davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

XX/XX/XXXX, XXXX Filed with Bank of America XXXX XXXX XXXX Denied XX/XX/XXXX Account charged {$160.00} On XX/XX/XXXX, my debit card number was compromised. As I was about to enter a store, I received an alert on my phone that a charge was denied because the zip code was incorrect. I immediately checked my account and noticed that there were other charges that I did not make that morning. I immediately called Bank of America and told them what was happening. As I was on the phone with the representative, we saw additional charges coming through. She was able to stop them at the time it happened. She reversed the other charges and opened a claim. In the next few days, a box was delivered to my home. I didn't order any of these items. I would get periodic messages from Bank of America saying that there was an update to my claims, and to view in the message center. There are no detailed messages in the message center, which is difficult to locate and access. I was checking my account today, XX/XX/XXXX, and noticed that my account was debited for {$160.00} and there was a claim attached to the debit. I clicked on the note and saw that the credit was reversed. The message center said that the claim was denied with no additional details. I call in and they said that the merchant was able to provide my name and address from my account and that the vitamins were delivered to me. They were, but I did not order them, nor have I opened the box or used them. Bank of America asked me if I contacted the merchant ( XXXX  ). I said, for what? I didn't order the vitamins and I have no dealings with this merchant. It's very obvious that someone was using my debit card and trying to make sure that they had the correct information to continue making purchases. They proceeded to ask me if someone in my house could have purchased it. No one in my home ordered the vitamins or knows anything about the company. The follow-up was for me to FAX a letter explaining what? The same information that I already gave them. I'm filing a complaint because the fraud was obvious and my account is either protected from fraud or it's not. If it's not, then they need to say this and they would need to implement additional safeguards to protect their clients
Consumer complaint received 2022-08-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (NJ)

I requested a refund for my federal loan paid on XX/XX/XXXX with the amount of {$2100.00} through EdFinancial services. I submitted this request on XX/XX/XXXX. I called back on XX/XX/XXXX to ensure that this refund request went through in their system, however, the representative told me that there was no existing request on my file when I called a second time. 

After submitting a request for the second time, I made sure to ask if there was a confirmation method. However, they mentioned no confirmation method is made and I can not request an email confirmation. I have reason to believe the loan servicer EdFinancial is lying to their customers about requests being inputted into the system and lying about not having a confirmation method. 

I would recommend customers call XXXX times to ensure their requests are submitted, because clearly they are not logging every request made.
Consumer complaint received 2022-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Experian Information Solutions Inc. (IN)

Someone opened a credit card with XXXX XXXX XXXX in my name XX/XX/XXXX and spent {$1200.00}. I was notified by XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (PA)

MY NAME IS XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST
Consumer complaint received 2022-08-31
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: Albert Corporation (NY)

Hi XXXX, XXXX, ( Albert Support ) I am writing to alert you of an issue with Albert Support.

Albert Support reps lied to me about my cashback ( repeatedly promising that it will be available ) only for the cashback to not be credited, and when I raised the issue, the not only did not apologize for their behavior and chose instead to defend the lie. 

I wasted a lot of time/effort on this, and I have suffered irreparable damage as a result. Please let me know how the customer rep can simply lie and get away with it? 

Thanks
Consumer complaint received 2022-04-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MS)

I have reached out to Fair Collections & Outsourcing several times since XX/XX/2020 ; asking them to send me any information validating that I owe Fair Collections & Outsourcing for the alleged debt of {$1300.00}. They have yet to send me any validating proof that I owe them in the amount of XXXX for such alleged debt. I am asking the CFPB to hold them accountable in removing this alleged debt from ALL 3 major credit bureaus as this erroneous debt is hindering my ability to receive a modified mortgage at a better affordable rate.
Consumer complaint received 2022-04-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (OK)

