davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I attempted two times to open an account online and I was directed by email to take documentation to a branch office. I took the documentation and both times were ad used they could not assist in opening the account and could not give me any reason. I was given a number to call and they also were not helpful. The bank refuses to provide me the exact reason why they refuse to open a checking account in my name. I pulled my chexsystems report and there is nothing there that is negative and nothing on my credit report either. I have even taken off the credit alerts from 2 of the 3 major credit agencies. 1 of them is forcing me to submit the request by mail.
Consumer complaint received 2024-03-20
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. (CA)

I don't recognize these items ( INQUIRY 's ) on my Credit report & they should be looked at and Corrected or removed Indefinitely. 
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 2023-04-20
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. (FL)

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected 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 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XX/XX/2018 I got a copy of credit report and late charges were reported on a student loan that was in forbearance. I wrote the credit bureaus and also XXXX XXXX XXXX XXXX XXXX. As a result, not only was late charges removed but the entire account was closed XX/XX/2018. Suddenly, it appears on credit report again, this time saying that I am ninety ( 90 ) days late. There is something wrong. Who protects the consumer? My son who is in the Air-force send all the necessary papers for the forbearance and it was approved.
Consumer complaint received 2017-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (OR)

Nationstar recently completed the PMI removal process from my loan but is refusing to refund my PMI over payments in the amount of {$540.00} for the months of XXXX XXXX XXXX 2016. XXXX XXXX, 2016 is the day of record for my PMI request for removal. XX/XX/XXXX is the day I was transferred to Nationstar. Nationstar claims they 're only responsible for refunding the PMI I made to them. This is a clear violation of the Homeowners Protection Act. I have spent hours and hours trying to resolve the issue of PMI removal with the company. This particular incidence is different than recent complaint # XXXX which Nationstar claimed the issue had been resolved.
Nationstar claims they refunded my appraisal fee of {$450.00}. In my opinion, this is an attempt to further break the law. All I 'm asking for is my rights to be honored. Please cancel any {$450.00} appraisal fee " reimbursement '' ( wherever that money is floating ) and refund the over-payments in the amount of {$540.00}. That is the law and legal accounting is what I 'm asking for. Attached is the letter from XXXX XXXX where they 're attempting to address a different CFPB claim that they have no responsibility in refunding any PMI payments. This is a business issue between Nationstar and XXXX, as Nationstar initiated the purchase of my loan and it 's not my responsibility to deal with business related problems between these XXXX companies.
Consumer complaint received 2024-03-20
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. (IL)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-01-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC (NC)

XXXX XXXX attorney - spelled just how it is. 
i have received a email stating i have XXXX hours to take advantage of a settlement offer or other wise a FRAUDULENT CASE WILL BE FILED ON MY name .this company is threating a court case against me which i looked up and saw other complaints and also someone called the sheriff office to see it was real and was told it was a scam.
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (MD)

XX/XX/2018 -I called XXXX XXXX that was listed on my credit report to resolve my debt and have it removed from my credit. I obtained the account number and the total amount owed along with where to send the payment. 
A few months later I saw the debt still on my credit report but it was taken from my bank account electronically and delivered to Resurgent Capital which is whom I was told to make the payment to. I called back to XXXX XXXX  that was told that I needed to call my bank that it was my banks issue. My bank told me the funds were delivered and that there was no issue on my end. I continue to receive calls to collect this debt. I faxed proof from the bank account that this debt was paid from my account back in XX/XX/XXXX. A company called XXXX has now began calling me to collect on this debt that I already paid. They stated that Resurgent Capital still holds the debt and that they are making the calls on their behalf. I explained my situation and they were to look into the matter. I recently have gotten in the mail a package of old statements from the original creditor that says this is proof that this is your debt. I never disputed that it WAS my debt. My issue is that on XX/XX/2018 the payment to pay this debt was delivered in full. I called resurgent capital on XX/XX/18 and was told that the proof that I sent from my bank showing payment was illegible. No one ever called me back in XXXX when I sent this to tell me or try to resolve the matter. No one has tried helping me at all. I just continue to receive harassing and threatening phone calls that this will be sent to lawyers no matter how much I tell them it was paid and try and help them see the payment. I called back a second time to Resurgent Capital and spoke with a lady who stated her name was XXXX. I tried explaining the issue and she became VERY rude and told me to stop talking. She would not allow me to finish anything that I had to say. I am reaching out for help to this company and keep getting passed around, meanwhile this debt still sits negatively on my credit even though I paid this months ago with my own initiative. I don't know who else to reach out to or what else to do. I just need this matter resolved and I can't resolve something when every time I call I am being told this is an attempt to collect a debt and people are so rude and don't want to hear that I paid this but just tell me that I need to make a payment. I am at a loss on how to proceed with this matter.
Consumer complaint received 2023-02-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

