service ( XXXX ), but with a different amount {$250.00}, due to new service was added ( from XXXX/XXXX/15 ) and I paid immediately my duty : {$1.00}. On XXXX/XXXX/15, I called Texas Dept. XXXX., and I submit FAX with bills from XXXX to XXXX XXXX Customer Service XXXX Claim # XXXX, confirming that XXXX XXXX has to pay my bills. On XXXX/XXXX/15, they requested to Texas XXXX to submit the appropriate forms, though Texas XXXX never sent their new bill form till today ( XXXX/XXXX/2015 ), when I contacted again XXXX ( phone XXXX ) about paying my bills. The Customer Agent called today Texas XXXX and asked again to submit appropriate form for getting money for my bills ( today claim= # XXXX. They again promised to send it, so I will XXXX in 2 weeks, but can be too late for my credit score tarnishing.
Consumer complaint received 2016-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (OR)

Hi! I am a XXXX in Oregon representing the seller. Chase Bank denied a loan to whom appears to be a well qualified buyer, who is an American citizen, but works overseas ( this was the reason the lender 's loan originator gave to me. ) The parties have been in contract for over 3 weeks and Chase just denied the loan. This buyer paid for and received a copy of the appraisal, which came in without issues. However, since Chase denied the loan, the buyer and his realtor had to scramble to find a local lender. They did and asked Chase to transfer the appraisal which the buyer paid for up front. Chase will not assign the appraisal to the new lender. So, the buyer has to pay for a new appraisal and my seller has to agree to extend the contract another 4 weeks to make time for the new appraisal, processing and CD notification requirements and underwriting. This seems like discrimination and expensive and almost illegal. This buyer has the resources to pay for another appraisal. Many buyers do not. Please explain to me how Chase can get away with these policies. Can we get that appraisal assigned to the new lender? 
XXXX XXXX, Principal Broker, XXXX Out XXXX XXXX XXXX XXXXXXXXXXXX CHASE FILE # Reference Number : XXXX Borrower ( s ) : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, OR XXXX Again, this does n't add up. I asked the new lender if there were any red flags on the buyer, and he said absolutely not. I just feel like the laws were changed to protect the consumer, but it seems like we have more, and more issues like this cropping up. I just want to understand. Thanks for anything you can do to help. XXXX XXXX
Consumer complaint received 2015-08-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of Walla Walla (FL)

I keep receiving letters from the Collection Bureau of Walla Walla for a credit card debt that I did not create and I do not own it. I have filled an initial dispute with this collection agency. 

Therefore, because I am disputing this debt, it should not be reported to the credit reporting agencies.
Consumer complaint received 2016-02-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (IL)

I recently received a letter of a debt collection. The debt collection is from a company I never personally had a contract or business with. It must have been a identity theft that I 'm not aware. I will take the necessary steps with my local law if needed.
Consumer complaint received 2016-07-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CMRE Financial Services, Inc. (TX)

On XXXX XXXX, 2016 I reviewed my credit report from the XXXX Credit Bureau and noticed an account from CMRE Financial Services , Inc . This agency claims that I owe them {$280.00}. Therefore I sent a validation letter requesting specific information about the account they claim I owe them. On XXXX XXXX, 2016 I sent the letter requesting proof on the account they claim I owe them. On XXXX XXXX, 2016 they sent a letter stating that they looked into my dispute. The letter I sent on XXXX XXXX, 2016 was a validation letter requesting specific information regarding the collection account that CMRE Financial Services , Inc claims I owe them. It was not a dispute letter. CMRE has not provided sufficient evidence that this account belongs to me.
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX pulled a credit inquiry on me and I did n't apply for credit. I called and spoke with a representative and they said someone used my name and last XXXX of my S.S. number with a different address to try to obtain credit, They said the credit would therefore be denied and the credit inquiry would be removed from my credit report. It has never been removed and that was XX/XX/XXXX. The credit reporting agency told me to call XXXX and I did as they said but they did n't remove the inquiry as their representative said they would. This credit inquiry occurred on XX/XX/XXXX so they have had plenty of time to remove it. It is now reported on all XXXX credit bureaus and this is very upsetting. I do n't know what else to do at this point. Please help!!
Consumer complaint received 2016-07-17
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NM)

