davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (GA)

I paid my account off in full in late XXXX/early XXXX. I have been paitent in waiting for my credit report to be updated however after 3 requests and nearly 5 months they are still reporting that I have an outstanding balance and have are 60 days past due which was no longer accurate in XXXX. My Credit is now being damaged by their lies and I need it corrected. 

I called the company 3 times and made a request in the chat but after being on hold over over an hour was told that they wouldnt talk to me. I need this corrected ASAP. If they are doing this to me a paid in full FORMER customer who will never utilize their services again and will discourage anyone I know who looks at them as well, I can only imagine what they are doing to those who were effected by COVID.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: ClearOne Advantage, LLC (AZ)

In XXXX of 2016 I looked into filing bankruptcy as a way of clearing up credit card debts. Instead I chose to use a credit relief program. I spoke to XXXX XXXX at Clear One Advantage and I agreed to have them take {$430.00} out of my checking account every month to make settlements and pay off 4 credit cards. These cards were XXXX XXXX XXXX - {$2700.00}, XXXX XXXX XXXX - {$1800.00}, XXXX XXXX, {$15000.00}, and XXXX XXXX XXXX - {$7300.00} ( these amounts have all been rounded up ). Since starting this program, more than {$5600.00} has been taken from my account. My contract has been transferred from Clear One Advantage, to XXXX XXXX, to XXXX XXXX XXXX. I have never received an accounting statement from any of these companies telling me how this money was distributed, even though I have asked all 3 of them to me. I have received notifications from XXXX and XXXX advising me that settlements have been made - yet when I call each of the 4 credit cards I find that they have been paid nothing. XXXX told me that both XXXX XXXX XXXX cards have been paid off and that I should call the bank for a " settlement letter '' - the bank had never heard of a settlement letter and told me that they have not been paid anything. Neither have the other two cards. Where has my {$5600.00} gone? Why do they refuse to send me an accounting? Why has my account gone from Clear One, to XXXX, to XXXX? And why can I never get a direct answer from any of them? 
I believe I am the victim of a fraud and want to stop the automatic withdrawals from my account. But what are the legal consequences to me if I do that? I have talked to a lawyer about this, but can not afford to hire one. I am XXXX XXXX XXXX, XXXX, and on Social Security. I am being lied to and being defrauded by these so-called " credit relief '' companies. Can you please help me? 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX
Consumer complaint received 2024-03-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

My former roommate stole my cell phone and all of my personal records paperwork and then used my phone to enter my bank account and transfer XXXX to themselves and then after I reported the first fraudulent transaction chase bank let them steal another another XXXX by only XXXX  my debit card and leaving my online account open
Consumer complaint received 2021-03-05
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. (MD)

Equifax Credit Reporting is failing maintain consumer 's credit file with due diligence as prescribed within FCRA. 

( 1 ) Failure to remove Inquiries timely ( 2 ) Conducting fraudulent investigations ( 3 ) Failing to give consumers access to their credit file ( 4 ) Prejudicing consumer by reporting of what is known or should be know by Equifax as misrepresented information ( 5 ) Requiring information of Consumer 's Financial information that causes Consumer to be open to identity theft ( 6 ) Unable to get contact representatives in correction of file.
Consumer complaint received 2018-10-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had a man, XXXX XXXX XXXX, living in my home for approximately 9 months beginning in XXXX and ending in XXXX of 2018. He had access to all my personal information including my drivers license, brith certificate, social security number, my two sons social security numbers, and my grandsons social security number, and all my banking information including accounts and debit cards. Prior to leaving my home he put my name on a business account that he had with Bank of America and handed me a debit card listing me as his employee and I refused to accept this card. I never signed any documents with Bank of America. I live in XXXX Texas and I am a XXXX and XXXX XXXX/XXXX and I receive a large sum of royalty payments from XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX which are all companies in the oil and gas industry. Recently I stopped receiving checks from them and I was concerned that he could possibly have the royalties deposited into his account that he put my name on. Today I called Bank of America but I was unable to obtain information from them. The reason that Bank of America gave me was because they would ha e to speak with the account holder. This man has a history of serious XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. He also has stolen my laptop and he had my cell phone tapped. This man is planning on doing something very bad and I want to prevent that. I have closed all my bank accounts and opened new ones, changed most of my passwords, monitored my credit regularly, called all the companies that I receive royalties from, and even notified my post office.
Consumer complaint received 2022-02-17
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

