davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX The above company is reporting a collection on my credit in error I do not owe this amount. My insurance company paid this.
Consumer complaint received 2019-11-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

Although I had two checking accounts and a savings account as well as being a customer of Bank of America for over 10years ; I was not notified in writing that my account was going to be closed or had been closed and sent to XXXX 
On XX/XX/XXXX, I spoke with the Bank of America Dispute Specialist CSR, XXXX, and she assisted me with putting stops on all of my autopayments coming out of my account and had also refunded me the NSF fees. I was instructed to send each company notices that I would need to stop all automatic drafts as well as letting them know the reason ; due to unemployment. 
The following month a few of the automatic drafts were still allowed to process for some strange reason. So I had to call and this time the CSR was not quite as helpful and sent me through a dispute process even though XXXX had noted my account. 
Moving on XXXX ; I did attempt to dispute the XXXX   issue at the branch on XXXX XXXX XXXX XXXX XXXX MO, but the banker could not retrieve any information about the account closure. 
XXXX ; I did recently dispute it through XXXX, and Bank of America sent documentation only pertaining to the overdrafts and 5months of statements. There were no letters or other correspondences included with the information showing where they had notified me of the closing of my account, or that I had disputed the autopayments. 
I have attached some of the creditors ' letters that I sent, and there should be a call record for the date of XX/XX/XXXX.
Consumer complaint received 2019-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2016-02-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NJ)

Midland Credit Management of XXXX XXXX, California, falsely claims that I owe it money. I do not. Furthermore, it falsely claims that at some point I owed XXXX {$280.00}. I have not and do not owe this money to XXXX. ( Please note that an address in XXXX XXXX appears on Midland 's demand letter, while a XXXX XXXX address appears on a payment envelope they sent to me. See copies of each herewith attached. )
Consumer complaint received 2015-11-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

Since XXXX the XXXX XXXX of XXXX XXXX ' has called my home phone number XXXX times. The robo call stated they are a debt collector and ask for a return call. During this time I have noted XXXX phone numbers. Today I returned their call, the first XXXX numbers are no longer working numbers and the newest one XXXX is a number that does not have a voice mail box set up yet. Due to these robo calsl I have to allow my answering machine to handle all incoming calls. This has the effect of denying me the unrestricted use of my home pone. My home phone number is on the 'Do Not Call ' registry.
Consumer complaint received 2016-11-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: State Collection Service, Inc. (FL)

I get a medical bills on my credit report who was already paid by my insurance still showing due and I start received some calls from collection agency about this debt who made some treated about this issue. I do n't have any knowledge about this issue and never received any last invoice from the office.
Consumer complaint received 2016-08-25
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Glasser and Glasser, PLC (VA)

Glasser and Glasser continue to contact my parents about an unsecured debt they are attempting to collect. They have on two occasions filed court paperwork to my parents address and on two occasions sent mail to my parents. They have my address, it has n't changed in nearly five years. I have informed Glasser and Glasser by email and fax of the proper address and asked for payment options to be sent and any other documents and they have yet to do so..
Consumer complaint received 2019-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I checked my credit score today on XX/XX/2019 and noticed my score had dropped from XXXX to XXXX as of XX/XX/2019 due to a derogatory public record that is unknown on my account. I spoke with XXXX, TransUnion, and ordered my annual credit report and still found no trace of what the derogatory record is. I received no help on the phone with either company pertaining to the manor, as they both said the same thing and transferred me to multiple individuals who also said the same thing. I also noticed that my TransUnion score is XXXX, so why is my FICO score XXXX? I have not filed for bankruptcy, foreclosure, or civil judgment of any kind. I have been paying my credit card on time each month as well as paying more than the minimum each time. I was never informed as to what is on my record so that I could fix it or if it is a mistake. I would like this matter to be taken care of as soon as possible, as the affect on my credit score is keeping me from getting approved for an apartment/ house.
Consumer complaint received 2015-11-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OH)

