davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

This company is reporting inaccurate late payments. Each credit bureaus has different months being reported which is inaccurate and needs to be removed as the FCRA law requires. 

XXXX XXXX XXXX is showing that XX/XX/2017 is OK but XXXX is reporting that is was late. However these late payments are an error. 

USAA SAVINGS BANK Is reporting 60 day late payments for 4 consecutive months in 2017 which is inaccurate. How is that possible? Please remove these inaccurate payments. 

XXXX Has yet to provide any signed documents that this account belongs to me. No itemized bill is acceptable, but an actual signature is required by law. 



XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$0.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 90 Days Past due amount {$0.00} Fraudulent Account : XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Status Late 90 Days Past due amount {$0.00} Fraudulent Account : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$120.00}
Consumer complaint received 2023-09-12
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: Self Financial Inc. (TX)

The address they have listed for account is a state office in XXXX I do not reside in XXXX they did not provide audit trail or debt validation and inaccuracies reported on consumer report
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

After pulling my credit report on XX/XX/XXXX I noticed a fraudulent account for XXXX that was issued by XXXX XXXX, XXXX. After contacting XXXX I was told the account had been sold to a debt collection agency, ERC. On XX/XX/XXXX ERC contacted my via mail for payment of this alleged debt in the amount of {$610.00}. Attached is a copy of my Federal Trade Commission Affidavit report listing the account was opened fraudulently. Ive also contacted my local police department to submit a report.
Consumer complaint received 2023-09-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zions Debt Holdings (OH)

Re_aged litigation debt reporting after a class action lawsuit with FTC about XXXX, using UNFAIR CREDIT REPORTING with THIRD PARTIES COLLECTION AGENCY/ AS BEING SOLD..no re- investigation attempts, despite all of my disputes..This is the 4th collection agency bouncing back and forth.
Consumer complaint received 2023-09-11
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: CITIBANK, N.A. (IL)

I purchased a table from XXXX XXXX XXXX and they dropped the table upon delivery in the doorway. A replacement table would have taken 4 months to get and I wasnt able to wait that long due to family coming over for the holidays. They refused to give me a refund so I disputed the charge and Citibank took 3 months to investigate and finally said I am liable for the charge
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have 2 credit cards with Bank of America, and I put both of them on AutoPay.

But, Autopay didn't work, so I got charged a late fee on both.

Also note that : 1 ) Bank of America recently rearranged the menu items in the payment center in a more confusing way ; 2 ) Certain buttons do not show up in XXXX at all, while they do show up in XXXX ; 3 ) Autopay has long had problems, substantiated all over the internet, e.g. 

XXXX XXXX XXXXXXXX 4 ) I know that I've put the cards on Autopay, or at least I've tried, but the Bank of America chatbot said I never did- that is upsetting.
Consumer complaint received 2023-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I received my trust fund funds from XXXX  on XX/XX/XXXX and deposited the funds into a new account with chase. They released the money on XX/XX/XXXX but on XX/XX/XXXX they froze my account with the XXXX In it. I went to the bank several times and gave them the XXXX  contact number of which they refused to utilize. They closed my account XX/XX/XXXX and stated they didn't have the money as it never cleared. I got confirmation from XXXX  that the check had indeed been cashed by chase bank. I took a copy of the proof to them on XX/XX/XXXX and they are now refusing to talk to me or the people at XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

There is a loan from XXXX for {$24000.00} that should be removed. XXXX sold me a faulty vehicle and I returned it. I no longer own that vehicle.The XXXX account needs to be removed.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have 2 credit cards with Bank of America, and I put both of them on AutoPay. But, Autopay didn't work, so I got charged a late fee on both. Also note that : 1 ) Bank of America recently rearranged the menu items in the payment center in a more confusing way ; 2 ) Certain buttons do not show up in XXXX at all, while they do show up in XXXX ; XXXX ) Autopay has long had problems, substantiated all over the internet, e.g. XXXX XXXX XXXX 4 ) I know that I've put the cards on Autopay, or at least I've tried, but the Bank of America XXXX said I never did- that is upsetting.
Consumer complaint received 2023-09-11
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: Freedom Mortgage Company (TX)

I recently obtained a copy of my consumer report and noticed that you have reported an account to all three major Consumer Reporting Agencies without my permission. This action appears to lack a permissible purpose, and I was not informed of my right to opt out of such reporting. Therefore, I am writing to exercise this right and request that you cease reporting this account.
Consumer complaint received 2023-09-11
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (FL)

