davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX I paid off the {$8000.00} balance owed on our Alaska XXXX XXXX XXXX card. See attached statement documentation. 

I received a letter from Bank of America dated XX/XX/XXXX that they closed my account! 
The " reasons '' given were based one late payment on some of my other credit card accounts that I also have paid off or have paid at least {$7000.00} toward their balances - also on XX/XX/XXXX. 

Therefore the basis for their decision is moot. I 'm current with all of my creditors and mortgages. 
I have paid off 4 credit cards and my XXXX lease. Therefore taking what was considered high-utilization of credit lines down to 30 % or so. 

The last thing I expected was to have my account closed right after I paid off the balance. Especially not even receiving a phone call to discuss the situation. This is a horrible way to treat a customer who is paid in-full! 
I 've also lost my XXXX XXXX by them closing the account ... ..something that I paid for with each annual fee.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Transunion transmitted To me on XX/XX/XXXX my score was XXXX so on XX/XX/XXXX I opened my sealed account to the public and applied for a loan at XXXX XXXX XXXX. On XX/XX/XXXX I recieved a rejection letter stating Transunion 's score was XXXX and denied my appapplication. I have not applied for credit since I purchased my XXXX XXXX in XX/XX/XXXX. My Transunion account had been closed for 3years because damaged my credit status so I kept it closed. 
I called transunion to verify that my score was in fact XXXX a customer rep verified it and said it was even higher now so I opened the account they lied to get me to open the account Thereby exposing me to credit rejection.
Consumer complaint received 2020-12-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC (AZ)

I've applied multiple times for a lease with Acima credit. I continue to get declined because they can not verify my identity. I've called multiple times and have offered to submit proof of my identity. Their resolution is for me to continue to apply. Additionally, I was told to contact the credit bureaus when Acima is the one making the decision to decline my application. Why would I continue to apply when I they continue to decline me for the same reason.
Consumer complaint received 2021-04-05
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. (NJ)

I had set my accounts with XXXX XXXX XXXX to be on auto pay with my checking account at XXXX  XXXX XXXX. Due to fraudulent activity on my checking account the bank would not pay the credit card bill and charge me an nsf fee. At the same time allowing other transactions to go through with an overdraft fee. The bank picked and choose what accounts to pay on, and did not pay my credit cards. XXXX XXXX XXXX repeatedly marked me as having late payments but it was due to bank error and not my fault. I also have had made many payments by debit card to them and they closed the account according to my credit report when the person on the phone told me the accounts were still opened. 

# XXXX # XXXX
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (CA)

Citi bank are a bunch of crooks! They stole approximately XXXX $ rollers and will not return it. They said there was fraud on my account. There was bo fraud. They said they would return my money in 60 days but these poss have not returned a XXXX of my hard earned money. I got a direct deposit from my job so how the XXXX can you XXXX not see I am the rightful owner of that money. I hope your bank goes out of business you low down XXXX.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX chase Informed me that my escrow analysis had been done and that my monthly payment of XXXX was being increased to {$1500.00} because my escrow was underfunded. I opened the loan with guaranteed rate XX/XX/XXXX. Chase received the loan from guaranteed and that is who I now pay. The escrow analysis showed that I began my account with {$1.00}. I gave chase a call to try and fix the problem and was told that this was correct and they had just paid taxes and this was correct. I stayed on the line for hours until finally a representative looked at the closing documents and told me she saw what I was seeing. She told me to dispute this and on XX/XX/XXXX, chase informed me that they found nothing wrong with the dispute. When I a asked them to take a look they told me this was not an internal issue and I am on the hook to figure this out. I have contacted mortgage lender and she informed me that it is wrong. Chase has been predatory in their ability to shove out a half done analysis without looking at any red flag ( i wasnt allowed to start a mortgage loan without prepaid escrow as part of my closing documents ) and shoved an increase on me. To have representatives tell me that it was a legitimate increase or keep me on hold for hours seems like a tactic being used to get people to shut up and just take the unjustified increase. I felt that I needed to contact a government agency because if I did not have a finance background like millions of other Americans I would likely have given up thinking this was just over my head and I was wrong. This is not right and this bank is not serving its customers. I am happy to discuss anything else on this matter.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

SOMEONE IN XXXX, FL USED MY PHOTO ID AND SOCIAL SECURITY NUMBER FILED MY TAX RETURN, OPEN BANK ACCOUNTS, CREDIT CARDS, UTILITY ACCOUNTS, AUTO LOANS AND OPEN A APARTMENT LEASE IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-08
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. (KY)

XXXX XXXX reports 3 different dates under date of last activity even after their verification, XXXX XX/XX/XXXX, Experian XX/XX/XXXX, XXXX  XXXX is this account accurate when date of last activity shows 3 different dates? which is years apart from each other? 

I notified that I have never made payments for all the months of the year XXXX and I have have requested for the documentation that prove that my last payment was made on XX/XX/XXXX. But you have never furnished any bank records and transaction documentation due to the fact that you are required to have this documentation to determine accuracy of your report. 

