davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

on XX/XX/XXXX, i contacted XXXX XXXX. regarding there ability to not update XXXX  about the debt that is not belonging to me. I spoke to XXXX a Representative, then spoke to Supervisor by XXXX, in which she in formed me they had removed this debt and sent info to the credit reporting agencies. On XX/XX/XXXX i called back and spoke to a rep XXXX, and let her know i never received the letter in the mail, the letter they were supposed to send to me regarding the removal, XXXX on my credit reports. on XX/XX/XXXX i faxed over a copy of a police report # XXXX, regarding my identity theft, along with a letter requesting removal and a copy of my security card to XXXX at XXXX from XXXX XXXX at XXXX from fax # XXXX store tel. # XXXX Ser # XXXX. this is the conformation that the faxed had been received. This Creditor along with as follows : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. has not been properly removed or updated wtih XXXX or expirain but had been updated and removed as of XX/XX/XXXX with XXXX credit bureau. on XX/XX/XXXX i spoke to Deputy XXXX XXXX ( XXXX ) XXXX ext XXXX with the XXXX Ohio Sheriff Department whom was present when a call was placed on speaker with XXXX, in which the representative, XXXX stated they will remove from report and send letter to support actions.
Consumer complaint received 2023-11-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, I applied for a modification due to a financial hardship ; for two  decades I have been a XXXX  XXXX. Two years ago I suffered an approved XXXX XXXX, which has changed my ability to work and my finances. Bank of America approved a loan modification, and sent me documentation that stated the modification was {$1.00} ( XXXX dollar ) more than my current unmodified loan ( which I am current on, and have had for approximately 3 years ). XXXX dollar did not seem to be significant. I examined the details of Bank of Americas documentation for the modification ; they did not disclose the apr, the term, or if an escrow account ( for property tax and/ or insurance ) was included in their proposal. Next, I called Bank of America ( on a recorded phone call ) to illicit these necessary details from one of their loan officers or a supervisor. Bank of America refused to provide me with any of the aforementioned. The banking representative told me essentially, either you accept or you dont. I refused to accept because I did not know and was refused the terms of the modification ( for instance, the APR : it could be more or been variable, the term/ period in months was also unknown, and the modification could have included a balloon rider ). After refusing the modification, I immediately notified a HUD officer who assisted me with this process. The HUD officer was also, et with the same abruptness from B of A and purposeful lack of details. 

the next week I received an invoice in the mail from B of A. I was notified that my existing home loan now an an escrow balance in excess of {$1000.00}. ( This was puzzling to me because both my property tax and insurance were current, and both paid from Bank of America accounts ). I investigated the reason for the escrow, and found that because of the modification inquiry, B of A ( without my permission ) contacted my insurer ( XXXX XXXX ) and paid the remaining portion of the insurance premium ( from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  ). B of A did not send me any notification that they were going to do this nor did they have my permission. Furthermore, this action should not have occurred, especially because I DECLINED their proposed modification. Both actions by Bank of America are not okay. I also feel that bank of Americas acts here are indicia of lack of transparency, predatory lending practices, and are intimidating.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

While visiting XXXX XXXX in XX/XX/XXXX we billed all charges to our room, including all food and beverage, so we wouldn't have to carry a credit card as we visited all of the parks. At the end of our stay the total for those charges was billed to the credit card that I specified when we checked in, my Capital One Savor MasterCard. That card gives cash-back credit for various kinds of purchases. It gives 4 % on dining and entertainment but only 1 % on general purchases. Because our XXXX XXXX dining charges were billed to our room Capital One classified those as lodging and only gave 1 % cash back instead 4 % cash back. The 25 individual dining charges amounted to XXXX, so instead of earning {$24.00} we earned only {$6.00}. 

I called Capital One on XX/XX/XXXX and spoke to a customer service supervisor named XXXX to ask that they reclassify the dining part of the charges so we would accrue the higher percentage of cash back, since this is how they promote the Capital One Savor card. He said that the only way to correct this is to have XXXX refund and re-bill this to Capital One as dining. They know that XXXX will never do this. I offered to provide the billing details that XXXX emailed to me that clearly distinguishes the food purchases but they said that there is nothing they can do.
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

I getting the run around about correcting a ongoing balance. Capital one blames it XXXX and XXXX  blames it on capital one. It is holding me up from buying my home. Loan officer wont let me go further
Consumer complaint received 2018-12-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JPMORGAN CHASE & CO. (CA)

Received a call from rude person XX/XX/XXXX stating he was trying to serve me a summons. Informed him I was in Florida and would be back in office Monday if he'd like to serve it there. I am EASY to find - XXXX my name - my business address is everywhere. 

XX/XX/XXXX a XXXX XXXX from " XXXX XXXX XXXX '' called my cell phone, my office, my brother, his wife, my ex-wife and informed everyone I am being sued and they better tell him where I am. 

When I received the message he called, I called back immediately - I was transferred to " litigation '' where the person YELLED that I better pay my debt and he is suing me on behalf of Chase bank. 

