davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CMRE Financial Services, Inc. (TX)

I was never notified of the documents, XXXX approved my remove of CMRE AND this remains in the credit file and I want this removed to miscommunication or fraud I have no memory where I ended up with this charge because they never told me where the debt was created
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America gave me two credit cards one {$2500.00} one {$1000.00} on 2015 year I was paying payments on time until landlord raised my rent to {$950.00} per month previous I was paying {$550.00} at that time I was able to make payments.As for now I can not make payments.Im XXXXyears old I worked all my life I did not ask for this.My only income is {$1100.00} SSI I kept telling them my situation poor is not criminal it is just poor.Bank of America changing collectors all times some times I think they are hackers.im asking to end it either way many nights I can not sleep.I have some illness I can not pay my copay go to hospital .thank yoy
Consumer complaint received 2020-02-11
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NJ)

I have been contacting the three major credit bureaus in order to fix errors on my credit reports. Navient has been stopping any forward progress by reporting late payments to them. However, this is bad practice as I've never had to make any payments yet. My Navient accounts have been deferred for the entire length of the loan. As of now they have refused to fix this mistake. In addition to that, they have been making small tweaks to the reports but avoiding fixing the error. This is a sign of wrongdoing as there shouldnt be a different change each month if the information was accurate. All 3 bureaus are reporting different information which is a clear CFPB violation.
Consumer complaint received 2020-02-11
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CMRE Financial Services, Inc. (CA)

CMRE was asked to verify collection accounts that they were reporting on my credit report. I was trying to validate if the debt was correct and if it should be included in my bankruptcy which was already discharged. When I requested validation they sent ALL my medical records attached to each of the reported debts as validation of debt. This is a clear violation of my HIPPA rights as I NEVER signed a HIPPA release form allowing any third party collection agency to have access to my medical records. As a violation of HIPPA they are required to stop reporting this debt. They have not and continue to send me copies of my personal medical records. I told CRME that they were violating my HIPPA rights and that I wanted they to stop reporting debt or I would sue. They followed up by sending additional HIPPA violation data in an attempt to validate debt. Debt that may or may not be included in discharged bankruptcy.
Consumer complaint received 2020-02-11
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. (FL)

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS WERE AUTHORIZED WITHOUT MY KNOWLEDGE AND I WOULD LIKE FOR THEM TO BE COMPLETELY REMOVED OFF MY CREDIT REPORT. THOSE ACCOUNTS HAVE CAUSED TREMENDOUS HARM AND HAS AFFECTED ME OF ACQUIRING NEW CREDIT. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY MARK OFF MY REPORT.
Consumer complaint received 2016-04-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

Submitted disputes to all XXXX credit bureaus ( Experian, XXXX and XXXX ) acknowledging there is a derogatory account from 2007 that does not belong to me and to investigate with the credit card company, XXXX XXXX XXXX, that they have no evidence claiming my ownership in their records. All XXXX disputes have returned unchanged. 

Also, Filed a XXXX complaint against XXXX XXXX XXXX, submitting the account is not mine and XXXX XXXX XXXX needs to remove account from reports because I do not acknowledge this account as mine
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

The situation actually started with my XXXX XXXX XXXX MC,  whereby I noticed my credit line was reduced from XXXX to {$0.00}. I contacted the call center on XXXX XXXX and the associate told me to contact Fraud on Monday. I called on Monday and Fraud stated they don't handle it. Basically I have had the run around and have called on numerous occasions to find out why my credit card was closed.Nobody could answer my question. They would place me on hold for long periods. I was advised that I would get follow-up calls and only one of the agents actually called me back. Again with no idea as to why my account, which is recently opened was closed. On XX/XX/XXXX, I received two letters from HSBC USA one stated that my credit card was closed ( which I already knew ). and another with my XXXX checking account being closed. There was no specific reason given in the letter. As a result, I called again. The associate and a manager could not tell me the. reason why, I have been on the phone with HSBC USA since I opened my accounts in XXXX ( checking ) and XXXX ( credit card ) for countless hours to verify account information and for them to research my accounts. I haven't had any negative activity on my accounts or reason for my accounts to be closed. I have never had a bank take me through the wringer like this. This has been a nightmare. I feel humiliated that a banking institution would treat a new customer like trash. This is one of the worst customer service experiences I've had.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have previously been a Walmart rewards card holder until the merger from XXXX XXXX to Capital One Bank. They didn't contact me to notify me of the change until a payment was past due. Then they proceeded to report two late payments to the three major credit bureaus. After contacting Capital One, they agreed to reverse this error and issue me refunds for both late payment fees. They also told me to contact the credit bureaus and notify them of this. However, nothing has been changed even though I filed several disputes now. Due to Capital One 's negligence I decided to close the credit card and cease doing business with them.
Consumer complaint received 2020-02-11
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. (FL)

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS WERE AUTHORIZED WITHOUT MY KNOWLEDGE AND I WOULD LIKE FOR THEM TO BE COMPLETELY REMOVED OFF MY CREDIT REPORT. THOSE ACCOUNTS HAVE CAUSED TREMENDOUS HARM AND HAS AFFECTED ME OF ACQUIRING NEW CREDIT. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE DEROGATORY MARK OFF MY REPORT.
Consumer complaint received 2020-02-11
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: CITIBANK, N.A. (NY)

