davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-16
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. (NY)

Equifax has allowed multiple companies to provide them with fraudulent information to report on my credit report. to my understanding is that Equifax is supposed to report accurate and correct information to a consumer 's report and I have been one that has been treated unfairly because they are allowing inaccurate/fraudulent Infomation on my report.

I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Fraudulent Inquiries XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

In XX/XX/2022 I paid American express {$4200.00} for a bill that was meant for my XXXX XXXX  XXXX. I contacted American express around XX/XX/2022 and asked for them to send me back the money. They said they would send me a check with in XXXX to XXXX  days. I called them XX/XX/XXXX and told them I had not received the check and they said they made a mistake and did not mail it. That they would be sending me a check and I could expect it in XXXX to XXXX  days. I asked for a supervisor and asked if they could wire me the money. They said they only can wire money after they attempt to send the check. I told them they already tried to send a check and failed. He refused to send me a wire transfer and said " checks in the mail ''. XX/XX/XXXX I called again and said I did not receive my money. They said that the check for whatever reason was not send out. I asked to have the money wired to me and they said they would do that and said I would receive the money in XXXX to XXXX  days. I did not receive the wired money. It is now XX/XX/XXXX I am on hold with Amex on my XXXX call to them asking them where my money is. They said it still has not been sent and I am on hold waiting for them to give me a response. I think this is criminal that they can hold my {$4200.00} XXXX and not return my money. I feel helpless and I feel taken advantage of. How many people do they do this to. How many millions of dollars are they holding XXXX making money off my money and purposely doing this to make additional profit. I have bills to pay and just went thru the holiday and I am getting desperate. I am hoping you can take some sort of action against this company and fine them for this behavior so they don't do this to any other people. I don't know if I have any recourse against this company. Any help you can provide me would be greatly appreciated.
Consumer complaint received 2022-10-09
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Case XXXX Bank of America FHA foreclosure case has been removed to Federal Court under federal question Is an approved FHA lender required to follow Federal HUD regulations that requires the lender to contact by mail, phone and face to face with mortgagors PRIOR to filing foreclosure and remit proof the regulation was followed when ordered to do so in court?
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (SC)

I recently received a forwarded statement for my XXXX ( now PNC Bank ) credit card. The notice basically said it was going to collections and to call them. I called them on XX/XX/XXXX and discovered that I did, in fact, owe them for some charges earlier in XXXX which I was happy to pay. However, they also charged me for interest and two ~ {$50.00} late charges. My issue with the interest and late charges is that I never received notice to pay or I would have. Of course, if PNC had tried to reach me, I would have paid and not incurred one or both of the late fees and interest! When I questioned why they didn't contact me to collect prior to incurring late fees, they said that they called but I hung up and they called a second time but they didn't leave a message. It sure seems like they wanted to incur the late fees rather than let me know about it. Never once did they try to email me or try to reach me in earnest. The total bill was less than {$250.00} and I have no other debt. Anyway, on XX/XX/XXXX I spoke with someone from PNC to " settle up '' and the gentlemen agreed to waive one of the late fees so, in order to put this past both parties, I agreed to pay ~ {$170.00}. 

Fast forward to today : XX/XX/XXXX. I called PNC to get past statements for the account mailed to me for tax purposes and, to my surprise, I find out that the late fee the gentlemen agreed to waive was denied and still remains on my account. This is after him telling me I had a {$0.00} balance on XX/XX/XXXX. I asked again if they tried to call or reach me in order to collect the fee and was told, " no, we didn't '' and " you live in a state in which we can not leave a voicemail ''. The behavior is what I would expect from a XXXX XXXX  not a super regional bank. 

I appreciate the help and 'm happy to discuss more at your convenience. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX
Consumer complaint received 2023-03-19
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)

According to 15 USC 1681 ( A ) ( 1 ) any actual damages sustained by the customer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. I want XXXX XXXX dollars per violation. 
I also want the fraudulent accounts reported on my credit profile to be removed immediately.
Consumer complaint received 2022-09-28
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. (FL)

CFPB + TransUnion, According to my XX/XX/2022 XXXX XXXX  credit report you are *still* reporting inaccurate information and refuse to fix this - even though I have filed numerous complaints. 

TransUnion, you are *not* properly investigating these and I demand that you do. 

