davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (NJ)

I closed this account ( Apple Card ) directly with Goldman Sachs around XXXX due to having several issues regarding GS 's incorrect reporting of my SSN and poor customer service. Once they froze my account for illegitimate fraud without my consent, I decided to close the account for good as that was the final straw. In fact, Apple even gives me the option to apply for the card again which means that the account was closed ( see supporting screenshot. However, the account still shows up as open on my credit report, despite submitting a dispute with  XXXX XXXX already. I need this account off of all of my credit reports completely.
Consumer complaint received 2020-09-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Nelnet, Inc. (TX)

I have been paying for services from XXXX XXXX since Friday, XX/XX/XXXX of XXXX. I called today at XXXX as there was an overcharge on my account. Nobody answered so I left a voice message. Later at XXXX XXXX, I received a call back and was told that they " had to do a lot of digging '' to find out why. I pay {$10.00} a month for services and I was made aware through a phone call today that I have been getting charged an additional {$30.00} every month beginning on XX/XX/XXXX through XX/XX/XXXX with a total amount of {$800.00}, for not completing their PCI Questionnaire. My complaint is due to not properly being notified of the fee nor how to fix it. I never received this questionnaire, never got any type of phone call or even mailer regarding this. I was told that there were a few emails sent of which I assume may have gone into my spam folder if they in fact were sent, but I did not even know this questionnaire existed until today. I asked what my options were to the representative that told me of this fee over the phone and although he was very kind, he told me that I could email client services to cancel my account but that they will not be giving a refund. Took less than 5 minutes over the phone with me and didn't even try to give any kind of explanation or make things right. I sent an email to XXXX to try to get some kind of refund as I was not made aware of the extra fee or the necessary steps to cancel my account and XXXX XXXX, a client service specialist replied the following : " Hello, Thank you for the email the account has now been closed. 
Thank you! '' There was a complete lack of effort to give any kind of explanation or support for what happened both over the phone and through email. The total amount taken from every month for the past 25 months equals out to {$800.00}. If this questionnaire was so important as to charge triple the amount of what I pay for in monthly services, I would expect for someone to at least give me a phone call. This company showed they cared more about money than their loyal customers of years and completed avoided talking about the hidden fee. Never had anything negative to say until this point. So disappointed.
Consumer complaint received 2020-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (CA)

1. I am a XXXX XXXX vet with XXXX XXXX-connected XXXX XXXX. I care for my wife with XXXX XXXX XXXX XXXX. 
2. When XXXX hit, we were denied access to our medical problems and became mired in medical problems. Our tenant told us they lost their jobs and could not pay the rent. 
3. Our daughter-in-law requested Forbearance in writing on XX/XX/XXXX and XX/XX/2020, to start with theXX/XX/2020 payment. 
4. The bank started the Forbearance Plan in XXXX and reported the XXXX and XXXX payments as missed to the credit reporting agencies. 
5. When we asked for the Forbearance Plan to start in XXXX and to remove the report of missed payments, we were informed that we had not correctly followed the bank procedures. The Forbearance Plan would continue to start in XXXX and the missed payments would remain on our credit report.
Consumer complaint received 2018-01-16
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. (KS)

I was looking over my TransUnion and XXXX credit reports on XXXX XXXX when I realized that I had 2 hard inquiries on my TransUnion credit report. One of the hard inquiries that is on my credit report ( XXXX/XXXX Inquiry XX/XX/2017 ) should not be on there and I have no idea what it is in regards to or about. It was not me. I have enough negative things on my credit report and would like to have good credit one day. I am sending the company 's name and address below that has given my name a hard inquiry. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2020-09-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

2 weeks after I was laid off from a disgruntled employer on XX/XX/20, she called Bank of America & made a false fraud claim stating all reimbursement, tip & side job checks were stolen which then froze my account on XX/XX/20. 
After multiple calls lasting 2+ hours I finally got someone on the phone that informed me the situation & gave me a claim # & fax # to send my supporting documents which I did, however without any due diligence the claim was closed in the others favor when I called to inquire again on the phone for 2+ hours was told by even the fraud department supervisor that something was off because it was closed without anybody even going through the 150+ page fax so I was told I should open a new claim which I did, then once again I had faxed in supporting documents this time 175+ pages once again claim closed without anybody going through & even looking at fax sent for the second time so I contact the FDIC which forwarded my claim to this branch. 
I was informed my accounts were closed XX/XX/20 by not only tellers & bankers at the branch but over the phone as well. 
On XX/XX/20 a previous claim closed in my favor totaling {$410.00} & change was deposited into my " closed '' accounts along with my tax return of {$2700.00} that the bank excepted after my account was supposedly closed When I went in the branch to inquire nobody could give me an answer except they have 11 days after account close to accept deposits but the time frame was past Once the bank was contacted in regards to my claim a lady by the name of XXXX XXXX to confirm I made the claim & she instructed me to file yet another claim which i did on XX/XX/20 & spoke with a lady that was just as baffled as I was & notated my file a bunch then once again got the run around then when I called in last week XX/XX/20 I was fortunate to get the same lady I had spoke with in the beginning of the month whom informed me my account was closed without anybody even looking at any fax or notations pertaining to the claim that was fraudulently made out of retaliation. 
In the fine print from bank of America it states anybody that has any problems or questions regarding your account/ bank statements you have 30 days & in some cases 60 days yet bank of America went back 4 months Regardless the fact they initiated a claim past the  allotted stated time frame nobody did any kind of due diligence and compared other employees checks with the ones in question even to payroll but never happened. 
So in the last 4 months my accounts were wrongly frozen over {$10000.00} taken out & awarded to the disgruntled employer nobody actually doing their job & investigating Then my account was i guess oxidant closed as of XX/XX/20 & was told no matter how many claims I open they weren't going to reopen/ relinquish about it because they already made a decision ( without even looking at evidence in the first place ) I want my money back that the bank stole from me
Consumer complaint received 2020-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2020-09-03
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. (WA)

