davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NM)

Spoke to Home Depot to notify of passing of relative. Let them know there is no estate or will or anything to collect from. Now they are sending correspondence to the relative daughter to collect on the debt that has nothing to do with her.
Consumer complaint received 2019-02-13
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)

ATTENTION EXPERIAN DISPUTE DEPARTMENT I CAN NOT believe that Experian is STILL reporting the account XXXX XXXXXXXX XXXX : XXXX, although I have pointed out SEVERAL inaccuracies with this account. How can Experian verify inaccurate information as accurate? By law it is Experians job to ONLY allow accurate and correct information to be entered onto my credit report. I am challenging this account for the following reasons : Failure to perform an independent investigation per FRCA regulations Failure to correct, remove, or verify inaccurate disputed items Each credit bureau lists a different open date. Experian XX/XX/14, XXXX XX/XX/14. How is that accurate? 

I have no knowledge of this account and have never done business with XXXX XXXX XXXX so why does Experian list an open date of XX/XX/2014? How is this accurate? 
There should be no past due on a collection account yet Experian lists a past due amount of {$420.00}. How is this accurate? 

There should be no negative payment history on a closed account recorded yet Experian lists this account negative monthly. How is this accurate? 

The terms are inaccurate.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (VA)

I have or had XXXX Chase credit cards XX/XX/XXXX a master card and visa card that was sold to XXXX collection company. I went to court in XX/XX/XXXX and again in XX/XX/XXXX for both. The attorney did say he will dismiss the accounts that day. And they still put both into judgement even though I did appear in the courthouse. Since then I received from Chase a letter for the Master card saying they discharged it and I filed my tax papers for it, that was in XX/XX/XXXX. My Visa card is still showing a judgement and was sold to another collection company as of this year. No letter from XXXX about them selling the visa account. As of yesterday I received a letter from Chase Master Card advising me about collections Litigations and that they will no longer collect on the account. Why did they not included the Visa account as part of the ro-bo collections of the time in question? I am still not gainful employed do to being a caretaker to both parents since that same time. 
Please advise me as to my next step. Or my next step will have to be chapter XXXX.
Consumer complaint received 2018-11-13
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX.
Consumer complaint received 2019-02-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (WA)

loan XXXX  fha XXXX XXXX XXXX I paid trial payments of total {$7500.00} when Ocwen presented the permanent loan mod the terms were too high to and including the interest rate, total payment there's nothing in the trial payments that say Ocwen can keep my trial payments the loan is now transferred to XXXX XXXX wherein I will need to start a new loan mod request which will require a new trial payments
Consumer complaint received 2019-02-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (IN)

I called Account Recovery Services on XX/XX/XXXX to inquire about a Collection Placed on my Credit Report. They told me it was from a XXXX XXXX in XX/XX/XXXX and for a total of {$310.00} They claimed to have sent me a notice about this but I never received anything via mail or phone calls. I was then told they had the wrong phone number, either way I was never given a chance to dispute this and it just came up on my credit report out of nowhere on XX/XX/XXXX They gave me information over the phone but refused to send any actual physical paperwork to me. I'd be willing to pay to clear this up if it is indeed my debt, but I was told I won't be sent any paperwork saying that until I pay. And they will only send it via email and not a physical hard copy. They then wanted credit card payment over the phone right away and I'm not entirely sure this collection is even accurate. 

I've contacted the original facility that Account Recovery Service said this debt is from and they have no records showing any outstanding debt or even a visit from me during this time frame. I also contacted the hospital 's internal and external billing departments and no one shows any recorded visits from XX/XX/XXXX or any past due bills from that time frame
Consumer complaint received 2021-02-15
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. (OH)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$470.00} XXXX XXXX Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

My debit card was cloned and used to cash {$10000.00} worth of fraudulent checks in XXXX XXXX, California at a Chase Bank. I Immediately report this fraud to Chase and they started an investigation. This was elevated all the way up to the executive office in XXXX XXXX, Texas. We were not in California at the time and always had the debit card in our possession Chase has concluded that I am responsible for this fraud committed against me and has taken steps to liquidate all my assets they were holding in addition to pursuing additional collection activity. I am also looking into retaining an attorney to possibly litigate against CHASE..
Consumer complaint received 2018-03-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BBVA FINANCIAL CORPORATION (UT)

