davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-28
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: Receivables Performance Management, LLC (KY)

I moved from XXXX to XXXX in XX/XX/XXXX. I tried to get XXXX at my new house and they told me I was not eligible because I had an open acct at my old XXXX address. I explained to XXXX that was a joint acct between XXXX and I and we had split. When I asked XXXX to remove my name from the acct I was told that he had to do it because he was the primary acct holder. I immediately contacted him, we share a daughter, and asked him to call and let them know I no longer lived there and hadn't lived there in 3 yrs. XXXX then called me and told me he had my name removed. When I called XXXX back about 1 week later I was able to get the service with no issues, so I assumed my name had been removed off the other acct and the issue had been resolved since the representative allowed me to open an acct here in XXXX. Apparently this issue was not resolved and there is a delinquent bill at the address in XXXX. I contacted XXXX and explained to them the situation and that I am currently a XXXX   account holder and am current on my account. I also explained what had happened when I originally tried to get XXXX  here in XXXX  back in XXXX and was not able to. At no point was I contacted by mail or phone to even notify me that I had an outstanding balance on anything, and certainly not 2 cable accounts that range from {$150.00} to {$200.00} dollars a month. I certainly would not have let it go to collections. This should not be on my credit report due to it is not my account. This has a negative impact on my credit score and showing I owe XXXX/ Receivables Performance Management in the amount of {$940.00}. Not only was the account delinquent they also have not returned the equipment apparently. If you check anything on me you will see that I have not resided in XXXX since XXXX, or at that address since XXXX. My transfer from my job can also confirm this information. Thank You for your time and assistance.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX Credit Bureaus and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft.

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX XXXX i I do not make this inquiry. 
XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. 
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 2019-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CO)

Filed an investigation regarding number of qualifying payments made towards Public Service Loan Forgiveness in XX/XX/2019 and have received no follow up communication regarding results. I am being told that a timeline for completion of this process is " impossible to provide ''. Fed Loan is the servicer.
Consumer complaint received 2019-04-29
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

XXXX XXXX XXXX. DATE OF MEDICAL PROCEDURE AND/OR COLLECTION PERIOD IS BEYOND THE TWO YEAR STATUTE OF LIMITATIONS UNDER ARKANSAS STATE LAW. PLEASE REMOVE. 

REQUESTED ACCESS TO VALIDATE THE DEBT ON OR BEFORE XX/XX/2018 VIA CERTIFIED MAIL. ACCESS CREDIT FAILED TO PROVIDE THE REQUESTED INFORMATION INCLUDING THE ORIGINAL BLUE INK SIGNATURE TO CONFIRM THE DEBT. PLEASE REMOVE.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I have reached out to experian, XXXX, and XXXX multiple times regarding a fraud alert placed on my credit file. XXXX has complied and removed the fraud alert. 

Experian and XXXX does not want to comply and remove the fraud alert form my credit file. There are phone numbers within the credit freeze that do not belong to me. I have never used the phone numbers the credit bureaus have under my name. I would like for these fraud alerts to be removed from my credit file immediately. I have tried getting credit under my name and have been denied due to this fraud alert. This is unethical as i have never asked to have a fraud alert on my credit file
Consumer complaint received 2019-07-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Management Services, Inc. (NE)

I called today after never having gotten a bill since well ever I had been given a summons back on the XXXX tried calling to see whats up finally found out who and where this debt collector is credit management inc in XXXX XXXX nebraska anyways called today lady on the phone said I need to pay attorney fees which even in the summons states they can't collect ( I have it recorded if that helps ) after I asked she became real rude and back pedaled she also would not give me a straight answer just for the sake of asking I requested whatever the total amount would be she kept saying XXXX plus some amount she does not know which makes me really question how I should know if this is even a legit thing. Last of all I don't even recall going to this place they say I got treatment but yeah can they just hang over my head an undisclosed amount? I looked it up and seems like they really exist but there is multiple issues even a class action lawsuit against them for violating stuff.
Consumer complaint received 2019-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Ive been with boa for 15 years and this is no way to treat a long time customer. When my grandmother got her ss check XX/XX/XXXX ) she wrote me a check for {$100.00} for the money she owed me. Well on XX/XX/XXXX I have a {$100.00} and a {$12.00} chargeback fee. Apparently her check had bounced. Well my aunt ( whos always cleaning up my grandmothers messes ) turned around and wrote me a check for {$200.00} so I wouldnt have any negative impacts bc of my grandmothers bad check. I see today XX/XX/XXXX that boa has extended the hold from XX/XX/XXXX-XX/XX/XXXX. Thats a total of 13 days they are holding this little {$200.00} check!! Are you freaking kidding me?? Not only did I get charged a {$12.00} fee bc of HER bad check but now I have to wait 13 days for {$200.00} to be available to me? Today XX/XX/XXXX I spoke to 1 cs rep and 2 mgrs. All 3 said same thing- nothing we can do. Im beyond XXXX and want this resolved ASAP!!
Consumer complaint received 2018-04-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Home Loan became owner of my XXXX XXXX XXXX XXXX loan when XXXX XXXXXXXX was in trouble. Loan type : 30 year Conv Adj Rate, 27 years 5 months/Interest rate 6.125 % ; first time home buyer XX/XX/XXXX. 
XX/XX/XXXX I was able to refinance at a 24 year and 11 month adjustable, interest rate 3.375 %. 
In XXXX I applied with B of A Home Loans endlessly for both a mortgage reduction, when refused I tried refinancing my existing loan to a fix rate interest. Spent hours submitting documents ( which were lost more than once ) speaking with representatives, email, standard mail, B of A Home Loan Portal correspondence. After months I finally gave up trying. 
My current adjustable interest increased in XXXX and XXXX. 
My payments have increased from $ XXXX in XXXX, to $ XXXX in XXXX, to my current payment of $ XXXX. 
Clearly an adjustable interest means my payments have increased and will continue to do so. 
Had B of A Home Loan wanted to help me when I first approached them, I wouldn't be in this situation. 
My honest feeling is that B of A wants me to foreclose on my property to reap the financial benefits. Their representation has been less than stellar. XXXX XXXX is the last representative I tried to work with.
Consumer complaint received 2019-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/19, I was unable to see all three of my free credit reports from XXXX XXXX XXXX.action. I was only able to view my XXXX credit report when the site froze up. I could not refresh or go back. This was for my free annual credit check. Now, I have to wait a year to see my credit from the other two bureaus. Absolutely, this site is a scam.
Consumer complaint received 2018-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