On XXXX/XXXX/2015 I went to use my debit card and it was shut off. I contacted Chase and they told me it was shut off because I was sent a new card in XXXX of this year. I had never received this card, so they said they would send me another card and I should receive it within 5 days. I was told that my old debit card would not be turned back on ; translation - I can not access my money until the card comes. I was able to get the old card turned back on for a few moments in order to empty my account so that I can have access to my money.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CO)

Equifax is reporting on my credit report under a account that is not mine : XXXX XXXX. On XXXX/XXXX/2016, I requested Equifax to validate this information with XXXX XXXX and provide me with copies of any documentation associated to this account, bearing my signature! ( see attached letter ) sent USPS Certified item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). I again sent another letter to Equifax USPS Certified Mail item number XXXX received on XXXX XXXX, 2016 at XXXX ( see attached ). Equifax has failed to provide ANY documentation bearing my signature! As per the Fair Credit Reporting Act section 623 ( a ) ( 3 ) Equifax had 30 days to complete this investigation! They have failed and have now violated federal law. ( see credit report dated XXXX XXXX, 2016 proving their violation attached ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I am sending one more letter dated today XXXX/XXXX/2016 with this complaint attached ( see attached )
Consumer complaint received 2016-01-30
Product: Credit card — 
Issue: Other — 
Company: Neuheisel Law Firm, P.C. (DE)

I filed a complaint against this company XX/XX/XXXX, consumerfinance is telling me that my complaint is run out of time. So I have filed another one on about XX/XX/XXXX. Now there telling me I ca n't file the same complaint. ( I want to know why ). I 'm just receiving this e-mail today XX/XX/XXXX.
Consumer complaint received 2019-11-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CO)

i was getting letters from mr. cooper ( my 1st mortgage holder ) for payoff amounts, & i wasn't making the requests. apparently there was one more that that they released to XXXX XXXX from XXXX/XXXX  for XXXX XXXX. my second mortgage was covered under bankruptcy by XXXX XXXX XXXX.until they were sold to XXXX XXXX. they didn't notify me until XX/XX/XXXX, 1 full month after the motion by XXXX/XXXX. they have required more money to be garnished from pay than i make per month. which means, i will not be able to make my monthly payments to the 1st mortgage, my hoa, my utility bill or my monthly living expenses. i will be XXXX   on XX/XX/XXXX, so i don't have any options that i can see. as far as i can see XXXX XXXX   should have been broken up in XXXX & it's board members should have been thrown in prison. in review, my identity was used, illegally to obtain the payoff from my 1st mortgage, i have 6 letters in my possession explaining how to get that info, i called them to tell them it wasn't me, and then asked them who was requesting it. of course they would not tell me. apparently they managed to get my info, because they raised my monthly garnishment, which goes into effect XX/XX/XXXX. any suggestions on how to save my home.
Consumer complaint received 2019-11-08
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. (OH)

I have an account from XXXX XXXX that is Fraudulent! I have requested that XXXX XXXX # XXXX, XXXX XXXX XXXX froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a CREDIT BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies. I have requested a credit block on all of my Credit information. This is my official Police report on file.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (TX)

I owe a HUGE outstanding amount on my student loans and somewhere along the way Navient stated that I was OVERAWARDED by my school at some point during my college years. However, my amount owed is still over {$260000.00} and I do n't understand how I got to that amount. In addition, I was giving forebearances even when I tried to make some type of payment arrangements and was told to use my forebearance and now I do n't have free time left to defer my payments that will be more than I can afford to pay. I also ca n't register for college because of the amounts listed with Navients as an XXXX.
Consumer complaint received 2019-11-08
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. (MI)

There is a credit inquiry from XXXX that is showing on my account from XXXX. This is not mine and I have already contacted both XXXX and Equifax. 