I started my forbearance with Freedom Mortgage in XXXX after completing the program for a year I submitted a new package in the lost mitigation that's where everything goes south I had to constantly resubmit papers time after time.Once freedom Mortgage deemed the loss mitigation packet completed they only offered forbearance again for mortgage reduction trial period. I paid XXXX from XX/XX/2023 thru XX/XX/2023 a employee from freedom told me i would receive new terms by mail via XXXX, XX/XX/2023 I make another payment of XXXX i call freedom mortgage only to informed that the employee gave me incorrect information i had to submit another loss mitigation packet at the same time the filed foreclosure on my home i was served in my driveway and I constantly get harassing phone calls text and letters this has been a nightmare to say the least I'm a XXXX veteran i served this country with honor and dignity is this the thanks it get they tell lies to try to take your home my credit is destroyed by these people they've put in XXXX in debt with them i afford a pool for therapy that i badly need this is crazy they should be held accountable for their actions.
Consumer complaint received 2023-04-13
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: JPMORGAN CHASE & CO. (UT)

I disputed charges on a Chase business credit card directly to Chase back around XXXX. Chase removed as fraudulent a number of those charges, that were in fact unauthorized. I repaid the remaining balance understanding that the payment was in full and complete resolution of any balance owing on the card and that there would be no adverse affects to my credit. The card was closed out and no negative report showed up on my credit. Fast forward to XXXX, I applied for a credit card at a business - whose financial institution happened to be Chase- and I was denied. Not only was I denied, suddenly a credit report showed up that the earlier card had a charge-off amount the roughly equaled the amount that had been previously deemed fraudulent and waived. How convenient of Chase to wait years, and then suddenly break their agreement to me and slap my credit with a negative report.

I was lied to by Chase- they committed fraud to induce my agreement to pay off the credit card by representing that my credit would not be affected - and then hit my report 3 years later with a bogus report that they had charged off some amount, in violation of their explicit representation to me that they wouldnt if I paid the remaining balance. 

I disputed this with XXXX, but they havent done due diligence or conducted a thorough investigation and forced Chase to recant - even though they have clear record that the card reported didnt have any negative consequence on my credit UNTIL XXXX 

I tried to open a few disputes before, as I did just now, and less than a day later they close it. XXXX is damaging my ability to qualify for credit or loans elsewhere, by reporting the fraudulent reports that were sent by Chase YEARS AFTER A RESOLUTION HAD BEEN REACHED- but XXXX wont thoroughly investigate or even ask the simple question why is this being reported now, so many years later? This is reckless on the part of XXXX and fraud on the part of Chase. Please help! 

PS, they have all the phone calls recorded and I discarded my materials related to this card, including notes of my calls, after the resolution because I relied on Chases representations to me, and I was able to confirm those representations by seeing at least two years of no negative consequence on my XXXX report.
Consumer complaint received 2024-04-03
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: EQUIFAX, INC. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I joined BoA in XXXX of 2023. I received one SSXXXXI payment into my account and then switched to XXXX XXXX around XXXX. I kept the account open but made no transactions. I switched my SSXXXXI back to BoA in XXXX. I then waited until my payday of XXXX XXXX to withdraw my {$1000.00} only to be unable to in any manner. After many calls to customer service and going to two branches they tell me my account is on a " credits only '' status and this usually only happens with or concerning fraud on the account ( boa didnt tell me there was any fraud but after researching it myself this has to be the case ). Not once in over 5 attempts did they tell me how to release my account so I can access my funds. Nor did they inform me at all of any of this.information. I researched it all myself. In addition to that, they also lied to me stating, " Once the transaction posts we will close the account and send you a check with the remaining balance ''. Well, they are lying to my face because my check posted on XXXX XXXX and we are on the XXXX and they have made absolutely zero effort to actually help a homeless, XXXX man in XXXX XXXX actually live and get my money flowing.
Consumer complaint received 2023-09-11
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: AXOS FINANCIAL, INC. (MS)

These are all unauthorized unverified inquiries on my credit report XXXX XXXX, axios bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I would like for these to be removed immediately. Thank you. my phone number is XXXX XXXX XXXX email is XXXX. my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX.
Consumer complaint received 2022-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CT)

I have been unable to use my Comenity Capital Bank XXXX XXXX credit card in over a month. I have made numerous phone calls to get resolved only to be told I have to speak with the Security Department and left on hold for over 40 minutes at a time with no Representative ever picking up. I do not have an hour to sit on hold and wait for a non-existent representative. I am very frustrated, I have never missed a payment or made a late payment and I just want to be able to use my credit card. Please help me.
Consumer complaint received 2023-03-28
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. (GA)

