davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a formal complaint about inaccurate information being reported on my credit report. Under law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - XXXX. - Account type- STUDENT LOAN. **I am disputing this account for inaccurate information. I had sent letters on XX/XX/XXXX, XX/XX/XXXX to XXXX, did not hear back from them on both occasions. XXXX, XXXX, AND TransUnion are reporting negatively on my Credit files and they all need to remove them immediately. XXXX XXXX information is fraudulent and inaacruate and that they need to remove XXXX IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX, XXXX, AND TransUnion or XXXX. As of XX/XX/XXXX, XXXX is still reporting negatively on my all three credit files. I want this deleted immediately from all 3 of my credit files Now. I am getting no answers. The last report date of the account was XX/XX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help
Consumer complaint received 2017-06-23
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: EQUIFAX, INC. (VA)

I am a XXXX woman who had a XXXX XXXX XXXX who was ruining my credit, I have disputed things in the pass from her stealing my identity and she is in custody as of X/XX/2017 ..Since then I have seen new inquirys pop up that I need removed, some of the same ones I just had removed I do n't understand. She finally been caught and I should not have this problem anymore please remove these inquirys this stress has made my hippa very severe please help.
Consumer complaint received 2017-08-03
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: TD BANK US HOLDING COMPANY (IL)

XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards and communication accounts ; these applications resulted in fraudulent inquiries that are now listed on his credit reports. After efforts were made to notify official each of the account providers of the fraudulent applications the account providers still list the fraudulent information on the credit reports despite the issue being related to identity theft. One of the bank already provided a clearance letter confirming the issue was fraudulent and confirming they would remove the data however the information is still being reported to the XXXX credit report ; this is a violation of FCRA.
Consumer complaint received 2017-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Enerson Law, LLC. (TX)

I did a title search for the home me and my husband own, my husband passed away in 2016. There is a lien on my home that belongs to my son. My son is a XXXX so he and my husband have the same name. The debt is for medical bills that were my sons in no way am I or my husband responsible for this debt. The lien was filed in XXXX County Volume 1329 page 686. I have contacted XXXX and they told me they can do nothing. I contacted the attorney that is handling this Emerson Law XXXX XXXX XXXX, XXXX, WI XXXX spoke with a XXXX who told me I would have to do an affidavit and my son would as well etc. My son is a XXXX XXXX and I do not know when I will see him I might not see him before I close on my home - and why should we do anything when they put the lien on in error they need to fix it. I do not want to get to closing and have problems or for this to delay my closing. This is not my debt, it is not my husbands debt and it needs to be removed at once!
Consumer complaint received 2024-08-06
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Consumer Complaint against Bank of America Complaint Summary : I am filing this complaint to request a re-evaluation of my denied fraud claim with Bank of America. I have been a long-standing and loyal customer, but recent fraudulent activity on my XXXX account has left me in a dire financial situation. Despite my efforts to resolve this through the proper channels, I have been denied any assistance from the bank, and I am now turning to the CFPB for help. 

Details of the Incident : Date of Incident : Multiple dates from XXXX through XX/XX/year> Account Involved : Bank of America Checking Account Merchant Involved : XXXX  Description of the Issue : In XX/XX/year>, I noticed a series of duplicate transactions on my Bank of America account, all associated with XXXX. These transactions continued throughout XXXX and XXXX, amounting to a significant financial loss. During this time, I was also locked out of my XXXX account and unable to access it. 

When I finally regained access, I discovered that my entire life savings had been drained. I believe I was the victim of a XXXX XXXX XXXX, which allowed unauthorized access to my XXXX  account. It is important to note that I did not authorize any of these transactions, and the duplicate charges are evident on my account. 

Despite the clear evidence of multiple identical transactions on the same day, my fraud claim was denied by Bank of America. I received no detailed explanation for this decision, leaving me to question the integrity of the bank 's XXXX XXXX policy. 

Impact on My Life : The loss of my life savings has had a devastating impact on my financial and emotional well-being. I trusted Bank of America to protect my assets, and their refusal to assist me has left me feeling abandoned and betrayed. 

Steps Taken to Resolve the Issue : Contacted XXXX  to report the unauthorized transactions and had any remaining accounts associated with my information deleted. 
Filed a fraud claim with Bank of America, which was denied without a satisfactory explanation. 
XXXX XXXX : I am requesting the CFPB 's assistance in ensuring that Bank of America re-evaluates my fraud claim. Given the circumstances and the evidence of duplicate transactions, I believe that my case deserves a thorough investigation and resolution in my favor. 