My credit card number was stolen and used for fraudulent purchases in XX/XX/2018, including charges on XXXX and at a Meat shop in maryland, called " XXXX XXXX XXXXXXXX OF XXXX XXXX MD '' on XX/XX/2018 for {$540.00}. I had the account on autopay so I didn't notice the charges right away, but I notified my credit card company as soon as I noticed the charges, and they refunded all the charges besides for XXXX XXXX XXXX, which they claim was valid charges. I have never been to this meat shop, and I was in XXXX, WA on the day the fraudulent charges were made. Citi continues to close my dispute, saying that they learned that I provided the merchants with my account information, even though I did not do that. When I have called, over many months that I've been dealing with these disputes, they tell me they will reopen the dispute, but then never actually change anything and they continue to tell me I need to wait 1-2 billing cycles. Nobody has been able to tell me why they think I made this charge, because I haven't. 

The account number at the time ended in XXXX, But i don't have the full account number to put in the next section because I no longer have the card since it was closed.
Consumer complaint received 2015-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (WA)

We applied for a mortgage through a mortgage broker. When it came time to accept and lock in the rate, the mortgage broker informed us that as a condition on getting the interest rate and terms that we wanted, we were REQUIRED to open an account with the bank offering these terms. This bank is Wells Fargo Bank , NA. 

Normally, in our 30 years of owning a home, we have had our payments automatically deducted from our primary checking account with a bank ( a competitor of WF ) that we already have a relationship. But for Wells Fargo, this set up is not enough. They essentially are coercing us into opening an account and to become a customer in order to get a mortgage. If we do not open the account, we CAN NOT get the mortgage. We can not have the terms that they offered. We can not buy the house. 

We have no intention of opening an account. We can make payments as we have always done it : through our primary account with a competitor. 

WHY is WF forcing us to open an account with them when we do not want to? They are not convenient to us ; they are not near to us. We do not like their banking products, except for the mortgage. Why, as consumers in a free market, should we be forced to open an account. 

This requirement amounts to coercion and tortious interference with business relations. 

This requirement is EXACTLY why the big banks should be broken up. This requirement should be investigate and WF should be estopped from requiring this action as part of offering a mortgage product.
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CBCS, Inc. (KS)

On XX/XX/XXXX contacted XXXX. She stated I did not pay on my account and failed keep the arrangements I made. XXXX stated a payment was not received since XX/XX/XXXX. XXXX attached receipt that a payment was made on XX/XX/XXXX. 

I know this company is attempting to damage my credit by stating my payments are not being received. XXXX is unprofessional and rude and intentionally disconnected the call. Repeated attempts to call back with no avail. I want the record to show and the evidence of the attached documents that I am keeping the arrangements set by me. END OF STATEMENT
Consumer complaint received 2020-02-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America charged me 7 overdraft fees over a month totaling {$240.00}, charging me {$35.00} each. I called Bank of America customer service and they refund me just 1 of {$35.00}. If my account is low in funds, they should not honor or let my account be overdraft just that the banks can rip off customer by charging this ridiculous fees. These banks make billions from these illegals fees. We tax payers bailed these bank during the recession and they pay us back with ripping us off. Someone at the federal level please stop this unfair practices to continue.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I submitted a dispute to your agency through the CFPB. 

Complaint Numbers : XXXX XXXX XXXX There was no change as a result of this dispute so now I had to get the FTC involved with this issue. The FTC is attached. 

Your agency continues to report fraudulent information on my credit report that I need removed immediately.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XX/XX/XXXX I received an email offering for upgrade to a Venture Capital One card which had no annual fee. Over the summer I did a balance transfer to a 0 % APR credit card in hopes of tackling my credit card debt on the above account, therefore leaving my account with a {$0.00} balance. Unbeknownst to me, my previous card did have a membership fee of {$39.00} annually, and I decided to upgrade my card at that time to avoid a fee on a card I would not be using at this time. 

On XX/XX/XXXX I received an email reporting a statement balance of {$39.00} due XXXX XXXX. It was at that time that I made a phone call to Capital One to see if the membership fee was a mistake considering I had just upgraded my card. I was told on the phone that the {$39.00} would be for the upcoming year and since I upgraded my card, I would not be liable to pay this fee and it would be waived. I was told to " allow 1-2 billing cycles for it to come off ''. I remember my phone conversation vividly and know that this is what I was told ; had I been told that I had to pay the {$39.00} I would have cut my losses and paid it right then and there! 

