davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-02
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. (OH)

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate .My name is XXXX XXXX XXXX , please delete all other variations. 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I AM SELF EMPLOYED AS XXXX XXXX XXXX XXXX. 
DBA XXXX XXXX XXXX.
Consumer complaint received 2018-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (AZ)

I have been trying since XX/XX/2018 to close my XXXX XXXX secured credit card with XXXX XXXX, I called them in early XXXX and was told I could credit not close the account over the phone. I sent a letter asking them to close my account and correct my payment history they sent me a letter back saying that my history was correct I then called them again and asked to close my account and was once again told I would need to submit it in writing. I sent another letter telling them I was in az because my daughter has XXXX  XXXX and I could not afford the card any more at this point I was not 30 days late but I did have a XXXX dollar late fee added to my balance. they still will close my account and now my balance has went from XXXX to to XXXX dollars and 60 days late.
Consumer complaint received 2022-07-25
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. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be Block. Per FCRA segment 605 CREDIT BUREAUS are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider Credit Bureaus responsibilities. 
XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$700.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2018-09-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ORG GC GP BUYER, LLC (CA)

I want to file a complaint against GC Services Limited Partnership, XXXX XXXX, XXXX, Tx. XXXX. For the past 6 years I have been attempting to arrange repatment of defaulted student loans. The company has harassed myself and my family members even though I have reached out on a regular basis to resolve my debt. My parents wound up paying them {$13000.00} to resolve all my debt and they took it and said it only applied to one loan and that I still owe 35000+ in debt. They have threatened to take 15 % of my pay even though I pay XXXX monthly directly to the Dept of Education. Over the years I have contacted the dept of education directly to complain and request that my loans be transferred to another company, and was informed this could not be done. I feel depressed when I hear that there is no resolution to get my loan out of default status no matter what I pay. They told me I could pay them directly the XXXX  dollars instead of paying the dept of education directly and I should have known there was a catch. Now they are sending me letters telling me I have to sign away my rights to fight any current or future garnishments in order to maintain my curreny agreement. This company has countless complaints online and has also been sued by the FTC. They are not providing fair services and make people feel completely worthless and hopeless. I want my loan transferred to a new company and I want my loan pulled out of default status so I can continue to pay monthly without future harassment.
Consumer complaint received 2018-09-02
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: JPMORGAN CHASE & CO. (CA)

I disputed a {$500.00} charge on my Chase credit card by XXXX XXXX ( XXXX XXXX of XXXX XXXX ), an attorney in XXXX XXXX, CA, for legal services she did not provide. I retained her on XX/XX/2017 to evict a tenant who was not paying rent. Chase dismissed my protest and upheld their decision upon appeal. 

Ms. XXXX alleges that she filed an eviction complaint with the court on my behalf but she would not provide me with a copy of the complaint, despite repeated requests, nor was the complaint reflected in the court 's online system. Accordingly, after giving her proper notice, I terminated our agreement on XX/XX/2017 and asked that she return the {$500.00} fee. She refused to do so. 

I filed a complaint with the State Bar of California ( attached ) and they ruled in my favor and issued a warning notice to Ms. XXXX. 

Chase refused to accept these facts and simply stated that Ms. XXXX did, in fact, file the eviction complaint and thus my dispute is not valid. 

Chase misses the point. Because Ms. XXXX was unwilling to provide a copy of the complaint, I terminated our agreement and thus lost valuable time in the eviction process.
Consumer complaint received 2018-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I was offered a credit card promotion on my purchase, that if I make a purchase then I will pay back before XX/XX/2018 and I will not be charged any increase in percent interest. I was making regular monthly payments and additional payments toward my promotion. I spoke with many representatives before and they all told me that I can make payments towards my promotion on any day, I just have to mention that payment should be applied towards the promotion. I had no problems up until this month. I made my regular monthly payment and several days later, I called to my credit card and made an additional payment for the promotion. A couple of days later, I checked my balance on the promotion and it didn't change! I called them and asked what was going on and they said I should check it in a couple of days. I checked 2 days later and nothing had changed. I called again and now they tell me a different story : they applied my payment as a regular monthly payment for next month ( next month hasn't even started ). I spoke with the supervisor and she started to tell me that she can't apply my additional payment until I pay for next month as a regular payment. This is an outrage!
Consumer complaint received 2018-09-02
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. (NV)

Recently joined a monitoring service and noticed fraudulent account reported from XXXX XXXXXXXX in the amount of {$5000.00} to TransUnion This account is fraudulent does not belong to me I have reported this account in which I have attached document.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (AZ)

Deposited {$30000.00} cashiers check 3 days ago - the first overnight they made the initial transaction AND 10 more including additionally warning me of being overdrawn - then the next morning blaming ME!! {$2000.00} disappeared for 24 hours. After 4 hours of discussion the missing {$2000.00} reappeared and 10 transactions disappeared. It got fixed overnight the next day. Now the correct deposit amount is showing as on hold with no verbal commitment of any availability and on the system ( app ) XXXX. Another 7 days away. 

