davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-12
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. (WA)

I was not notified of a balance or payment due. I was only made aware of the balance after my credit report showed a delinquent account. I received no communication from XXXX XXXX that the {$99.00} annual fee was due. This is a card that I do not use and had been told by XXXX XXXX, was closed. 

XX/XX/XXXX - Asked XXXX XXXX to close account. They said it was closed. 
XX/XX/XXXX - Credit Card destroyed and no longer used. 
XX/XX/XXXX - ANNUAL {$99.00} FEE charged XX/XX/XXXX - Notice from Credit Bureau of Delinquent Account. Credit score dropped 80 points XX/XX/XXXX - {$99.00} balance paid XX/XX/XXXX - Card Closed XX/XX/XXXX - Spoke with XXXX XXXX to remove remark. Refused XX/XX/XXXX - Spoke with XXXX XXXX to remove remark. Refused
Consumer complaint received 2024-02-03
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: FIRST NATIONAL BANK OF OMAHA (NJ)

The below hard inquiry showed up on my credit report on XX/XX/year>. I didn't apply for any credit from this company. 
FNB OMAHA Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

So bank of america closed out my account before they did i went into the bank to try to verify my identity to stop it from happening which they denied i see where they are already going through a lawsuit, i've recorded multiple conversations & even spoken with a lawyer as far as getting my law suit started!!! They are denying me to get my funds they closed my account out XX/XX/year> & is telling me to wait until XX/XX/year> to recieve my funds if that's even the correct date. i'm human we are all human i have bills they haven't even gave me a reason a good reason as to why they are holding my funds i've completed every step contacted multiple departments in the bank & even have in recording that the bank wasn't able to hold my funds for so long without reason. I've read up on multiple things recorded multiple conversations where i was told several different things if i don't get those refunds released out of that bank account i can't pay my bills i have a XXXX XXXX XXXX baby i need my money!!
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

Interest rate from inception has not reflected the rate cuts that have transpired since then. A 26.4 % apr is ridiculous in this rate environment. I've had the account for a long time and always paid my bill.
Consumer complaint received 2020-03-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (IL)

Called lender, Sallie mae, XX/XX/2019 asked for lower payments options because of XXXX. The representative stated she would email the paperwork and I never received. I called back 2 weeks later and was told the paperwork could be downloaded on website stated I needed to make payment before I could proceed so I made a payment. This scenario has continued for 2 months. At this point they are calling my elderly mother, harassing all my family members while I can't even reach them by phone, email or chat. 

I want a resolution that I asked for in my first attempt. They make no attempt to help me resolve my financial hardship. 
I'm not including my phone number because I will receive no help just endless harassing robocalls. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (OH)

Closed on my house XX/XX/20, mort.co paid duplicate taxes that title company paid for XXXX, forced to refund money to mortgage co until they received that payment back ( they rec 'd it back in my account XX/XX/20, title company ck cashed in tax dept ). Also mortgage company added on extra interest to XX/XX/20, when I was PROMISED the following by XXXX XXXX and XXXX XXXX the return IN FULL of all backdated interest, XX/XX/20 ( date they posted the payoff ) to XX/XX/20 ( date they added on interest to even after house paid off ), and IN FULL XXXX, that I refunded them and they got back. All I got back was XXXX, and they insist they owe me no more monies. 
THEY DO!!! I want the backdated interest and the promised taxes paid back in full ( XXXX ). They have NO right to keep interest paid after house closed and to keep the taxes I paid back to them and promised to be returned to me within 30 days IN FULL, again by XXXX XXXX and XXXX XXXX of Mr Cooper. The latest letter I got saying the title company can pay me back the taxes, HOWEVER, the title companies ck was cashed and received, Mr cooper payment was rejected and THEY HAVE IT.
Consumer complaint received 2022-12-29
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. (OH)

I have never received a bill from a leased car I turned into XXXX XXXX. They have no reported data since XXXX. I turned this car in and the balance was paid. I disputed the report through Experian and they put a current status on my credit Report showing " XXXX '' without my knowledge or contacting me. Report Number XXXX Date Generated XX/XX/XXXX On the response to the Dispute it shows " Paid, Closed '' on XX/XX/XXXX. 
I would like XXXX XXXX to give me details on what they are billing me for back to XXXX when they reported it was " Paid, Closed ''. Why have they not sent me a bill in the past? I would like this removed from my credit report due to inaccurate reporting.
Consumer complaint received 2020-03-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

On XX/XX/2020 I mailed a Notice of Error letter to Specialized Loan Servicing ( SLS ), pertaining to my annual mortgage escrow statement which SLS was over charging my about {$50.00} a month. The escrow annalist I received from showed that I had a overpayment of {$2.00}. I would like SLS to show me how they Calculated a {$2.00} overpayment when SLS was over charging me every month. Today date is XX/XX/2020 and I have yet to get a response from SLS analogizing my Notice Of Error Letter. I understand upon receipt of that letter SLS has 5 business days to respond to that said letter. Thank You
Consumer complaint received 2020-04-05
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. (AR)

