davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-26
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. (CA)

XXXX XXXX XXXX BK Docket # : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : CHAPTER XXXX BANKRUPTCY DISCHARGED I spoke with several county administrators at the Federal court house and they do not verify information filed in their court system via emial, mail, phone or in person without id.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The company XXXX XXXX XXXX XXXX - aka XXXX XXXX XXXX closed my account stating delinquency. I have paid off the account numerous times, however they never send a bill or they are very sporadic in sending out email notification. They have also revoked all the points i built up stating their decision was based on account history.
Consumer complaint received 2017-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

ERC has contacted my before for this same account. And just like before I told them I have never had an account with XXXX and I do not owe XXXX any money. I have been on my wifes account with XXXX for over 17 years. ERC removed this from my credit report and told me they were closing the account. Now they are coming back at me again 2 years later for the same exact thing. This need to stop. They need to remove this from my credit reports, they need to close this account and they need to leave me alone.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I was born in New York, moved to my parents country of origin where i lived the majority of my life. i came back to New York on XX/XX/XXXX to finish my studies and continue my dream of becoming an engineer. soon after my arrival i noticed i was not able to get any credit or even find my credit score. after more digging i found that someone had used my social security number to open an account that was left unpaid. now i am stuck with a bill that is not mine. i was in school in another continent and could not have opened a utility bill, which is in my name. i would like to be able to access my credit information because i want to investigate if there are any other accounts that were open without my knowledge. whenever i try to access my credit i get a message that states that my information can not be verified.
Consumer complaint received 2016-02-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a checking account with Bank of America since XXXX and Credit card since XXXX. And I have an excellent credit history. My checking account has a overdraft protection enabled via the credit card account. This month I wrote a check to pay property tax and it so happened that my checking account did not have enough funds. And my credit card was overdue and hence the overdraft did not kick in. I agree I forgot to make the minimum payment for once. But I was never notified via their website on my accounts page that my overdraft protection will not kick in since my payment is overdue. It still shows it is linked but just that it is not of any use. They carelessly rejected my check, without notifying me in anyway about the overdraft status, in spite of all the history of transactions I had with them for over a decade and offered no help to correct the situation. Had they indicated the fact that overdraft protection is not going to help me, I could have acted differently.
Consumer complaint received 2022-02-28
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: Resurgent Capital Services L.P. (FL)

I have contacted : LVNV FUNDING LLC - 4 DISPUTE LETTERS XXXX XXXX - 6 DISPUTE LETTERS XXXX - 6 DISPUTE LETTERS XXXX - 3 DISPUTE LETTERS I WOULD FIRST LIKE TO STATE THAT LVNV FUNDING LLC, XXXX, AND XXXX ARE FALSELY REPORTING THIS ACCOUNT! I HAVE ASKED FOR THE ORIGINAL INSTRAMENT OF INDEBTINESS ( PER THE REQUIREMENT OF THE FAIR CREDIT REPORTING ACT ) FROM THESE COMPANIES TOTALING 19 TIMES WITH 4 DIFFERENT COMPANIES, WITH NO AVAIL! THE FAIR CREDIT REPORTING ACT STATES THAT " ALL INFORMATION THAT IS PRESENTED ON CREDIT REPORTS MUST BE 100 % ACCURATE AND THE COMPANY REPORTING SAID INFORMATION MUST HAVE THE ORIGINAL INSTRAMENT OF INDEBTINESS. NONE OF THESE FOUR COMPANIES HAVE PRODUCED A SIGNED DOCUMENT, AUDIO, OR VIDEO OF ME, TAKING ANY OWNERSHIP OF THIS FAKE ACCOUNT! XXXX AND XXXX KEEP STATING THAT THIS IS VERIFIED AND MEETS F.C.R.A, BUT THEY ARE LYING! HOW DID THEY VERIFY IT? XXXX HAS REMOVED THIS FALSE ACCOUNT BECAUSE THEY COULD NOT VERIFY THAT IT BELONGS TO ME! I HAVE PROVIDED PROOF. I HAVE NO AGREEMENT OR CONTRACT WITH LVNV FUNDING LLC, YET THIS IS BEING REPORTED ON MY CREDIT REPORT ILLEGALLY! THIS IS A VIOLATION OF THE F.C.R.A!
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Dear Consumer Financial Protection Bureau, I am writing to seek your urgent intervention in a distressing matter concerning the unjustified closure of my joint checking account with my wife at JPMorgan Chase Bank, N.A. ( Chase ).

Recently, we received a notification from Chase stating that our joint checking, savings, and credit card accounts were slated for closure. We promptly reached out to Chase 's customer service representatives on multiple occasions seeking clarification. However, each time we were met with the response that Chase was unable to disclose the reason for the account closure. 

In an attempt to resolve the issue, we visited a local Chase branch where a banker informed us that only my name had triggered an alert, and that removing my name from the accounts would resolve the situation. Acting upon this advice, we promptly had my name removed from the accounts. Subsequently, we were reassured by the banker that our joint checking and savings accounts would remain active. 

However, despite the removal of my name and the reassurance provided by the banker, we received yet another communication from Chase indicating that our accounts would still be closed. This has left us utterly perplexed and deeply concerned about the lack of transparency and apparent inconsistency in Chase 's actions. 

Despite our continued efforts to seek clarification and comply with Chase 's policies, the bank has persistently refused to provide any explanation for the account closure. 

This situation has not only caused significant inconvenience but has also raised serious questions about our rights as consumers and the transparency of Chase 's practices. 

Therefore, I urgently request the CFPB 's intervention to investigate this matter and compel Chase to provide a clear and detailed explanation for the closure of our accounts. Also, We believe there may have been an error in Chase 's system, and we kindly request that they review this matter and consider reopening our accounts. We are fully committed to complying with Chase 's policies but believe that we are entitled to a satisfactory explanation for the actions taken by the bank. 