I am with XXXX XXXX ( R-ID ), Chairman of the Senate Committee on Banking, Housing, and Urban Affairs in demanding answers from BofA and XXXX about their recent anti-gun activity. I quote his XX/XX/XXXX comment : It is deeply concerning to me, he wrote, when large national banks which receive significant forms of government support and benefits, use their market power to manage social policy by withholding access to credit to customers and companies they disfavor. 

XXXX also raised the issue of the banks collection of personally identifiable information ( PII ) and how it might be used to monitor and deny financial services to individuals and companies who are engaging in completely legal and, in this case, Constitutionally-protected activity. He additionally sought further information about the banks restrictive firearm policies and any other legal transactions, industries, and businesses they disfavor, prohibit, or boycott. '' I am very concerned if banks seek to replace legislators and policymakers and attempt to manage social policy by limiting access to credit. I have been a BofA customer for years and will look into changing my banking.
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 
Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 
I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Accounts XXXX i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX i I do not make this inquiry. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, WA XXXX
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (FL)

This company called me without sending a letter regarding a debt from BB & T or XXXX and I have never made any transactions or business with this company. Therefore, I request that this company stop and cease all communication methods with me. Additionally, I request you to delete this account from your company and that you remove from XXXX, XXXX  and XXXX  if you reported this account to them.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (OH)

My wife and I attempted to transfer {$200000.00} from our KeyBank savings account to a Fifth Third Money market account on XXXX via a KeyBank Official Check ( copy attached ). On XXXX XX/XX/2023 we received a letter ( copy attached ) from XXXX XXXX informed us that our account was on temporary hold : Confidential information that check XXXX not be paid. In a XXXX XX/XX/2023 letter XXXX XXXX states : Reason for hold on deposit : Confidential information that check may not be paid by the paying bank. It appears from the letter that XXXX XXXX Bank is stating that KeyBank for some confidential reason XXXX not be paying the check, however we request that KeyBank investigate and provide details and clarification why the check was not paid. After all we paid {$8.00} to have this check processed by KeyBank and a very large sum of money was subsequently held from us for an unreasonable period of time. There is absolutely no reason why this information should be " confidential ''.
Consumer complaint received 2015-12-16
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: First Data Corporation (MA)

I received an alert on my credit report that a hard inquiry was made to my credit report by a company called " First Data Merchant Services ''. I immediately recognized this to be a fraudulent inquiry and attempted to contact First Data to alert them to the fraudulent activity and close the account if one had been opened. I found a customer service phone number and talked to a representative who told me I needed to speak to the Security Department. I was transferred. The call went to voicemail and I left a message explaining the situation and left my phone number. After receiving no call back for XXXX days I called again. Over the next week I called First Data 24 times trying to speak to someone who could address this potential fraudulent activity. I was always referred to the same " security '' desk who never answered the phone and never returned my call. It has been three weeks and i 'm still yet to be contacted. 
This company issues credit card processing machines to merchants. Someone has potentially opened a fraudulent account using my personal info and this company can not or more likely will not contact me to attempt to resolve. As frustrating as identity theft is, it isnt nearly as frustrating as a company like this who gives them the ability to perpetrate then gives no ability to the victimized consumer to address. Furthermore, I was unable to obtain an e-mail or mailing address to either the security department or legal department to send a letter with my concerns. I asked agents as well as their website. Not one email or mailing address is listed on their website. Please address this criminally negligent company.
Consumer complaint received 2024-03-27
Product: Credit 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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

We submitted a dispute to USAA for a XXXX we ordered from XXXX XXXX XXXX XXXX on XX/XX/2023. We had charged the XXXX to our USAA credit card for the amount of {$1800.00}. We submitted the dispute within the required time frame. We ordered the XXXX  by way of the XXXX XXXX XXXX website. We paid for the XXXX  on the website through XXXX and the money went to XXXX XXXX. We received a confirmation from XXXX XXXX XXXX XXXX saying they sent the XXXXXXXX to us and provided a tracking number with XXXX XXXX. We looked up the tracking number on the XXXX XXXX website and it said the XXXX was on its way. It didn't arrive within the time period so my husband contacted XXXX XXXX XXXX and they said it was on it way. We entered the tracking number again in the XXXX XXXX website and it said the XXXX was in New York and on its way. We never received the XXXX. We entered a dispute with USSA and provided them with correspondence that we had with XXXX XXXX XXXX. In addition, we provided emails, text messages, and copies of messages we entered in the XXXX XXXX XXXX website and XXXX website. As of today, we haven't received our XXXX or our money returned to us. USAA after receiving all the above-mentioned documentation declined our dispute stating the information was insufficient. There is nothing insufficent about our dispute. We ordered a XXXX  with our USAA credit card for {$1800.00} and never received it.