Desired Resolution : Re-evaluation and approval of my fraud claim. 
Reimbursement of the funds lost due to unauthorized transactions. 
A detailed explanation from Bank of America regarding the denial of my initial claim. 
Conclusion : I am seeking the CFPBs intervention to ensure that Bank of America upholds its commitment to protecting its customers from fraud. This situation has left me financially vulnerable, and I am in desperate need of assistance to recover my lost funds.
Consumer complaint received 2017-06-21
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. (GA)

I am filing this complaint because Equifax | XXXX XXXX | XXXX  has failed to remove unverified information off my credit report. I have provided documentation to prove that the information on my report is reporting incorrectly but the information keeps coming back verified. I provided a letter from a previous landlord as well as the eviction notice that was served after the property had been vacated to prove that the dates and accusations were false but the bureaus still continues to report this erroneous information. Also, there is a 3rd party collection agency claiming I owe them money for an account with XXXX. I contacted XXXX personally and they have no record of the account number or the social security number attached but this continues to report. I also had a creditor break the terms of the contract. The contract stated 1 weekly payment of {$29.00} but the creditor began taking 2 payments weekly without my authorization. Under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this matter as soon as possible.
Consumer complaint received 2017-06-22
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: Experian Information Solutions Inc. (CO)

Experian has been notified six times of the error regarding XXXX XXXX and the fact that they are reporting obsolete and outdated information. <P/>XXXX XXXX is an account that is more than 7 years old and it should be eliminated from the section of " accounts that may be considered negative. <P/>I just received a credit report today where they changed the status of this account to reflect the following statement : Account charged off {$1400.00}. Past due as of XXXX 2017. This was on report XXXX. <P/>They have now re-aged this account because prior to this new credit report the account status stated the following : This account is scheduled to continue on record until XXXX 2017. This was on report XXXX They can not arbitrarily changed the age of this account. They have made a serious error and I want this account removed. I sent them information from the original creditor showing the ledger of payments to prove that this account went into default by being past due in XX/XX/XXXX. I want this account removed immediately. <P/>AGAIN, EXPERIAN CAN NOT RE-AGE AN ACCOUNT. IT MUST BE DELETED. I WANT THIS ACCOUNT DELETED FROM MY CREDIT REPORT IMMEDIATELY!!!!!
Consumer complaint received 2017-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been a victim of Identity Theft since XX/XX/XXXX. I have since accrued numerous unauthorized inquiries ( mostly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have disputed the inquiries with TransUnion as well as the creditors ( XX/XX/XXXX-XX/XX/XXXX ), to no avail. I was advised to leave a Fraud Freeze on my credit report to ensure no more inquiries were accrued. Unauthorized inquiries continue to accrue and the credit bureau refuses to acknowledge or remove them. They are gravely impacting my credit score and I am begging for relief by them being removed. I am listing the unauthorized inquiries below. There are 15 total. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Consumer complaint received 2017-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (KS)

I applied for t he Chase  XXXX  cre dit card several months ago and met all the requirements for the bonus. I also added an authorized user, and according to the terms that same authorized user made at leas t 1 p urchase and I was supposed to get  XXXX   XXXX   XXXX  for this. I never receive these authorized user points. At first they told me I did not qualify for it and told me to add another authorized user. After they did actual research on this, they realized i did indeed have an authorized user and that he made  1 pur chase on the card and that I should be receiving the  XXXX   XXXX   XXXX  on my account by  XXXX / XXXX / 2017 . Its  XXXX / XXXX / 2017 , my statement posted and no  XXXX  points. This is super frustrating because I followed the terms completely and I am trying to book a trip this   XXXX   and I ca n't because they wont give me the  XXXX  points that I deserved according to the terms and conditions. They need to give me the  XXXX  points and figure out a way to make this up asap.
Consumer complaint received 2017-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (CA)

I have received numerous phone calls from sunrise credit services saying I owe XXXX XXXX XXXX XXXX XXXX XXXX when I tried to ask what the debt was for they said they could n't provide me with a detailed breakdown of whats owed. ( now they are saying it takes 30 days when I have repeated ask for this breakdown ) I tried to contact XXXX XXXX XXXX directly to get information but they too wont provide me with the final bill. I canceled my service with them. I turned in all equipment and if I owed that much money my services would have been cut off long before this debt reached XXXX. I was living in an apartment when I had these services and I believe this is not my debt. a mistake was made. either way why would I pay a debt for services I did n't receive or be harassed with phone calls and letters about a debt I simply do not owe. why if owed this debt does it not show on my credit report if this was from last XXXX. why would any reasonable person pay a debt or write a letter disputing debt if its simply not owed. I cant believe there are actually people who would write a company and talk about a debt they do n't owe. here is the account Information I received. creditior XXXX XXXX XXXX account XXXX another account listed is XXXX.
Consumer complaint received 2017-06-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (CA)