I have sent transunion numerous certified letters since XX/XX/2020 about inaccurate credit inquiries on my credit report. The most recent letter dating XX/XX/2020 was returned already by a letter by them stating that they could that my two forms of ID i sent them were unacceptable which is a stalling tactic once again by TransUnion. They were sent my Drivers License and Social security card which are two acceptable forms of ID with the certified letter that was mailed to them.

They have failed for the past 5 months to validate any of the disputed items on my credit report and they are still continuing to illegally report inaccurate info on my credit report. TransUnion has sent me no proof that I initiated any such inquiries, nor written authorization and have failed to provide any permissible purpose.
Consumer complaint received 2020-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-09-03
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. (FL)

I have asked Transunion to investigate the following inquiries, they haven't investigated and keep replying that they are inquiries and nothing can be done. They should be removed promptly. 

XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2020-09-02
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: Atlanticus Services Corporation (OR)

In XXXX of 2019 I ended up almost losing my life because I had a XXXX XXXX. I fell behind on my credit cards and two of which have no interest in helping me with the late reporting on my credit report. I provided documentation and there should be laws to protect the consumer if things out of control occurred. Two accounts were brought current and paid off. Before my XXXX XXXX I had stellar payment history. Fortiva account services is one of the businesses. I was paying for a piece of work out equipment which lead to my XXXX XXXX. It states in my medical record that I can not exercise. They refuse to help. XXXX XXXX I had a XXXX credit card with them. They claimed I dont meet criteria when I almost lost my life. This is extremely wrong
Consumer complaint received 2020-09-02
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. (MD)

I submitted a dispute to Experian, XXXX, and XXXX on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.
Consumer complaint received 2020-09-02
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. (CT)

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, XXXX XXXX {$750.00}. # 4.XXXX  XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX/XXXX  {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.
Consumer complaint received 2020-09-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

I am an authorized third party, representing borrowers XXXX XXXX, and XXXX XXXX, owners of XXXX XXXX XXXX XXXX XXXX Illinois. I am mediating a short sale, under the supervision of attorney XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX, on a XXXX XXXX insured, Mr. Cooper serviced mortgage. As part of my work advocating for the XXXX family, I made Mr. Cooper aware the property was in poor condition and for best valuation data, we were requesting an interior appraisal be performed to best ascertain property value. -- -- - Despite my request, Mr. Cooper and XXXX XXXX commissioned a BPO valuation on XX/XX/2020 in order to determine fair market value for the sale of the above referenced property. The Realtor has affirmed this was a mere `` drive by '' valuation. I was told by the Realtor, the drive-by occurred XX/XX/2020. I have made 7 requests for a copy of the valuation report : XX/XX/2020, XX/XX/2020, XX/XX/2020, ( XX/XX/2020 Mr. Cooper countered out buyers offer and asked for a response without supplying required value report ) XX/XX/2020, XX/XX/2020, XX/XX/2020 and lastly, in a formal escalation request to XXXX  on XX/XX/2020, I asked again. Mr. Cooper 's employees have either pushed the request to a different rep, claimed it was XXXX 's call to deliver it to me, and flat out refuse to state it was confidential to XXXX XXXX -- -- -- - I responded to the denial, and opened the XXXX  escalation case by providing a copy of the regulation to each entity - in particular ; BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1002 [ Docket No. CFPB-2012-0032 ] RIN 3170-AA26 Disclosure and Delivery Requirements for Copies of Appraisals and Other Written Valuations Under the Equal Credit Opportunity Act ( Regulation B ) -- -- -- - I pointed both Mr. Cooper and XXXX  's  employees to pages 2, 23-24 and 27, which specifically address the responsibility of servicer to give loss mitigation borrowers a copy of their valuation reports -- -- -- In a call from XXXX  on XX/XX/2020, a XXXX  employee called me to tell me they would inform Mr. Cooper to comply with regulation. To date, I still do not have a copy of the valuation report. I believe Mr. Cooper and XXXX XXXX are withholding the valuation report because they know it is a flawed report and to attempt to exhort more money from buyers at risk to the XXXX family of losing a true fair market value offer for their property.
Consumer complaint received 2020-09-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (AZ)

