davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

1. OnXX/XX/2019, I filed Complaint XXXX re Bank of America branch supervisor XXXX. 

2. On XX/XX/2019, I filed Complaint XXXX re Bank of America giving me misinformation and poor advice regarding deposit options and related holds for a check I was attempting to deposit. 

3. On Friday, XX/XX/2019, I missed a call from Bank of America " Enterprise Resolution, '' XXXX XXXX, Resolution Specialist, Regulatory Complaints, Bank of America, XXXX, extension XXXX. 

4. On Friday, XX/XX/XXXX, XXXX sent me an email I have a deadline of XX/XX/XXXX to respond. 

5. I called and left a voice message on XX/XX/XXXX at XXXX XXXX, but have received no response. 

6. I called and left a second voice message on XX/XX/XXXX at XXXX XXXX, but have received no response. 

7. I called and left a third voice message on XX/XX/XXXX, today, at XXXX XXXX, and have received no response. 

8. I attempted to press zero when calling the number, but the system will only allow you to dial an extension. The extension always goes directly to voicemail. 

9. Bank of America seems to be creating excuses to close cases and deflect substantive issues contained in CFPB Complaints that deserve resolution. They are doing so by setting deadlines for response, making themselves unavailable for communication, providing no alternative options for communication, and being unresponsive to messages from consumers.
Consumer complaint received 2021-04-14
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2015-09-20
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY ()

I had rented a holiday home in XXXX, FL and transferred 50 % of the rental fee to the owner. As I did not want to transfer the money to XXXX XXXX, I asked for a bank account. I received a Wells Fargo account. After 2 months I received an email telling me I need to pay the final amount to keep the booking. This was unusual. I started some investigations and found out it was a complete fraud. The person was no real estate agent, the holiday apartment had been rented for a year, the phone no. was out of order and the management at the building in XXXX never heard of him nor the owner. 
I found out where the account was located and filed a XXXX XXXX XXXX with the XXXX, NM police department. An officer informed me after weeks that Wells Fargo told her this " Wells Fargo has told me that the funds went into a XXXX XXXX XXXX account before they could inquire about it. Unfortunately, they have said they will not reimburse those funds to you because of this. " The XXXX police detectives told me that these people open bank accounts with false SSN 's and false driver 's licenses. The XXXX police department has XXXX XXXX of these cases per day. In this case the bank did not operate appropriately and check the legitimation of the person and therefore is liable for the loss.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

Re : Formal Compliant against XXXX/XXXX and Experian To Whom it May Concern : This is a formal compliant against both the Creditor XXXX and Credit Bureau Experian, as both has failed to respond to my dispute letters addressing the inaccuracies of reporting negative items. On XXXX19, The initial certified letter was sent to XXXX and delivered on XXXX.19 signed by employee XXXX XXXX. XXXX has violated FCRA & FDCPA laws and failed to respond within 30 days of receipt of this certified letter. The second certified letter was sent on XXXX19 to readdress the inaccurate reporting that is listed on my credit file with Experian, once again this letter was delivered and signed for by an employee. XXXX has failed to respond within 30 days to this certified letter, and has again violated laws as mentioned previous. After XXXX failed to respond, I sent a dispute letter to Experian to address inaccurate reporting listed on my credit file on XXXX19, as it was delivered on XXXX19 and signed by XXXX XXXX. Experian has yet to send any type of correspondence within 30 days as expected by FCRA laws. And, has continually report negative items on my credit file.
Consumer complaint received 2022-07-26
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. (VA)

On XXXX XXXX and Experian received a package from XXXX XXXX consisting of a demand letter, a notarized affidavit, and exhibits attached ( see attached files ). XXXX XXXX Experian continues to report inaccurate information on the consumers consumer report without disclosing the method of verification used to verify the inaccurate accounts. XXXX and Experian is in violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I applied for credit with a company ans was told that I did n't have credit. I proceeded to pull my own credit with Equifax monitoring service. To only discover that they have fraudulently removed credit lines from my report without my permission of a dispute and without the creditors permission. They also put derogatory information that was disputed and found not acceptable off my credit were put back on. They have updates on previous credit reports but as of XXXX XXXX and XXXX XXXX my report shows no updates as of 2016.
Consumer complaint received 2018-05-14
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (FL)

