davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello XX/XX/XXXX I FOUND OUT MY ASSITANT WENT BEHIND MY BACK XXXX SAID I WASNT APPROVED FOR EDD DURING COVID. SO I PUT IN FRAUD CLAIM WITH BANK OF AMERICA PREPAID EDD CLAIMS DEPARTMENT. Claim # XXXX I SENT Fraud department copy of POLICE REPORT, federal trade commission report, copy of XXXX  I was taking from my doctor on weekends, copy of my ID, COPY OF MY XXXX XXXX REPORT showing fraud accounts open in my name also Edd debit card was listed, copy of Edd identity paper work, also copy of email from assembly office of XXXX XXXX which XXXX XXXX XXXX the assymbler is still on the case trying to help me with appeal I emailed him to Edd office for appeal, bank of America told him someone would be calling me thru email he sent me nobody has from investigation department till this day. I put 6 claims in so far with numerous complaints filed from Coustmer service and supervisors who are not allowed to call or talk to investigation department just send emails. I tried calling corporate Bank Of America, and visted branch and manager stated we arent allowed to call that department we just identify Edd Coustmers identity here. Nobody you can call or complain about investigations nor fraud department for Bank of America Edd fraud claims department. There is no hope there I tried left messages Edd stated thats its on Bank of America end not theres. I called Edd fraud line numerous times left messages no help there. I didnt certify, didnt accept funds, my claim hadnt been updated to actual amount has of today I asked even numerous emails been sent to investigators in that department from Coustmer service and supervisors, no new note updates from investigation department, my claim is just sitting there being denied for different reasons. I tried calling and to report my issue since this happened in XX/XX/XXXX when I found out. No provisional credit was giving. No nothing. Coustmer service said were all being basically denied she wasnt supposed to tell me that another Coustmer service said will be written up. My 6 claim is pending since XX/XX/XXXX takes up to another 45 days. Im asking for someone to look into my case. I was told I have well over enough documentation my claim should been granted long time ago. Bank of America branch manager stated the claim should been updated to actual amount, and highlighted the fraud credit cards on transactions from XXXX XXXX report, if I was regular Bank Of America Coustmer not Edd he could helped me resolve my issue. I have all proff on my claim nobody can help me. Please help this is my money for year XXXX and XXXX not XXXX transactions thats still in my claim not been taking off has I asked numerous times and Coustmer service and supervisor also my claim hadnt been reviewed nor look into nor I received a call from Bank of America nor u can complain no nothing nobody in Bank of America can call them at Edd Bank of America fraud claim department.
Consumer complaint received 2023-04-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

We entered into a real estate contract and part of selling the property is obtaining any liens and or financial issues from Citizens mortgage company. 

On the following days XXXX XXXX XXXX  and myself called Citizens mortgage : XX/XX/XXXX, a few times in XXXX, XXXX ( my self ) on XXXX and XX/XX/XXXX ( both title company and I called ) Then we called on XXXX way. 

Each time I called I was made to feel like incompetent and it was done several times to be reminded of my late mortgage, as if I didnt know it already on the same call. 


I was told along with the title company that the information was faxed or would be faxed but we still havent received it. Many times the agency had conflicting responses about there policies and procedures when getting information to a client. 

Im disappointed because the entities lack of professionalism has cost me XXXX to XXXX. 
I was last promised the document would be sent to me on XXXX XX/XX/XXXX and today is XX/XX/XXXX and still no Payoff document. Which every day I am losing the opportunity money and etc. 
You may reach me and the title company anytime.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (MN)

Wells Fargo declares a cancellation after XXXX, but they continue to charge and offers a settlement offer for {XXXX, but never closed that account and continues to charge more fees. 

I request the removal of this account from my credit report since you are reporting incorrect information on my credit
Consumer complaint received 2024-03-22
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report :
Consumer complaint received 2018-10-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (ME)

I work as an RN for a non-profit and was under the impression that I would qualify for public service loan forgiveness. I went through the appropriate steps of consolidating my loans ( per Navient, formerly Sallie Mae ) and was guided towards a specific repayment option. It is now 6 years later and I am just finding out that the repayment option that I was guided to is INCORRECT and INELIGIBLE for the program, and that I essentially have 20 more years of repayment under my current option, NOT the 4 years I thought. I am now in the process of changing my repayment option but have to restart with 10 years of payments. 