I reached out to experian, Agent XXXX " XXXX '', argued with me about my report not being over 7 years, and when I asked her to speak with her supervisor, she stated her supervisor was going to ask WHY I wanted to speak W/her, as it's Cleary Knowles why, she  stated I was going to be told the same thing, finally she puts me on HOLD, speaks with her SUPERVISOR, and come back to tell me ... SHE SPOKE WITH HER AND SHE SAID THERE WAS NOTHING SHE COULD DO. I asked for the supervisor name and OF COURSE she not " ALLOWED '' to give me her name, to come back and tell me to giver her my number and her supervisor will contact me. 
I fill this was a negative, unappropriate, unbusiness way of doing this and it NEEDS TO STOP, the managers and supervisors are there to take the customers call if they can't settle a problem through the CSR. Very XXXX and want something done about the LIES
Consumer complaint received 2018-08-30
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: ENOVA INTERNATIONAL, INC. (PA)

XXXX XXXX XXXX has 2 payday loans on my credit file with XXXX  as they stated in a letter there XXXX  now or the same company. I have not applied for no on line loan with CNU or any other on line company or any pay day loan. CNU On line holdings is no more than fraud. I have file an complaint with the US attorney office as the justice department on XXXX  & XXXX XXXX XXXX for and by I'm on OPT out and XXXX is using a another company to use deception with merges etc.
Consumer complaint received 2018-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018 I noticed that a large check from a holder of some other Chase account had been incorrectly posted to my checking account, causing my account to overdraw. I notified Chase that day that 1 ) there was a misposting, and 2 ) that there was a resulting overdraft fee, and that both needed to be corrected. The misposting was corrected promptly, with a deposit back into my account. The overdraft fee, however, remained until I reached out again many days later. 

When the insufficient fee refund was posted on XX/XX/XXXX, I was informed by Chase that I was being provided a " courtesy refund ''. I sent a secure correspondence to Chase clarifying that this was not a " courtesy refund '' but a correction of bank error. My interest was not semantic : I was not concerned what it was called or how it appeared on my online account read-out ; I wanted assurance that my bank record ( and by extension, my credit report ) did not reflect that I personally had overdrawn my account. 

Today, XX/XX/XXXX, I received a call from Chase informing me that despite the fact that there were TWO bank errors ( the initial misposting of the check, and the subsequent internal " mis-coding '' of the refund as a " courtesy '' ) the " system did not allow us '' to indicate in the bank records that I did not overdraw my account. When I asked what remedy existed for me, I was informed that unfortunately there was not one, but that I could " wait 12 months '' for the blight to clear from my record. 

All I seek is a statement from Chase that my official banking record does not indicate that I overdrew my account. It strains credulity that that their system " can not '' correct such errors. Rather, they just seem unwilling to be inconvenienced to do so.
Consumer complaint received 2018-08-30
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: SYNCHRONY FINANCIAL (PA)

I was notified on XX/XX/2018 from XXXX XXXX and my XXXX XXXX account through XXXX XXXX regarding a hard inquiry reported on my XXXX  credit report without my knowledge. I knew this was identity theft as I recently found out about another hard inquiry a few days prior with an account being opened without my consent/knowledge through another company. I am currently dealing with that case and have registered with the FTC as a victim of identity theft as well as submitted an FTC fraud report. In addition, I had also notified the 3 credit reporting agencies of my initial unauthorized hard inquiry from another company and on XX/XX/2018 placed a fraud alert for 90 days on my credit reports. I contacted XXXX  credit reporting agency immediately on XX/XX/2018 who advised me to contact Synchrony Bank with whom the credit inquiry was made to dispute the matter regarding removal. I spoke with the supervisor from customer service at Synchrony Bank who could not assist me further as they state they would need more details about the account otherwise there is no way they could trace the transaction that took place as they are lenders for revolving store credit accounts of numerous companies. I explained to them the only information reported on the credit report was SYNC-National Credit Cards/Airlines ( see section of report ). It was also told to me that most likely it is showing up like this because the initial application for a line of credit was denied therefore Synchrony Bank does not receive record of these transactions and thus they can not be tracked. I was again advised to contact my credit reporting agency to dispute the matter. Unfortunately, the credit reporting agency states it must be dealt with company and they would need a letter from them directing them to remove the unauthorized/fraudulent hard inquiries on my credit report.
Consumer complaint received 2020-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (CA)

I have a loan with Navy Fcu. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and Navy Fcu with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2020 )