XXXX XXXX XXXX sold products to me for home. One item ( a dishwasher ) was taken back to store. The financing company XXXX XXXX. did not acknowlege the item. Even after XXXX had contacted several times on having the merchandise IN stock returned and out for sale. XXXX kept charging and drafting from our bank account because we were on auto draft. I had to ask for a refund because of the mistake. 
The same thing happened the second month. So, I had to ask for a return again. 
I took my account off auto draft for the item not being returned or recieved in acceptance. 
XXXX Had been notified several times with months going by. XXXX has been listing on credit late payments or no payments.. Damaging our credit when we were trying to buy home. This has prevented us from buying one or credit going up. 
This still has not been fixed. Its a never ending problem. THe manager from XXXX and assistant manager at XXXX and XXXX XXXX XXXX has been advocating for us. But, still no fix. Please help us with a resolution. i also have had over 60 emails and 45 calls in 3 months of problems which is excessive due to the situation.
Consumer complaint received 2024-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank has wrongfully restricted my account due to legally changing my name, which is complete and legal, and they have all necessary documents to prove a legal change took place and to verify my identity under the new name. Despite this, they have claimed my social security account doesn't match the name on my account ( it does ), restricted my account and closed my credit card information. They also restricted/closed my accounts nearly a week before the deadline they gave me to resubmit all necessary information ( which I did before the deadline ). It has been weeks, and I am about to submit my documents for a third time in person. Considering changing one 's name is a common situation for many people for many reasons throughout their life, and all three major credit bureaus have clear, specific processes to report a name change specifically for gender identity purposes, not only is this conduct outrageous, it is pathetic and unacceptable that they can't hold themselves to the same standard as the major credit bureaus and simply create a nondisruptive policy for this, or even any process at all.
Consumer complaint received 2022-08-31
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-08-31
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-08-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc. (NY)

Nelnet has placed 2 disputes on my account and has wrecked my credit score to poor claiming i am delinquent over {$7000.00} on my account. I am completely up to date with my payments and have {$98.00} payment due in XXXX. This is totally unjustifiable XXXX on my credit history and as a XXXX XXXX  XXXX woman this is a horrible disruption in my life as I have new large bills to pay and absolutely do not welcome this extraordinary stress.
Consumer complaint received 2022-02-24
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-08-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2022 I received a new credit inquiry alert through Chase from a Georgia XXXX XXXX that I did not authorize. After calling the bank, alerting XXXX and freezing my SSN, I starting receiving letters in the mail from different bank accounts regarding attempts to open up multiple checking and savings accounts that I did not authorize.
Consumer complaint received 2022-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

There is an account from Bank of America reporting as a charge-off on my credit report. In XXXX, I submitted a dispute to the credit bureaus and pointed out a discrepancy in the date of last activity, and also stated that the date of last payment was missing. I also submitted a direct dispute to Bank of America. 

Upon checking my credit report again now in XXXX, the account has not been corrected or removed. 

If an account was closed because it was charged-off, how can it report a charge-off each month? This account is repeatedly reporting a charge-off every month. This is inaccurate and unfair reporting. 

How can this account be reporting without showing the date it was closed? If the date closed is not reporting, then it is unverified information. 

I am attaching a copy of my disputes to demonstrate that the Credit Reporting Agencies and Furnisher were notified that the Bank of America account on my credit report is reporting inaccurate and incomplete information.
Consumer complaint received 2022-08-31
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. (AR)

I have attempted two times to reach to all 3 credit bureaus in regards to my account issue. I have multiple fraud inquires and some fraud posted to my credit report I've been working on this matter for 3 months and have not received proper response from the bureaus on this matter. The following accounts below are deemed fraud and need to be removed : XXXX : XX/XX/XXXX XXXX : XXXX XXXX  XXXX  : XXXX US DEPT ED : XXXX XXXXXXXX  : XXXX XXXX : XXXX US DEPT OF EDXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

My account was used to fund fraudulent ACH transfers. I have no connection whatsoever to these transfers. The information used was information available on checks. Specifically only the routing number and my checking account number. I never authorized nor had anything to do with these transactions. Moreover the bank did not send me my statements in hard copy as requested. When the fraud was discovered the bank acted as if it was my fault. They were very difficult to speak with and would not even providw me a contact person or an email address to use. They were completely unreasonable and most specifically they would not tell me what security measures were in place protecting my funds. The transactions at issue were more than {$88000.00}. I suspect the bank did not employ the required security measures.
Consumer complaint received 2022-08-31
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: Experian Information Solutions Inc. (TN)

