davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am appalled at how the system works. So here we go. I had a score of XXXX plus. One of my businesses is XXXX XXXX XXXX and as such I personally had to hold mortgages in my name because they wouldnt give me business credit. So I had many mortgages on my credit report when I say XXXX many I mean more than XXXX at one point. I struggle when the market crashed and investors bailed out by the thousands. I took the hit on my credit and struggled through it. Wow talking about demoralizing and humiliating a person. 

So anyway, I work through it and get my score up to lets say XXXX with all the debt I am carrying. So now the business starts to be where I am able to take draws and I pay my debt down or off and my score goes down. Not by a little but about XXXX or so points. Help me understand how this is possible. I have now paid off over XXXX in debt and my credit score goes down. 

In addition during the time the housing market crashed I had credit cards which went into collection and were in suspense from XXXX and the debt collectors tried to put it back on my credit report as current. 

This is a joke. Their were errors in my name and places I have never lived my social was not correct.. Really and they are profiting, I have a problem that all XXXX Bureaus are not required to report exactly the same information, Why would a person get XXXX different scores if they When I don't use them my score goes down. When I use them I'm overextended. 

I also the Financial World discriminates against XXXX XXXX XXXX  in general. The are the most scrutinized industry their is. We have to provide leases, insurance policies, profit and loss statements, Tax Returns, etc. No other industry has to provide the nuts and bolts of their businesses. I.E. A Drycleaner individual receipts, number of racks they purchased, how many hangars they used, A Supermarket individual receipts how many can of corn they sold, how many cans of beans, etc. See the differeence. 

My point is that I want the bureaus disbanned. They serve no useful purpose. I have XXXX in home debt for a home I ; ve been in since XXXX, I owe XXXX on my car and XXXX on my credit cards and because of the information Equifax, XXXX and XXXX have reported I was denied a loan because my SCORE didn't meet their criteria. I have XXXX in XXXX XXXX XXXX. RIDICULOUS! 

I believed I have been damaged by the inaccurate information and algorithms that the XXXX bureau use to compute consumer XXXX scores. 



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Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have been a victim of Scam Call who posed as a Law Enforcement Officer and scammed me of {$10000.00} in the form of XXXX Gift Card.  Within few hours of sending the information to the scammer, I realized it is a scam and immediately called the bank to stop the transaction. The bank said they can not stop the transaction unless the merchant can stop it on their end. I called the merchant and they said they can not do anything unless the bank files a fraud complaint.I called the bank again to file a fraud complaint and after several calls and many hours of hold, the bank declined to file a fraud complaint. The bank said the fraud complaint will be declined and they don't think filing a complaint will be efficient use of their time. In spite of immediate actions after finding out about the scam, I am rendered helpless in stopping this scam from taking place because nor the bank or the merchant are ready to assist me in anyway.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My Bank of America Credit Card was paid off in full at the end of XXXXXXXX XXXX XXXX  according to the current statement balance, so I was under impression everything is paid off and I don't owe anything to the Bank of America. To my surprise, I checked my account and XXXX weeks after I paid of my balance Bank of America charged me and Interest fee of {$210.00}. When I tried to call a representative she told me that their rule is that your balance have to be paid off for XXXX  months in a row. So basically BOA charged me Interest on {$0.00} balance. Completely illegal and predatory activity, that need to be prosecuted.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (GA)

These inquiries have been added to my credit report without my authorization! 

CITI CARDS XXXX XX/XX/2023 SYNCB/DKS XX/XX/2023 XXXX XX/XX/2023 I disputed them with the creditors and credit bureau but they remain on my credit report!
Consumer complaint received 2017-08-27
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: AES/PHEAA (NV)

Dear Sir or Madam : This item American Education Services/XXXX XXXX ( AES ) Student Loan Account is inaccurate because this account is not a joint account and was not reported on my credit report until I began making payments to the account on behalf of my ex-wife. The account was opened on XX/XX/XXXX and did not begin reporting on my credit report until XX/XX/XXXXwhen I contacted AES/XXXX XXXX at XXXX to make payments. This account was never on my credit report prior to XX/XX/XXXX. While attempting to get AES/XXXX XXXX to remove this account from my credit, associates told me that I could not change the repayment status ( apply for deferment/hardship ) if I went back to school or had any other qualifying deferment situation. The only person who could apply for such status change is my ex-wife. This account is solely in her name, however they now list it as a joint account on my credit. 

AESXXXX XXXX also increased the balance of the account by XXXX dollar without notifying my ex-wife which I discovered through XXXX XXXX which resulted in my credit score decreasing XXXX points. 