It has been more than 30 days since my initial dispute and since I've submitted my identity theft report to Transunion Consumer Reporting Agency. Transunion has failed to adhere to the Fair Credit Reporting Act by reporting fraudulent related accounts due to identity theft to my credit file. In addition Transunion was was notified via mail and internet with an identity theft report which included two fraudulent accounts XXXX XXXX  XXXX and XXXX XXXX  XXXX. Transunion also was notified of several fraudulent related inquiries XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. This fraudulent accounts and inquiries currently are reporting on my credit file which is unacceptable an in violation since Transunion has received all necessary documentation on my be half and has failed to provided 100 % accurate verification as per the Fair Credit Reporting Act. It is obvious my identity has been compromised and these accounts are having significant negative impact including denial of credit.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

As of XX/XX/2024, Experian has removed my ability to access my credit report via phone or via email. Their online and phone system is not allowing communication, password resets have been halted, and Experian account is not accessible.
Consumer complaint received 2020-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

( Related to FTC # XXXX where Chase blocked COMPLAINTANTs access to XXXX XXXX  and XXXX XXXX & FTC # XXXX where Chase employees kept going further and changing the way in which COMPLAINANTs account is unlocked & XXXX-XXXX-XXXX  # XXXX # XXXX on XXXX, XXXX on XX/XX/XXXX & FTC # XXXX on XXXX ). On XXXX around XXXX XXXX  at " XXXX - XXXX  '' gas pump # 1 failed to process Chase Credit Card until COMPLAINTANT started recording the footage as he went to gas pump # 3. There seems to no wrongdoing perpetrated by the employees at the premise. COMPLAINTANT has let the employee know that XXXX XXXX backend system and Chase could be at fault for causing this issue. Only second attempt was met with notification from Chase out of 2 attempts. At a different merchant, Chase has failed to successfully process payment from " XXXX XXXX  - XXXX XXXX, CA. '' Chase denies any wrongdoing and directs fault at XXXX XXXX  for sending wrong billing zipcode/address to Chase to be processed, despite successfully having been added beforehand with correct information. COMPLAINTANT notes that a different merchant has processed payment from XXXX XXXX  XXXX around XXXX XXXX. Chase was struggling to " activate '' the mobile feature of the card before having XXXX XXXX  add it to its system. On a different note, In/About XXXX, COMPLAINTANT has changed his billing and mailing address with Chase as well as email address. On XXXX, COMPLAINTANT has initiated and completed several XXXX transfers. Around XXXX XXXX   PST, Chase has tried to contact the COMPLAINTANT for possible fraud attempt on his account. Due to more than average or normal transfers initiated, COMPLAINTANT acknowledges the security measures taken by Chase. However, the employees over the phone insisted that COMPLAINTANT contact local branch banker and have her/him contact the call center. Another sudden shift of procedures made by Chase employees. Around XXXX XXXX PST, a different manager has answered the call and insisted that COMPLAINTANT visit his local branch/banker for authentication. When asked whether receiving and verifiying the call promptly from earlier representative, who flagged the account, would have prevented the lock, the manager was unable to give a concrete answer. Chase manager is unable to comment on whether different employees can make subjective conclusions in requiring extra arbitrary measures to authenticate user accounts. Over a course of a year, Chase has been arbitrary in applying measures to unlock COMPLAINTANT 's account, ranging from ( 1 )  using debit card as SMS/Text authentication was unavailable due to COMPLAINTANT 's mobile carrier information not matching the information on " mobile public records '' Chase queries from, ( 2 ) Visiting a local branch with ID, ( 3 ) call back its supervisory customer service line, and to ( 4 ) Calling a local branch banker to have him/her call Chase 's main customer service line.
Consumer complaint received 2020-04-05
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. (VA)

XX/XX/XXXX : Attend a physician Due to a billing inconsistency {$250.00} Correct that issue on multiple occasions with both the supplier and insurer.

Believe corrected. 
XX/XX/XXXX get multiple credit alerts, credit scored has dropped from XXXX to XXXX with a collection against my credit reporting. 
XX/XX/XXXX online protest to XXXX  dispute file # XXXX XX/XX/XXXX online protest to Experian dispute # XXXX XXXX  unable to contact online or by phone. 
XX/XX/XXXX Original biller issues another letter stating {$0.00} balance. 
Unable to go online to XXXX  or Experian to add letter to dispute. Unable to contact by phone. 
Still unable to get anyone at XXXX. 

How can the credit agencies have zero control measures to ensure collections reported are correct and then provide zero opportunity for the consumer to correct.
Consumer complaint received 2020-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/XXXX : Attend a physician Due to a billing inconsistency {$250.00} Correct that issue on multiple occasions with both the supplier and insurer.

Believe corrected. 
XX/XX/XXXX get multiple credit alerts, credit scored has dropped from XXXX to XXXX with a collection against my credit reporting. 
XX/XX/XXXX online protest to Transunion dispute file # XXXX XX/XX/XXXX online protest to XXXX   dispute # XXXX XXXX  unable to contact online or by phone. 
XX/XX/XXXX Original biller issues another letter stating {$0.00} balance. 
Unable to go online to Transunion or XXXX  to add letter to dispute. Unable to contact by phone. 
Still unable to get anyone at XXXX. 