I took out a home loan in XX/XX/XXXX with XXXX XXXX which filed Chapter XXXX Bankruptcy. I spoke with the Trustee and they informed me that the loan had not been sold. I did a HAMP modification and the current Servicer has not given me the documents requested regarding the HAMP Program and signed modification agreement. As anyone can clearly see the payment history and loan balance do not make any sense, since I was current on all payments and therefore received payments from the Federal Government according to the HAMP guidelines, which Caliber Home Loans refuses to give me a copy of. They start their balance sheet on XX/XX/XXXX which was the first payment due with an unapplied funds account with {$100.00}, a Late Charge of {$780.00}, and Fee Balance of {$1000.00} which are absolutely incorrect and I have been paying on this since XX/XX/XXXX, plus interest and other late fees and costs, while I patiently waited for my " free '' HAMP loan modification. Once again I request that the Attorney General and the Consumer Financial Protection Bureau please audit this loan as soon as possible since I suspect fraud.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX, I opened an account with XXXX XXXX XXXX I paid off my Account with XXXX XXXX XXXX in XX/XX/XXXX. I waited two months before I first disputed my credit report. The collection has been cleared from both XXXX, and XXXX, but Equifax fails to remove the collection from my report, even though it states that the collection has been closed, due to account pay off, and the account balance is XXXX. I call XXXX XXXX XXXX to make sure they reported it to all of the credit bureaus and they stated that they told all of them. Equifax still will not remove the collection from my credit. I 've called them and never get an answer, I disputed the collection over 5 times and I just did it again. Please look into this for me.
Consumer complaint received 2017-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Recurring checking account deduction which have not been authorized since  XXXX  of {$21.00} being paid to   XXXX    XXXX . My wife and I have not authorised this type of transaction.
Consumer complaint received 2017-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE (NY)

I have made several attempts on XXXX/XXXX/2017 and XXXX/XXXX/2017 to contact this company because they are reporting negative information on all my credit reports about a debt that is not mine. They have failed to proved me with viable evidence of ownership of the debt they are claiming is mine.
Consumer complaint received 2017-06-21
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. (GA)

On XXXX XXXX I mailed in my police affidavit and FTC complaint to Equifax to remove fraudulent information on credit report. Instead of removing information they 've opened an investigation into said items and refused to block fraudulent information from reporting under the FCRA. I 've followed the protocols set fourth by the FCRA and EQUIFAX and they 're refusing to remove those items.
Consumer complaint received 2017-06-22
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: WELLS FARGO & COMPANY (CA)

I called Rewards Customer Service representative from Wells Fargo and she could n't help me redeeming all credit I earned during the time my card was opened. This card was closed due to Wells Fargo, they said my checking account was n't on good standing so they decided to close my credit card as well. I spent money on that card trying to earn rewards so I could redeem them to my account humbly and in accordance with their agreement. I did n't close my card, they did. They do n't want to reopen it for a few days, at least with any kind of restrictions, so I can redeem my cash back I earned with so much effort. They 're currently holding a reward for the amount of {$23.00} and around {$3.00} dollars on pending transactions they had been changing the redeemable date. I think I earned this money in accordance of their credit card agreement and I am legitimately in the right to claim this money. I want this money redeemed on my credit card because I deserved it for the hard work on earning it.
Consumer complaint received 2017-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

In XXXX XXXX an unauthorized person who i do not know accessed my account and wrote 37 electronic checks and stole a total of {$8500.00} from my account. All withdrawal was made on the same day. XXXX/XXXX/XXXX. I have never written an electronic check in my life. The signature does not match my own. The checks went to 3 different accounts, none of which I know. I submitted a complain to CITI BANK on XXXX XXXX XXXX. They responded with a letter on XXXX XXXX saying that while they do acknowledge it is fraud, they will not return any of the money to me as I filed the complaint more than 1 month after the incident took place. Attached is the letter.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC (CT)

I have a number of inquiries on my report from when I purchase my vehicle in XXXX XXXX 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX Ct XXXX! Is my ONLY address
Consumer complaint received 2017-06-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MD)

National Collegiate Trust ( NCT ) is the owner of one of my student loans ; they are a terrible company that offers no repayment options other than pay every month on time or we will ruin your credit. One day late is considered delinquent, and my minimum amount due has increased every other month for the last 3 years. I have attempted to make my monthly payments on time every month, and to pay more than the minimum monthly requirement to pay off the loan early, or at least attempt to. However, NCT has made it impossible for me to EVER pay off or reduce the principal of my loan. They have raised the interest rate on my private student loan 9 times betweenXX/XX/XXXX and XX/XX/XXXX, I have proof in notices. That is just this past year ; my monthly payment increases almost every time I send a payment in. Making it impossible to ever budget or correctly asses my monthly finances, I have no idea how much my expenses will increase month over month because of this payment.
I am currently paying just shy of {$200.00} per month for this loan, with the interest rate increasing and never decreasing, although American Education Services ( who services the loan ) informed me that the variable rate means it " could '' potentially decrease but they have never witnessed it. I am well aware that increasing the interest rate is only increasing the amount of money NCT is making off the loan, and they have absolutely no repayment options available other than to keep paying the loan until while starve to death, which at this point is a possibility. And one day late is considered delinquent, which negatively affects my credit report making it impossible to receive any sort of credit or financial assistance. I am stuck in a catch 22 of paying my payments on time every month in an attempt to retain some good credit, while they continue to increase my payment for no reason other than to make more money for National Collegiate Trust.
Consumer complaint received 2017-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Equifax credit reporting agency and   XXXX   XXXX   credit reporting agency is reporting an account on my reports that is incorrect. The account is  XXXX   XXXX   XXXX  this account was previously deleted off  XXXX  of my reports now is is reporting again. I spoke with corporate office with  XXXX   XXXX   XXXX  and it was agreed that it is to be removed equifax and   XXXX   XXXX   should not be reporting this account