davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I opened a checking and saving account together with a credit card application on XX/XX/2018 at the XXXX XXXX XXXX Bank of America! Later I tried to apply for a XXXX XXXX brokerage account online, which didnt work as promised! So I went to the XXXX XXXX XXXX XXXX Bank of America on XX/XX/2018! Somebody in the building self-claimed a XXXX XXXX employee worked with me! When I asked why my online application didnt work as it should, he answered the application didnt go through the system! So I asked whether he will be able to open a brokerage account for me! He answered yes! When I asked him the relationship between Bank of America and XXXX XXXX, he told me they have the same CEO and why the Americans come inside the building to do business with them without question is the trust on the company! The XXXX XXXX brokerage account got open under his assurances! The next day when I tried to use the account and felt it didnt behave like a regular brokerage account as my others! Rather its more like a virtual account! So I called up the person to close the account! The answer is more resembling a person walked into a prison by mistake - hard to get out! He gave me a number to call to close the account and they told me the account is closed today! But when I login the account a while ago, its still there! Therefore I need your help and assistance to figure out the truth behind this XXXX XXXX brokerage Virtual account! How could a person inside a Bank of America office opened a virtual XXXX XXXX brokerage account for me? And whats the real motive behind this fraud? Thank you
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX AND 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 2018-12-10
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (FL)

On Tuesday XX/XX/2018 I called PHH Mortgage Corporation to verify that they were my new loan servicer and who I was supposed to submit payments to going forward. I asked how I could pay online, the customer service representative explained how to log on to do so. I noticed there would be a fee to pay online so I asked if there is anyway to pay online without a fee. He told me if I enroll in paperless option and wait XXXX hours, next time I log in to pay, the fee will not be there anymore. So on XX/XX/2018 I tried to log on but it kept saying my log in information was incorrect. I called customer service and the representative gave me a temporary password to use. That did not work so I still had no access to my online account to make payment. My options were to mail in a check or pay a {$7.00} fee to pay over the phone. This is when I started researching PHH Mortgage Corporation and discovered that they have had multiple lawsuits regarding charging unauthorized fees, using incomplete information in the foreclosure process, AND FAILURE TO APPLY PAYMENTS MADE BY BORROWERS. After reading all of this, I started to get concerned about my loan now being in the hands of PHH. I called customer service again and insisted to speak to a manager about these discoveries and my concerns about my inability to make a payment without being charged a fee. I asked the customer service representative XXXX times to transfer me to a manager and each request was ignored. I told him if he can not transfer me to a manager then I would like to submit my payment over the phone without a fee. He agreed to do so, asked me for my routing number and bank account number to submit payment. I am bringing this to light before it gets worse. I am trying to be pro-active instead of re-active. As previously stated, I am seriously concerned for the future of my home loan. I still can not sign onto the website and when trying to talk with tech support I was on hold for an hour before anyone picked up.
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # 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 2018-12-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

There were two times when I was unemployed. I called them to let them know and they pushed me into forbearance. It wasn't until recently that I found out I could have done the income based repayment, this went on for a total of 3 years or so. I tried calling them recently and they refuse to help. They allege that they do not have records of mine prior to XX/XX/2017.
Consumer complaint received 2018-04-23
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: National Credit Systems,Inc. (NC)

I have been a victim of identity fraud. I have never had any apartments in my name. I've recently been working to get everything cleared up on my credit, I have filed an FTC report, a police report, I submitted numerous documents that have my correct information on it noting where I lived during the time of the fraud, a driver 's license and a copy of my social security card. I have disputed the accounts numerous times with XXXX and they will not help me at all. They keep saying I own the accounts when I do not own the accounts. The other bureaus have cleared my record and have been most helpful with getting this issue resolved, but XXXX  does not care to help me. I've called multiple times and spoke with numerous representatives to no avail. I need these fraudulent accounts removed from my credit report, I can't afford a lawyer since I am a college student. I dont know how many times I have to dispute the accounts with XXXX. Please help I thought the ftc report would help prove my case, but XXXX doesn't care about that or my police report submitted. The accounts that have not been removed are National Credit Systems for {$90.00} and National Credit systems for {$11000.00} and NCC business services for {$3600.00}.
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (MS)

