davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Saturday,  XXXX   XXXX ,  2017 ; I m ade a payment before the  XXXX   XXXX  due date, but did not receive a payment confirmation number receipt of my payment or an email. On Monday,  XXXX   XXXX ,    2017 ; I c hecked to see if the payment was posted, and it was not ... I attempted to make the payment again, and it " went through '', gave me a confirmation number, but has yet to send me an email confirmation. While attempting to make the payment, I noticed that the screen did not state that it was past due ... Additionally, I noticed that once I clicked the payment button, all of my accounts appeared readily available to accept payments. This is preposterous, as only  XXXX  of those accounts appear when I login - my business, and  XXXX  credit card. Bank of Americ a ( BoA ) is tryin g to subject me to money laundering by having these accounts open but not giving me the ability to use each ... Additionally, not accepting payments or rather, not presenting a customer proof of payment is egregious.
Consumer complaint received 2016-02-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

To whom it may concern : I had a XXXX XXXX auto loan that was charged off in XXXX for a balance of approximately $ XXXX. XX/XX/XXXX I contacted XXXX XXXX to negotiate a settlement. A verbal agreement was reached, but no payment or document was signed. Personal circumstances would n't allow me to fulfill the agreement, I called and informed them. The rep. told me to call back if my situation improved. XX/XX/XXXX I received notification from my XXXX credit tracker accounts that stated a charged off account from XXXX XXXX was reported to my credit reports, the balance was for over $ XXXX. 

I called XXXX XXXX and received an automated response that no one could speak to me. 

I filed a complaint with CFPB, and informed them of my situation. 

I was contacted by XXXX XXXX, see reviewed my complaint and the supporting documents I submitted. She stated that XXXX XXXX 's records do n't show they 're reporting a charged off balance of $ XXXX, but for only $ XXXX. XXXX closed my complaint as it being resolved. Soon after I pulled my credit reports and they showed a balance of $ XXXX. I contacted XXXX, informed her of my finds, and provided a copy of my credit report. She told me she would review it. I updated my CFPB compliant that my case was not resolved and sent a copy of my credit report. 

A week after I provided XXXX with my new credit report, she contacted me and stated that the balance of $ XXXX is correct, because in XXXX XXXX, the credit reporting agencies made a change that requires creditors to include interest and fees of past charged off accounts. I asked XXXX to send me a letter that highlights what she stated to me. She agreed. I followed up with an email asking her to send me the letter. I 'm currently waiting on the letter. Also, I called CFPB and updated them on my case. I was asked to call the credit reporting agencies to see if what XXXX XXXX said was true. I was only able to speak to a rep. from XXXX, the rep said it was not true to his knowledge, they only report want the creditors ask to be reported. 

I 'm not sure how many others may be effected by this practice, if it is indeed improper reporting. 

Note : The case number for my previous CFPB compliant is : XXXX. The pass code to open the PDF file is XXXX.
Consumer complaint received 2021-11-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-11-17
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. (FL)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them.
Consumer complaint received 2020-02-17
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. (CA)

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$990.00} on the XXXX XXXX XXXX, - partial account number ****XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I never opened up an account with XXXX  and never gave permission for an account to be opened in my name. Furthermore, the company is inactive. Please see page attached. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-11-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (NJ)

I have repeatedly asked Caliber representatives to provide me, in writing or on their website, the breakout of my monthly mortgage payment - escrow portion. They refuse and will only provide TOTAL escrow amount of monthly payment. I believe as a consumer, it is my right to know how the combined monthly escrow amount is apportioned.
Consumer complaint received 2020-02-17
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. (FL)

Equifax Credit Report confirms XXXX XXXX XXXX  Account STATUS OPEN opened XX/XX/2004 Limit {$6.00}, XXXX XXXX Bal. THIS APPEARS AS AVAILABLE CREDIT PREVENTING MORE CREDIT. * Also Credit Report confirms NO PAYMENT HISTORY HAS BEEN REPORTED BY THIS CREDITOR. I believe THIS FIX WILL INCREASE MY CREDIT SCORE when accurately reported by XXXX XXXX XXXX. I HAVE EXCELLENT CREDIT THEY DO NOT REPORT? I request this status be closed AND I request my good credit BE REPORTED TO ALL 3 CREDIT REPORTING COMPANIES.
Consumer complaint received 2020-02-17
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. (CA)

