davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Over the past 18 months we have been victimized by identity theft. We reported the crime to the XXXX County Sheriff 's Department, XXXX. Our credit cards, which we have had with Bank of America without incident, have bee used to fraudulently charge XXXX of dollars. While most institutions have worked with us to remove these charges from our account, BofA refuses to remove XXXX from the XXXX, XXXX statement. 
I am a XXXX year old retiree and my wife suffers from XXXX. My wife is the principle cardholder, and been unable to use a computer for the past 3 years. As the frauds were occurring, BofA never notified us, even though we had never made charges in these amounts in 30 years. In fact the charges were well above our established credit limits. 
Our daughter XXXX is also a signatory to our account. When questioned XXXX freely admitted that she had shared the passcode with her fiance, and only her fiance. BofA is claiming that this makes us responsible. All of us, including the fiance, will agree to submit to a polygraph anywhere and anytime. Texas state law limits our liabiity to {$50.00} for credit card, and {$500.00} for cash withdraw. 

During initial conversations with BofA my daughter and I determined which charges were fraud, they agreed that the charges look fraudulent and would remove. In 30 years I had never been late on a payment, and with the understanding that the charges would be removed, I paid the bill in its entirety. At this age I wanted to be sure my credit remained spotless. 
Our community is outraged over the egregious manner we have been treated. In fact, through a neighbor, the local XXXX affiliate has inquired about doing a human interest story on our plight. 
Again in XXXX we were again victimized on our new BofA card for {$51000.00}. Again they never made a single phone call to us, in spite of our historically low charges and the problem we had in XXXX. 
I am a friend of XXXX and am helping him with this report. My name is XXXX XXXX, and I have know this couple for over 30 years, and know them to be above reproach.
Consumer complaint received 2021-04-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-07
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

My name is XXXX XXXX there is no third party involved. I am submitting this complaint on my behalf. I sent a letter about validation of debts, it's been more than 60 days after the fact and I have not gotten any response. Consumer reporting agency have not carried out their responsibility ordered under the law. I feel that they are exploited and being disregarded about my disputes. If they can provide me proof that the dispute items are my debt. It need to be deleted as soon as possible. Inability to follow these government guidelines by credit reporting agencies are researched by the Federal Trade Commission ( see 15 USC 41, et seq. ). Likewise, Section 611 ( a ), it is doubtlessly expressed that an inability to explore these things inside 30 days gives motivation to quickly removed those items from my credit report it has been more than 60 days so they ought to deleted promptly. I request these accounts be deleted promptly or I will petition for prosecution because of the pressure that you caused me.
Consumer complaint received 2023-08-17
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. (OR)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have called and reported all the companies showing up on my credit report. I have contacted them and tried to resolve the false fraud being reported to my credit report, effecting my score. These places have already violated my consumer rights and sold my information to 3rd Parties. Nothing has been resolved.
Consumer complaint received 2016-01-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Grant Mercantile Agency (CA)

Name : XXXX XXXX XXXX XXXX XXXX : Grant Mercantile Agency Account : XXXX XXXX XXXX XXXX XXXX, Grant Mercantile Agency has been sending me threatening letters and emails trying to collect a debt for XXXX XXXX XXXX XXXX that was Discharged in my Bankruptcy No. : XXXX. We have sent them numerous documents including XXXX XXXX XXXX XXXX Statement of Charges showing ( XXXX ) XXXX balances and XXXX due, stamped, dated and initialed by the XXXX XXXX XXXX XXXX supervisor. 

They were also given the phone numbers of XXXX XXXX XXXX XXXX patient records so that they could call to verify our documents but according to XXXX XXXX XXXX XXXX 's last contact ... GMA has never made any attempt to contact them in anyway. 

Further, on XX/XX/2016 GMA filed collection notices with all XXXX Credit Reporting agencies for the XXXX XXXX accounts and sent me a letter saying I had 30 days from XX/XX/2016 to pay them or they would take legal action against me.
Consumer complaint received 2016-10-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America have once again destroyed all home loan mortgage account modification, loss mitigation, and workout assistance related documents and documentation contained within the Bank of America created, maintained, managed, and supervised borrowers Home Loan Modification Status iportal, My Documents tab page. 
I have been unable to navigate to the My Documents tab page of the borrowers iportal since XXXX XXXX, XXXX to today, XXXX XXXX, XXXX. When I was finally able to gain access to the My Documents tab page, every document had been deleted from the list of uploaded and received documents. Even now, I continue to be unable to upload documents directly to the iportal. 
Bank of America continues to destroy my home loan mortgage account records without justification and explanation knowing that when Bank of America destroys evidence the burden of proof shifts to the destroyer of the evidence. 
Bank of America has been trying to create a record that supports their knowingly false position that I have not submitted a complete Request for Mortgage Assistance ( RMA ) application package since XXXX XXXX, XXXX. One of the ways Bank of America representatives thought to do this was through the intentional destruction of the record and documents uploaded to the borrowers iportal. 
I have noticed that the borrowers iportal is no longer supported with technical assistance by an independent third party. This strikes me as unusual, but not when put in the context of Bank of America and their representatives misconduct, mismanagement, and mishandling of the borrowers iportal including, but not limited to, the destruction of per, private, and financial documents, information, data, and records.
Consumer complaint received 2022-02-15
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 (WI)