I was guided by Navient ( Sallie Mae ) officials to Consolidate under Direct Loans, and then use Graduated Repayment, which per them, was an acceptable method of repayment for PSLF. I have been hearing about this problem in the media, so I did a little research to find that I also have been a victim of this misinformation. 

I believe I started repayment after consolidation around XXXX/XX/XX/2012, with $ XXXX consolidated under Direct Loans. I have not missed a payment and very responsible with my finances. This whole situation is sickening. I would have chosen a different payment method from Day 1 if I knew I wasn't eligible for Public Service Loan Forgiveness. I have been seeing a lot on the news about lawsuits against Navient for this exact reason, but it being held up by XXXX and XXXX. I do not know what I am supposed to do at this point. 

I know that there is Temporary Expanded Public Service Loan Forgiveness that is supposed to address this issue, but you can only apply to that if you have made 10 years of payments. I am only 6 years in to my payments, but what am I supposed to do moving forward? If I don't qualify for PSLF I want to chose a different payment method that accrues less interest, but I also don't want to switch my payment method and get penalized for it.
Consumer complaint received 2022-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

My name XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-22
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. (CA)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I believe FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Would you mind reviewing the documents? Several of the accounts listed appear to be incorrect, causing me some unease.
Consumer complaint received 2024-01-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (MI)

On Monday XX/XX/24 I received TWO letters via U.S, Post, from Discover regarding my recent application for their charge card. Both letters stated that since my credit reports were frozen that they could not gain access to my history and therefore could not issue me a card. I purposely unfroze my XXXX XXXX, XXXX and XXXX reports for the duration of time that it would take Discover to gain access to the reports. The credit bureau indicates that Discover did do a hard credit check of my credit history, my credit score is in the XXXX XXXX XXXX  but I only have one credit card and its with XXXX in good standing that I use and pay on time, and rarely leave a balance. Discover has dropped the ball again. They have lied and a check of my credit report will confirm it.
Consumer complaint received 2018-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (MD)

So on the early morning of XX/XX/18, i was awake whena depost came through that I had been waiting for that i really thought would show up at another bank. I immediately transferred the money to another account so that i could withdraw the cash Wednesday morning at the branch. I went into the branch on XX/XX/18 ; Wednesday and withdrew XXXX from this other account. While at the branch, i was never told that my account was overdrawn and when looking at the app i never saw a pending transaction, or a scheduled transaction. On the morning on XX/XX/18 i woke up to my account being overdrawn by XXXX and some change. I called navy to find out what happened and to get them to reverse the payment that was made to a checking line of credit. I was told that i set up an automatic transfer, which i never did, and that the payment would not be reversed. I spoke to at least 3 representatives that did not really know how to handle the call and then i was transferred to a manager who insisted on talking over me and saying that the only one who took money out of the account was me and not navy. Why would i be allowed to transfer, and withdraw money that is not available for me to do so, especially if the line of credit is frozen and would not cover any negative activity on it. This should have never happened. I would also like a time stamp of all transactions which i was told was not available. At the end of my conversation with the manager i did have a little bit of an attitude, but i was cordial and polite and told him all my info was up to date with the bank. O hung up not satisfied and the banker telling me that instead of owing money to line of credit i now owe the exact ammount to brong my account balance back down to XXXX. I would like them to show me that i have a signed contact ; which is a meeting of the minds with 2 signatres show navy took from their profits and that navy has been harmed in anyway. They have not, but i have.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I recently checked my credit report and saw several accounts reporting that I do not recognize and did not authorize. This false information has stopped me from being able to purchase a home, car, obtain credit, and create the life I am trying to provide for myself and my children. It is practically ruining my life.
Consumer complaint received 2023-04-24
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)