Experian and XXXX  are reporting incorrectly a collection in the amount of {$990.00} on the XXXX XXXX XXXX., - partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I never opened up an account with XXXX  and never gave permission for an account to be opened in my name. Furthermore, the company is inactive. Please see page attached. This false reporting of a collection that does not belong to me is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-17
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: ENCORE CAPITAL GROUP INC. (NY)

There is a fraudulent account reporting on my credit file ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX_XXXXy XXXX- This account was opened fraudulently and currenly has a balance of {$1000.00}. 

I have requested multiple times for this account to be dissociated from my name, and to be removed from my credit. 

As of XX/XX/2020 its still continuing to report on my credit. Please remove this fraudulent account from ALL three bureaus.
Consumer complaint received 2017-06-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK (CO)

On  XXXX   XXXX ,  2017 my  employer 's payroll department notified me that my wages were to be garnished by court order. The law firm responsible,  XXXX    XXXX   XXXX   XXXX  , did not notify me of the lawsuit and I did not receive any court summons. Furthermore, the action was not brought in a jurisdiction where I resided at the time, nor in the jurisdiction where I signed the contract sued upon.  <P/> I attempted to resolve this debt and put a stop to the garnishment by furnishing payment to the firm. I called them and was told to send guaranteed funds to  XXXX   XXXX   XXXX ,  XXXX , MA  XXXX  by overnight shipping. I did this, and tracked the shipment.   XXXX   indicates that it was signed for by one  XXXX   XXXX . In spite of the fact that they have received payment, they are continuing with their attempt to garnish my wages, and are actively ignoring all of my attempts to communicate with them.
Consumer complaint received 2021-11-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

usaa charged my personal loan and credit card debt off during the pandemic. around XXXX or XXXX of 2020 i fell behind all of my payments with them and due to my XXXX XXXX XXXX XXXX  from XXXX from being overseas in the XXXX i totally forgot to pay them. and plus i was unable to pay during the pandemic. come to find out, without my knowledge, everything was charged off and now it is hurting my credit. i am working out a payment plan with the debt collectors about this but i want USAA to remove my accounts from charge off or collections so that i can resume my regular payments again and get back on track. i am willing to work with them
Consumer complaint received 2020-02-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (CA)

Ive been in Active chapter XXXX bankruptcy since XX/XX/XXXX. Quicken Loans has been and continues to assign Auction Dates to my home. Ive complied to all terms and conditions of the bankruptcy. My attorney has requested multiple times for them to stop the foreclosure process and assignment of Auction dates. As recent as XX/XX/XXXX my attorney called and demanded they stand down on all foreclosure proceedings. The request was ignored and a new auction date of XX/XX/XXXX has been assigned.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

