davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was purchasing a car online from a reputable website XXXX The seller mentioned i could transfer half of the funds to him to secure deposit and for me to pick up once completed. 

He mentioned to use XXXX for the money transfer and at first I was worried about it but then realized it was a bank to bank transfer so i figured it was ok since the bank would have his info on file. 

I sent {$2500.00} to pay for car and then never heard back from the seller until he did say he received money. This was on XX/XX/2019. 

I tried calling Bank of America to cancel or hold funds and they said they couldnt because it had already went through to his bank. I thought since it was bank to bank transfer from BofA to XXXX XXXX that they could manage and guarantee fairness and legitimacy of it users like XXXX,
Consumer complaint received 2022-01-20
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. (NY)

I have a collections account on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below is the account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/2021
Consumer complaint received 2019-07-23
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: JPMORGAN CHASE & CO. (VA)

Chase Bank, now entered into credit reports as JPMCB, consistently adds hard inquiries to my report every year. I have 7 hard inquiries open at the moment. 3 of them are for Chase. I have never, ever applied for a Chase card. They say they can't do anything about preventing the hard inquiry, and that I have to dispute their mistake every time it happens. They don't ever actually offer the card, which is good, because they can't verify the info, but they still check the credit. Please, please help me make it stop. It shouldn't solely rest on me to fix this when it is a recurring error! This is my second CFPB complaint for this specific issue.
Consumer complaint received 2022-01-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (WA)

I disputed an alleged debt with Caine & Weiner. All of the consumer reporting agencies deleted this account from Caine & Weiner off of my consumer report. Caine & Weiner has since reinserted this unverified, inaccurate, alledged debt to XXXX again. This is a direct violation of the Fair Credit Reporting act. According to 15 USC 1681i ( B ) ( II ) a written notice must be given no later than 5 days after reinsertion. I never received any notice. Caine & Weiner also violated 15 USC 1681i ( B ) ( I ) which states that information cant be reinserted without the information being reported 100 % complete and accurate.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called Transunion on XX/XX/2017 about being a Victim of Inquiry Issue I spoke with customer service representative XXXX XXXX about these inquiries he was giving me an hard time telling me that I have to write the creditors for an deletions letter for removal when I did not authorization creditors in the 1st place this is not the 1st time Transunion don't won't to do their job! I am asking for them to remove all of my hard inquiries and there are about 60 to 70 hard inquiries on my credit right now ... I need help ASAP PLEASES
Consumer complaint received 2022-01-20
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. (NY)

I have a collections account on my credit report that I do not recognize and did not authorize. I am a victim of identity theft. Below is the account in question : XXXX XXXXXXXX XXXX XXXX  XXXX ORIGINAL CREDITOR : XXXX 
ACCOUNT NUMBER : XXXX COLLECTION OPENED : XX/XX/2021
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CT)

This past week, overnight, my Experian credit score dropped from over XXXX to XXXX. Experian has not provided with me a reason as to why this has happened. In my Experian account, I can see that all of my lines of credit are in good standing, with no outstanding balances, and payments made on time. In my entire life I have had one collection on my name, which was for a small amount and was paid off in 2019. In the last two years I have not opened or closed any line of credit. 

I reached out to Experian using every possible method ( phone, email, dispute form, etc. ). They have been unable to help me. With every attempt at contact I have made, they have responded with automated responses explaining why credit scores may change. They have not once been able to tell me why MY credit store dropped aver XXXX points. The phone number listed on the CFPB site for Experian does not help. You can't speak to a human, nor can you hear any automated menu related to dispute or incorrect credit reporting. 

I have exhausted every option to figure out why my credit score dropped by so much overnight. I have not been able to get in touch with Experian. My assumption is that my Experian credit score dropped in error, since my XXXX credit score is XXXX. 

I really need help resolving this. Please
Consumer complaint received 2019-07-23
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. (FL)

Hi, I'm relocating to New York and looking to purchase in a condo. I checked my credit score just to see whats was on my report because I haven't checked it in a minute. While checking my report I saw a XXXX XXXX XXXX on my credit that is not mine. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. This item needs to be deleted from my credit report.
Consumer complaint received 2022-01-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

On XX/XX/2022, I contacted via email Pen Fed Credit Union and requested an overview of my monthly required payment and a copy of my Promissory Note. I response was forthcoming other than an automated reply, which assigned me Case # XXXX. 