Attached to this complaint is : - my drivers license - my social security card - my mailing address - my long and detailed written complaint - my complete XXXX XXXX  report dated XX/XX/2022 You need to have these accounts removed immediately as you are reporting them inaccurate and refuse to fix.
Consumer complaint received 2023-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I found a fraudulent charge for {$44.00} by XXXX XXXX a foreign exchange fee on my Chase checking account. I disputed it and it was denied. In the letter it said I can request the information used for this research. I requested more information but all that was repeated was I was found to have authorized this transaction because I hadn't disputed charges from them before. I have NEVER received a transaction from XXXX before, and Chase denied my request for actual proof or to speak with the agent who worked on my claim. There was also a foreign transaction fee for XXXX and I never traveled outside of the U.S in XXXX, which makes no sense. I have proof that I was in the U.S. This is unacceptable as it is clearly a fraudulent charge and they denied my claim with no proof. There is also multiple users online having the same problem, getting the same unauthorized charge of {$44.00} by XXXX.
Consumer complaint received 2018-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My backpack was stolen on XX/XX/18 which contained my laptop, my cell phone, and my wallet. Afterwards, the thieves got into my bank account and uploaded fraudulent checks under my name. This happened to two of my accounts. The first account ending in XXXX was affected on XX/XX/18 with check # XXXX in the amount of {$1200.00} and # XXXX in the amount of {$1100.00}. The account ending in XXXX was affected on XX/XX/18 with check # XXXX in the amount of {$5500.00} and on XX/XX/18 with check # XXXX in the amount of {$980.00}. This has taken both of my accounts into deep overdraft and also they are frozen at this time. At the time I had {$450.00} on hold from a money order I uploaded, which ultimately got take by whoever gained access to my account. A police report was filed and sent in. I also made a fraud claim with USAA only for them to turn around and tell me in liable for the charges. I've gotten the runaround from them for the last week or so now and I feel they will continue to blame me for these charges even though I CALLED INTO THE BANK TO REPORT THE CHARGES. They never contacted me about any of the activity on my accounts. Now I'm stranded 1000 miles from home, being a XXXX XXXX from XXXX going to school in Florida, with no bank account, no way to access my money, no way to eat, no way to pay my bills, and no support system. USAA does not care about their customers as I feel like they did not do a thorough investigation before they found ME liable for fraudulent activity on my own account.
Consumer complaint received 2022-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Account number XXXX I have been trying to contact the credit agencies and furnisher of this account, as after reviewing my credit report I noticed this charged off account that showing negatively on my reports. I am demanding CFPB to enforce federal consumer financial laws and Fair Collection Practices Act. I am demanding this account be removed from all reporting agencies asap. 

remove from all reporting agencies and mail me an updated report from all reporting agencies once updated.
Consumer complaint received 2019-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

I have no idea who I Q Data International is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. I Q Data International is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

I notified I Q Data International via certified mail RR # XXXX XXXX XXXX XXXX XXXX and requested documents and they did not provide the information that I requested. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized I Q Data International as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ I Q Data International } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to I Q Data International, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2019-04-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (CA)

I was recently contacted from XXXX regarding a fraudulent account that appears under my name and social from Discover Card I never given anyone permission or consent to open said account. I immediately reached out to Discover to report that this card was not mine and was given the complete run around. They tried to give me an address to write into. 

Unhappily I escalated to a manger who in return gave me a number to the executive office. Once I indicated to the executive office that I filed a complaint they said it will be handled through that channel.
Consumer complaint received 2021-03-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America is paying scammers, fraudulent merchant from my credit and debit cards leaving me with low balances. I'm consistently having to disputes these transaction that they are complicit in. I don't won't BOA paying anyone w/o checking with me first. In there mean time I have to wait 7-10 or longer business days before these disputes resolve. Leaving behind in other bills and paying late fees due to their actions. I was in an emergency crisis where I couldn't get my own funds due to their actions, therefore I quitting this bank after 12 years of service with them. I believe this banking institution needs to be thoroughly investigated on there banking practicing. Anybody nowadays scammer and fraudulent conspirators can get your credit and debit card information and pull any amount of fund available from my accounts and this bank will pay them off and fault me for them having that information, when I know nothing of these false charges that's being incurred and BOA paying them from my account.
Consumer complaint received 2019-04-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC (TX)

I noticed an account with Receivable Performance that I was unaware of. XX/XX/19 I disputed the account with the credit bureaus and Receivable Performance verified the account as accurate. I also sent a letter requesting validation ( Tracking XXXX XXXX XXXX XXXX XXXX ) on XX/XX/19 and Receivable Performance failed to respond or provide the proper validation. Not only did they not provide me with validation. There is another company collecting on this SAME EXACT debt. This is illegal. Two companies can not collect on the same debt.