I joined XXXX to check my credit score. I have a delinquent/derogatory Bank of America credit card account listed. I 've never had a BOA credit card. The account was opened in XXXX, I was born in XXXX. It was closed in XXXX. How do I get this removed from my report?
Consumer complaint received 2015-06-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (CA)

On XXXX XXXX, 2011, I was arrested by XXXX XXXX XXXX District Attorney 's Bureau of Investigation. Before booking me at the XXXX at the XXXX, booking number XXXX, I was taken to the XXXX hospital to be check out. Why that was done I do not known? But since I was in handcuffs, I had no say so in the matter. All so, I would like to point out that at the time, I had my own Doctor. His name was XXXX XXXX XXXX located in XXXX, ca. Since 2011, I have tried to resolve this issue with CMRE Collections but to no avail.I have letters and information verifying everything I had said. In fact, I sent CMRE collections a letter showing that I was in police custody at the time.
Consumer complaint received 2016-08-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (OH)

I have already filed for chapter XXXX back in XX/XX/XXXX or XX/XX/XXXX. I have attempted on a multitude of levels to pay Navient appropriately, but they have violated my financial well-being. They have reported horribly on my credit report, even after receiving payments from my cosigners and/or myself. I have explained my financial hardship, yet they have done everything possible to destroy my livelihood. I no longer speak to my family members, who are cosigners because of Navient 's abusive tactics. They have stated they would report good standing on my credit report after receiving payments from me but, failed to honor. They have harassed my family and I with threatening phone calls, even to the point of threatening my life.
Consumer complaint received 2016-11-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (IL)

Look, I just got this letter today regarding a {$760.00} debt!!!!!!! I ai n't paying for it, cuz I did n't do it ... and that 's all there is to it!!!!! And I no longer reside at the XXXX Address either!!!
Consumer complaint received 2016-05-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

I would like to get my free annual credit report from Equifax , but can not get a copy of it. I have submitted a request via USPS mail, since requesting a credit report online from THIS credit reporting agency is IMPOSSIBLE TO DO!
Consumer complaint received 2015-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Bank is holding a refund of {$3800.00} due to me from a refund of private mortgage insurance. When I contacted Wells Fargo I was told the refund was credited to my escrow account, which at the time had a {$1.00} shortage. I have spoken with XXXX different supervisors and have submitted a complaint in writing. It is my understanding, by law, Wells Fargo has 45 days to process the private mortgage insurance refund. I received a letter dated XXXX XXXX, XX/XX/2015 informing me of the refund. As of XXXX XXXX, XX/XX/2015 I have not received anything, putting them well past the 45 day time period. I have also been informed that a bank can not withhold money due to a customer from a PMI refund and apply it to a different account.
Consumer complaint received 2016-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (OH)

My Nelnet loan was paid in full, to a XXXX balance, on XXXX/XXXX/16. Nelnet then withdrew another payment from my checking account on XXXX/XXXX/16, even though I had a XXXX balance showing on my online account 5 days prior. A phone rep said the withdrawal of extra funds past the XXXX balance was my fault, since I did n't cancel autopay. I asked where the policy of taking money from customers with a XXXX balance was on their website ; I have never heard of any company that auto debits customers with a XXXX balance. The rep said I will get a refund back 4 to 6 weeks ( with no interest for me of course ). Nelnet needs to stop the practice of taking money from people with a XXXX balance. A XXXX account balance should trigger a Stop Pay. And if Nelnet does over bill, they should refund any money they took in error immediately, not 4-6 weeks later. I requested written communication from them describing exactly how and when they intend to refund the money ; I 'm waiting to get a response.
Consumer complaint received 2015-11-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (MO)