Having no response, on XX/XX/2022, I called PenFed and again asked for an overview of my payment obligations and a copy of my Promissory Note. I was told that the payment amount was {$1000.00} per month. However, I was not given any information about the terms of the loan agreement. I again requested a copy of my Promissory Note. None was forthcoming. 

Again, on XX/XX/2022, I contact Pen Fed via email and asked for a copy of my Promissory Note. I was assigned case # XXXX. In response, Pen Fed mailed my a copy of the Credit Agreement, which does not include the basic terms of the loan ( e.g., no information about the term, interest rate, etc. ) Pen Fed did not provide a copy of the Promissory Note. 

On XX/XX/2022, I again requested a copy of my Promissory Note and none has been forthcoming.
Consumer complaint received 2023-04-03
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. (MT)

I filed a letter with equifax in XXXX  a year ago letting them know they were in violation of15 US CODE 1681b ( a ) ( 1 ) ( 2 ) as i never gave them permission to report a bankruptcy on the credit report, i mailed them a letter from the bankruptcy court that said the court does not publish or sell that information. so the only way equifax & XXXX XXXX could have obtained my social security to verify it was me is if a third party obtained my information and social security number illegally which is identity theft and fraud. 2nd equifax is in violation of 15 US CODE 1681e ( b ) for accuracy as XXXX XXXX equifax and XXXX  are reporting completely different information about the bankruptcy and debts and collections. all of the collections were not authorized by me i never gave them permission to report these accounts. XXXX XXXX is also reporting incorrect information.
Consumer complaint received 2023-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MD)

They are inaccurately dictating my credit score and not giving me proper increase nor score, even when I paid off a few accounts and had a few fraud accounts removed they did not grant my proper increase and stuck me back at the same number within 30 days after those listed briefly accounts. They tried to correct it and somebodys two yet again illegally jumped in my personal business and tried to illegally take advantage of me and my human rights and wont fix what my credit is about. You give credit for a person to represent their self through raceism and integrity and where you come from verse what you do with your life and business.
Consumer complaint received 2022-10-06
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. (TN)

On XX/XX/2022, I got a text from Transunion saying an account was opened in my name. The problem is I have not open any accounts around that time at all. I am not seeking any credit at this time. The account that was opened was from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I called the company after I found their phone number on my credit report. They quickly closed the account but they then left the inquiry on my report which impacts my XXXX XXXX and I need that inquiry removed. 

The account was closed when I called the company and told them that was not me. They sent me a letter with actions to take to get it removed.
Consumer complaint received 2021-09-23
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. (MA)

Hello, Few months ago I realized there was incorrect accounts on my credit report, accounts on charge off status with incorrect information and a few other issues. I investigated and sent letters to the credit Bureaus it has been more than two months and they didnt answer and I checked my credit report and all this incorrect information its still showing on my report
Consumer complaint received 2022-12-02
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. (IL)

I called the XXXX Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/02/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected.XXXX XXXX  XXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXXBalance : {$1300.00}
Consumer complaint received 2024-03-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On low interest balance transfers and checks I sometimes use them to help cash flow. I used that and setup my monthly payment to make monthly payment. It was well above the minimum. I keep paying it but UNKNOWN to me they changed the minimum payment amount. I called and waited on hold for hour to hear that minimum changes are is computer generated and typical. I recall no notification. They sure can find me when they think something is incorrect charge but not when they want to charge fees and interest they do not find you. It took me a couple months discover this issues and the fees and interest was in thousands of dollars. I checked my credit score and it too was impacted. I very fustrated with they can do this. I immediately paid off CC and still no relief from them. Closing the account only hurts my credit score so they win. I need someone to help the individuals. 

This was with Bank of America cards.
Consumer complaint received 2022-01-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

XXXX XXXX XXXX XXXX with Navient. 

Navient has been charging me monthly for this private loan. It hasn't amortized any of my payments since 2014 and it simply keeps padding its interest. The loan had an original balance of {$14000.00} and now the balance is almost {$20000.00}, even though I have made payments that total over {$4800.00}, which of course is over 75 % of the loan principal. 