To whom it may concern, The story is very long and complicated and we have already written before about our situation hoping that all would be resolved. 
In brief we received a COVID exemption on our mortgage during the COVID pandemic. We were given three different COVID relief packages and gratefully took them. Wells Fargo said we would add the back mortgage payments to the final payment at the end of our tenure as owners of the house. 
When the covid relief ended we requested a loan modification and were approved. We sent in the documentation requested, the final signatures and were told that they were being upgraded to the system and all was fine. After a strangely long time and our attempt to contact someone with knowledge at Wells Fargo without any success, we decided to just go ahead and pay our old mortgage payment and proceed until someone contacted Us. 
Much to our surprise, we were unable to pay the mortgage and wells said we had gone into foreclosure. 
Letters had been mailed but not received and we were totally dumbfounded. This was not only consistent with the covid relief statements but it was also double tracking as we were in the process of an approved loan modification. 
Again we spoke with great difficulty to someone at wells fargo and were told that a mistake had been made that the foreclosure was not happening to proceed with our loan modification and make mortgage payments. We promptly made a mortgage payment which was accepted and eagerly awaited news about the second time asking for the loan modification. 
Now we have received in the system a note that we have thirty days to do a shortsale. 
This is illegal but the stress and anxiety that it is causing me and my wife and daughters is extreme. 
This is not honest, professional or legal and we need help. 

Please advise.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Hello, Over the course of few months, I have disputed this debt with this company with this company sending the information back to XXXX  as verified. Both XXXX  and XXXX has successfully investigated this debt collection and successfully deleted it off of my credit profile.

I do not have a signed contract nor any contract with this company. I am not liable for collection from this debt. I am not responsible for this debt.

I have sent over a police report on several occasions along with supporting documents that this account don't belong to me.

Again, both XXXX  and XXXX  has stopped reporting this debt on my profile yet, this company is still verifying it with XXXX.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC. (WA)

I received a call at my place of employment XX/XX/2018 stating it was " an urgent matter '' I can not receive calls like this at work and my receptionist informed them of this. I received a call the following day XX/XX/2018, reception again informed them they can not call me here. I have had 1 call on my personal line so far as of XXXX on XX/XX/2018. I received 6 calls on my personal line XX/XX/2018 with no voicemails to call anyone back. This is inappropriate and I would like the calls to stop. I know someone who worked there for a short time and left because of the way they are instructed to harass people and talk to them as though they are garbage. I know they have violated the law by calling my employer a second time after being informed not to. I would like this formal complaint followed through and further action taken against this company. They pride themselves on being bullies, harassing behavior, and intimidation.
Consumer complaint received 2023-04-28
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: Experian Information Solutions Inc. (CA)

This collection below has already been cleared/paid for and needs to be removed from my credit report as soon as possible. Please see the clearance and payment receipt in the attachments. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) These inquiries are fraudulent and do not belong to me : XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me.