Being that I never received any documents from Receivable Performance, I am pretty sure they do not have the right to collect this debt. 

Please delete this account from my credit reports immediately.
Consumer complaint received 2021-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I believe I have made XXXX payments and should qualify for Public Service Loan Forgiveness now, but Fedloan has me at XXXX. The disputed payments include the following : one from XX/XX/XXXX where Fedloan says I " don't have a bill for this payment, '' but still debited the monthly amount from my bank account. The issue was without my asking for it, they put me into " disaster forbearance '' because I lived close to the California wildfires despite the fact that the fires did not affect me personally. I called and asked to remove the forbearance, which had been placed for two months, and asked them to bill me as I wished to continue to make payments. They removed the forbearance and only debited my account for one month, but did not create a bill. Therefore, they took my money for one month even though I asked them to take it for two months, and then counted zero months. Another disputed payment is from XX/XX/XXXX during a transition from a prior servicer to Fedloan. This payment has been " pending manual review '' for over two years. I have submitted proof of payment for this bill but it hasn't changed anything thus far. I called Fedloan and they advised me NOT to submit for forgiveness now because it will be denied. They also said there is " no timeframe '' for when my disputed payments may be reviewed. I asked if I might speak to their ombudsman or at least a manager and was told " no. '' They would not give me any contact information for an ombudsman.
Consumer complaint received 2019-04-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX, I went to the Chase XXXX branch in XXXX, VA to open a business checking account with a promotional code I had received in an email. I worked with a bank named XXXX XXXX, who opened the account for me. He took both my driver 's license and court document for my business trade name and made copies/scans of in another room while I sat in the office. 

A couple days ago, I received a letter postmarked XX/XX/XXXX, saying that additional information is needed to keep the account open, and that I needed to supply this information by XX/XX/XXXX. I did not received this letter until the end of the day on the XXXX, which was a Friday. I called into Chase to try to figure out what exactly they needed, but they would not tell me anything, only that I needed to go to the branch I opened the account in to resolve this issue. No further information was given. I didn't even know what documents were needed to keep my account open. 

I couldn't visit the branch on Monday due to work, and ended up going the earliest I could, which was Wednesday, XX/XX/XXXX. In between then, I called multiple times to the branch to see what could be done on their end and every time, they said they'd look into it and get back to me, and they never did. Finally, on Wednesday, I went in person, was assigned to a banker named XXXX, who proceeded to take my all my personally identifiable information again and go off into some back room for 15 minutes. When he came back, I asked him what he did, and he said he scanned the documents into the computer and that I should be good to go. I asked him what was missing before that caused this issue, and after 5 minutes of browsing on his computer, he couldn't tell me. I asked him how long it would take to know if the issue was resolved and he told me to call back in 2 business days, but couldn't provide anymore information. 

Later that day, I decided to call into XXXX myself and try to follow up. I was eventually forwarded to the XXXX compliance department who told me that the account had already been closed on Tuesday, XX/XX/XXXX. This was the day before I went into the bank, had a banker take all of my personally identifiable information into a back room for XXXX minutes XXXX same as the first banker ) and come back and tell me I was " good to go. '' The compliance representative told me the banker should've been able to see my account was closed, and that if I had wanted a checking account, I would've had to open a new XXXX. Therefore, there was no reason for him to take my information to " scan. '' I'm very worried that my personally identifiable information has been compromised at this branch. When I was there, I found out that XXXX XXXX was not even an employee at that branch. When I looked at my paperwork, it showed that my account had been opened in the " XXXX XXXX - XXXX '' branch, which is all the way in New Jersey.
Consumer complaint received 2022-02-16
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: Experian Information Solutions Inc. (NC)

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.