davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I am being scammed out of my benefits wrongfully and charged an debt that they are aware I never received XXXX because my last social security check was in XXXX same for my medicare card and are under investigation by molina fraud department XXXX XXXX report key XXXX. The Bureau of Fiscal Advisory services are aware of payments owed to me and in washington DC is the location where XXXX XXXX XXXX XXXX on XX/XX/XXXX honestly contacted washington dc social security office and XXXX bank by email and instructed them that there is an mix up with my name and that they must pay me all my money and that they must go back to XXXX and then she got replaced by XXXX whom has now changed her mind since she have heard from the bureau of fiscal advisors and she told me that I will get all my benefits backpay owed to me and are in agreement with Ms. XXXX now, she stated. I am informed by bank of america that the social security checks and the uia checks all went into the same account by XXXX XXXX XXXX XXXX starting with XXXX and that it was regular deposits. then on XX/XX/XXXX an XXXX at bank of america told me that my XXXX claim XXXX went into an XXXX XXXX XXXX account in XXXX. then after at least four women two of them I remember as XXXX and XXXX all four told me that they froze this account and are trying to get the money back to my account. They all lie now and say this is an XXXX, XXXX or XXXX dollar claim. 



Please Investigate.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

As of XX/XX/2021 my credit scores dropped from both Equifax and XXXX 17 points with out proper reason. This is a recurring problem due to the algorithms not waiting for the month cycle to complete which always shows that I have XXXX out my balances. 
These egregious errors can cause me to pay higher insurance rates and cost me more money to pay premiums. My credit scores should be well above XXXX across the board.
Consumer complaint received 2021-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PNC Bank N.A. (CO)

BBVA Compass stopped sending me statements back in XXXX. I asked numerous times for current statements but they refused. I am currently trying to refinance my mortgage of which they are a second holder. I have asked for a payoff figure but they have refused my request. The company that I am using to refi has reached out several times for a payoff figure but they refused. Each time I called for a figure, they would hang up on me. I then sent a request via email on XX/XX/XXXX but they have not responded to that either. The underwriters have reached out several times, as well. The only response I received from them, several months back was that I was in bankruptcy. I am not and have never included them in any bankruptcy!!! I don't believe that they have the right to hold my banking information hostage like that. Both the mortgage bank rep and myself called again today for a payoff amount and they declined to help. We were on the phone with them for over two hours, but without any success. They are just refusing to give us a current written payoff amount. Please help!!!
Consumer complaint received 2021-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed an accounts reported by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXXNow I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XX/XX/XXXX 
Please govern yourself accordingly.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (OR)

Synchrony Bank Amazon.com card. ( hereinafter SB ) This account was closed in XXXX of XXXX due to fraudulent charges being made on the card. I contested the charges ; the account reflected credit balance of {$89.00} on the XX/XX/XXXX statement, SB sent me a refund check of {$89.00}. I considered the matter closed. I did not use the account again. 
On or about XX/XX/XXXX, I received SB 's closing statement, reflecting a balance of {$46.00}, with very similar charges to the prior fraudulent charges.I ignored this statement, assuming that it was in error. 
On or about XX/XX/XXXX, I received another statement from SB, now reflecting a {$73.00} balance, including late fees. 
On XX/XX/XXXX, I wrote SB, and stated that they were in error, the account had been closed, I had not used the account, and that they had unilaterally re-opened the account without my consent. I advised SB to permanently and irrevocably close the account. 
On or about XX/XX/XXXX, I received correspondence that SB was " looking into your account, and that it may take one or two billing cycles to respond to me ''. 
On or about XX/XX/XXXX, my FICO score dropped over 100 points, from approx. XXXX to XXXX, due to adverse credit reporting by SB. 
On XX/XX/XXXX, I wrote SB, summarized the aforementioned events, and advised them that their actions had now caused me actual and significant damages. I am attempting to purchase a real property, their actions have negatively affected this transaction.
Consumer complaint received 2021-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I sent a dispute letter to TransUnion pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? No wonder President Biden wants to do away with the credit bureaus, they are useless. 