In XXXX XXXX, I was contacted by a XXXX XXXX salesperson at my door, advertising " free '' home monitoring equipment to those with qualifying credit willing to act now. I signed a XXXX contract under these false pretenses to initiate service, then attempted to cancel the service over a year later. Now, XXXX years after the attempted cancellation, Perfection Collection is attempting to collect {$3500.00} on behalf of XXXX, more than the cost of service over the entirety of the contract. The salesperson was misleading both in that the equipment was free, as well as my ability to cancel and that the offer was " for a limited time ''. I was also never provided in writing the full cost of the services, including the costs associated with early termination. The contract should be considered void under these circumstances.
Consumer complaint received 2022-07-21
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2022-11-30
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. (NC)

Previously a complaint had been submitted for the reporting of incorrect information. Equifax removed certain information fields to make the report look accurate. However by doing so they made the information being reported incomplete. How can they say an account was 30, 60, or 90 days past due if they can't show a date of last activity? Also green dot and Equifax have repeatedly claimed to validate the information being reported as accurate. In accordance with the FCRA I have requested copies of the documents used to validate the information being reported. I have been refused. This is a clear violation of my rights under the FCRA. FURTHERMORE, the attached documents will show that XXXX XXXX is just reporting negative information to hurt my credit score. This is obvious because different information is being reported to all XXXX agencies. Yet each agency has validated the information as accurate.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's record shows that it was incorrect. Since CREDIT BUREAU 's investigation was done improperly, Credit Bureaus must update the listed account from my file. 
XXXX XXXX XXXX
Consumer complaint received 2022-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX 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 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (SC)

In late XX/XX/XXXX, I filed a dispute about late payments and statements on my credit reports. The dispute led to the company updating the information they were reporting in XXXX of XXXX. I have copies of the updated reports with a statement from the company that states they have updated their reporting in response to the dispute. 

However, the updates made by the company didn't come with any documentation or proof that would lend transparency to an investigation. Further, when making the updates, the company 's reporting conflicts from XXXX report to the other. ( For example, XX/XX/XXXX states " Unknown History '' on report A, states " XXXX  days Late '' on report B, and states " XXXX  days Late on report C ). Lastly, to add insult to injury, after being confronted with my first CFPB complaint and responding, " there was nothing to see here ... '', the company reported a correction/ update with XXXX trying to make their overall report more cohesive. This is some XXXX  days later, and still, absent any documentation to support the reporting. 

XXXX documents are included : XXXX. Shows statement of update and thus an acknowledgment of dispute in XX/XX/XXXX XXXX. Shows conflict from XXXX report to the other ( exp : XX/XX/XXXX history & XX/XX/XXXX Date of XXXX delinquency ) XXXX. Shows an attempt to update within the last week ( after the fact )
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

I have account being reported from XXXX XXXX XXXX ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years. the date of 1st delinquency was XX/XX/2010 according to XXXX & XXXX Experian has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have account being reported from XXXX XXXX XXXX ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years. the date of 1st delinquency was XX/XX/2010 according to Transunion & XXXX  XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default
Consumer complaint received 2018-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (MI)

I had a lease vehicle through GM Financial that was rendered a total loss due to a car accident, in XX/XX/2018. In XX/XX/XXXX, my personal auto insurance remitted payment to GM Financial for approximately $ XXXX, leaving a balance of $ XXXX. Based upon my contract, and the information provided to me at time of lease, GM Financial purchased a gap insurance contract on behalf of themselves to cover any gap balance. After my personal insurance made payment, GM Financial assured me that there was nothing further owed on my end, and they would deal directly with their insurer for the balance. In XX/XX/2018, GM Financial reported me as XXXX days delinquent along with the balance with all XXXX credit reporting agencies. I called them and they ensured me that the reporting was a mistake, and an update would be submitted to the agencies to get it removed. Not only was the XX/XX/XXXX delinquency not removed, but GM placed a XXXX day delinquency on my report in XX/XX/XXXX. For the past week, I have called GM at least XXXX times. They promised to remove the delinquency marks, and promised to fax over a letter stating the account was up to date. Every time I called in, I am given the run around. I escalated my call to a Supervisor, but the Supervisor has not returned my calls. I escalated my call to the Total Loss Department Manager, and he has not returned my calls. Between the Supervisor and the Manager, I have left at least XXXX   messages with no success. My credit report is damaged due to GM Financial 's lack of sufficient controls to mitigate operational risks like this. GM Financial has violated my FCRA rights by reporting inaccurate information on my credit reports, and has admitted to their violations several times on our recorded calls.
Consumer complaint received 2018-04-23
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. (MO)