Navient is acting in a predatory fashion and engaging in usury. Its website fails to show an amortization table, thus, the borrower can not know about its illegal predatory practices, until he/she realizes that the loan balance never diminishes. 

I would like to Navient to apply at least {$4000.00} of the payments I already made to my principal and issue a new balance with the next payment due in XXXX, without any interest capitalization from now until XXXX, to ensure that all my payments are applied to the principal.
Consumer complaint received 2024-03-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC (AR)

Got a call from XXXX who takes care of customer complaints. Said everything was going to be figured out, it wasnt. They still have yet to send the paperwork for me to sign. Now im being referred to Foreclosure and cant even make my monthly payments. This has been going on for the last year. This is absolutely unacceptable and ridiculous.
Consumer complaint received 2022-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NJ)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XX/XX/2017 I, XXXX XXXX Federally protected Consumer and Natural person extended credit to Wellsfargo Bank using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent Wellsfargo a notice to cease and desist and a notice to validate the debt which they have failed to abide by. Wellsfargo Bank is now civilly and criminally liable for violating my consumer rights. Wellsfargo has yet to resolve this matter.
Consumer complaint received 2024-03-09
Product: Credit reporting 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, under 15 U.S.C 1681s-602 it states I have the right to privacy and this creditor has violated my rights. 15 U.S.C s-604 ( a ) s-2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-23
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. (MD)

I am a victim of identity theft/fraud. I have sent my FTC identity theft report and all other supporting documents that Equifax has asked for, yet I have not received an adequate solution. According to the identity theft government website, credit reporting agencies have to erase the fraudulent information within 4 days of receiving my FTC report, yet, Equifax is saying that it would be an additional 30 days!
Consumer complaint received 2019-07-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: MoneyLion Inc. (TX)

I saw a program " pave the wage '' advertised by moneylion bank in XX/XX/2019. I clicked the 'opt-in ' button on my phone and then it redirects me to a new page in my browser " XXXX XXXX XXXX ''. And I thought I'm all set but just not quite sure, thus I contacted the customer service and was told there is no way to tell whether I was enrolled successfully or not. So I just move forward and meet all the requirements posted there but unfortunately I haven't seen the open account bonus. Trying to contact the customer service couple of days ago, the response is they could not find my name on the list which means I'm not eligible for the bonus. It's kinda of a cheating, if they can not see my name on a 'list ', why they can not tell me the in the first place. Or it's just a glitch in their system. 

Attached documents show the details and terms of this program.
Consumer complaint received 2019-07-23
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. (MO)

XX/XX/2019, I discovered a negative item, ( XXXX XXXX XXXX ) has been reinserted into my credit file. You are Required by law to notify me within five ( 5 ) days of reinserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

The consumer law states that if the account was deleted as a result of a dispute then the credit bureaus are required to notify the consumer where an account is reinserted. And even moreso the FCRA reporting period have expired. So this was reinserted illegally
Consumer complaint received 2022-10-06
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)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2021-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, I reached out chime to closed services towards credit building because the company advertised if used your credit score will now then increased. However, this wasn't the case. XXXX reported to the Credit agencies on XX/XX/XXXX when it was supposed to be reported on the XXXX of each month according to their policy also I haven't owed them {$40.00}. XXXX offered a self credit building option where you can use a safe credit credit building where consumers would have the option to automatically transfer funds from checkings to fulfill any amount owed if any balance accord. However I didn't have any balance owed because I transferred XXXX towards the beginning of that month. When XXXX reported to Transunion my credit scored plummeted 48 points. XXXX never mentions consumers credit score have a chance of decreasing if used their services during reporting. I have called XXXX to close the account and requested to delete the account from XXXX and stop reporting from any other Credit Agencies such as XXXX  and XXXX. Afterwards I dispute the information with Trans Union. After disputing with TransUnion the account Still Remains on my credit report which doesn't give me accurate reporting not did the Credit Reporting Agency restored the 48 points that were lost despite telling them of my circumstances. After closing the account and no longer using their services XXXX still Goes forth with reporting to XXXX  and XXXX  despite if the account is no longer open several days, after.
Consumer complaint received 2024-03-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (NY)

2019 it was on my report its been XXXX years and its effecting my chances of getting a head in life and it is mentally draining and damaging to me and my family as I struggle and try to support them as best as I can