requested that experian remove XXXX XXXX from my credit report because it was fraudulent. i sent in a police report because my identity was stolen. this was not removed. I then sent a request for proof that it was my account, proof of what the vehicle was sold for and thus a true balance. I waited more than 30 days and never recevied that proof. I then sent notice that I had never received that proof and they have still not removed the account.
Consumer complaint received 2022-04-14
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I was initially approved for a debt consolodation loan I very much needed, but then it was renied because Experian told them XXXX different people had the same social security number. After contacting Experian about this I learned that my credit report was splintered between an old an new name which was preventing credit approval. I submitted name change documents, and supposedly it was fixed, but then I could no longer access my credit report or dispute information online and when calling them on the phone each department could only see one of the two reports and there was no consistancy there. 

Now, the history of my account shows that on XX/XX/XXXX my credit report was blank - no debts, no history, and a credit score of XXXX - but then on XX/XX/XXXX everything showed up correctly. Then on XX/XX/XXXX it was blank again. This see saw is preventing me from keeping an eye on my credit activity and it means that I can only see information around a week out of any given month. That in term has kept me from having the correct timing to be approved again for the loan I was trying to get to begin with. 

This situation has already caused my substantial financial harm since I am paying more than I otherwise would on accounts- more than twice as much, in fact- if this issue wasn't happening at all. 

Worse though is that I get no information from them. I'll spend upwards of XXXX hours talking to several people, then finally get a case number, but all they will say is that the issue will be escalated without a time frame on when it would be fixed. When I give them the previous case number and say that the last time they said the same thing and ask what happened with that they never have any information. They always say they will contact me, but never do, and are fully dismissive of the severity of this situation. When I tell them how upsetting this is they have actually told me, " You are upsetting yourself '' As you can see from the screenshot attached it says I currently have 0 debt and zero credit usage, even though I have a mortgage and over a decade of good history. You can see that on XX/XX/XXXX " You no longer have a XXXX Score '' then on XX/XX/XXXX " You now have a XXXX Score '' then on XX/XX/XXXX " You no longer have a XXXX Score ''. This shouldn't happen! 

I have a legal right to accurate information on my credit report with my current and correct legal name. I also have a right to access the correct credit report, but while this is happening I can only access this blank report so I am denied my right to file disputes. If they can't fix this I would like their legal contact information so I can sue them for damages related to this issue going on for multiple months.
Consumer complaint received 2022-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

I have an escrow account with CMG mortgage. CMG collected money from me for my property tax and homeowners insurance premiums, then failed to pay those bills on time. CMG removed the money from my escrow account, didn't sent it to the homeowners insurance company or the county property tax collection agency, and is refusing to refund the money to my escrow account. 

HOMEOWNERS INSURANCE : CMG claims to have mailed a check on XX/XX/22 to my homeowners insurance agency. The premium was due XX/XX/22 but the company gave me an extension until XX/XX/22. CMG says that checks take 30-90 days to arrive in the mail because of " mail delays '' and said they couldn't do anything about the problem. I paid the bill out of pocket in order to avoid policy cancellation. I have repeatedly asked CMG by phone, internet message, and fax to cancel the check that they supposedly mailed on XX/XX/22 and refund the money to my account. They have been completely nonresponsive to my requests. They have confirmed to me verbally that the check they sent was never cashed, but they have taken no action to cancel the check or refund the money to my escrow account. 

PROPERTY TAX : My California property taxes were due XX/XX/XXXX. CMG didn't pay them. By refusing to pay the taxes on time, my county assessed a 10 % payment penalty on my account. I repeatedly called CMG and asked them to pay the property taxes as required, including the late fee. CMG refused to acknowledge the late fee. CMG has provided inconsistent answers on how they paid the property tax bill - sometimes they say the check is in the mail, sometimes they say the money was sent by wire, sometimes they say the check is generated by an outside agency. I don't know who to believe because CMG 's story changes every time I call. 

The county property tax agency has no record of any payments from CMG on my account. I paid my property taxes out of pocket in order to avoid more late fees, since the XXXX payment came due before CMG ever even attempted to pay the XXXX payment. 

CMG has been completely nonresponsive to my repeated phone calls, internet messages, and faxes on the subject.