You are in violation of FCRA by continuing to report this inaccurate and erroneous account on my credit report. Remove this account for failure to perform proper investigation.
Consumer complaint received 2020-06-01
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. (FL)

SOMEONE IN XXXX, FL USED MY PHOTO ID AND SOCIAL SECURITY NUMBER FILED MY TAX RETURN, OPEN BANK ACCOUNTS, CREDIT CARDS, UTILITY ACCOUNTS, AUTO LOANS AND OPEN A APARTMENT LEASE IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In reviewing my report from Equifax, I found unauthorized inquiries. I do not have any accounts with them under collection nor for review. I have made numerous attempts to resolve this matter via Equifax automated service, however, I had no success by phone. The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have attached a copy of my credit report that does not reflect any accounts with these companies.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX is selling deceptive information to XXXX and Experian. This allege debt has not been properly validated as belonging to me and I have received no notice of my right to dispute this debt before it was added to my consumer report. Under FCRA each reporting agency is required to report 100 % accuracy how was this debt account verified when there is not court judgement that makes me liable for this debt.
Consumer complaint received 2022-04-07
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. (NY)

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 60 days later has not been rectified. I feel like I am being take advantage of at this point being the original creditor and my disputes not being recognized by consumer laws. Section 611 ( a ), it is plainly stated that a failure to investigate these items within thirty days so they should be deleted promptly. I demand the referenced accounts be deleted from my consumer report immediately or I will file for litigation due to the stress that has been caused. My information has also been impacted by the major credit bureaus and may have gotten into the hands of the wrong person. Thank You
Consumer complaint received 2020-06-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I tried to make my XX/XX/XXXX Payment and was told my loan was transfer to whom, I have no idea. I received a letter dated XX/XX/XXXX confirming what I already know that my next due payment is for the month of XXXX. 
I attempted to make my payment tonight and was told my loan has been transfer. 
I have gotten no communication from Specialized Loan Servicing about the transfer.
Consumer complaint received 2021-04-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

To whom it may concern I XXXX XXXX XXXX XXXX is very very upset, that chase has temporarily shut my debit card down and I ca n't access my own money to make payments I have automated payments that where already schedule to come out of my checking account but I have no funds because they froze it it 's been 2 days and chase is still thinking that I had stolen that personal check. That check was given by a friend that I consider my own family and I do n't seem was the issue with it it has already process and the balance is there already but they are not letting me use my debit card or bank account until they verify that the check was really given to me by XXXX XXXX this is very frustrating I never been treated like this like a thief and humiliated by chase. They stated that it 's their job and that they need time to verify that check. I do n't have time it 's obvious that if he gave me a check and I deposited thru the atm machine. This is a humiliation to me it 's the first time this happens to me and I feel anger and humiliated, rejected, I 'm thinking about closing my account because of this unprofessional matter, I am in debt and there will be fees assess by me not giving my payment on time, such as late fees and more. I do n't have to pay this late fees it 's chase fault for taking long and for thinking that I am a thief and that I stole that check
Consumer complaint received 2021-07-01
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. (FL)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2020-06-01
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. (IN)

An Inquiry dated XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX that is older than the 2 years allowed by law. 
is still on my Experian credit report Contact info XXXX  XXXX  XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX thank you
Consumer complaint received 2022-11-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (TN)

After carefully reviewing the credit card statement, there were unfair credit billing with your credit card practices. I would pay the monthly statement online on the due date but your system says that I did not pay until the next business day. I was charge late fees because of this. Please send me proof of charges. What was the prime rate for finance charges?
Consumer complaint received 2024-03-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (VA)

XXXX XXXX XXXX XXXX  charged {$2900.00} for homeowners insurance. However, there was an adjustment reducing the bill down to {$2500.00}. Our mortgage company, Freedom Mortgage did pay the {$2900.00} before the adjustment was made. XXXX returned the difference of {$410.00} to us. We returned the {$410.00} to the mortgage company which they applied to the escrow. The mortgage company has not audited their records but is presistant that there is a shortage. The mortgage company does not pay property taxes from the escrow account as we are both XXXX veterans and property tax exempt. The only cause of the escrow shortage is from the homeowners insurance. 

The mortgage company was given a written request to audit their records and to please refrain from late penalties and negative credit reporting until the audit is complete. They have not honored that request, but have added a late fee and have not applied the previous mortgage payment to our account. They have received our mortgage payment but has a policy of not applying payments if it is less then what they feel is owed. To be clear, the account will show no payment has been received even if has.
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC (MN)

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
Consumer complaint received 2020-10-23
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: Experian Information Solutions Inc. (FL)

Dear Experian/XXXX/ XXXX tion listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts :
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (NY)

Debt Collection Company, Contract Callers, filed a collection account onto my credit report for a {$850.00} utility bill. I do not not know who they are. They never contacted me in anyway prior to this. I also dont own a home or pay a utility bill so this is clearly not a bill I owe. I disputed it through the credit reporting agency XXXX and they did not take it off my report