davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I worked so hard to get my identity theft information off of my account. I opened a new account with Capital one to bring my credit up and I am paid almost in full on the account right now. Initially, I opened the account less than 3 mos ago and they did not send my invoice so I did not know the first payment was due till i called and they told me I was ok. Had no other issues till I accidentally made a full payment on the account when I was trying to make a lower payment and the money was returned but I immediately made a payment. I looked at my credit report and it is reporting 30-59 days late on the credit bureaus.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is a joint saving account which has experienced fraudulent, electronic deposit ( 2 times, total of {$0.00} ) and transfer out of the account 18 times, total amount of {$31000.00} ). The fraudulent activities started on XX/XX/2019 but were only noted by us ( the account owners ) and continued through XX/XX/2019. The merchant name is listed as " XXXX XXXX : XXXX ID : XXXX XXXX '' for all transactions. We have never interacted with a company called XXXX nor a person named XXXX XXXX. These activities were noted by us on XX/XX/2019. We have filed a claim with our bank, placed two stop payments ( one of {$29000.00} which was what was already taken by the time we realized on XX/XX/XXXX and one for any amounts ) and it is currently being investigated by the bank. A hold has also been put on the account which only allows deposits into the account and not transfers out of the account. Attempts to directly address this with XXXX ( which is a bank ) have not yielded any results. They refuse to transfer us to a risk/fraud representative. They will only record the information above and " pass it on '' and do not promise that anyone will get back to us.
Consumer complaint received 2019-06-18
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. (WA)

I filed bankruptcy on XX/XX/2018 and it the US Bankruptcy Court discharged it on XXXX XXXX. XXXX and XXXX have correctly reported my bankruptcy and subsequent dates. However, Transunion is refusing to update my credit report to show that I have a discharged bankruptcy. So, my debt that was included in my bankruptcy makes it appear that I have a pending bankruptcy that has not been discharged. I have sent Transunion the discharge from the US Bankruptcy Court along with a bunch of other documentation and they still refuse to update my credit report more than a year later. 

Their only response to me is that my information was included in the court information received from their vendor. They will not provide the name of their vendor to me so that I can speak to them directly. They will not fix my credit report with the information I have supplied. They told me to speak to the court, which I did and was told that they do not send anything to the credit bureaus, but that I can be assured that my information would have been included to any vendor that receives updates from the US Bankruptcy court. 

I need help fixing this ASAP. This is my second attempt with your company to get this done. The first time you just responded that I would hear from the credit bureau, which I did, but received ZERO resolution ... just the same tired response that their information is accurate, which it 100 % is NOT!!! 

I need you to actually assist me this time. This has gone on far too long. The other credit bureaus are reporting correctly and Transunion needs to do the same.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank Of America violated Consumer Financial Protection Act, Unfair and Deceptive Practices, Consent Order 2022-CFPB-0004 related to Failure to conduct investigation on error notice, failed to provide credit to account and Applied Faulty Fraud Filter which resulted on denial of error claims to consumer accounts that reported unauthorized transactions. Bank of America with an on going Orders and subject to oversight by CFPB regarding certain Consumer Protection Law and Regulation. Bank of America still continue to deceive and unfairly treats reported notice of error which harmed consumers are left without redress or any resolution.
Consumer complaint received 2018-03-06
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. (CA)

I was applied online on XXXX credit card, after that I got a letter " we do not have enough information about you, send us copy of your SSN and prove address '', I did that twice by fax, first time from my job, second time from Chase bank office. 
In several days I got approved on my XXXX credit card and I was expecting this card by mail, but I got a letter " we closed your account because we don't have enough information about you ''. I didn't get a card at all. I went to the bank, manager told me that they can not tell me anything, they will send me a letter with explanation. 
I waited more than month and I didn't get anything. Then I went to the Bank office and spoke with manager about this situation, he gave me phone number appropriate department, I called them and they told that account was closed more than 30 days ago and they can not do anything. It means if I got a letter from Bank I in time, I would have a chance to handle this situation, but they didn't send me anything. 
Also I don't understand why they don't have enough information about me if I sent them SSN and PG & E statement ( prove address ) and they approved credit card but after they closed account with explanation " we don't have enough information about you ''. 
My credit score dropped down from XXXX to XXXX because of this situation.
Consumer complaint received 2016-02-19
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (WA)

debt collection by phone and now by mail. I have repeatedly explained to the caller I am not the person and do not know the person w/ the name similar to mine. They keep calling daily and now letters are being received. States It is a student loan debt from XXXX University.
Consumer complaint received 2021-06-10
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. (SC)