My name is XXXX XXXX and Im submitting this complaint on behalf of myself and would like you guys to proceed forward with this complaint.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I reached out to XXXX  to have a fraud alert removed from my credit file considering it has never worked to prevent credit inquiries and inaccuracies. Per the rep she verified my information and advised she had removed the fraud alert. I called on XX/XX/2021 to confirm the fraud alert had been removed from my credit file and was told it was still there and it was an active-duty alert. I asked her how is this possible when I have never served in the military. She could not explain and told me I needed to speak to another department to have it removed and they were closed for the day. I am so frustrated with the credit bureaus because they are adding things to my credit file that is inaccurate and invalid. I also noticed several invalid addresses, names, inquires and accounts on my report and I have disputed them several times before and they remain on my credit file.
Consumer complaint received 2021-01-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was charged {$28.00} on my XXXX XXXX statement I disputed the charge and the only way BofA would investigate the charge was to make a fraud claim. .On XX/XX/XXXX the amount of {$28.00} was deducted as a fraud dispute. i was notified on XX/XX/XXXX that the merchant gave me credit for {$27.00} and {$1.00} which totals {$28.00}. But this was not true. The original dispute was only one transaction totaling {$28.00}. No where on the statement is their a credit of {$27.00} and {$1.00} which totals {$28.00}. Only an adjustment that added the amount back on the credit card. I called BofA again and I was told there algorithm automatically made that adjustment. I again made a claim. My XXXX/XXXX  XXXX showed a previous balance of $ XXXX.I called again and was told they would investigate it. I received a letter dated XX/XX/XXXX that " XXXXyour claim has been resolved ''. A few days letter I received my XXXX/XXXX  statement and the charge of {$28.00} is still on the bill and there is a new fee of {$1.00}. Again I called and was told the account shows a credit that will post XX/XX/XXXX. I called the credit card number and the auto services said I was going to be placed in collection because my bill has not been paid in two months. Every time I called the clerk makes notes and I am told the call is being recorded
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

In XXXX I applied and was approved for a new Chase Sapphire Visa Card. Due to the problems with the US Postal Service, I had to re-order a new card, delaying its arrival and activation by 20 days. Once I activated the card I called my bank/card company Chase, in XX/XX/XXXX, to change the due date to a mid-month payment instead of a first of the month payment. They said that they would change my due-date but never did. 

I called again last month in XX/XX/XXXX to change the due date- and for about 2 weeks when I would check the account it appeared as if it had been changed to due on the XXXX of each month. However, when I checked my bank account today, the XXXX of XXXX, the due-date for payment has somehow reverted back to the XXXX of the month. 

I have sent a message to Chase and I am wary that they will do the right thing by me, as I have had to have a conversation with them every month since I have activated this credit card. 

When I spoke to to the representative they alleged that they would send me a letter through the chase app/online banking portal this is the message that they sent me. That being said, when I open the documents center NO SUCH LETTER is available. 

We posted a new notice or letter in your Chase Mobile app and at chase.com/statements. 

Here 's what it's about We changed your payment due date. 
We encourage you to read the entire letter, because it contains specific information about your account. 

View your letter in two ways From Chase Mobile, go to your profile and choose " Statements and documents. '' At chase.com/statements, just sign in to your account. 
Youll see your letter under Notices and letters. 

To view or change your delivery settings, please sign in to Chase Mobile or chase.com.

Letters and notices sent may be from subsidiaries and/or affiliates of JPMorgan Chase Bank , N.A.
Consumer complaint received 2021-01-05
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. (IL)

I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.
Consumer complaint received 2021-03-21
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I submitted my dispute letters to Experian over 30 days ago. This company has failed to respond which is a violation of the fair debt collection practices act. I also did not give this company my written consent to furnish these negative accounts on my credit profile. This a violation. I am entitled to {$1000.00} per violation.
Consumer complaint received 2021-09-16
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. (TX)

I have gone back and forth with Experian numerous times concerning an inaccurate account which has lead to me losing money and being denied a mortgage loan in the final hour. Due to Experian 's lack of accurately investigating an account XXXX and updating it correctly or deleting the inaccurate information, I have run into hardships and headaches. I have provided Experian notices from XXXX XXXX. I have also provided the notices from XXXX and XXXX where these two agencies XXXX and XXXX have the correct information, such as XXXX balance, and reported as such so Im baffled as to why Experian is not reporting the accurate information or why they did not follow suit. Experian claims I am a third party every time I send a complaint ; however, I am sick and tired of the frivolous tactics Experian know I am who I say I am as well. Due to actual damages caused, I am forced to pursue legal action against Experian in federal court. I will sue for all actual damages incurred and all attorney fees and costs due to Experian FCRA violations. Experian has violated my rights and caused major actual damages from your false and inaccurate credit report from Experian.
Consumer complaint received 2021-01-05
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (KY)