Was harassed by XXXX. Also let Navient know that I've checked the website and the amount owed was not there or amount paid in was not there either. Let them know that I was head of household so the garnishment was not suppose to be put into effect as of Florida state law. At one time had the money to pay off loan was told I could not.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my NUMEROUS 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 items : 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 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

The list of information in my report was inaccurate. I sent it to all the credit reports, asking them to investigate and verify my files. That information, however, is still being shared and affects my credit. The credit bureau did nothing to remove the incorrect information listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXXXXXX XXXX  XXXX Updated : XX/XX/XXXX
Consumer complaint received 2018-05-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (LA)

I am a co-signer on my sisters student loan. It was originally a XXXX loan that was sold to Sallie Mae. I also have loans with Sallie Mae from when I went to college. When I went to my account it shows my sisters loan incorporated into mine, as if I am the payee. I AM JUST THE CO-SIGNER. It actually wont allow me to pay my loans by themselves without selecting custom payment. They also changed my due date on my loans to incorporate hers. However, it was so frustrating after talking to two separate people that I paid the loan off entirely. It shows a XXXX balance, but is still on my account. If Im correct this is illegal. If the debt is paid, I am released as a co-signer and should no longer see the account. I should have never seen it in my loans in the first place.
Consumer complaint received 2021-07-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (TX)

A collection debt suit was filed against me in XXXX county court in the amount of $ XXXX was scheduled a trial by judge via XXXX  on XX/XX/XXXX. I. was present for this trial which was by teleconference, the plantiff and also a court clerk were present, but no judge was present.I had made available documents of proof to the court showing that I'm not liable for the debt in question. I had previously disputed it with XXXX, XXXX  and XXXXThey contacted the creditor in reference to the dispute, and it was deleted from my reports.During the teleconference trial the plantiff used scared tactic questioning, disregarded the documents I had made available and stated that XXXX  resolve of my dispute was not sufficient and invalid. He threatened me, by implying he would put a judgement on me if I did not own up to this invalid debt
Consumer complaint received 2019-07-17
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (VA)

I hold a Chase Sapphire Reserve credit card and have used it consistently for roughly two years. I pay a {$450.00} annual fee to do so. On XX/XX/2019, I attempted to book travel through the Chase travel service, one of the benefits of the card. After an hour of poor service, the Chase representative ultimately billed me in duplicate 11 times, {$68.00} each time for a total of {$890.00}, both on my Chase card and on a separate XXXX card that they made me provide after being unable to bill my Chase card. 

When I saw these pending I immediately called in was assured these charges would not be posted. They were all posted. 

I was directed to contact their travel customer service at : XXXX. 

I emailed Chase multiple times in XX/XX/2019, called in again multiple times, and was assured each time not worry. 

After seeing no refund come through for any of the 11 duplicate charges, I have now emailed again multiple times in XX/XX/2019. My emails are no longer being responded to. Calling in, Chase representatives insist that I use the email. 

As I write this on XX/XX/2019, the 11 duplicate charges totaling {$890.00} that Chase billed me on XX/XX/2019 have not been refunded and I am unable to get an adequate response from anyone at Chase. 

Chase is a major institution and their credit card service is only a sliver of their business, but this conduct is unacceptable. I would not tolerate this from any business, let alone from a leading bank.
Consumer complaint received 2019-07-17
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. (CA)

I am filing this complaint because XXXX, Transunion, and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone way pass the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to ... .. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible
Consumer complaint received 2019-11-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (IL)

I was served with a notice to revive a debt from XX/XX/XXXX, which I included in my XX/XX/XXXX chapter XXXX bankruptcy. 

They filed case # XXXX XXXX COUNTY IL Atty for LVNV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Consumer complaint received 2017-07-21
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NY)