I have tried to work with the credit bureau 's for quite some time on repairing a negative account reporting by XXXX XXXX XXXX. On XX/XX/XXXX I notified the bureaus that the account is reporting a monthly payment on a closed account which still continues to report on my credit report. OnXX/XX/XXXX I submitted a direct to furnisher dispute advising them that the date of last activity is reporting inaccurately it reports : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX  ), and XX/XX/XXXX ( XXXX  ). On XX/XX/XXXX I notified the credit bureau 's that the date of last payment is reporting inaccurately it reports that the date of last payment is XX/XX/XXXX ( TransUnion ), XX/XX/XXXX( XXXX  ), and XX/XX/XXXX ( XXXX  ). On XX/XX/XXXX I notified the furnisher directly that there is a monthly payment of {$400.00} reporting to TransUnion and XXXX  on a closed account. Last but not least the payment history is reporting inaccurately it reports that I was paid on time ( XXXX  ) XX/XX/XXXX and 30 days late ( XXXX  ) at the same time.XX/XX/XXXX it reflects that I was 30 days late ( XXXX  ) and 60 days late ( XXXX ). XX/XX/XXXX it reflects that I was 60 days late ( XXXX  ) and paid on time ( XXXX  ). XX/XX/XXXX it reflects that I was late 90 day ( XXXX  ) and paid on time ( XXXX  ), XX/XX/XXXXit reflects that I was 150 days late ( XXXX  ) and 120 days late ( XXXX  ). It also reflects that I was late 120 days for the months of XX/XX/XXXX on XXXX. There is also activity reporting after the account was closed which from my understanding is a violation.
Consumer complaint received 2019-04-20
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. (MO)

I didn't realize that being a victim of fraud would take me through some many challenging obstacles such as fighting this hard to redeem my true identity back. The credit reporting agencies are still reporting unverified, unauthorized accounts inwhich is unconstitutional and against the consumer laws of the FCRA. I will be also filling with the FTC if this is not corrected immediately. I've written to all 3 of the major credit agencies to provide me with the Method of Verification, inwhich should include a certified physical signed contract and mailed to me. However, if this can not be vertified by these means then this accounts shall be blocked from my credit report immediately and permanently. The accounts I'm demanding to be removed are : 1 ) XXXX XXXXr XXXX 2 ) XXXX {$XXXX} 3 ) XXXX XXXX XXXX {$680.00} 4 ) XXXX   {$XXXX} 5 ) XXXX XXXX XXXX {$30.00} 6 ) XXXX XXXX {$140.00} 7 ) XXXX XXXX XXXX {$680.00} 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX
Consumer complaint received 2019-06-18
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: SLM CORPORATION (VA)

On XX/XX/XXXX, my daughter applied for a fixed rate student loan from XXXX XXXX. The Loan, " Smart Option Student Loan, '' was for the amount of {$12000.00} with an interest rate of 9.5 %. The total finance charge for this loan was {$7000.00}. On XX/XX/XXXX, my daughter and I ( the cosigner ) received a letter from XXXX XXXX a letter stipulating an error. In this letter, XXXX XXXX states that the 'Total of Payment ' based on the interest rate will be {$45000.00}. The letter provide a Final Disclosure, in which it describes the loan to be a variable rate pegged to XXXX, with a note stating that the loan will never exceed 25 %. Upon contacting XXXX XXXX to obtain clarification, XXXX XXXX denies sending such letter and the new 'Final Disclosure. ' Instead, XXXX XXXX sends loans documents never previously sent or seen by us at the time of the loan application. The loan application was processed online, including signatures. The process did not offer a viable way of obtain physical copies of the online transaction. In fact, the amount of {$45000.00} was never presented during the application process. Had this amount been show or presented during the loan application, my dauther and I would have not proceeded with the signing of the loan. My daughter and I have contacted XXXX XXXX several times to resolve this matter at no avail.
Consumer complaint received 2019-06-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (IN)