I have asked to cancel the deposit and give me my check back. They will not respond.
Consumer complaint received 2022-07-10
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. (MS)

To who this may concern, I am writing to express my concerns with the conduct of XXXX, Equifax, and XXXX. In XX/XX/2021, I noticed that some unauthorized information was being furnished on my consumer report without my permission and equally as importantly without my knowledge. After studying federal consumer rights and the many laws that govern them extensively, I became aware of the blatant violations of my consumer rights. Shortly after the discovery of the violations, I sent a number of dispute letters requesting or even demanding that the above credit reporting agencies, removed this information because it was affecting my ability to obtain various means of credit that I know undoubtedly could improve my family 's livelihood and financial stability. Each time they would state that information was already investigated and they didn't have to repeat an investigation or that it was just verified. But never offering any verifiable proof that this actual transaction or encounter took place. My question is who gave these Credit Reporting Agencies the authority to determine independently that the word of a third party was more important than the actual consumers. By law, consumer reporting agencies are supposed to investigate all information prior to even furnishing any of it on the consumer 's report. Pursuant to 15 USC 1681b ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, the consumer never gave them any instructions to do any such thing. One of the most recent documents I sent to each of the credit reporting agencies was a notarized Affidavit of Truth. In which I demanded they have a Senior Executive Representative create an Affidavit and address it to me, where it states I granted them permission to furnish my report ( see attached ). They sent me a generic response which is not an acceptable response ( attached ). An Affidavit has to be rebutted by an Affidavit " line by line ''. They failed to do so to that. I can't stress enough how unfair this is to me as the consumer. I am highly disappointed but not surprised. They are clearly undermining me as the consumer.
Consumer complaint received 2022-07-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC (FL)

The company United Wholesale Mortgage is reporting my private information such as account history to 3rd party agencies, such as the Credit Reporting Agencies XXXX, XXXX, and XXXX which who are all defined as private and not a government agency. I did not receive opt out disclosure or was notified that I can opt out of having my private information shared.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

- XX/XX/2019 Unauthorized credit card payment of {$7800.00} issued from my Bank of America account to XXXX XXXX. 

- XX/XX/2019 Unauthorized credit card payment of {$2300.00} issued from my Bank of America account to XXXX XXXX  Credit Card. 

- XX/XX/2019 Requested to stop another incoming unauthorized credit card payment from my Bank of America account to XXXX XXXX Credit Card. 

- XX/XX/2019 Fraud Claim was filed to Bank of America. 

- XX/XX/2019 Fraud Claim was denied. 

- XX/XX/2019 Identity Theft Report from FTC ( Federal Trade Commission ) and Complaint Referral Form from IC3 ( Internet Crime Complaint Center by FBI ) were sent by fax and certified mail to Bank of America Fraud Department.
Consumer complaint received 2019-05-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Miller, Stark, Klein and Associates (OH)

Left a voice main on XX/XX/2019. Said in the voice mail, " Attempt to contact you at home address has been unsuccessful it is very important that you speak with our office. Please press one now to speak with a live agent or to contact our office at a more convenient time. Phone number that you can reach someone is XXXX-XXXX-XXXX-XXXX. Your cooperation in this matter is required ''.

Did not say my name, who the company is, or what this is in reference to. The original phone number that called me is XXXX-XXXX-XXXX.
Consumer complaint received 2018-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TN)

Paid off XXXX XXXX on XX/XX/XXXX, which went to XXXX XXXX in the amount of {$980.00}. Account number for Convergent is # XXXX. XXXX XXXX account number is # XXXX. They refuse to remove this from my credit as they agreed to do so! 
Now apparently there was another account with XXXX I had no knowledge of which doesnt list the account number from XX/XX/XXXX which went to collections with XXXX XXXX ph # XXXX. I paid on XX/XX/XXXX, what they asked {$380.00} and they refuse to remove it from my credit. Conf # XXXX I have submitted proof on the disputes and they are not cooperating!
Consumer complaint received 2018-09-02
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)

On XX/XX/2018 XXXX XXXX hit me with a hard inquiry for getting a XXXX XXXX   card. Before I got said card I had asked about any hard pulls as I did not want one. The sales man assured me there would be none. Later on when I noticed the hard pull after talking to a few customer sales reps who were on able to assist, I was able to talk to a supervisor who understood that I did not want any hard pull on my account otherwise I would have never got the card. The supervisor at XXXX XXXX I believe her name was XXXX agreed to remove the hard pull from my file. She said it would take up to 15 days. For some reason this hard pull is still on my file.
Consumer complaint received 2019-05-03
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: Navient Solutions, LLC. (GA)