The only information he provided was it was a credit card opened in XX/XX/XXXX, my last payment was in XX/XX/XXXX, and Chase charged off the debt in XX/XX/XXXX. I informed him California has a 4 year statute of limitations on collection, and would be happy to receive a summons to defend myself. He then began yelling that " you are being sued '' and " you just got served ''. 

I am an easy person to find, and there is no need for a debt collector to contact people and inform them I have an outstanding debt - he was very rude to them too. I have asked everyone to hold on to the voicemails.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-01-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank, Executive Office has ignored the evidence provided showing the property with XXXX XXXX XXXX XXXX transferred to Chase Bank due to  acquisition of Washington Mutual Bank which acquired XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I spoke with FDC Federal deposit insurance that oversees bank transfers. The agent who oversaw the Chase Bank acquisition of Washington Mutual Bank confirmed the acquisition. Agent confirmed FDC did not retain files from Washington Mutual Bank acquisition and verified the transfer to Chase Bank. Agent advised to dispute my large bank account assets transfer to Chase Bank with Chase Bank direly and submit a consumer complaint. 

1. XXXX XXXX XX/XX/XXXX XXXX was acquired by Washington Mutual bank which was acquired by Chase Bank. 

2. Executive Office of Chase Bank ignored my correspondence on XX/XX/XXXX with the facts below. 


A. Proof of ownership of XXXX XXXX XXXX XXXX, XXXX property of large bank account The attached XXXX XXXX XXXX  XXXX, XXXX tax form of XXXX shows interest income of {$1200.00} earned to the original deposit of a large bank account of {$20.00} opened in XX/XX/XXXXat XXXX XXXX XXXX XXXX, XXXX. 

B. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA was acquired by Washington Mutual Bank. Washington Mutual Bank failed in XX/XX/XXXX, and all accounts ( and website access ) are now handled by Chase Bank. 

C. State Controller Unclaimed Property office stated that the Savings account property was not transferred by bank to State Controller Property office. 

To determine whether the property is being held by a state government, I did a free search at XXXX, a Web site of the XXXX XXXX XXXX XXXX XXXX XXXX and spoke with three Administrators at the XXXX XXXX XXXX XXXX to confirm my search results. 

D. FDIC Federal Deposit Insurance Corporation that oversees bank transfers including Washington Mutual Bank 's acquisition did no retain files from Washington Mutual Bank 's acquisition by Chase Bank. The FDIC did not turn unclaimed property over to the state. 

E. FDIC Federal Deposit Insurance Corporation stated I needed to claim property from the business, Chase Bank.
Consumer complaint received 2023-11-14
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. (FL)

This information is totally bad for my credit. It is wrong information. It has to be deleted now. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

XXXX ( XXXX # XXXX  ) in XXXX AZ. Processed a debit transaction of XXXX on XX/XX/XXXX, I did not authorize this transaction, when I became aware of it I called Bank of America and told them I'm disputing the charge. After multiple calls and many days of waiting for the money to be returned to my account ( BOA initially told me 2 days at most ) I sternly requested they return my money while they investigate. Today XX/XX/XXXX Without correspondence they reversed the intial credit. I called them wanting to know why and they said XXXX is not cooperating other than explaining that a pin number was used during the transaction, ( leading them to assume I indeed made the purchase ) XXXX had a case regarding this # XXXX, they will not return my calls and the number I call to speak to them had me on hold for 48 minutes without ever actually connecting to a representative. Bank of America has placated the responsibility on XXXX and They can not be contacted through the numbers listed on their own website. I've never once visited that store location but both vendor and bank say I have and since decided- to steal from me instead of actually investigating the case of fraud.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my numerous 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 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 2018-12-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

I have been trying for almost 2 months to get information from my student loan servicer about the terms and conditions of my student loans. they have at various points said they would send it then didn't, said it doesn't exist, said they have it but can not send it to me, said they have it but are not obligated to share it. I would like a copy of the full terms and conditions of my loan agreement. I've never had an issue with any other lenders I worked with on any type of loan to get a copy of the full terms and conditions of a loan. I've never seen a contract that was enforceable with only one or two pages of a  multi-page contract but that is what XXXX keeps saying is the case. I am asking for what I have been asking for during this entire issue, a copy of the full terms and conditions of my loans.
Consumer complaint received 2019-01-02
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (OH)

XXXX XXXX calls and texts serval times a day. This company has the wrong number for the person they keep asking for. They are trying to use a 3rd person tactic. The person that is being requested we have no connection to. It's been going on for a month. The text number comes up as XXXX and phone number XXXX.
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (TX)