I am a breath away from bankruptcy. I enrolled in a debt management program that is helping. I have XXXX, XXXX, XXXX extra income. I already made an agreement with evil incarnate Navient for the private loan. I simply can not and will not pay more. 

They typically call 3-4x per day, and I already have them hard blocked on both XXXX site and a 3rd party app that hangs up, but they keep calling. 

Today XXXX 3 calls XXXX 6 calls! ABSURD! 
XXXX 2 calls XXXX 3 calls CEASE AND DESIST! My next step will be to change my phone # to an unlisted private #. Navient needs to get it through their heads that repeated calls will not change circumstances!
Consumer complaint received 2019-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC (NM)

On XX/XX/XXXX when applying for mortgage loan Credit Bureau report showed in XXXX that an account with XXXX from XXXX had not paid off. This account was sold to XXXX XXXX for the amount due for {$270.00}. This account was paid off in full to XXXX XXXX on XXXX XXXX. I have evidence of amount paid from my account at XXXX XXXX XXXX. I have notified through phone calls to both XXXX and XXXX XXXX of inaccuracy of report on XXXX asking for resolution of inaccuracy. Filed fraud and dispution of report on XXXX. This has had a negative effect on my credit scores and needs to be addressed and resolved.
Consumer complaint received 2019-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

To whom it may concern, Couple months ago, I got in touch over the phone with Macys Credit Card and set up a payment plan to get a promotional interest fee reversed due to expire time frame. I spoke to a Customer service Representative named XXXX and his employee is # XXXX ( XX/XX//19 ) and he helped to set up a new payment arrangement and gave two months to pay over the amount owe. This was back XXXX/XXXX/19, He gave me two payment amounts which will cover my promotional payments and my regular revolving expenses. In order to get all the interest back, I need to pay {$8000.00} within next two months from XXXX/XXXX/19 and another $ XXXXto cover all and pay in full my card. I was told to called whenever make my payments which I did However I was not given what I was promised. I make the total payment of the interest fee promotion and the rest of the balance didn't go down as Promised which leaving a higher balance. I called multiple times with long waiting times and giving same information over and over again. This is a negative and misleading information promised to customers like me. Until now, I have unpaid balance even though I called and complained many times. All my calls were recorded and they can go back and listened what it was promised.
Consumer complaint received 2019-06-18
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. (NV)

I AM A VICTIM OF AN IDENTITY THEFT, I HAVE COMPLAINED TO EQUIFAX AND I HAVE SUBMITTED MORE THAN ONCE MY IDENTITY THEFT REPORT AS PROOF OF IDENTITY THEFT. I HAVE ALSO SEND THEM THE INFORMATION FROM THE CIVIL CODE FCRA 605B ( 15 U.S.C. & 1681c-2 ) WHICH CLEARLY STATES THAT FRAUDULENT ITEMS SHOULD BE REMOVED/BLOCKED WITH IN 4 BUSINESS DAYS. I HAVE CALLED NUMEROUS TIMES AND I HAVE SENT THEM ALL REQUIRED DOCUMENTS.
Consumer complaint received 2023-05-31
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

In XXXX of 2018 Bank of America charged my XXXX  account with fraudulent charges. Due to this I have not been able to open a bank account for years and cant save money efficiently. I tried to explain I was lied to and was unaware of the fraudulent activities on my account. I
Consumer complaint received 2019-06-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Crown Asset Management, LLC, Duluth, GA Branch (NJ)