I called Synchrony Bank today to pay my bill. After waiting ten minutes for the representative to find my XXXX account using my social security number, he told me he could not find it. I have already filled a complaint regarding this account after a {$240.00} payment was not applied to my account in XXXX 2015 and my account was sent to collections. I have already spent multiple hours over the last six months trying to locate my account in order to have my account updated and only when I finally filed a complaint here with the CFPB was anything done. At the end of XXXX, I received a correspondence from Synchrony Bank explaining what had happened. So, I called today to make my payment on my remaining balance even though I have yet to receive an updated bill and they could not help me. The representative asked for my social and said he could not find it. I was not even comfortable paying them in the first place since they lost my money the first time and then sent my account to collections despite their own error. I do not trust this company and this last interaction is only confirming what I already know - that they are incapable of treating customer fairly and doing their job. I am absolutely flabbergasted that this company can continue to take advantage of consumers with their disorganization and wrongdoing. Because of this XXXX account, my credit has continued to worsen as they took their time " finding '' my account. And now I am having to again XXXX them around to pay them, which again may harm my credit. This has to stop. I am sure that this company has had numerous complaints and it is not okay that I have to now spend many more hours of my life trying to pay something that should take 30 seconds. I want my debt gone from this company and to never have to deal with them again.
Consumer complaint received 2019-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I wasnt given correct information about my loan and fees and how payments will be I am having multiple Payments taken out of my account and not really sure what pays what. The login provides no clear info. I feel like the amount is higher every time I login even though Im making payments. In the beginning my credit was effected because I Wasnt informed of payments.
Consumer complaint received 2015-12-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I was trying to sign up for the community college around XXXX 2015 and my cousin dropped me and my other cousin off there. I accidentally left my bag in the car when she took us home and not realizing that I did until she had left. A few weeks later I needed my birth certificate and when I could n't find it I remembered that she took us to sign up for school. I asked her over and over again about my information and she tried to make it seem like she did n't know where it was at. So a few weeks after that she called and told me that she had my social security card and birth certificate and that she would take it to her mothers house. I went over to get my papers and my aunt said that her daughter never came over that day and my cousin was swearing up and down that she did. After that she stopped answering my phone calls so I went and filed a police report. I 'm just now figuring out that someone is using my information to open bank accounts in my name. I filed the police report in XXXX of 2015 but I 'm just now finding out about fraudulent behavior using my information. I was calling my debit card to check my account balance and I got lazy and did n't feel like typing in the whole card number so I just typed in my social and birthday but it said that I have multiple accounts using my information. I should only have XXXX account which is my checking account but it was saying that I have multiple accounts so I instantly knew that something was wrong. If you can please help me and contact me soon as possible I will greatly appreciate it. Thank you
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (NH)

I tried, in many different ways, to contact the credit reporting company and dispute the issue but was unsuccessful. They told me that the account in question was now in the hands of a collection agency so they could not talk to me. Apparently someone opened this GAP credit card account in my name, with an address at which never lived, an my personal information, and went on a shopping spree. I never knew about it ( because I never received any statements ) until I got the calls from the collection agency. They were so disruptive that I ended up paying the debt to the collection agency ( see attached ), as they would call at any time, forcing me to turn off the phone during classes, etc. 
Bottom line, I have never lived at this address:1625 XXXX XXXX XXXX , XXXX , VA , XXXXand I never opened a GAP/SYNCB credit card.
Consumer complaint received 2016-02-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have disputed the attached account with Equifax as not belonging to me. I have contacted the collector and the original creditor who are unable to provide me with any proof of the validity of this collection. Equifax supposedly verified information several times, but they are unable or unwilling to provide me with proof of method of verification for over 60 days. This is a fraudulent collection that Equifax refuses to remove from my report and also refuses to show me proof of verification.
Consumer complaint received 2020-08-29
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: National Credit Adjusters, LLC (TX)

I have a loan with XXXX ( Original Creditor : XXXX XXXX XXXX ), NCA ( Original Creditor : XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ), NCA ( Original Creditor : XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.