davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/20 my house was broken into. My door was completely destroyed. I called the police and made a report since I have cameras everything including the 2 guys is on video and has been given to the police. I noticed a sticker that had been left that said my property was determined vacant and if it's not vacant to call XXXX XXXX XXXX. I called them asking questions that they didn't want to answer but they did tell me they sent the 2 men out because Bank of America told them to. The 2 men apparently thought my property was vacant. When they broke in and found out it wasn't they reported that to XXXX XXXX. That's why when I called they said they knew it wasn't vacant. Just for the record Bank of America knew my property wasnt vacant. It doesnt even look vacant.
Consumer complaint received 2020-03-12
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. (IL)

I have sent in the appropriate documentation that supports proof that an account with XXXX  was fraudulently opened. I have used all appropriate channels and submitted all required documentation including the attached police report and FTC fraud affidavit and filed a dispute with Experian  ( XXXX  ). They concluded the dispute by not removing the fraudulent account. I am in dire need of financing related to the XXXX. I am asking that this account be removed from my credit report as it does not belong there.
Consumer complaint received 2020-03-12
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. (PA)

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX  XXXX  XXXX XXXX. XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX
Consumer complaint received 2020-03-12
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. (TX)

I Contacted All 3 Bureaus Multiple Times about these accounts especially about Department of Treasury thats showing opened from XX/XX/XXXX, that account is not mines whatsoever, I was born in XXXX submitted a dispute letter to the bureaus and its been over 30 days since hearing a response from them. Under the Fair Credit Reporting Act, the inaccurate items have to be deleted. Please resolve this matter at your earliest convenience. Thank you for both your time and help in this matter.
Consumer complaint received 2016-07-31
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I have a hard inquiry on my Transunion credit report from a company called XXXX XXXX XXXX. I have had no dealings with this lender nor have I authorized any inquiries on my behalf. This is a fraudulent inquiry.
Consumer complaint received 2020-03-12
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (ME)

I have recently bellied up in a business endeavor over the summer which is leading me to have to proceed in filing for bankrucy. Both business and personal. I have lost everything this summer and barely can stand on my own two feet right now.

My federal school loan collectors have called me as much as 27 times one day. I have spoken to them numerous times that I am unable to afford and pay my school loan debt at this particular time. Unfortunately, the harassment and calls have gotten even worse.

I have applied for FAFSA as I am reapplying for college to finish my degree. I am o the cusp of filing for bankruptcy and I need these people to please leave me alone til I can get back on my feet. 

I have spoken with an attorney that has advised me to record and collect the daily harrassment, as well as recording calls ( when I do answer ) and emails that deem in an almost threatening kind of manner. 

My credit has been absolutely destroyed by defaulting on my school loans. I feel taking a federal loan for the prospect in obtaining a degree was a burden that has completely destroyed the next decade ( 7 years ) of trying to get a mortgage, or even to attempt to get a car loan in the near future. Without any credit, except reoccurring defaults, I feel destroyed.
Consumer complaint received 2020-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Western Mercantile Agency, Inc (OR)

A debt occurred in my name only on XX/XX/XXXX. In XX/XX/XXXX my debts, including this one was discharged in Bankruptcy court in Oregon. in approx. XX/XX/XXXX I received a collection letter for the XX/XX/XXXX debt. I sent them a letter stating the debt was discharged. The Doctors office sent another collection letter, via a collection agency, to my wife who was not a patient of the doctor and was only listed as another person living in the household. She has never signed any agreement or been in the doctors office at all. 
We sent a letter telling the collection agency that the bill was not her 's. 
The collection agency sent a threat of legal action letter in response.
Consumer complaint received 2020-03-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

After trying for 2 months to settle a billing dispute with XXXX XXXX I was left with no option but to contact Capital One to charge back the amounts by phone on XX/XX/XXXX. On XX/XX/XXXX I again contacted Capital One by phone because I had not received any confirmation that that the chargebacks where initiated. After an hour they finally confirmed the chargebacks where filed but there was no assurance XXXX XXXX   would not be able to continue charging my account even though the card was cancelled. Then when I asked to completely close the account they told me if I closed my account they would not pursue the chargeback.
Consumer complaint received 2020-03-12
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. (GA)

There are two fraudulent accounts from XXXX XXXX XXXX  XXXX # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at Experian  they stated that XXXX XXXX XXXX XXXX unblocked the debt and Experian has no way of re-blocking the debt back. Which is odd because Experian  have the ability to unblock and block accounts. Per XXXX XXXX they are stating the accounts belong to me due to a fraudulent address and number that was provided to them by Experian  that the account belongs to me. 