I opened a new account at BBVA compass a month ago ( or less than that ), and I decided it wasn't for me, and decided to just use a local credit union. I asked a rep on social media to close the account that was open for less than a month and he informed me that it would be {$50.00} ( XXXX for checking and XXXX for savings ). I do not want to wait six months. In addition, I want my account to be closed because there are so many negative reviews for BBVA and I'd just like to stick with my local credit union. I feel like this fee is unfair and unjustified.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The below accounts XXXX. XXXX - XXXX SERVICES XXXX DESERVE XXXX DISCOVER BANK XXXX. JPMCB - CARD SERVICES are listed as charged off on my credit report and these companies never sent me a XXXX cancellation of debt form and because of that, these accounts are inaccurate and has to be removed.
Consumer complaint received 2019-09-18
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. (MN)

My credit report is frozen. Recently I applied to XXXX for cable and internet service. Although I did not lift the security freeze, Experian provided to XXXX information from my credit report. What good is a security freeze?
Consumer complaint received 2019-02-13
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: Experian Information Solutions Inc. (NC)

Experian has refused to remove bad debts when they say they will. Been getting my credit reports every year they all say the same thing on when they will be removed now they jacked up my bad debts XXXX extra months. Why?
Consumer complaint received 2022-08-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) TRANSUNION CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Ive already included this report in my previous complaint & I am including it again. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THIS UNKNOWN ACCOUNT. 

XXXX XXXXXXXX XXXX XXXXXXXX Date opened XX/XX/2017 Balance {$990.00}
Consumer complaint received 2020-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

XXXX XXXX XXXX XXXX XXXX ( 13 minutes ago ) to Customer XXXX XXXX , Unbelievable answer to my question. 
I did the location search and the answer was " no locations found ''. 
That is why I asked you for a location. You did not respond, only sent me to your location finder again. 
Doing a little research, I did find the nearest location in XXXX XXXX, Va. XXXX which is about 250 + miles from my house. My question to you now is, how do you expect me to do business with a bank location that is 250 miles from my house? The Sun Trust location I used is 2 blocks from my house and there are 20 locations within 15 miles of my house. Not sure this was the correct action for my banking needs! 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

n accordance with the Fair Credit Reporting act XXXX  Account Names XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This complaint is against all three credit bureaus it has come to my attention that after contacting two or more credit analyzing companies and offering my credit reports over to them for a audit review they have discovered that people in the same exact situation as my credit reports which has less than 5 credits on it I've noticed that their scores are at least 25 to 35 % pointwise higher than the above 's also they discovered that all three credit bureaus were ignoring their own rules and regulations when it comes to identity theft alerts and putting information on to credit reports without verifying the legitimacy of a creditor prior to in conclusion the above wishes to submit a audit review to have the Federal Trade Commission look into the unfair practices of these three credit bureaus pertaining to XXXX XXXX XXXX XXXX credit file over the last 5 years thank you for your corporation. 
XXXX XXXX
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (IL)

A {$25000.00} check ( check number XXXX ) that I gave to my sister was cashed by her on or around XX/XX/2018 with funds deducted from my checking account. I logged onto my online banking with BMO Harris this morning and saw that an additional {$25000.00} was deducted from my account, and the same check from XX/XX/2018 appeared in the image. I called BMO Harris and created a case for it to be investigated, but I'm extremely unhappy that there was no immediate resolution given the fact that BMO Harris allowed the exact same check to be used twice. I would think that most banks have technology or software to prevent this from happening.
Consumer complaint received 2022-03-04
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. (PA)

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Consumer complaint received 2019-02-13
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. (KS)

I have sent this documentation to the credit bureau on 3 different occasions totaling about 60 days, and they are still reporting the inaccurate information. Several of the accounts appear twice, and have been paid and closed. They are showing open for collections with balances from XXXX XXXX.
Consumer complaint received 2019-02-13
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. (PA)

showing that this account was In Collections/Charge-off. That was never the case i've talk to the a few times on the phone and they said it shouldn't be reporting and it will be fixed but it never was.
Consumer complaint received 2016-08-31
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Receivables Outsourcing, Inc. (SC)

Receivables Outsourcing LLC ( XXXX ) continues to call even after I have requested they not call several times. They leave a message on the answering machine for my deceased husband, saying if this is not he to hang up. An answering machine can not hang up. The message goes on to say that by remaining on the line, it acknowledges to be the person they are calling. Further the recorded message states this is a call from a debt collector. ( This makes the information available to anyone who might hear the message ). This continues to happen weekly even though I have called several times and asked them not to call.
Consumer complaint received 2019-02-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Action Credit, LLC (TX)