Im not using any third party for this matter. I represent myself by myself. 
I checked my credit report and noticed some inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. 
I have filed FTC report for this matter and included this report in a package. 
Please remove these fraud items from my report as soon as possible : 1.XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; 2. XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX ; 3. XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; 4. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX. XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX. XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. 
Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.
Consumer complaint received 2024-01-23
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc. (TX)

XX/XX/24 XXXX XXXX - Called my personal cell. 
XX/XX/24 XXXX XXXX - Called my place of work and harassed our receptionist into speaking with me. 
XX/XX/24 XXXX XXXX - Called my husband repeatedly.
Consumer complaint received 2023-01-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc. (TX)

I have been disputing this inaccurate account with Harvest Associates for sometime now. I sent them a letter on XX/XX/2022 and here is the tracking to prove it XXXX XXXX XXXX XXXX XXXX. I asked them to validate this account and provide sufficient documents and proof as to where this debt came from and all I received was a letter stating that they feel the account is verified with the balance they say I owe and the name of the creditor. This is not validation of debt and if they are not able to provide valid proof this account should be deleted from my report.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint against the credit bureaus for their failure to remove late payments from my credit report. I initiated a dispute more than 30 days ago regarding the presence of these late payments on my report, and to my dismay, the credit bureaus have not verified or taken appropriate action to address this issue. This inaction is a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ), specifically section 611 ( a ) ( 5 ) ( A ) and section 1666b.

The late payments on my credit report are inaccurate and have had a significantly negative impact on my creditworthiness. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that if a consumer disputes the completeness or accuracy of any information on their credit report, the credit bureaus must conduct a reasonable investigation to determine the validity of the disputed information. Additionally, section 1666b of the FCRA mandates that the credit bureaus must promptly remove inaccurate or unverifiable information from a consumer 's credit report. 

It is crucial for the credit bureaus to adhere to the Fair Credit Reporting Act ( FCRA ) and conduct a thorough investigation to verify the accuracy of the reported late payments. However, despite the ample time provided, they have failed to fulfill their obligation to verify each late payment. It is the responsibility of the credit bureaus to verify the accuracy of these late payments. 

Specifically, Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that if a consumer disputes the completeness or accuracy of any information on their credit report, the credit bureaus must conduct a reasonable investigation to determine the validity of the disputed information. By not verifying these late payments within the specified time frame, the credit bureaus have violated this provision and further harmed my creditworthiness.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2023-04-24
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. (CO)

I had paid off the loan 2 years early to XXXX XXXX. My final payment of {$5000.00} cash wire to them and looking now at my credit score 3 to 4 years later it says I owe XXXX XXXX money when I do not they have occurred nearly {$3000.00} of debt, When in fact I do not owe them a dollar I had pay them off and I have called them three or four times SENT EMAILS about this and they just hang up on me its very upsetting to see them hurt my score when I had paid a {$13000.00} loan off 3 years ago. Not to mention the car broke down it doesnt work the first year I bought it because of transmission problems they sold me a XXXX car and with A high loan RATE and then when paid off they accumulated close to {$3000.00} of debt. I HAD TO CALL 4 times for them to send my title a month Ofer not receiving it. Looks like EVERY employee there is very incompetent of doing a job
Consumer complaint received 2023-06-22
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. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (SD)

*THIS IS NOT A DUPLICATE- ADDITIONAL EVIDENCE ATTACHED* I can not believe I have to keep fighting this. GM states I am responsible for late fees and interest because I did not make payment from XXXX to XXXX. I paid the account in full on XX/XX/XXXX for all charges up to that date. There were only 4 charges after that. {$72.00} and {$15.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX and {$20.00} on XX/XX/XXXX. THESE WERE FRAUDULENT/UNAUTHORIZED charges. All 4 have been disputed and APPROVED by GM. I have attached the 4 approvals and the statements with the original charges. GM is stating that because I did not make payment on unauthorized charges, I am responsible for the late fees and interest that accrued on those unauthorized charges. How is that legal? All authorized charges were paid in full. The late fees and interest are on the 4 unauthorized charges. Once the disputed charges were investigated and REMOVED, shouldnt all subsequent fees and negative reporting be removed?