The XXXX XXXX accounts are fraudulent. I have NEVER lived at XXXX XXXX XXXX XXXX nor have I had a phone number as XXXX. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore XXXX XXXX needs to please provide me with a copy of all the following : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt. 
A copy of your state license, including license number. 

If they can not validate these debts ; then these accounts will need to be removed.
Consumer complaint received 2020-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

Hello, I have been having an issue with getting a recount of my qualifying payments for PSLF through FedLoans. I was employed by XXXX XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX with no gaps in my employment and consistent on-time payments. 
Payments between XX/XX/XXXX and XX/XX/XXXX are not being counted towards my qualifying payment. Fedloans has counted that time period as a gap in my employment despite phone calls and emails trying to correct this. 

The issue is I was on XXXX  leave during that time period. I was given wrong information by the initial FedLoan employee I spoke to who told me to submit two different Employment Certification forms to exclude the time I was on XXXX leave. I listened and initially submitted two different forms, leaving a gap from XX/XX/XXXX-XX/XX/XXXX for my XXXX  leave even though I was still employed and making payments during that time. I later did my own research and spoke to a different FedLoan employee who said that my XXXX  leave counts towards my total qualifying payments because I was still employed and making payments. I resubmitted my corrected Employment certification form to FedLoan at least two times, both times they said they would correct the count. I just received a second recount that still does not count the payments made during my XXXX leave and shows a gap of employment which is incorrect. 

Additionally, I submitted my first employment certification form in XX/XX/XXXX. It then took 4 months for Fedloans to process and consolidate my loans. So, the payments I made during that time are not counted toward my payment count. The 4 month period for consolidation was not under my control, is there any way for these payments to be counted? 

Please help!
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Have filed a FTC report regarding accounts that were open without my knowledge : from Bank of America I have sent notices to the company and they refuse to block the unauthorized accounts. The company even sent me a letter with another relative name on it clear Identity theft.
Consumer complaint received 2015-06-10
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (IA)

I obtained this loan in 2000. The interest rate was to be a fixed, stated a fixed but jumped. Also, fees were included XXXX. The company after the condo was sold, started calling and making threats. I would like all my money back, every penny. I have many complaints to file because believe it or not they are somewhat related.
Consumer complaint received 2020-09-17
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Re : Notice of Default - Right to Cure dated XX/XX/2020 Please be advised this notice/action is being disputed. This serves as written notification to Select Portfolio Servicing, Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX None the previous correspondence has been sufficiently answered. SPS actions, are unwarranted, unwanted and continue to be erroneous and suspicious of fraudulent activity. 

As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of XXXX ( XXXX ) and Select Portfolio Servicing, Inc. ( SPSs ) continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of XXXX and SPS. Based on this information, as Fiduciary of the Estate of Demoin XXXX XXXX, I deny any and all claims by XXXX and/or SPS or affiliates and/or associates for any debts claimed by these untrustworthy entities. ( including but not limited to, XXXX, SPS, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached. 

1. Provide a full and detailed accounting of this alleged account. 
2. Provide any and all inspections conducted on misidentified property in the last 12 months with reason why they are being conducted.

3. Explain the legal description contained in alleged security instrument and explain how it differs from the property SPS continues to fraudulently inspect and erroneously pretend to service. SPS has been repeated told the legal description noted in the security instrument is not the legal description of XXXX XXXX XXXX XXXX. They refuse to research and provide legitimate response.
Consumer complaint received 2020-09-17
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I live in Virginia, USA and make a reservation online on XX/XX/19. I paid {$1500.00} ( US dollars ) for 2 Airline tickets at XXXX -a company based in NY, USA with my Bank of America Mastercard . I was surprised that My Bank of america credit card charged {$23.00} twice as FOREIGN TRANSACTION FEES. I called Bank of america, they said these fees are automatically from XXXX because is a foreign company. I called back XXXX, they said the company is based in USA, they charged in US DOLLARS a total of {$1500.00} ( which is correct ) and they dont charge foreign transaction fees. So, what Im asking is to cancel these charges from my credit card. I called Bank of america and they said they can not do it nothing about it. I dont think is fair because, I paid in US dollars here in USA for a company that is based here. Please help.
Consumer complaint received 2020-03-12
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: DISCOVER BANK (CA)