In XX/XX/XXXX I noticed that their was an incorrect reporting on my XXXX credit report. This negative reporting according to XXXX 's online access stated that this account was negatively noted on XX/XX/XXXX and on XX/XX/XXXX, two days later my score dropped by 34 points. Although I was not aware of this reporting until XXXX I immediately notified the Furnisher of this error and I was informed that this error would be removed within several business days. I contact XXXX  and informed them of this upcoming correction and was informed to wait until the system updated and it would be corrected. After observing my account daily on XX/XX/XXXX the correction was made and the negative reporting was removed. Although it decreased my score by 34 points immediately after reporting, XXXX only raised my score by 2 points once it was removed and corrected. On XX/XX/XXXX I contacted XXXX 's Consumer Affairs Department and spoke with a representative by the name of XXXX, who attempted on numerous occasions to justify what was clearly improper scoring record keeping towards my account as a consumer and basically dismissed addressing the matter. Their had not been any factors which could justify decreasing someone's account by 34 points due to a negative reporting and once corrected only increasing the score by 2 points. What this bureau has done should be illegal and addressed immediately because their actions is reeking havoc on my credit history and if not addressed I will get legal counsel involved to address my concerns.
Consumer complaint received 2022-07-10
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: Waypoint Resource Group, LLC (NV)

The XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX continues to report information on my consumer report. I have submitted documentation from the creditor, Waypoint in which they state that they would request deletion of the reporting of this account. Waypoint, once again, has not done what they've promised to do ; I'm having to chase down their reporting to all of these bureaus, some of which most people are not aware of, and end up with yet, another complaint here. As you will see from my correspondence, I've spoken to XXXX, and was told that they no longer have the debt and to contact Waypoint. Well guess what Waypoint : Here we are again! Everything is attached, including my correspondence to XXXX, Waypoint 's letter, and XXXX 's investigation results stating that they are still reporting this negative account on my consumer report.
Consumer complaint received 2019-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/XXXX I used my Debit card for a {$5.00} transaction. My balance at the time of this transaction showed apx. {$23.00}. 
The transaction was approved and the {$5.00} showed as a " pending '' amount and was subtracted from the available balance in my account. 

The very next day I was charged an overdraft fee for this transaction of {$34.00}. 

As I have stated in numerous discussions with Chase Bank customer service rep.,. if the money isn't available then the transaction can not be approved and processed, but in this instance, the {$5.00} was available therefore the transaction was approved and deducted from my available balance. 

Chase Bank made over 6 BILLION DOLLARS in overdraft fees in XX/XX/XXXX alone because of their dishonest overdraft policy.
Consumer complaint received 2018-09-02
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: WELLS FARGO & COMPANY (NY)

On XX/XX/2018 wells fargo hit me with a hard inquiry for getting a XXXX XXXX   card. Before I got said card I had asked about any hard pulls as I did not want one. The sales man assured me there would be none. Later on when I noticed the hard pull after talking to a few customer sales reps who were on able to assist, I was able to talk to a supervisor who understood that I did not want any hard pull on my account otherwise I would have never got the card. The supervisor at wells fargo I believe her name was XXXX agreed to remove the hard pull from my file. She said it would take up to 15 days. For some reason this hard pull is still on my file.
Consumer complaint received 2022-07-10
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

My credit report shows a closed account from XXXX XXXX that shows a balance of {$520.00} and its listed as a negative/delinquent account. This information is INCORRECT. That account has a {$0.00} balance and is NOT DELIQUENT OR NEGATIVE. IT IS PAID IN FULL AND IT IS CLOSED.
Consumer complaint received 2019-05-03
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. (TN)

My credit report shows a closed account from XXXX XXXX that shows a balance of {$520.00} and its listed as a negative/delinquent account. This information is INCORRECT. That account has a {$0.00} balance and is NOT DELIQUENT OR NEGATIVE. IT IS PAID IN FULL AND IT IS CLOSED.
Consumer complaint received 2018-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America chose to arbitrarily close all of my credit card accounts and is keeping the cash rewards that I rightfully earned. I received a letter at the end of XXXX advising me that all of my credit cards were closed due to high balances on other cards. I have never missed any payments on any of my cards ( whether with Bank of America or any other banks ... all of my credit card accounts are current and all payments have been made on time ). In fact typically pay the balances on my Bank of America cards in full with no missed payments so they have no reason to have closed my accounts. While I disagree with their decision to close my accounts, if they choose to do so, they need to pay out the cash rewards I have earned on these accounts. 

Further, they did not allow me a chance to redeem the rewards I have earned. I have called multiple times to try to get them to pay out, most recently on XX/XX/18, but they have refused. 

My rewards according to their website should be as follows : Card ending in XXXX = {$550.00} Card ending in XXXX = {$620.00} Card ending in XXXX = {$92.00} Total owed = {$1200.00} I will attach screenshots of my rewards balances on my 3 accounts taken from Bank of America 's own website on XX/XX/18.