I AM A NATURAL PERSON, I AM A LIVING HUMAN BEING. I HAVE RIGHTS UNDER 15 USC 1681. XXXX AND EQUIFAX ARE GOVERN BY 15 USC 1681. AND THEY HAVE VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVED BECAUSE : ACCORDING TO 15 USC 1681 : I HAVE A RIGHT TO PRIVACY AND I DID NOT GIVE XXXX or EQUIFAX WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS LISTED : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-01-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX, Bank representative XXXX-XXXX-XXXX/cell XXXX XXXX XXXX  XXXX XXXX XXXX , FL XXXX XXXX Bank telephone number Business Savings Account XXXX was opened on XX/XX/XXXX with a {$15000.00} cash deposit to qualify for a {$200.00} new account rebate offered by Chase Bank of XXXX . 
The {$15000.00} was to remain in the account for 90 days and then I would be credited {$200.00}. 
Account not credited. I called XXXX XXXX in XXXX about the {$200.00} but was told the manager was sick and she would get back with me. 
Called XXXX XXXX on XX/XX/XXXX, was told she was busy and left a message with a man who answered the branch Chase telephone that he would send an email to her. I also called her private cell telephone number with no return call. 
On XX/XX/XXXX, I went into the Chase Bank and met with XXXX and gave her documentation regarding my account. I asked to speak with the manager and was told he was not well. 
I feel that Chase is avoiding paying the agreed amount of money for opening the new business savings account and will follow up with a complaint. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX  XXXX, FL XXXX-XXXX XXXX
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc. (IL)

I had settled an account with XXXX XXXX on XX/XX/2018 in the amount of {$100.00} for an outstanding balance with XXXX totaling {$260.00}. Had I known that this third party collection agency had no authority, other than to report weekly the information that my account is cleared with them, to remove this pestering collection away from my credit file. I had been transferred 5 times total, to be told to call XXXX and then to call XXXX XXXX again to finally become informed of that there is nothing else they are able to do. XXXX has its own collection policy that I was unaware of and to my understanding I should no longer owe another {$160.00} if the collection agency only settled for the {$100.00}. To add, I do not plan to EVER reinstate services with XXXX in neither the near nor far future.
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have always taken pride in my credit history and my credit scores. My scores have always been above XXXX. Yesterday I saw my TransUnion score had dropped XXXX points for no reason. My XXXX score is XXXX. I contacted TransUnion for an explanation and the rep told me its because Im not utilizing my available credit. I have no open loans and use only XXXX credit card. According to TU, I have not used my credit card in months. This is completely false. I use that card frequently and pay the balance regularly so I always have a XXXX balance. The rep told me the info they are getting from XXXX XXXX shows I havent used the card in months and I needed to contact them which I did. The XXXX  rep was completely bewildered by this. They have sent my info monthly to the XXXX agencies and showing my account is current, has a XXXX balance, and is in good standing. I have never missed a payment or been late on a payment for anything in my life. I contacted TransUnion again and went through the same process up front and ultimately the rep saying its because Im not using the card. I offered to send them copies of my statements for the past XXXX, XXXX, XXXX plus years showing I use the card frequently and pay the balance off monthly. They declined that offer. I asked them what federal agency I need to file a complaint with about this because the info theyre using to justify dropping my score XXXX points is completely false and its only with TransUnion this seems to be happening. Like I said earlier I pride myself on having excellent credit and an excellent credit history. It was very frustrating to me to feel like Im being punished for keeping my bills paid on time and never carrying over a monthly balance. I got absolutely nowhere with TransUnion and spoke with XXXX representatives asking them to fix their error. Thank you for any assistance you can provide.
Consumer complaint received 2023-11-09
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (NC)

Credence resource management is managing a debt that I owe to XXXX XXXXXXXX from XXXX. The debt already passed the statue of limitations in aged off of my credit report and fell off it was gone off my credit report for 3 months now they're trying to lie and bring the debt back by saying the account was open in XX/XX/XXXX I requested all the documents showing any proof that I had signed something or agreed to a new account that showed proof that it was open in XX/XX/XXXX they sent me the billing statements and every single one from XXXX XXXX XXXX from XXXX and XXXX so this account needs to be removed it's already past the statue of limitations and this is illegal they are lying. I have proof of the billing statements, etc. I personally have not had any contact with the debt collector because it will reset the time on the debt so I have been working with XXXX. Every dispute I have submitted has basically been ignored and just says they resolved it but still all the information is the same saying the account was open in XX/XX/XXXX and the collection is still on my report. This account was fraudulent to begin with. My mother opened an account in my name and I had no knowledge of it. The same thing happened with XXXX XXXX. The previous credit report before it aged off even showed the account was opened in XXXX. All of the billing statements do as well.
Consumer complaint received 2019-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: STERLING JEWELERS, INC. (FL)

Hello, There is a credit inquiry on my reports that I did not authorize. Evidently my credit was checked by Sterling without my consent or knowledge. I have an extended fraud alert on all three of my credit reports which specifically state that any company trying to check my credit must contact me first to verify that it is, in fact me, due to an identity theft. The inquiry was placed on my reports on XX/XX/XXXX. I wrote Sterling on XX/XX/XXXX and notified them that this inquiry was unauthorized, however, they have failed to remove this inquiry.