NUMEROUS TIMES I HAVE REACHED OUT TO XXXX  AND TO XXXX  IN REGARDS TO THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SENT THEM MY IDENTITY THEFT REPORT NUMEROUS TIMES, I HAVE SENT THEM NOTARISED DOCUMENTS, I DON'T UNDERSTAND WHAT IS THPINT OF ASKING FOR DOCUMENTS AND ANY CIVIL COURT REGULATIONS WHEN AT THE END OF THE DAY YOU ARE AT THE MERCY OF THE BUREAU AGENT, OR SOMEONE AT DISCOVER SITTING BEHIND THE DESK MAKING DECISIONS. THSI ACCOUNT IS FRAUDULENT IS NOT MINE AND SHOULD BE REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2020-03-12
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. (WI)

In XX/XX/2019 I received notice my score dropped due to a missed payment. I went into my XXXX  app to check what happened. I discovered a loan that is not mine from XXXX XXXX XXXX. I contacted the bank who basically told me I was being dishonest and the loan was mine. 
I filed an identity theft report and disputed the information. XXXX  just did the same thing the bank did and stated its my loan. 
I did not take out this loan and never received any money from this loan. This is not my loan and I believe I am the victim of identity theft.
Consumer complaint received 2020-03-12
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. (FL)

I just recently looked over my credit report and I detected some accounts that do not belong to me but are being reported on my credit file. I have no knowledge of any of these derogatory accounts. I also have no understanding of how someone or who would have access to my credit. Now because of this, there is no possibility of me obtaining any new credit. Please perform a re-investigation into this problem and have those derogatory accounts deleted from my credit file.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

BEING A VICTIM OF AN IDENTITY THEFT, I HAVE TRIED NUMEROUS TIMES TO REACH OUT TO DISCOVER AND ALSO TO THE CREDIT REPORTING BUREAUS, AND MY REQUESTS ARE BEING IGNORED TIME AFTER TIME. WHAT ELSE I CAN DO TO PROVE THAT I AM VICITM THAT THE CARD AND THE CHARGES ARE FRAUDULENT AND NOT MINE. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT. I NEVER USED THIS CARD AND NEVER REQUESTED THIS CARD. I NEED THE DISCOVER CARD TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY. XXXX  AND XXXX  NEEDS TO BE REMOVED IMMEDIATELY.
Consumer complaint received 2020-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been working tirelessly to fix my credit. There have been several collection accounts that were not and are not mine and I have found misinformation as much as accounts on my report that are different socials but my same name reporting inaccuracies. TransUnion has deleted 3 major COLLECTION accounts from my. Report that werent mine and Im grateful But they are DROPPING my credit score rather than rising it WTH? I had a collection drop off they gave me one point, today XX/XX/2020 I got alert 2 bad collections were removed and the DROPPED my score from XXXX to XXXX something is wrong and I want explanation and fixed!
Consumer complaint received 2020-09-14
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: Experian Information Solutions Inc. (NJ)

I recently sent letters over 60 days ago to these bureaus and they are disregarding regular consumer disputes. I've sent multiple letters that have gone unanswered causing immeasurable stress.
Consumer complaint received 2019-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mar Joe Enterprises (SC)

I called CBC to inquired about the debt owed. The representative informed me that I owed a debt of {$19.00} and that she didnt see a debt being owed for XXXX.. I paid the debt for {$19.00} which was total for {$24.00} since I paid it over the phone. The debt for {$180.00} is still being showed as owed on my credit report from this company..
Consumer complaint received 2020-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alabama XXXX XXXX when I contacted to the regions bank agent I filed a dispute which is unauthorized withdrawal on my bank account amount from {$10000.00}, {$82000.00} and {$2000.00} from IRS AND Long game transfer on XX/XX/XXXX and XX/XX/XXXX. the agent just requested me to enter the branch XX/XX/XXXX, XXXX in person they file dispute and claim form. up to 7 business days processed credit back XXXX account. it has never happened. I decided to call agent on the phone. it said deny claim. I was extremely upset and XXXX off. I felt like they didnt believe me. I did proofed show everything on my statements proof. build the boil the blood and build getting angry because of my bank account overdraft. they not help me nothing. thy didnt do anything to help me .I decided to file a complaint and sue regions bank I decide to sue regions bank amount {$200.00} XXXX deposit back on my bank, they better owe me. up to 5 days response me I want them paid for and sue regions bank {$200.00} XXXX. I felt like they have been discrimation me because I am XXXX XXXX.