I received the first letter dated XX/XX/2019 from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It was the first time I realized that identity theft occurred. Upon this letter, I sent them a dispute letter to notify I am a victim of the identity theft on XX/XX/2019. I have reported the idendity theft to CFPB, local Police department, and FTC. I have done everything I could. Finally, FTC gave the procedure for me. The first step that FTC recommend is to call XXXX XXXX and to ask them to remove the fraudulent account. I went to XXXX XXXX XXXX  instead of calling, and asked them about the auto loan account number.The bankers whom I contacted said there is no account with my name and SSN in their ( XXXX XXXX ) account history. I asked a confirmation letter which states that there is not any account my name and social, but they said, " No, because the account number is not existed. '' Today, I sent express priority mail asking the account applications made on paper, online, or by telephone, and any record including payment history, phone number to access the account, signatures on applications, and the copy of ID when the account was made using the address, and investigators report. 
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and thier client Crown Asset Management have never sent the account application. The account in XXXX XXXX does not exist. It means those company made a fraudulent account without my permission. They got judgement ( {$6100.00} ) using the address I have never lived, and then they sent the first letter regarding the judgment debt to me. What should I do next? I am waiting to hear from the court, because I filed a Motion to vacate the default judgment on XX/XX/2019.
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ALLIANT CREDIT UNION (AZ)

I was looking for a credit card last year. They returned my call at a terrible time to go over my application. They said due to legal regulations they needed my wife 's social since arizona was a community property state. I told them I didn't have it, and I didn't want her name on it or her to have a card, he was very pushy. I told him I had to go and to just forget the whole thing, and if I wanted a card later I'd call back. When I got home I forgot all about it because I remembered I already had a credit card from another bank. ( After making some financial mistakes in my past, I don't really use credit cards any more other than to repair my credit so I can buy a house. We are getting ready to buy a house now, and I see that months later he actually did approve my application and give me a credit card which I do not want, or need and it hit my credit. The recording of the call will plainly show that I did not want them to proceed with the card and declined it yet it was opened.
Consumer complaint received 2019-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequoia Financial Services (CA)

This debt was paid in full by my insurance company when XXXX XXXX billed them. During my office visit I was told that everything would be covered by my insurance and I would only be responsible for a copau, I paid {$130.00} in the office for copay and an arm brace, my insurance paid the rest. Months later the dr 's office sent a separate bill and billed me again for the same visit they were already paid for by insurance, I have only visited the dr. Once. I researched online and there are multiple complaints about XXXX XXXX getting paid by insurance and still billing his clients. This is fraud!
Consumer complaint received 2019-06-18
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. (GA)

Please be advised this is my SECOND COMPLAINT and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

PLEASE DELETE THE FOLLOWING ACCOUNTS XXXX XXXX/XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I signed up for a " TransUnion MySmartmove '' account at www.mysmartmove.com, which is a rental screening service operated by TransUnion, in order to have a report generated for a potential landlord. The report combines TransUnion credit history, eviction history, and criminal history. I answered all of the identity verfication questions online, successfully created an account, and a report was provided to the landlord. However, MySmartmove does not provide a copy of the report to the consumer through the website. Only the landlord can access the report on the website. Instead, they direct the consumer to call their XXXX number to request a copy of the report. I called the XXXX number and the representative wanted me to send my personal information along with a copy of my driver 's license via email to " XXXX ''. I informed her that it is not secure to send personal information through email, that they should not be asking customers to email personal information, and that I would not send my information via email. I requested a mailing address to send my request, but the representative first claimed that she did not know the mailing address. Finally, after speaking to the supervisor, I was provided a mailing address to send a request in writing. Additionally, I was informed by the representative that the report provided to the landlord is not even the same report provided to the consumer when the consumer makes a disclosure request. I'm initiating this complaint for the following reasons : ( 1 ) TransUnion MySmartmove should provide to the consumer a copy of the report that is identical to that provided to the landlord ; ( 2 )  TransUnion MySmartmove should provide this copy to the consumer via the consumer portion of the website, just as they provide it to the landlord via the website ; ( 3 )  TransUnion MySmartmove should not request consumers to email sensitive personal information ; and ( 4 ) TransUnion MySmartmove should provide their mailing address to send FCRA disclosure requests on their website.