On XX/XX/XXXX I received an email stating I have a balance of {$70.00} which was a {$39.00} membership fee ( which was supposed to be reimbursed or removed or whatever ) + a late fee + interest and it has since been reported on my credit score. I once again called Capital One and this time I was advised that I was mistaken : " we don't have any promotions going on to reimburse a membership fee '' and to write this letter. My excellent credit score of XXXX has since taken a nasty 50+ point reduction because of a delinquent account with 1 late payment, a late payment that ISN'T EVEN REAL!!!!! So not only has Capital One charged me a membership fee on a card I don't have/use, I was charged interest and a late fee and it was reported off as delinquent. Unbelievable.
Consumer complaint received 2022-06-07
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/202XXXX XXXX
Consumer complaint received 2023-06-24
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: LEXISNEXIS (GA)

XX/XX/2023 LexisNexis XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX Please remove all the other addresses off my report, As they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc (IL)

CHECKR SYSTEMS HAS TAKEN MY PRIVATE IDENTIFYING INFORMATION AND USED IT TO CREATE FILES FOR COMMERCIAL USE WITHOUT MY EXPRESSED WRITTEN CONSENT AND ARE GUITY OF IDENTITY THEFT AND CONSUMER FRAUD AS A RESULT. I HAVE SUBMITTED A WRITTEN REQUEST FOR PROOF OF CONTRACT OR {$5000.00} FOR THEIR VIOLATION OF ILLINOIS CODES AND STATUTES AS COMPENSATION FOR INJURY AND THEY HAVE NOT RESPONDED. I WILL TAKE THE MATTER BEFORE AN ARBITRATION BOARD AND MAKE THE MATTER PUBLIC ALSO UNTIL REMEDY IS PROVIDED.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a quicksilver credit card that ends with XXXX with capital one that has been open for 6 years. I got behind on payments so I was placed on a payment plan 2 weeks ago and was told if I make a payment for XXXX on XX/XX/20 day that I called which I did and make a payment in XXXX that I will be all caught up. I found out today that my account was charged off. I would like this charge-off reversed and I would like to continue my payment plan. Capital One XXXX. Please help me resolve this situation my credit is very important to me. I really need to get this resolved. Thank you!
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

My dispute is with Equifax itself. My complaint is this : I recently been informed that Equifax has been breached again by four XXXX XXXX. The last time they were breached my info was compromised and if they can not keep my private info safe then I dont want them utilizing my info in any way at all. Why should they be able to have a hand in major credit decisions in my life when they have failed time and again to keep my info safe. I'm really alarmed at this new breach because my identity was compromised and I'm still having credit issues with the last breach. I would like to file my own personal suit against them for incompetence which is my right. They hold too much power too be infiltrated so easily. I would like compensation and I wan TV my precious info removed from their databases before XXXX XXXX they hurt me in a way that I wont be able to recover from. This info is my life and sacred and I expect Equifax to keep this info protected as they promised that is my binding contract with them and they gave breached contract too many times now for me not to take action on a personal level not a public lawsuit.
Consumer complaint received 2022-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (NJ)

Caine & Weiner has reported an adverse action to CRA without notifying the consumer of the debt 's existence and has not notified consumer of their Rights under the law. This is the second violation of this kind by Caine & Weiner against me. This company refuses to adhere to Title 15 of the United States Code.
Consumer complaint received 2022-01-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Chime Financial Inc (VA)

I would like to initiate mediation and/or arbitration and am getting stifled at every turn. 

There is no money .... all of what people generally know as " money '', save {$100000.00} in US currency, is borrowed and I'm not working for borrowed currency. It's just not going down.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (IL)

Numerous tries to pay a large amount towards principal balance. My last call was today XX/XX/XXXX and after being on hold to speak to supervisor was told to send my payment wire transfer to XXXX XXXX ABA # XXXX A/C # XXXX. I called XXXX XXXX at XXXX and they do not even have my account, the a/c # I gave them they told me was inactive since XXXX. Called Lakeview # XXXX to speak to a loan specialist and they gave me a different number which is not in service # XXXX. XXXX is suppose to be handling my mortgage but supposedly they only take the payments for Lakeview. The number I have for XXXX  is XXXX. Can you please help me? I am unable to talk to anyone that knows how I can make a large principal payment.
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: COMMERCE BANK (VT)

I had applied for the commerce bank charity charge credit card on XX/XX/2020 as I have an alert on my credit report a representative from commerce bank called me to verify my identity on XX/XX/2020 asked me identifying information from my credit report to verify me I answered all answers correctly and and the woman had said I was approved for the card with a XXXX limit and my card would be sent out and arrive within 10 business days. On XX/XX/XXXX I receive a letter from commerce bank bankcard verification department thats dated XX/XX/2020 asking me for drivers license and something with my address I faxed that in and spoke to someone who states my account would be reviewed within 3 days so XX/XX/XXXX I called to check the status and got a voicemail for that department no live person again today XX/XX/XXXX I spoke to the security department and was advised to speak to bankcard verification and was also told they would email that department for me as well needless to say I have left voicemails and nobody getting back to me today on XX/XX/XXXX I called in and was told my account was closed and still nobody has yet to contact me after leaving voicemails this is a horrible business practice open and approve an account and while the card is being mailed out to you they close the account that not only hurts my credit score it looks bad on my credit report as well as it will show closed by credit grantor I have excellent credit and I dont want this effecting my credit I would like to have this card reopened as I took a hard inquiry hit on my credit file and there is no reasoning behind this decision thank you