It also shows XXXX as my employer, which is not.
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TN)

I have almost completed my XXXX in XXXX in XXXX to find out that 1. ) I do not need a degree To work in the XXXX only a XXXX and XXXX, a certification. Which neither is included into anything that came from my student loans. 
and 2. ) That now that I basically will be having a degree that means nothing and student loans that I can not afford, my credits will not even transfer to a different college to get another degree. I had to stop working and everything to focus on school and actually ended up stop working just to rack up a huge bill for nothing. I have XXXX kids and this has taken not just from me but also them and their future.
Consumer complaint received 2016-05-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX, I opened a Bank of America checking account. In XXXX XXXX, while watching XXXX footage I decided to join the XXXX. After joining, I visited my local branch office in XXXX, XXXX and spoke to a representative. I provided them with my XXXX to show that I was XXXX XXXX XXXX and deploying. I requested and completed paperwork for my checking, savings, and credit cards to be converted to Military accounts. This conversion would have given me specific benefits that save me a lot of money while over seas and banking. Over the many years that have past, I continued using my bank of America products, such as my debit card. As a loyal member, I never second guessed the bank. I simply did n't have the time to check on my statements and was preoccupied with other important issues, within the Military. Worrying about my bank statements was the last thing on my mind. Recently, I was approved to come home ( USA ) and I settled in XXXX. After buying my home and getting married, I had the peace of mind to sit down and review years of financial statements. When I logged in to my bank of America accounts, I was stunned to learn that I did n't have access to more than several months of information. I began looking through the information I had available. I noticed there were so many fees. There were maintenance fees, International Transaction fees, ATM fees from over seas, overdraft protection fees, and it almost seemed as if there were fees for having too many fees. I called the bank and requested my account be closed, after 11 years of membership. I was told by the representative that my account had never been processed to reflect it was a Military account. This failure to complete that process, meant that I did n't receive the benefits of a Military account. The representative quickly reimbursed me for maintenance fees for this month only. I was informed that I should not have been subject to any fees, specifically maintenance fees of unknown amounts ( as the fee price has fluctuated over my tenure as a member ) and transaction fees, as well. Not to mention, she stated that ATM fees should have been waived too. She quickly transferred me to the Military Department. The new representative agreed that the Military accounts have specific benefits which civilian accounts do n't share. But, unlike the first representative he refused to tell me what those benefits might be. Instead, he asked me to wait a few days, while they reviewed the account to determine which benefits they will approve for me. I was appalled, as the benefits should be what they are, despite the current status of my account. I felt as though they wanted to review what their liability was and then pick and choose what they will reimburse me for. I asked that he explain the benefits and he continued to refuse.
Consumer complaint received 2019-11-11
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. (FL)

Please remove this account from credit report because that one never belong to me or any transactions made by me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2019-11-11
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: ALLY FINANCIAL INC. (MN)

On XX/XX/2018 I went to XXXX of XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX of XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.
Consumer complaint received 2019-11-11
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)

Please remove this account from credit report because that one never belong to me or any transactions made by me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2019-11-12
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. (CO)

Equifax is incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful.
Consumer complaint received 2019-11-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (NC)

My wife was contacted on XX/XX/XXXX by someone claiming to file a lawsuit for fraud on a debit I had in 2010. They advised her I needed to contact them before XXXX the same day. At XXXX hrs I contacted them to inquire about the debt. They stated they are collecting a debt for GE Capital for electronic services I received fraudulently in 2010 for a total of {$1100.00}. I asked for the account name and address an they advised they could not tell what address it was used at but transferred me to there lawyer that could better explain. The lawyer stated his name was XXXX XXXX. I asked what the debit was for an he stated it was for a GE discovery credit card for {$310.00}. But after interested and late fees I owed {$950.00}. I asked him who the card account holder was an he stated I needed to get one thing straight. He was not here to convince me I owed the debit an I could pay for it or would be sued. I advised him I needed to know what the debit was for if I was obligated to pay it. He then stated I could pay the debit or he would purse legal action an he was not there to explain it to me. I could either pay the debit or I can go to court. With his extremely aggressive attitude an unwillingness to explain the situation to me I advised him to continue with the legal process. He suddenly hung up.