I have disputed the account multiple times and they keep saying that's is an accurate account. I have never opened any kind of account like that or ever signed anything thru or for this account. I have absolutely no/any kind of knowledge of what the account is even for.
Consumer complaint received 2021-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA (CA)

The Department of Education has been knowingly infringing upon my right to privacy by sharing my information with third parties when I NEVER gave them permissible purpose to do so. The accounts in dispute are a result of identity theft. These accounts do not belong to me, but were verified. It is impossible to verify these accounts on my behalf because I am the original creditor and consumer and I'm the only person who could verify any debt. Also, debt means any alleged obligation and we all know pursuant to 18 usc 8 all obligations are securities of the United States. I need to you to cease and desist all collection efforts or else I will be forced to litigate. You are criminally and civilly liable for infringing on my consumer rights pursuant to 15 usc 1611, 15 usc 1640, and 15 usc 1692k.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: College Ave Student Loan Servicing, LLC (IL)

I have a loan inquiry for a college loan I didnt authorize so I called the loan Institute and got no where Im XXXX and I didnt apply for a loan to go to college.
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX for {$130.00} there was a glood and {$340.00} was fraud is {$480.00}. Ive calldd exevutive office and customer service who does not answer.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB, Inc. (GA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-09-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2021 ComenityXXXX ( FDIC # XXXX ) Restricted access to my saving account since someone is another state tried to access my account. I immediately changed my password. On XX/XX/2021 their fraud department finally cleared my account for me to access it. But " executive management '' still has not lifted the restriction ( XX/XX/2021 ). They are giving me no reason why. I need my money asap to replace my roof and remove trees. Otherwise I may be dropped from my homeowners insurance. I have contacted them multiple times a day and all they tell me is that they are working on it. When asked what else they are working on since their fraud department cleared me, they have no answer for me. They also can't tell me when I can expect access to my money. My daily phone calls have been over an hour because to transfers and long hold times.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX AND XX/XX/XXXX ON MY MORTGAGE ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I made requests to have Transunion remove paid/closed old accounts - greater than 7 years old - from my credit file. 

Transunion did not remove the accounts. 

XXXX/XXXX  acct # XXXX XXXX/XXXX acct # XXXX
Consumer complaint received 2021-09-17
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. (GA)

IT HAS COME TO MY ATTENTION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR A FEW YEARS NOW. ( COLLECTION AGENCY ) PLACED A COLLECTION ON MY CREDIT REPORT THAT WAS FROM A FRAUDULENT ACTIVITY. I HAVE CONTACTED ( COLLECTION AGENCY ) AND ( ORIGINAL CREDITOR ) AND EXPLAINED TO THEM WHICH I WAS TRANSFERRED SEVERAL TIMES, I FELT DISRESPECTED BY THE CUSTOMER SERVICE REPRESENTATIVE AFTER EXPLAINING TO THEM THE SITUATION THAT THEY HAVE THE WORNG PERSON. THIS COMPANY IS VERY UNPROFESSIONAL! I ALSO SENT THEM A COPY OF THE POLICE REPORT. I WILL ALSO FILE WITH CFPB AND FTC! THIS IS VERY INCONVENIENT ON MY PART!
Consumer complaint received 2021-09-17
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. (GA)

I noticed these fraudulent inquiries on my Equifax credit report and I've disputed them several times with the companies and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date XXXX XX/XX/21 XXXX XX/XX/21 XXXX XX/XX/21
Consumer complaint received 2021-09-16
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: EQUIFAX, INC. (WI)

On Date I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.
Consumer complaint received 2021-09-16
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. (NC)

I noticed these fraudulent inquiries on my XXXX and Equifax credit reports and I've disputed them several times with the companies and XXXX and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date 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 2021-09-17
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. (CO)

I have submitted multiple disputes and complaints, this company just lies and continues to report false, erroneous and inaccurate information on my credit report. This is damaging to my credit and preventing me from obtaining more credit. I need this negative account removed immediately.