I have a CRA billing and payment problem with Chase Amazon Card # XXXX issued to me, XXXX XXXX. Chase notified XXXX only that I paid my bill " more than thirty days late in ithe XX/XX/XXXXbilling cycle. As a result, I had my perfect payment record destroyed and two creditors closed their credit accounts! Chase made a mistake. Under FCRA rules, Chase Card must mail me a statement each month so I know how much I owe. they did not mail me any statement. Chase claims to have sent electronic statements but, I did not receive any. Since last XX/XX/XXXX, I have been treated for XXXX and in the hospital. I do not see any computer statements at all. Under Federal and NYS consumer safety rules, I am not liable for any debt that is not mailed to me timely each month. However, I did pay the bill due during the XX/XX/XXXX ( attached ) statement cycle. I called up on XX/XX/XXXX and made a payment for {$210.00} by phone with Chase. However, Chase did not attempt to collect this check by phone. Chase just returned the check after making one attempt to collect it on XX/XX/XXXX. Federal and state consumer laws prohibit creditors from punishing consumers until they have collected the check at least twice. A check in NY is not considered NSF until it has been returned three times. Just to make sure I did make the payment, I called up and asked why the check was returned. Chase advised me to speak with a manager. I asked the manager on XXXX XXXX to accept a check for two payments for {$480.00} so the XXXX and XXXX cycles were paid. Please know the manager at Chase agreed to manually apply the {$210.00} due on XXXX XXXX and apply the balance due for XXXX XXXX cycle for {$270.00}. SO CHASE GOT THEIR MONEY AND THE STATEMENT PROVES THAT. The XXXX XXXX attached statement shows that I paid {$210.00} on XXXX XXXX. The XXXX XXXX attached statement shows that I paid {$500.00} which covered two months of payments. Please remove the creditor statement that states " more than 30 days late '' on the XXXX Credit Report for Chase Amazon Card # XXXX.
Consumer complaint received 2017-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Integrated Recovery Services (WI)

I received a phone call from Intgrated Recovery Services regarding an installment loan that I could n't finish paying. I asked if I could call back after I checked the information out. I found that I did take the loan out. I could not remember this company when I was first contacted. I called back the same day to see what kind of arrangements I could work out. The first man I spoke with was busy so I got another man. I told him that I had never received anything in writing to validate the collection. I know I owe the pay day company but was n't sure if this company had bought the debt. I wanted a notice in writing. They asked if an email was ok. I said that I wanted it in writing by mail. The guy started yelling at me telling me that Trump had changed the laws and I am going to lose and I should just pay my bills and my tricks do n't work. Trump changed laws and he is not on my side. I 'm finished. I find that to be so belligerent and rude and honestly scary that someone would speak to me that way when I just wanted some validation that this company actually bought the debt. I only borrowed {$300.00}. It ca n't be that hard to make an arrangement once they verify that they actually bought the debt from XXXX. XXXX. I do n't want to call them back and be talked down to and screamed at. I did n't treat them that way and ca n't participate in resolving the issue if they cant be professional. I also do n't know why they find it so difficult to send me something in writing to validate the debt. Legally they have to sdnc something in writing notifying me of the debt. I have never dvdn received any collection notices from the original creditor. I find it fishy.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lost my access to my old CFPB account, that is why I created this. I thoroughly reviewed my credit report, I spotted some inaccurate information that needs reporting and correction through your company. The Bureau clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n.
Consumer complaint received 2021-07-22
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. (NC)

XXXX XXXX XXXX incorrectly placed a medical claim in collections that is preventing me from obtaining lower rates and housing. My insurance provider, XXXX XXXX, labeled the claim as provider responsibility because they requested more informative on tge treatment due to the high billing statement. They did not receive a response from the provider, who then placed my account in collections. This has had a detrimental affect on my credit currently.
Consumer complaint received 2021-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc. (TX)

Sent a debt validation letter via certified letter on XX/XX/XXXX requesting proof of debt, the original bill and proof they are authorized to collect on the debt. I received a response that they were unable to locate an account for me. I sent my second debt validation letter via certified mail on XX/XX/XXXX. I have never received a response from Credit Systems. This is currently still reporting as of XX/XX/XXXX. They replied to the credit bureau that the debt is verified but have yet to respond to my reasonable request for validation.
Consumer complaint received 2019-09-26
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 am in the Public Service Loan Forgiveness Program with MyFedLoans. I have been employed with the State of California for almost 7 years, and have been making payments regularly under PSLF. MyFedLoans have still not provided me with an accurate accounting of my loan payments made, after countless phone calls and emails to them. My MyFedLoans account is not up-to-date, and I would like this fixed immediately. Some of my loan payments have been counted this calendar-year, and some have not, with no explanation from MyFedLoans. 

I would like this issue resolved as soon as possible.
Consumer complaint received 2019-09-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CT)

XX/XX/2019. I was making a transfer from XXXX XXXX XXXX  to my XXXX XXXX account.I made a mistake and touch PayPal icon instead chase so the money went to PayPal, I reach out to PayPal many times to reimburse me and they refuse.