I have contacted AESXXXX XXXX and asked them to remove the account form my credit and they refused. I filed complaints with the three credit  reporting agencies and I am not satisfied with the outcome of their investigations. I sent certified letters to AESXXXX XXXX and XXXX detailing why this account is not a joint account and not in my name. I attached copies of Credit Report Prior to XX/XX/XXXX ; Credit Report as of XX/XX/XXXX ; XXXX XXXX Payment History and Bill Payee Account Info ; XXXX XXXX XXXX Call Logs.
Consumer complaint received 2023-06-08
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. (AZ)

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX  XXXX XXXX Balance : {$470.00} ; XXXX  XXXX XXXX Balance : {$430.00}.
Consumer complaint received 2023-08-15
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (TX)

Subject : Complaint and Claim Against American Express for Identity Theft and Fraudulent Accounts To Whom It May Concern, My name is XXXX. I am writing to submit a formal complaint and claim against American Express regarding a case of identity theft and fraudulent accounts opened under my name. The unauthorized use of my personal information has caused significant financial and emotional distress, and I am seeking your assistance in resolving this matter. 

Identity theft occurred between XXXX and XX/XX/2022, during a period when I was outside the United States for visa renewal purposes. While I was in XXXX renewing my student visa, someone maliciously exploited my personal details, including my name, date of birth, and Social Security Number, to fraudulently apply for credit cards and apartments. Despite these criminal activities being carried out using their own address and contact information, I was completely unaware of these transactions until the damage had been done. 

The specific fraudulent American Express credit cards that were opened under my name are as follows : XXXX. XXXX XXXXXXXX XXXX XXXX card with approximately {$6000.00} in expenses. 
XXXXXXXX XXXX XXXXXXXX XXXX with approximately {$2000.00} in expenses. 

Upon discovering the unauthorized use of my identity on XX/XX/2022, I promptly took action to mitigate the situation. I contacted various credit card companies and apartment complexes to report the identity theft and initiated a police report through https : //www.identitytheft.gov. To address the immediate concerns raised by the fraudulent activities, I contacted American Express on XX/XX/2022, seeking guidance and resolution. 

Regrettably, the response I received from American Express was far from satisfactory. Instead of taking responsibility for the fraudulent accounts, I was advised to pay the minimum payments to protect my credit score while an investigation was conducted. Believing that this would help safeguard my financial standing, I followed their guidance and made payments on the aforementioned fraudulent accounts. 

Despite my cooperation and adherence to their instructions, I have encountered further difficulties in rectifying the situation. While American Express did address the derogatory information related to the Amex Blue Cash Everyday card following the submission of evidence and a police report, they have unjustly refused to acknowledge the fraudulent nature of the Amex Platinum Card. This refusal is in direct contradiction to the advice I received from an American Express representative who explicitly stated that I could pay the outstanding balance to mitigate the impact on my XXXXredit score.
Consumer complaint received 2022-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

My account had been in paid ahead status for many years and I just realized what this was earlier this year. After researching and learning that any extra amount for each payment I made was not being placed toward the principal and instead was being held for a future payment so more daily interest was accruing on a higher principal, I requested this to be changed. I told aes that I wanted all payments where I paid extra to be applied to the principal, not future payments. AES said I needed to request paid ahead status be removed from the account. I requested this on XX/XX/22. My account has changed back to applying my extra payment amounts to future payments rather than current principal on XXXX occasions since I made this request. They havent applied those payments which I have already made to the principal as requested. I have had this loan since I was XXXX XXXX XXXX. I took it out my first year of college after high school and was always taught that if you pay extra on your loan, even XXXX XXXX a month, it pays down your principal and you pay it off faster. I was very surprised to learn about how these payments are applied. It seems unethical that these loan companies are able to do this and wrong that they keep changing my account back and doing this repeatedly after I ask them to stop.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (FL)

I paid off this card in XXXX XXXX XXXX. Shortly after, in XXXXXXXX XXXX XXXX I've contacted them via both their messaging system on their website, and via their phone number to close this account. The last person I talked to on the phone stated that they had indeed closed my account back in XXXX of XXXX. I pulled my credit report on XX/XX/2023 and the account still shows as open. I contacted the company again and they simply dismissed my message with no resolution.
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (TX)

I noticed a collections on my credit report on ( XX/XX/2021 ) for the amount of {$300.00} The account was opened on ( XX/XX/2021 ) apparently. 

The lender was a company I've never heard of, Claiming I took out a loan in a different state. 

The lender refused to cooperate with any investigation as to who opened an account with them in my name. 

The lender will not tell me what the loan was for, or show proof that I was the one who opened the account. 

Apparently whoever opened the account had my SSN and that's good enough for them. 

It's an obvious scam. 