XXXX violations : not mine : see attachments XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID XXXX XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX TX, XXXX Address ID # XXXX XXXX family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX TX, XXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TX, XXXX Address ID XXXX XXXX XXXX XXXX wrong names : XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX
Consumer complaint received 2021-03-05
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America, XXXX XXXX, and XXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00}. The Account Opened is XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

So I recently purchased a 2 cars, one for my wife and one for myself ... .. now according to the fair debt collections practices act / Fair shopping, I am allowed to shop for the best rate and ALL inquiries should count as ONE, this did NOT happen ... .... EACH inquiry counted as an inquiry itself lowering my score 12 different times!!!! this is not supposed to be and I think it should be corrected THIS IS A LAW AND THEY SHOULD BE FORCED TO ABIDE BY IT
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (CO)

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have  happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

My account abruptly closed on XX/XX/2022, after XXXX  years of banking with Bank of America in XXXX XXXX XXXX, XXXX, MA XXXX. After questioning the bankers about what caused my account to be closed, they told me " they can't tell me anything about the account '', I even spoke with a supervisor who wouldn't give me a reason why my account was closed. I also called the number that they gave me and still no answers. Today is XX/XX/2022, and I haven't received any information on why my account was closed. I also haven't received the funds that were in an account that equaled {$4500.00} at the time it closed. Please, I would like the CFPB to help me resolve this matter. 

Thank you, XXXX XXXX
Consumer complaint received 2020-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (HI)

Experian has failed to comply with the law and supply informationn requested. They did not respond to my letters and continue tor eport inaccuarrate information. 

Initial Official Dispute Sent : XX/XX/2020 Follow Up Dispute Sent : XX/XX/2020 Method of Verification Request Sent : XX/XX/2020 2020
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

I have a HELOC with JP Morgan Chase that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called JP Morgan to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXX, & XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. JP Morgan Chase also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.
Consumer complaint received 2022-07-22
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: National Credit Systems,Inc. (GA)

XX/XX/2022 The Credit Bureaus stated NATIONAL CREDIT SYSTEMS/ Account # : XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. The also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish the accounts on my credit report as well.
Consumer complaint received 2020-07-27
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: Nelnet, Inc. (GA)

On XX/XX/20 I received results on my dispute being proven accurate, I think it is incorrect. My credit score dropped 38 points because of my student loan which shouldnt have happened because of the covid-19 pandemic, no loans are required to be paid until XXXX due to the CARES ACT, so my credit score should not have been negatively affected.
Consumer complaint received 2022-09-15
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)

Filled FTC report sent copies to all three reporting agencies XXXX, XXXX, Equifax XXXX is the only credit reporting agency that cleared all of the identity theft XXXX, Equifax have not even after I sent copies of the police report to them and told them the personal information other than my name and Social security number was the only correct information they still refuse to remove a false address and a false phone number that was used in a fraudulent personal loan that shows up as an evening evening contact number to be called if someone tries to access my credit and they are unable to contact me at the only contact number I have or have provided to them this number shows up as an evening contact number for me on my fraud protection alert and XXXX will not remove this number after I demanded they remove it immediately and they are also saying that several of the creditors are reporting the false name address email phone numbers etc as being being correct when they were falsely given to the creditors to obtain credit cards and loans and the two credit Bureaus in question deam them to be correct according to their investigation and they are not
Consumer complaint received 2020-07-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (PA)