On XX/XX/XXXX I made a purchase from XXXX XXXX for {$1200.00}. Due to supply chain issues, IXXXX did not receive the item so on XX/XX/XXXX they refunded my total amount. Both transactions were handled via XXXX using my XXXX card. Unfortunately at the time of the refund back to my credit card, XXXX was moving from XXXX to Barclay as their vendor. As a result, my refund has been sitting in limbo somewhere at XXXX. XXXX has provided me with the transaction details down to the time the refund was sent to Barclays from them. I've spoken to multiple supervisors at XXXX who have indicated that the money is there at Barclay and just needs to get transferred to them in order for it to show as a credit on my statement. Apparently this has been a bumpy transition from XXXX to Barclays however that is not my concern. They have been holding my {$1200.00} for FIVE months. This is unacceptable. I am not disputing anything with a merchant as they have refunded my money ; I simply have never been given the money from the credit card company. During these five months I have continued to pay my bill timely but this is getting ridiculous and I believe they should be paying me interest now.
Consumer complaint received 2016-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (CO)

this was solved and closed back in 2013 this was solved and paid for. this was already solved correctly. back in 2013 iphone 5 was stolen and old account was paid for fully was solved and closed.
Consumer complaint received 2021-04-07
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. (PA)

I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2017-03-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

XXXX sent a payment to Navient of {$120000.00} and they wo n't respond to e-mails or post to my account. I 've never been late on any payments. I believe they are holding to collect interest each day they do n't post.
Consumer complaint received 2015-06-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (VA)

The process of repeated calls during the day has begun again. After the last complaint Navient has agreed to significantly reduce the number of collection calls its agents place. As challenging as it is being unemployed for over 6 months, I have made payments. I am now about 20 days behind, again, and so far this week received XXXX calls, XXXX of these were today, the XXXX of XXXX and within XXXX hours of each. It appears the practices if harassment are part of Navient 's business doctrine. Harassment is perceived by the recipient. The principals are set forth in workplace XXXX and I see no difference. This is the XXXX time I have filed this complaint with CFPB.
Consumer complaint received 2023-08-17
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Consumer complaint received 2023-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX** Balance : {$16000.00}
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My complaint is with Bank Of America. My statement dated XXXX stated I owed a total balance of {$48.00}, which was due by XXXX/XXXX/XX/XX/XXXX I paid {$48.00} on XXXX/XXXXXX/XX/XXXX. On my next statement, which Bank Of America did not send me, they charged me a {$1.00} minimum interest charge even though my ending balance was {$0.00}. So when they actually did send me my statement dated XXXX, they charged my account another minimum interest charge of {$1.00}, a 100 % interest rate. Since I made a {$130.00} purchase on XXXX/XXXXXXXX, Bank Of America is saying that I owe {$130.00} + XXXX + XXXX + XXXX = {$130.00}! I called their customer service department to ask for an explanation and get the fees waived. They said interest is charged in arrears. I argued that I paid the entire balance off by the due date and that interest should not be charged. Also, they charged 100 % interest on an initial " hidden '' interest charge. I asked for the fees to be waived. They said they could not waive any charges because there is a past due amount. I argued that there is not any past due amount and that the only reason their erroneous accounting says there is is because they hide {$1.00} minimum interest fees. Also, they said that even if I paid the total amount due today that I would still owe another {$1.00} interest payment next month. I can not even close this account because of a balance owed and Bank Of America will not allow me to have a {$0.00} balance for 60 days!
Consumer complaint received 2021-01-11
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. (NV)

XX/XX/2020 I asked Experian Online, to remove an address - NEVER lived there. 

Experian said to call them. 

I called Experian and told them address was inaccurate. I NEVER lived there. 

