davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-01
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. (MA)

All three credit agencies are showing way off differences. I was using XXXX XXXX  to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. XXXX   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been XXXX on a payment and my score keeps dropping
Consumer complaint received 2018-09-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

All three credit agencies are showing way off differences. I was using XXXX XXXX to help with this issue. After cancelling my membership my credit score dropped tremendously without any changes. I gave. XXXX   cards cancelling me and lowering my available limit with no reason. Ive had inquiries removed and my score keeps going down. Something is not right and need to find out wgat is going on. Ive never been XXXX on a payment and my score keeps dropping
Consumer complaint received 2018-12-05
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. (ID)

there is no sufficient information to support Experian 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , UXXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX   ) XXXX, XXXX ( Original Creditor : MEDICAL  ) XXXX, XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX  ( Original Creditor : MEDICAL  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX   ) 3396**
Consumer complaint received 2018-09-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BBVA FINANCIAL CORPORATION (CA)

I tried to make payment with company and everytime I do so, it gets rejected. I don't have any troubles with no other credit card but this one. I called them several times, and was told they made an error of not getting my account number right from my bank to make the payment to there credit card. I received a bad inquiry on my credit report and lost more then 50 points to my credit report and also had 3 other credit cards drop my credit limit due to there mistake and tell the credit bureaus that I was 30 days late. I try to make payment over the phone and they don't take a mastercard debit card. I also tried to give them my routing and number and checking number and they said there system is old. I have to go to a branch and make a payment, which is inconvenient to me because its a 30 min drive from where I live and work. I think this bank is a joke and needs to get better service. I have documention showing I tried to make payment and then shows being returned and then company charging me a return fee. On my document I submitted there is a lot of return payments. Payment reversal dates are XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18. As you can see its every month and I try every month to pay. Please look at documents I uploaded.
Consumer complaint received 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

BANK OF AMERICA XXXX, XXXX, XXXX, XXXX
Consumer complaint received 2022-07-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 instructions.
Consumer complaint received 2022-07-09
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 instructions.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-05-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (MN)

XXXX XXXX XXXX is an arm of the XXXX XXXX. I took out a {$700.00} loan ( # XXXX ) from XXXX  XXXX XXXX  in the summer of 2018 for medical bills, because my credit score doesn't qualify me for a traditional loan. I was unaware of the triple digit interest rate which is in violation of Minnesota law and that the loan is not licensed in the State of Minnesota. Furthermore, XXXX XXXX  XXXX said their loans are not germane to Minnesota. They issued a loan from a sovereign entity illegally to a resident of a sovereign  state.
Consumer complaint received 2018-08-31
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. (NJ)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-08-31
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. (MO)

The name XXXX XXXX was added to my Equifax credit report, I can only submit a dispute online which will not be accepted because the security questions now have nothing to do with me so i can not answer them accurately
Consumer complaint received 2022-07-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 instructions.
Consumer complaint received 2019-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I have applied several times for a Chase Bank United Airline Credit card and have been denied. Chase claims the denial is based on my having received too many credit cards in the past two years. However, Chase has issued two credit cards to my husband during the same period. I have had three credit cards issued in the past two years and my husband has had four credit cards issued during this same period of time, so the issue of too many credit cards being issued in the past two years does not appear to be a reason evenly applied to all applicants. My Credit Score if around 760, with no other disqualifying information. This appears to be a case of gender discrimination.
Consumer complaint received 2018-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (IL)

I came into this branch today to open a savings account after the security guard informed me that the banker was already late she told me that he had no appointments in front of me and that I would be the first person he saw it he came in the bank teller XXXX was late he immediately ignored me he went into helping other customers and decided to ignore even the security guard telling him that I was waiting on him for customer service and then began to still sit there and do whatever he wanted to I waited patiently going on XXXX upwards of 20 and 30 minutes away Ting I came up to the window and I told the young lady I said you know it at this point can I just close my account and withdraw my funds she told me I could not without speaking to a banker I said what I know I should be able to withdraw my funds without talks about 30 minutes now and she told me that I could not have to have a seat and then I said the lady that was sitting there threw up her hands very disrespectfully and walked away the branch manager with her little XXXX attitude told me that they were going to ask me to go to another branch because I was being rude and I told her what was rude was having the nasty late Banker sit there and ignore me while I was waiting going on 20-30 minutes for his service so that I can open a savings account and close my savings account at the same time I began to leave and me and the branch manager began to have heated discords back and forth with her being sarcastic and nasty and telling me to leave and when I asked who she was she just slammed her business card under the window at me and said what time the branch manager Etc the security guard began to in a threatening way hold her hand on her firearm as if that was supposed to provoke me to leave the building faster and which I told her that I was not scared of a XXXX all the cuz she had a XXXX she's not the only one with XXXX and things like that and I left with the same that actions like that is how people get shot XXXX Branch I've ever went to I went to another Branch immediately after and inform them of what happened and at first it was no problem with me opening my account and getting my funds for savings account and then after that I got a call some evening by some security for XXXX telling me that the bank was going to be closing my account because of the comments I made still without addressing any of their customer service issues so that is going to be handled in court on Tuesday I've never had such a nasty unprofessional unethical XXXX ran building Bank in my life one branch and BMO is siding with his XXXX employees as if I'm the villain in this and I did something wrong XXXX ridiculous
Consumer complaint received 2023-03-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (MT)

ENHANCED RECOVERY COMPANY XXXX {$1900.00} Account Information Address XXXX XXXX XXXX XXXX XXXX FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1900.00} Original Creditor XXXX XXXX  Past Due {$1900.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION<
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: M&T BANK CORPORATION (MD)

M & T Bank did not notify me in writing of a delinquent mortgage or called which I was co-owner of. This end up on my credit report and I learned this by checking my credit scores.The original owner was my ex-wife which I was devorce for over 20 years. Now deceased. 