How can the credit agencies have zero control measures to ensure collections reported are correct and then provide zero opportunity for the consumer to correct.
Consumer complaint received 2023-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc. (GA)

To whom it may concern, THE TERMS YOU AND YOUR REFER TO CENTRAL PORTFOLIO CONTROL. 

This document revokes all options for remedy requested prior to the date of the notarizing of this document. 

Attached are the communications, violations, and exhibits for evidential proof. 


BE MINDFUL SOME VIOLATIONS ARE CONSIDERED BOTH CIVIL AND CRIMINAL. 

This is my final plea for remedy, in which, I will proceed with the filing of complaints. Ive recently sent communications, Exhibit B, Exhibit F, via USPS mail, Exhibit G, requesting remedy for the damages caused by your willful act ( s ). I received correspondence in regards to my requests, Exhibit E, stating, We regret to inform you that our company is no longer handling the account referenced below, please call the highlighted number below or the original creditor listed above to obtain further details about your account. I acknowledge your admission of handling the account ( s ). Exhibit E. Regardless of the admission, I felt the response was disrespectful and emotionally triggering. Neither the damages caused nor the request for remedy, for your willful injurious act ( s ) were addressed. Yet, youre admitting to your handling of the account prior to my receipt of Exhibit E, which furthermore, verifies your guilt of the following violations attached to this communication, along with exhibits for evidential proof, but not limited to.
Consumer complaint received 2020-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

In mid 2019 I became aware that midland funding was trying to collect a debt from me in the amount of {$3200.00}, however the debt is a result of identity theft and I sent them a debt validation letter and tried disputing the debt with them as soon as I was aware of it. I have also filed a police report regarding the identity theft/debt and have provided a copy to them. Midland Funding is currently trying to sue me in court for the full amount of {$3200.00} plus court costs. They have reported these fraud debts to the credit bureaus and they remain the only negative item on my credit reports, because I've always paid my credit cards in full every month for as long as I've had credit cards. This has stopped me from being able to purchase a home and has been negatively affecting my life. I have tried speaking to them and they continue to try collecting on this fraud debt and refuse to remove these lies from my credit report. They have not even provided me with a copy of the original contract when I requested it, and the only thing they can show me is some statements with a wrong address. I wouldn't be surprised if they were the ones who opened a fraud debt in my name and this is all part of some huge legal scam. I will be speaking with an attorney to see if I can counter sue for anything and everything if they do not dismiss this lawsuit.
Consumer complaint received 2020-03-26
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. (UT)

The credit bureaus Experian and XXXX  are reporting inaccurate information on my credit file. They are reporting a late on XXXX/XXXX  for XX/XX/19. I have never been late and it needs to be removed off my credit. I didn't know this late was reporting until I checked my credit.
Consumer complaint received 2020-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

Please be advised this is my 2nd attempt in trying to resolve this matter. Equifax claimed my recent complaint was not specific enough in regards to the fraudulent accounts despite the fact they have received SEVERAL dispute letters listing the fraudulent related accounts. Accounts related from identity theft are 1. XXXX # XXXX, 2. XXXX XXXX # XXXX, 3. XXXX XXXX XXXX # XXXX, 4. XXXX XXXX # XXXX, 5. # XXXX XXXX # XXXX # 6. XXXX, XXXX   # XXXX. Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and XXXX  has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (PA)

I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : XXXX  XXXX XXXX XX/XX/2019 XX/XX/2019 XXXX XXXX Monthly Payments XXXX XXXX XXXX XXXX  XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX XXXX  Monthly Payments XXXX XXXX XXXX XXXX   XX/XX/2019 XX/XX/2019 XXXX XXXX Monthly Payments XXXX/XXXX  XX/XX/201XXXX XXXX XXXX  Monthly Payments
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BBVA FINANCIAL CORPORATION (TX)

For 3 months since XXXX my minimum payment has not been reported correctly through the app, resulting in late fees each month. I have paid the more than the minimum payment listed every time, but somehow less than the actual minimum payment required to not get a late fee.
Consumer complaint received 2020-04-05
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 — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-03-26
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. (MS)

The US Small Business Administration ODA at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, made two separate unauthorized inquiries on XX/XX/2020 and XX/XX/2020 subsequent to me seeking emergency relief via the SBA Economic Injury due to SBA Disaster Loan Assistance website portal related to the COVID-19 pandemic and Excessive Flooding ( " XXXX - SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING '' ) in the Mississippi XXXX as a direct response to the declared state of emergencies both Nationwide by the POTUS as well as Statewide by the Governor. Two Economic Injury and Financial Impact requests for assistance were sent to the SBA per the Declarations of Disaster made by Donald J. Trump, President of the United States of America and XXXX XXXX, Governor of the State of Mississippi. 

These SBA generated " hard pulls '' should never have been allowed to effect my credit scores, given the fact that the SBA ODA applications for Economic and Financial Impact relief were in direct response to the Declarations and the request of both the President of the United States and the Governor of Mississippi to file the relief papers with SBA ODA.