Experian told me to call the Credit Card ( XXXX XXXX  ) that is reporting the address. 

XXXX XXXX  was called. They said they are NOT reporting that address. They never had that address on file. 

Experian is simply telling customers to call others and are not investigating issues themselves.
Consumer complaint received 2024-08-24
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. (OH)

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


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 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
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Experian Information Solutions Inc. (DC)

To whom it may concern : Experian. 

The late payment status on this account is invalid and inaccurate you must have maximum accuracy in reporting. 
Please delete if you fail to verify I demand you show supportive documents that your reporting is accurate and show that Ive been late this is a violation of your 15 USC 1666 b which violates my rights. 


XXXXXXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Last reported XX/XX/XXXX {$2000.00} Open balance {$1500.00} XXXX. Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX ( Finance XXXX XX/XX/XXXX XX/XX/XXXX Inquiry details XXXX, XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Account info Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$12000.00} Highest balance {$13000.00} Terms XXXX. XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : - Comments : - Contact Info : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Credit card XX/XX/XXXX Closed Account charged off. {$1700.00} written off. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XX/XX/XXXX {$1500.00} {$2000.00} {$2000.00} Individual Sincerely XXXX XXXX
Consumer complaint received 2016-11-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

Having continued economic hardship, ca n't repay loans. Student Assistance XXXX called me directly in XX/XX/XXXX stating they wanted to help, said I qualified for a 30 day forbearance which I accepted, then was assured I could resume payments of {$130.00} XX/XX/XXXX ( after I received a 401k Loan - yes took a loan from my 401k to resume payments ), without penalty, and any past due amount would be made current, and the loans would not go into default. Was assured the IBR was accepted at {$130.00}. Then I logged into Navient 's site and was advised the IBR rate doubled, and they could not honor Student Assistance 's agreement, due to my tax return for XX/XX/XXXX increasing by $ XXXX. I advised Navient that I can not afford anything over the {$130.00}, and understand I owe these loans, but need help by keeping the payment at {$130.00}. I asked them to work with me, as a divorced single mother raising a XXXX child on XXXX income with no child support. They suggested I reapply for an IBR which I did on XX/XX/XXXX submitting XXXX paystubs ( per their request ), I also made a payment of {$130.00} on XX/XX/XXXX ( as promised ), but today ( XXXX/XXXX/XXXX ) received a Notice of Delinquency ( {$390.00} past due ) and threat of Default. This is in complete contradiction of what Student Assistance told me ( recorded call ) in XXXX. I do n't know what to do besides default on the loan if Navient wo n't honor the {$130.00} IBR. XXXX. When I call Navient, I am on the phone for such a long time with someone who only reviews the general options for repayment and then tells me my payment would be nearly {$400.00} if I was n't even on an IBR. I can not reach a manager or anyone who will work with me on an individual basis as someone who WANTS to honor my obligation, but just ca n't make a monthly payment over the {$130.00}.
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Huntington Bank bought out XXXX. I had a checking account with XXXX XXXX. I attempted to access my account through Huntington, but could n't. When I called Huntington they said the account was closed, because I owed {$70.00} something to my XXXX XXXX account, which had been sent to collections. My very last communication with XXXX XXXX was an email saying my account was low, but not overdrafted. Huntington told me to contact XXXX XXXX ... which, of course, does n't exist any more. I have received no communication with either Huntington nor with any collections agents. Huntington 's staff was incredibly rude and unhelpful. I was hung up on twice, and they kept rerouting me to different departments. No one would give me an employee ID number, even when I asked. The names of the employees I did talk to was " XXXX '' XXXX she would not give me her last name ), and XXXX XXXX.
Consumer complaint received 2020-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (KY)

I recently applied for vehicle financing and was denied because of a Recent Repossession. I pulled my report and could see that Ally Financial reported my previously financed vehicle ( XXXX XXXX XXXX, VIN : XXXX ) as repossessed in XX/XX/XXXX. That is incorrect, I traded that Vehicle in on XX/XX/XXXX to XXXX XXXX in XXXX XXXX ( supporting documents attached ). At the time of the trade in, my account with Ally was in good standing, and the dealership paid the account in full. 
On XX/XX/XXXX I contacted Ally to make them aware of the discrepancy, and asked to review my account. I provided all information requested. A week later, I received a letter saying they would not open an investigation because of lack of account information. On XX/XX/XXXX I spend approximately 4.5 hours on the phone with various departments within Ally, and each one told me the same thing, I am unable to locate your old account, let me transfer you. 
This companys negligence has cost me money, time, and now the ability to finance a vehicle.