On XX/XX/2020 I went to deposit a check into the ATM at XXXX, OHIO. 
I am from XXXX, pa but was on my way to a friend 's house to spend the night. 
The ATM said " this service is not available '' after I pressed " deposit ''. 
I was furious!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
And then I called the horrid 800 number, and was on hold for 45minutes!!!!!!!!!!!!!!!!! 
That is totally unacceptable!!!!!!!!!!!!!!!! And it cost me XXXX XXXX a minute with my cell phone to boot!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
I had to drive all the way back to XXXX, PA, over 25miles one way to deposit in the ATM!!! 
That is the MOST HORRIBLE SERVICE I EVER EXPERIENCED IN AN ATM!!!!!!!!!! 
IF IT DOESNT WORK, SHUT IT DOWN, PUT A BLASTED SIGN ON IT!!!!!!!!!!!!!! 
THIS HAS HAPPENED AT THAT BRANCH MULTIPLE TIMES!!!!!! 
THOSE XXXX  THAT " WORK '' THERE SHOULD BE FIRED!!!!!!!!!!!!!!!!! 
HOW DARE THEY LET IT GO LIKE THAT AND NOT PUT UP A SIGN!!!!!!!!!!!!! 

FINE THEM AS MUCH AS POSSIBLE!!!!!!!!!!!!!!
Consumer complaint received 2018-05-02
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: First Direct Lending, LLC (NC)

I had a FHA Re fiance in process with First Direct Lending. The day before I was suppose to close ( XX/XX/2018) my signing got cancelled. I reached out to First Direct Lending several times via email, phone text. I got no response. The website was down and leaving emails for people to email, the phone recording was telling people to press certain numbers and it transfers you to a voicemail. I found out that First Direct had closed down without notice. Do they not have to finish the loans that had final approval waiting to close? This was all done with no communication with there clients. Its not fair that now customers have to start the refi process all over with another inquiry on there credit reports and providing endless amounts of documents. What can we do?
Consumer complaint received 2022-10-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (WI)

In XX/XX/2022 I received a notification that I had a new collections account from I.C. Systems Inc in the amount of {$98.00}. I have never received any communication from this debt collector prior to the information being placed on my credit report. The debt collector is unable to provide me with the original creditor. I do not have any knowledge of any accounts in the amount of {$98.00}.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Checkr, Inc (GA)

on XX/XX/XXXX i received a speeding citation at XXXX VIRGINIA and i paid it on XX/XX/XXXX. Now, on XX/XX/XXXX I apply Multiple of jobs i was denied those jobs because the employers said I did not pass my background report so i requested a copy of my report that is when I reach out the citation was reported on my background report. 

So when i riche out XXXX XXXX - XXXX XXXX they said that they never received the payment. then i end up making the payment again with interest. 

After i made the payment a proof payment was giving to me by the court. so i disputed it and i uploaded the documents giving to me by the court and i contacted XXXX MULTIPLE of times trying to have them remove the error on my report so that i can be able to get a job and i not getting though them still.
Consumer complaint received 2022-02-17
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. (FL)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Late/Open XXXX XXXX XXXX Balance : {$300000.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$21000.00} Late/Closed XXXX XXXX Balance : {$4900.00} ChargeOff XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} Collection XXXX XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$240.00} XXXX XXXX Balance : {$570.00}
Consumer complaint received 2018-05-02
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION (MS)

( 1 ) Filed for Modification for Mortgage Loan with Navy Federal Credit Union on XX/XX/XXXX ; ( 2 )  Contacted Navy Federal Credit Union about Modification. Faxed additional documents ; ( 3 ) XX/XX/XXXX faxed letter to Navy Federal Credit Union regarding status. No Response. 

( 4 ) XX/XX/XXXX faxed letter to Navy Federal Credit Union regarding status and requested written response. No Response. 

( 5 ) Telephoned Navy Federal Credit Union and was advised that a Representative would contact me regarding Modification. No Contact.

( 6 ) Faxed letter on XX/XX/XXXX to Navy Federal Credit Union regarding Modification Package. No Response.
Consumer complaint received 2024-03-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA will not allow my husband nor I to log in to our account. It continuously claims to be unavailable then circles back to the login/logon screen. We attempted to ask to speak to customer service but they refuse, claiming they need our login credentials in spite this being a login technical error. 

They will not allow us to speak to technical nor anyone. Yet, because of the insane login logon circle we are trapped in, we can't access our account as we could a month ago. 

Because of this circle of details questions that we might only be able to answer a few, we are not allowed to speak to ANYONE who might be able to assist. This issue is a bad circular nightmare. In the mean time, we can't manage our accounts.