My question is, can I get this delinquency removed. from my account because they did not notify me. I assumed the mortgage and paid the outstanding payments and penalties. But my score went from XXXX to low XXXX. 

I called them 3 months ago after finding this on my free credit report.
Consumer complaint received 2018-08-31
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

On XX/XX/2018 I was contacted by a male who stated he worked for loan care and then asked for my SS # and Phone password. I asked whom was calling. The individual then became rude and stated, " Ma'am I'm calling from your mortgage company and I'm pretty sure you've had to answer these questions before. What is your SS # and phone password? '' I replied, " No sir I have not had to answer these questions before and I'm uncomfortable giving out that information without knowing what this is about. '' He stated, " You can call back and get the information. '' I immediately went online to view my mortgage status as I believed the gentlemen to be a scammer based on his general rude and demanding demeanor. Not to mention I have never been contacted by mortgage company via phone before. I have always made my payments online and on time. Any prior communication via phone as been initiated by myself. 

Upon reviewing my account I noticed it showed that I had not yet made my XX/XX/2018 payment. I have attached both a copy of the email from my mortgage company, Loancare, and my bank statement showing that I had made my XX/XX/2018 Mortgage payment and it cleared my bank account XX/XX/2018. I would like to also point out that on Loancare 's email they have me making a payment of {$1500.00}. However, you can see by my bank statement that the payment made was in the amount of {$1300.00}. 
The difference in actual paid amount and what email Loancare is further evidence of Loancare 's deceptive trade practices. 

I called to find out what was going on and was told that I was a month behind on payments. As I spoke with the gentlemen reviewing my account he told me I never made a XX/XX/2018 payment. ( please see my bank statement as proof of XX/XX/2018 & XX/XX/2018 ). I tried to have the company review my account. However, each individual I speak to continues to read only what they see right in front of them instead of reviewing my account realizing their error. 

I need immediate assistance as this company is getting ready to put this bad review on my credit report. Any help would be greatly appreciated. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (RI)

I contacted Walmart ( XXXX ) because my new bill has fees/interest on it, saying the late fee I rec 'd due to holiday in XXXX was waived and I paid minus that {$70.00}, and can not understand more fees/interest. I was told, again, something is put on the balance increasing next month 's pymt plus because I only pay minimum they added interest. I said paying minimum is legal, I am unsure of what your doing or if it is legal. The woman said I pay too early and get late fees. I pay all bills around the XXXX with limited income due to XXXX XXXX. She said it reflects my billing cycle the XXXX. Again, I was advised to do what I needed to as they want the amount being charged. I seek your intervention with this. Thank you XXXX XXXX ( XXXX ) Walmart.com XXXX
Consumer complaint received 2018-09-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

My home is a VA backed mortgage and the new servicing company is called XXXX XXXX XXXX, in the past two months they have committed fraud, theft, lied, attempted to use my name to obtain and change my Insurance Policies, attempted to extort cash from me. 

They have lied numerous times all documented on a Gov recorded phones and to my Insurance company. They have been misleading me a XXXX Veteran and attempting to extort fund from me illegally. 

They have on now several occasions false called people using my name to obtain personal and private data in an attempt to defraud me and the US Gov is a Mortgage fraud scam. 

I urgently request a Criminal Investigation commence at once
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (PA)

In XXXX of this year, I filed a complaint with XXXX  regarding a fraudulent charge on my Chase XXXX card. As a brief aside, the charge originated in XXXX of this year. I disputed this charge with Chase in XXXX and they rejected the dispute in XXXX. I appealed their decision as I had a receipt. Another month elapsed without meaningful progress or a coherent explanation for the rejection, so I filed a complaint with XXXX. Days later Chase accepts my appeal and permanently credit my account for the difference between the receipt and the charged amount. Before I can retract the complaint with XXXX, I find out Chase has closed the XXXX account and XXXX has removed the account entirely from my credit report. Chase argued this was my fault because I indicated the credit line itself was fraudulent. As you can see from my documentation, this is not correct. I have spent the summer speaking with the Chase employees below trying to reopen the account and restore the lost chase ultimate rewards points. I'm here because I think they are truly powerless to make this right but have resisted pushing this issue to someone who can fix. At one point, I gave up on this and simply tried to reapply for the card. The system wouldn't accept my application because it is still showing up on my account. The following is a list of people at Chase who I've spoken to this summer. 

XXXX XXXX ext XXXX XXXX XXXX ext XXXX XXXX XXXX ext XXXX XXXX XXXX ext XXXX
Consumer complaint received 2023-02-23
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. (TX)

On XX/XX/XXXX and XX/XX/2022, I mailed dispute forms to Equifax, XXXX, and XXXX along with a copy of my valid ID, social security card and a utility statement. In my letter I requested correction of my personal information as well as accounts with ownership and reporting errors. ( Please see attached letter and dispute form. ) The three credit reporting agencies did nothing to verify, remove, correct or update to the correct information provided.
Consumer complaint received 2018-09-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OK)

Called to get in one driven repayment plan. Then when I looked up the interest racked on for a year was astronomical it was almost 4000-5000 added on to my loan that is absurd never had that much interest tacked in ever. It unfair loan practices. Have never got more than 1000 in interest. Tried to call and got around numerous times. There phone system can call you all day. When you try to call its a long wait. I waited 3 hours never got someone that could fix it.