Account Name : XXXX XXXX XXXX XXXX Date of inquiry : XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XXXX
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (PA)

ON XX/XX/XXXX I ENTERED A CHASE BRANCH TO OPEN AN ACCOUNT SUPPLIED ALL THE PROPER INFORMATION TO PROCEED TO OPEN AN ACCOUNT WHEN I WAS TOLD THEY HAD TO TALK TO THE HIGHER UP UNBEKNOWN TO ME WHY BUT I SAID OK I MADE SEVERAL ATTEMPTS TO FIND OUT THE REASONING FOR THIS I SPOKE WITH SEVERAL REPS WHO GAVE ME THE RUN AROUND AND ON XX/XX/XXXX XXXX RECEIVED A LETTER STATING THEY WERE UNABLE TO VERIFY MY IDENTITY. I DONT INNERSTAND WHAT MORE INFO THEY NEED FROM ME IF THEY COULD CHECK MY SO CALLED CREDIT SCORE WITH XXXX THEN THEY HAD ALL THE INFO THEY NEEDED TO OPEN THE ACCOUNT AN ACCORDIND TO 12 US CODE SUBSECTION 412 THEY COULD HAVE USED MY APPLICATION TO FUND MY ACCOUNT SO IM NOT INNERSTANDING THE PROBLEM. THEY ARE IN DIRECT VIOLATION OF FEDERAL RESERVE ACT SECETION 16 .1THE BANKS ARE THE BORROWERS
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ; XX/XX/year> ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

I opened a bank account with Citizens Bank online on XX/XX/XXXX under a promotion to earn up to {$400.00} after certain requirements are met. First threshold was a direct deposit of {$500.00} within 60 days to get {$300.00}. Second threshold was to get {$2.00} for every debit transactions up to {$100.00}. I met both requirements but did not get the bonus. 

I contacted customer service via the phone 2 times and follow-up with chat messages. Via a phone call, a Citizens Bank agent claimed I was not qualified for the {$300.00} because the direct deposit came from a credit union. Via email, a Citizens Bank agent claimed I am not qualified to receive the {$100.00} because I must not be a primary signer on a previous Citizen Bank within 6 months and their record showed I have an account X months ago. The last time I have a Citizens Bank account was sometime in XXXX. Based on the bank account activities, I should be entitled to the {$400.00} bonus. 

Link to promotion : https : XXXX
Consumer complaint received 2018-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC. (LA)

ABR recovery placed a collection on my XXXX report over a year ago. I disputed that charge since it was an extremely old dead account which XXXX  said was uncollectable. It was taken off my report and thought that was the end of it.

On XX/XX/2018 they placed the same account back on my report as a new debt and refuse to take it off.

It is for {$1000.00} I am constantly receiving threatening/harassing phone calls.
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My mortgage was showing that I had a late payment in XXXX when I did not so I disputed the information with Experian. Experian has now updated the information removing the erroneous late payment but now they are showing the account as discharged in chapter XXXX bankruptcy. My mortgage account was never discharged in my chapter XXXX bankruptcy which was filed 9 years ago, the mortgage was reaffirmed and I am still in my house making timely mortgage payments every month. The mortgage servicer is XXXX.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (IN)

Credit card company switched to Ally Credit Services from Ollo credit. Worse thing to ever happen to me! Have been on the phone with Ally for MONTHS to fix this issue. When I log in online it states theres a security issue to fix and a phone number to call. I call the Ally number listed on the message to be disconnected EVERY SINGLE TIME. I dont know what to do because I cant pay this online or by the phone. I will have to get an attorney if this is not resolved. Worse criminal company ever!!!
Consumer complaint received 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (FL)

Credit reporting company has a negative credit item on my report that is causing me to be denied credit. I have had this item disputed for years but they refuse to address this dispute. The credit reporting companies are discriminatory and should not exist or be allowed to be used for this purpose. They have no accountability and only serve to harm consumers.
Consumer complaint received 2023-03-14
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. (NC)

I have spoken to XXXX XXXX XXXX on numerous occasions about not turning in correct information to the credit reporting companies. I have paid XXXX XXXX XXXX off and have a credit of about {$30.00}. They keep reporting that I have a balance of XXXX as of today XX/XX/23. My balance was paid 2 weeks ago. They reported to XXXX that my balance is only {$85.00}. I don't have 2 accounts with them, I only have 1, so they are attempting to keep my credit score at a minimum score by reporting one amount to 1 agency and another amount to the other company. Fraudulent reporting.