The Lender assures me that if i just give them a little bit of money they will go away and I won't have to worry about them any more.
Consumer complaint received 2022-04-12
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: Self Financial Inc. (GA)

There are two accounts showing on my credit report that do not belong to me, self lender & XXXX XXXX. I contacted the companies and self said to put in a report and credit one said they are looking into it. There are also inquiries on my credit report
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Through my bank, XXXX XXXX there is a creditwise feature where you can check your credit score. While checking my score I got an alert from Experian that an address was associated with my SSN. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX I do not know this address but apparently they are using my SSN
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

XXXX shows an inquiry on XXXX. I DID NOT APPLY for credit for this service or account. XX/XX/22 XXXX XXXX shows an inquiry on XXXX. I DID NOT APPLY for credit for this service or account. XX/XX/22
Consumer complaint received 2022-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WEBSTER BANK, NATIONAL ASSOCIATION (WA)

In XXXX, I made excess contributions to my XXXX account at XXXX. Early in XXXX prior to the tax return due date for XXXX, I requested a withdrawal of the excess contributions made in the XXXX tax year ; this was processed on XX/XX/XXXX. The form they provided for requesting this return had no way to indicate which tax year the withdrawal was for, and they attributed this withdrawal to the XXXX tax year instead. I mailed this form prior to making any contributions for the XXXX tax year ( with the exception of some contributions incorrectly applied to the XXXX tax year which were subsequently reversed ). 

Upon contacting them today ( XX/XX/XXXX ) immediately upon receiving my tax forms from them, they indicated that XXXX excess contribution withdrawals are always applied to the current tax year, which is incorrect, and refused to correct the tax year for this entry. This resulted in my tax liability increasing by {$7.00}. 

Please see attached : XXXX. 2021 year tax forms from XXXX. Note that a line item is available for " Excess contributions plus earnings for the XXXX tax year that were withdrawn in XXXX '', but the withdrawal is incorrectly categorized under " Excess contributions plus earnings for the XXXX tax year that were withdrawn in XXXX '' XXXX. Statement listing excess contribution withdrawal, with no indication as to which tax year it was applied to XXXX. Excess contribution removal request form, with no way to indicate the tax year it applies to
Consumer complaint received 2022-01-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (IL)

I need your help negotiating with a mortgage company engaged in what I believe is deceptive practices. Let me briefly describe the situation. My wife and I have been devastated within the last 8 years by the loss of both sets of our parents to XXXX, as we were their primary care takers. Shortly after my wife battled XXXX XXXX and just recently went into XXXX. Coupled that with the cost associated with graduating two children from XXXX XXXX, and XXXX XXXX Universities. In addition to her receiving her XXXX 's and me a XXXX XXXX and we still have our youngest son scheduled to graduate from XXXX University in XXXX 

After enduring tremendous hardships, financial burdens and Covid -19 we went into foreclosure. But, we were financially able purchase home before auction in XXXX. But, in what I believe to be deceptive practices by the mortgage company. To steal our home we owe {$160000.00} on a {$280000.00} loan they switched mortgage companies at least three times. Each time not taking calls or returning emails. Finally, I was able to explain to the Judge at the last hearing how evasive they have been and she saw fit not confirm the sale of my home back to the same bank and gave me 60 days to negotiate with the bank. Now I'm still getting the run around from the law firm and the bank about starting negotiations. Meanwhile, I have a verified mortgage approval letter in hand. I want to schedule a meeting asap. 

Regards, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

XX/XX/2022- Experian I noticed two address I.D number that don't belong to me. 
Address ID # XXXX Address ID # XXXX These addresses are not on my Experian credit report. Why are these creditor reporting this on my credit report? I have attached a copy of my most resent credit report which shows my previous and present address along with the address ID 's in question.
Consumer complaint received 2022-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

The scoring system makes absolutely no sense. I reduce the balance on my credit cards and my score declines?!!. The disparity between XXXX and equifax is approximately 40 to 60 points if not more. There are address ( s ) on my profile where I never resided. I applied for a credit card and what was reported was different from what Equifax has recorded. This agency reeks havoc. It is beyond horrendous. This agency needs investigation AND STRICT OVERSIGHT ASAP.
Consumer complaint received 2022-01-29
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. (CA)

There is a discover account on my Equifax report that was opened fraudulently. XXXX and XXXX have already blocked this account but Equifax has not done so.
Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Marlette Funding, LLC (AL)

Mislead by the terms of Best Egg and XXXX all the information was falsely given about the terms and late fees its predatory calls against A XXXX women they treated me so bad.. I lost my job due to COVID -19 please please help me
Consumer complaint received 2022-01-29
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. (GA)

My name is XXXX XXXX and I am a victim of identity theft! Please remove these inaccurate accounts immediately. I did not authorize these accounts. I'm unable to get a job in the career I worked hard for. This is starting effect my goals with purchasing a home and effecting what I'm able to do and provide for my family and as I have a baby on the way. This is defamation of character.
Consumer complaint received 2022-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (VA)

I Opened a new Citi Business Checking Account Within 30 days of account opening, made a deposit of {$30000.00} into my account. 
I maintained that balance for 60 consecutive calendar days. 
I am still waiting for my {$700.00} bonus