Yes the problem is that we have been harassed by this company Action credit XXXX XXXX XXXX XXXX XXXX XXXX ... I was paying the loan payment on time all the time.. Until I was diagnosed XXXX XXXX ... I started getting XXXX .. I'm XXXX and I'm not denying to pay ... My partner went to the store not only that manger laughs about my sickness.. She said we are ungrateful that she gave us the loan.. She said we didn't have good credit. But Reason she's gaves loan was for her to meet accounts goal.. Other XXXX customers complained that she pushes them to renew accounts ... And that I'm lying about my sickness that hurt me so much that they I wish I wasn't .. The manager told my partner she was hiding her from her my partner showed her the pictures where I had XXXX XXXXXXXX XXXX times.. an XXXX XXXXXXXX from doctor ... The manager discriminates on XXXX people.. that's why my partner goes and makes the payment other store ... We have been getting calls from the corporate office harassing us..
Consumer complaint received 2019-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

XX/XX/2019 - Paid off one of my student loans. Still had several outstanding loans. 
XX/XX/2019 - * Receive a confirmation that above stated loan was paid off. Simultaneously receive an email that I have new Loan Repayment Terms ( received a letter ). The letter has the following as justification - " Your terms have been re-calculated due to a change in status ''. 
* Looked up the items reasons they declare that could cause this and I do not fulfill any of the reasons. 
* Call XXXX XXXX and ask the customer service rep to provide the reason they changed my loan repayment terms. She replies it's caused by the previously stated loan that was paid off on XX/XX/2019. I inform her this makes no sense, why would this impact my other loans. I request a copy of my previous Loan Repayment Terms and she asks me to go on hold. She eventually comes back and says the information she provided is incorrect and that XXXX XXXX incorrectly changed my Loan Repayment Terms. 
* As a follow up, i'm waiting for a new set of Loan Repayment Terms and a copy of the original ones as well. 

Bottom line - How on earth can they just change my loan repayment terms? I'm fortunate in that I've worked with student loans extensively but had I taken her word immediately, I would have operated on totally incorrect information. Furthermore, the letter they published should provide the justification for the change as opposed to a generic " many things could have changed ''. Why doesn't XXXX XXXX   get any sort of reprimanding for this sort of behaviour?
Consumer complaint received 2019-02-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Went to Bank of America on XXXX XXXX XXXX NC on XXXX-19 to cash a check written from a BOFA member to me and was told that they would not cash check unless i opened a bank account with them ... .This was told to me by the intern branch manager XXXX XXXX XXXX 
I told them that i did not want to open a account and that i just wanted to cash a check that was issued by their bank ... ..I was promptly told that if i did not open a account that i would have to leave and they did not honor check that was written to me ....

Can you please tell me if this is even Legal? 
Seams to be a predatory type of banking to me ... 
Thanks XXXX XXXX
Consumer complaint received 2023-01-18
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. (TX)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 2019-04-10
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. (CA)

XXXX HAS PLACED AN ACCOUNT UNDER MY NAME UNDER MY CREDIT REPORTS ( EXPERIAN. ) please i need your help to have this inaccuracy removed from my credit file.

i will be attaching the FTC report that shows i had been a victim of ID theft.

please have this fraud account removed from my credit file.

thank you
Consumer complaint received 2019-02-13
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: NAM National Arbitration and Mediation (TX)

On XX/XX/XXXX, I received a call about a civil complaint being filed on myself. I called them to receive the information and I was informed that I owed XXXX XXXX collecting on behalf of XXXX XXXX dollars ... ... from XXXX ... ... 18 years ago and to pay XXXX dollars now to settle or I would be sued. I asked for proof of the debt, and they told me they would show me when they took me to court. I called back and asked for proof of the debt again they repeated they would show me in court
Consumer complaint received 2016-02-05
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Commonwealth Financial Systems, Inc. (TN)

I have been trying to contact this company for the longest with trying to resolve this issue. They would never answer the phones ; I have also sent them plenty of letters at address XXXX XXXX XXXX XXXX, XXXX, PA XXXX and I also have been calling telephone number ( XXXX ) XXXX. When they first begin to call me I use to get people yelling through the phone telling me that my credit will stay bad if I do n't settle with them now. I would get calls back to back to back but now the phones call have stopped.