HERE IS PROOF OF CLEAR AND READIBLE DOCUMENTS THAT XXXX XXXX AND XXXX AND EQUIFAX CONTINUES TO UNLAWFULLY DISCARD. 
I HAVE SENT XXXX XXXX MULTIPLE REQUESTS FOR PROOF OF AUTHORIZATION OR WRITTEN INSTRUCTIONS ALONG WITH PROOF OF AGREEMENT WITH MY SIGNATURE AND I HABE NOT RECIEVED ANY COMMUNICATION BACK FROM XXXX XXXX OR XXXX XXXXND XXXX SHOWING PROOF OF AUTHORIZATION AND WRITTEN INSTRUCTION OR MY SIGNATURE PROOFING AUTHORIZED TO OPEN THIS FRAUDULENT ACCOUNT WHICH I HAVE SENT DOCUMENTS ( SEE ATTACHED ) POLICE REPORT AND FTC REPORT BEFORE REQUESTING REMOVAL OF THIS FRAUDULENT DOCUMENT THESE COMPANYS HAVE ONLY REMOVED SOME BUT NOT ALL WHICH WAS REQUESTED IF ITEMS WAS NOT REMOVED THEN I SHOULD HAVE RECIEVED A DOCUMENT WITH PROOF OF AUTHORIZATION OR PROOF OF WRITTEN INSTRUCTIONS TO PROVE WHY THESE OTHER ITEMS WAS NOT REMOVED. SO ONCE AGAIN THIS IS PROOF OF COMMUNICATION AND CLEAR AND READBLE DOCUMENTS SENT TO XXXX XXXXXXXX WITH ALL REQUIRED DOCUMENTS TO ONCE AGAIN INVESTIGATE AND TO PROVE AND SEND ME WRITTEN OR AUTHORIZATION WITH MY SIGNATURE OR THE PROOF OF AGREEMENT PROVING I AM THE ONE WHO OPENED THIS ACCOUNT AND SEND ME PROOF IMMEDIATELY IF YOU CAN NOT REMOVE THIS FRAUDULENT ACCOUNT THEN ONCE AGAIN SEND ME PROOF OF AUTHORIZATION IF NOT REMOVE AND DELETE FRAUDULENT ACCOUNT FROM XXXX XXXX XXXX  AND XXXX FILES IMMEDIATELY IF NOT YOU WILL BE ACTING IN WILLFUL NON COMPLIANCE, YOU WILL BE VIOLATING MY RIGHTS, AND MOST OF ALL DEFAMATION OF CHARACTER AND DAMAGING OF MY CREDIT REPORT AND MY LIVELIHOOD SO PLEASE DO WHAT IS LAWFUL AND FAIR AND EQUITIBLE TO ME AS A CONSUMER ( POLICE REPORT AND FTC REPORT ATTACHED ) PROOF OF READBLE AND ALL REQUIRED DOCS FOR REQUESTING FRAUDULENT ACCOUNT BE INVESTIGATED AND REMOVED.
Consumer complaint received 2020-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (OR)

On XX/XX/XXXX I received a debt collection letter from diversified Adjustment, Services on behalf of XXXX XXXX for {$2600.00}. I immediately called XXXX XXXX, as the collection agency was closed. I was informed that I had opened three lines of service at one of their wireless stores almost 200 miles away from where I lived. They said this took place on XX/XX/XXXX. This was the first letter I had ever received and first knowledge of this account. They said in order to open an account in store I would have had to show my ID as well as give my social security no. This was NOT ME. I closed my account with XXXX XXXX in XXXX of XXXX. I have since been with XXXX and now XXXX with the same phone number as I had with XXXX XXXX. I feel that perhaps the customer service person at XXXX XXXX helped someone commit fraud or did not properly check identification as there are no other suspicious activities on my credit reports. I have, this date, XX/XX/XXXX, frozen all three credit agencies as I am afraid of having my identity stolen again and that there could be other accounts out there in my name that I am not aware of.
Consumer complaint received 2020-02-17
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)

To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.
Consumer complaint received 2020-02-17
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. (CA)

us dept of ed/XXXX is a negative account, account no XXXX .... appearing, wrongfully with damage to my credit rating on experian and transunion accts. 
The famously wrongdoing creditor was cited recently in the news as one of their chief executives quit because he couldn't stand the chaos.He said we get over 500000 requests for credit correction per month.They are not being investigated but verified without any investigation on the part of the creditor.This executive was 2nd or 3rd in power to XXXX, the presidents new appointee to head the DEPT OF EDUCATION. 

ON MY ACCOUNT THE FINAL PAYMENT WAS MADE BY ME ON XX/XX/XXXX. 
I NEVER MADE A SINGLE PAYMENT AFTERWARDS, THE DATE OF FIRST DELINQUENCY IS XX/XX/XXXX LEADING TO CLOSURE/TRANSFER.THIS ACCOUNT ACCORDING TO CURRENT CREDIT LAW OF CALIFORNIA SHOULD HAVE BEEN DELETED NO LATER THAN XX/XX/XXXX.YET BOTH BUREAUS CONTINUE TO REPORT WITH THEIR INACCURATE PAYMENT HISTORIES AND ILLEGAL DAMAGING REPORTING, QUITE GRAVELY SO WITH STATUTORY DAMAGES ACCORDING TO THE FCRA
Consumer complaint received 2020-02-17
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)