I recently received an alert on my consumer report stating that I had a charged off account. This is an absolute error and is inaccurate. I paid this account off back in XXXX and have a clear title, now on XX/XX/XXXX you reported the account as charged off. For the past 5yrs this account has been reporting as paid and closed. How is it that on XXXX XXXX its now charged off when I have had the title since XXXX????? There is no way that this account can reporting on time paid closed and charged off at the same time after 5years. This is false, misleading and inaccurate. If you look at the history of this account it has ways reported as Paid as Agreed and closed so how did you come up with a charge-off status all of a sudden after its been closed for 5yrs. I
Consumer complaint received 2023-09-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company (FL)

Freedom mortgage contacted me on the first of XXXX to help me get an forebearance or loss mitigation relief! They said there are grants available but I checked & they said it's closed idk what else to do but I need help & relief! I also have a XXXX case manager so I am emailing them today too to see what kind of help I can get with them too because I need a lot of help!
Consumer complaint received 2023-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC (AR)

Absolute Recovery Service has reported to credit bureaus about a collection of {$1700.00} reported as past due. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. This company has not made contact with me. Ive never heard anything of this debt until it was placed on my credit report.
Consumer complaint received 2017-11-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (NJ)

XXXX from XXXX XXXX XXXX calls repeatedly about a Dental bill, that I keep telling him that the amount owed is correct. 
He refuses to document the file and send the claim back tot he dentist. He calls atleast six ( 6 ) times per day. 

I spoke with XXXX gian today and explained that the amount owed can not be correct and that I would like a statement of account to review. He told me that I needed to listen to him and do what he says or he will not resolve my account.
Consumer complaint received 2023-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Cashier's check from a local credit union in XXXX AZ was deposited on the evening of XXXX XXXX via ATM at Bank of America in XXXX, AZ. The bank sent a notification via email stating funds would be available for withdrawal on XXXX XXXX XXXX XXXX XXXX XXXX.  The funds were not made available and after contacting Bank of America they stated funds would be available on XXXX XXXX XXXX  I asked why the notification would state XXXX XXXX and they advised it was a mistake.  The item in question is a cashier's check.  Funds have not been made available and no other notifications have been received.  The bank will not honor theirfunds availability notification we received.  Federal regulations state that cashier's check money should be made available to the depositor.  Regulation CC (12 CFR 229) implements two lawsthe Expedited Funds Availability Act (EFA Act), which was enacted in XXXX XXXX  and became effective in XXXX XXXX, and the Check Clearing for the 21st Century Act (Check
21), which was enacted in XXXX XXXX and became effective on XXXX XXXXXXXX XXXX. The regulation sets forth the requirements that depository institutions make funds deposited into transaction accounts available according to specified time
schedules and that they disclose their funds
availability policies to their customers. It also
establishes rules designed to speed the collection
and return of unpaid checks and describes requirements that affect banks that create or receive substitute checks, including requirements related
to consumer disclosures and expedited recredit
procedures.
Regulation CC contains four subparts. The first
three implement the EFA Act, and the fourth
implements Check 21. Specifically,
 Subpart ADefines terms and provides for
administrative enforcement
 Subpart BSpecifies availability schedules, or
time frames within which banks must make funds
available for withdrawal; also includes rules
concerning exceptions to the schedules, disclosure of funds availability policies, and payment of interest.

After speaking to multiple supervisors (XXXX XXXX XXXX XXXX and a few others, and pending close to three hours on the phone, the bank representatives 3 of which are supervisors could not provide an explanation as to the delay of funds and said nothing more could be done.  The funds would be available on XXXX XXXX.  I asked to speak to their legal counsel or compliance department and they said they did not have a department available to them and we were done with the call.
Consumer complaint received 2023-06-27
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. (LA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Southern Management Systems Inc. (MA)

On XX/XX/XXXX I signed my lease and moved into my apartment. 15 years later XX/XX/XXXX, I gave my 30 day notice and informed them that my mother was XXXX and I need to take care of her. XXXX I received notice that I had a balance of {$1800.00} and that they tried reaching out to me. That was the first I heard, I called the collection agency and requested to dispute the matter. I was informed that it was not possible and unless balance was paid in full I would be sent to collection. In the 15 years I lived there rent was paid my place was always clean and never had any issues. I had heard in the past that the same thing had happened to previous tenants when they moved out. I wrote a letter and included all the photos of how I left the property and request if they could do a good will deletion. I am XXXX XXXX XXXX and now I can not rent a place because of this. My daughter suffered a XXXX and everything was placed on the back burner. 

Please help me Thank you