Even perfect, true, correct reporting REQUIRES PHYSICALLY VERIFIABLE PROOF of ABSOLUTELY CERTIFIED COMPLIANT REPORTING. As an example, EQUIFAX is reporting, non compliant information on derogatory accounts, such as consecutive months reporting " 30 days late '' ( which is impossible ), six months of charge off reporting, balances on charge offs, etc. This is without adequate legal standing, in full accordance with the credit regulation compliance standard and laws. 

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Consumer complaint received 2018-12-10
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JTM Capital Management, LLC (TX)

Receive a voice message ( call was from a spoofed NY number ) from someone identifying herself as XXXX XXXX. Did not state what company but stated that she has some paperwork for me to sign. She has a request under my name and ss #. She stated that she would place me on her schedule and I must sign for the documents regarding a claim that an office placed against me. Stated the paperwork would be derived on XX/XX/18. If I had questions I was to call XXXX with reference # XXXX. 
I called the office on Saturday morning they were closed but identified themselves as XXXX XXXX XXXX. I have seen other complaints on your site about this company as well. I called the number again today ( Monday XX/XX/18 ) and spoke with XXXX XXXX. He stated that I had a defaulted contract with XXXX XXXX. I requested to see the information in writing via US Postal mail. He wanted to email the info, I again requested the information in writing. How do I know that this isnt a scam? 
Received another voice message from XXXX XXXX ( XXXX ) same spoofed number as before. She stated that since she had not received information from the client she was going to go ahead and stop by my residence and to have the paperwork signed. When I attempted to call her back the line is busy. Confirming that it is not a real phone number. 

On XX/XX/18 I accepted a settlement with XXXX XXXX, per our email. I also provided them with the banking info as requested in the time frame requested. The next day I emailed them and they told me that I missed the deadline. Which is absolutely erroneous. I provided them with the requested information appropriately 2 hours after the request. This should not be a matter for me to be threated to sue or any other threat imposed. XXXX XXXX with XXXX XXXX XXXX certainly didnt try to assist with contacting XXXX XXXX person either. I am VERY concerned here. Assistance with resolution is most appreciated.
Consumer complaint received 2019-03-22
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. (NV)

Application Status To check the status of your pending application, please enter your Application ID and your Zip Code and then select Continue. 

*Required Field *Application ID : XXXX *Zip Code : XXXX Cardmember : XXXX XXXX XXXX Application Id : XXXX Add XXXX to your address book to ensure delivery. 

Your XXXX Credit Card Application Status Your XXXX Credit Card Application Dear XXXX XXXX XXXX : Thank you for applying for a XXXX credit card. Your application for the XXXX XXXX was received on XX/XX/2017. 

We are currently processing your application and will be in touch within 1 week. We look forward to the opportunity to serve you. 

To check your application status, please click here. 
XXXX XXXX XXXX   XXXX & XXXX We look forward to having the opportunity to serve you. 
so i put in my information ... and this is the message ... XXXX We are unable to complete your request at this time. Please call XXXX for further assistance. so i have great credit just follow my asset # XXXX because when you take out a loan you have to show THE FEDERAL RESERVE YOUR CREDIT SCORE AND I HAVE THE NEW CREDIT ALLOWED BY MY FATHER XXXX TAKE IT UP WITH HIM HERE IS HIS NUMBER XXXX