To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.
Consumer complaint received 2020-02-17
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: LEXISNEXIS (VA)

The insurance premium on my XXXX XXXX XXXX XXXX policy on a second home is going up 15 % based upon a score of XXXX ( out of XXXX ) provided by LexisNexis Risk Solutions XXXX Inc., which is both arbitrary and capricious under the surrounding circumstances. E.g., my XXXX   credit score based on the same or similar information used by LexisNexis is a XXXX ( out of XXXX ), or 97.4 % of the highest available score. By comparison, my insurance score should be about XXXX, not XXXX. Further, each of the four primary factors cited in the XXXX XX/XX/2020 letter from XXXX XXXX as the reason for the " insurance score '' that resulted in the adverse action letter ( and a bill for a 15 % higher annual premium ) is arbitrary and unreasonable both on its face and under my individual or joint financial circumstances, particularly the 2 reasons cited that relate to LexisNexis ' own apparent ignorance and/or lack of information ( Codes 0909 and 0911 relating to " INSUFFICIENT INFORMATION ON DEPARTMENT STORE ACCOUNTS '' [ and ] " PERSONAL FINANCE ACCOUNTS '' ). I tried to directly contact LexisNexis at the toll free phone number provided by XXXX XXXX on Monday XXXX XX/XX/2020 to dispute the inaccurate information and " insufficient information '' bases of the score, but was only able to request a report ( which I had already requested on-line ). My repeated attempts to reach an agent or representative were not recognized by the AI system available via the toll free number.
Consumer complaint received 2017-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

OnXX/XX/XXXX I went into Bank of America at XXXX XXXX XXXX, XXXX, XXXX and they usually have good service. I asked the teller where the ATM was and she called for the manager. A large, XXXX man walked over with extremely strong body language and said " outside. '' Since I was not in my vehicle, I stayed inside and he gave me very limited if any information at all. I rely on the limited information given to be a Bank of America customer. The XXXX, Bank manager chose to stand by new accounts. Even though there was no one waiting at the female new accounts rep 's desk. After ten minutes of waiting for a XXXX man ( who at first refused to speak XXXX ), I motioned for the Bank manager to come over and told him I have an upcoming XXXX, am XXXX, that the XXXX XXXX customer should have set up an appointment, and that this is clearly mismanagement on his part. The manager said " this is how it is. stand there and wait. '' He offered me a chair but I would have lost my place in line.He could have gone behind the counter to help out the teller who was alone. The other two women worked the drive thru window. I felt that the manager was very hard on me. In particular, because I am a woman who went in alone. In case, I close my accounts out again like I 've been doing since XXXX in XXXX, XXXX I do n't want to be hassled by the male, XXXX, manager who was a little too close for comfort and like I said, hard on me. I called XXXX XXXX, the advocate whom reached out to me months ago when I lived in XXXX. I do n't hear back from her. I do n't want to be given a hard time, forced to do things a particular way, or forced to know what the Bank employees are thinking.
Consumer complaint received 2022-12-16
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. (PA)

Hi, my name is XXXX XXXX. I am contacting the bureaus today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/XXXX my 401k check in the amount of $ XXXXCk # XXXX check was sent to my soon to be ex-wifes address where she took the check and sent it through Bank of America night depository account in XXXX ga. Ive contacted and done everything Ive been asked to do to get my money back and no one wants to help me at all. 7 long months I have suffered a financial hardship due to a negligent act from this bank. 
The bank has tried to tell me this is a joint account. Ive never had a bank account with Bank of America and certainly never will through all of this. 
I have waited almost 7 months trying to get my money back from this bank. I have no job and this was my source of survival. How can this bank be this negligent? How long can I expect it to twk to receive my money back?
Consumer complaint received 2018-07-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GENTRY FINANCE CORPORATION (NV)

While reviewing monitoring service noticed a fraudulent Loan was taken out under my name back in XX/XX/2013 by company Gentry Finance for total amount of {$320.00} i have googled the company and found only one number that did not work.