Thank you for your attention to this urgent matter, and we look forward to a prompt resolution with your assistance.
Consumer complaint received 2016-01-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have a bank account with BoA where I have been a account holder for over 16 years, I have my mortgage and direct deposit with them. I requested overdraft protection with them on my regular checking to be funded by my direct deposit account, instead it was setup backwards, now I am not sure how it occurred but the bottom line is I have over a {$100000.00} dollars in cash and bills flowing through them every year. I guess I am so small that they need to charge me for fees that I should not have been charged for and then can easily tell me no we will not help you. I called on XXXX/XXXX/2016 to their help line and was told no we can not help you. I am going to begin to move my funds away from them ASAP but just wanted to file a formal complaint on a company that does not care about it 's customers. I know they see all of the cash flowing through my accounts and could have easily refunded the small {$35.00} fee. I know if XXXX folks ask for {$35.00} it 's XXXX but I am sure it is still a small amount compared to the XXXX they make and the salary of their CEO.
Consumer complaint received 2016-10-05
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (FL)

Despite me having clear communication with them on my financial situation I am being called at least twice a day daily by navient student loans. I 've advised them that I feel harassed and that my financial situation will not change within 24 hours and they tell me until I pay them their money they will keep calling me as much as they want
Consumer complaint received 2024-03-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (NY)

On behalf of Regional XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. has not provided a letter to my address indicating ( on paper ) that this debt has been paid, despite the fact that the debt has been satisfied. I have had conversations with three representatives, and each of them has informed me that a letter will be sent to my address via mail to demonstrate that the debt has been satisfied ; however, as of this writing, I have not received said letter.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC. (NC)

On XX/XX/year> XXXX unauthorized charges were made by a minor totaling over {$200.00} dollars on my XXXX account. 

1. ) {$53.00} 2. ) {$53.00} 3. ) {$100.00} I had tried numerous times to contact XXXX for a refund and numerous times was let down and was told to contact my bank. So I reached out to SoFi to submit a dispute but they make the dispute process difficult and long. This is over {$200.00} worth of funds and has caused me to overdraft my account. I need the money for the funds I did not approve of ASAP
Consumer complaint received 2017-10-24
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. (NC)

I have contacted XXXX, XXXX and Experian about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to XXXX.
Consumer complaint received 2017-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted XXXX, Transunion and XXXX about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to XXXX.
Consumer complaint received 2017-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found these late payments on the dates below : 30 days late as of XXXX XXXX 30 days late as of XXXX XXXX 60 days late as of XXXX XXXX 90 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2017-10-24
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: EQUIFAX, INC. (NY)

XXXX/XXXX/XXXX I went into an XXXX XXXX XXXX authorized retailer to discuss the possibility of switching from a pre-paid plan to a post-paid account with a device. During the course of the conversation the employee performed a credit check without my knowledge or permission. At the end of the conversation the employee said the check had been a soft pull and would n't affect my credit. 
XXXX/XXXX/XXXX I got an alert that XXXX XXXX XXXX had done a hard pull of my credit on my equifax report. I immediately called XXXX XXXX XXXX and they said they could n't do anything, it had to be removed by the credit reporting agency. Equifax had already closed for the weekend. 
XXXX/XXXX/XXXX I spoke to Equifax, they said XXXX XXXX XXXX had to give electronic authorization to remove the inquiry. 
XXXX/XXXX/XXXX I spent over an hour on the phone with XXXX XXXX XXXX transferred to 4 different departments. No one knew how to remove it, most people said they could n't have done a hard inquiry. They told me I had to speak to the store where the inquiry had been done. 
XXXX/XXXX/XXXX I spoke to the authorized retail location and the employee said she needed her manager to help her. 
XXXX/XXXX/XXXX I spoke to the manager at the authorized retail location. He did n't know what to do and hang up on me, then refused to answer the phone ( I tried calling back for over an hour ). 
XXXX/XXXX/XXXX I spent another half an hour on the phone with XXXX XXXX XXXX customer service. They transferred me to finance who said I needed a payment specialist to help. The payment specialist did n't know what to do and hung up on me. 
XXXX/XXXX/XXXX I filed an online dispute about the inquiry with Equifax. So far no response.
Consumer complaint received 2016-02-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (FL)

I have not been contacted by the company or received any validation of debt. I have attempted to contact this company multiple times to request validation of debt that is supposedly owed. This company also operates under SYndicated Office Systems. On XXXX report, they will report the account under Central Finance COntrol and another report they would report under Syndicated Office Systems. This company uses inaccurate addresses on the credit so that a consumer can not contact them to requested documentation for the said debt. Multiple attempts have been made where the company has recvd my certified letters and no response has been given to me. Some attempts have been made and my certified letters have been returned. I have given this company more than enough time to provide me with the proper validation of debt with no response and no documentation. I am requesting this company removed their accounts and their partner Syndicated Office Systems from my credit reports immediately.
Consumer complaint received 2021-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I have never had an an account with this company nor have I had an account with the company XXXX XXXX not now and not ever. This account was opened due to fraud and needs to be removed immediately. Credit bureaus all have been sent a police report.
Consumer complaint received 2024-03-16
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: Nelnet, Inc. (FL)

The account with Nelnet has been closed - paid in full since XX/XX/2023. For the last 10 months I have been trying to have this corrected with no success. I have made report disputes with all three credit bureaus ( XXXX, XXXX, XXXX ), disputes with Nelnet, and U.S. Department of Education office of Federal Student Aid ( reference # XXXX ). All three credit bureaus reported they verified with Nelnet and it was reported the report on the credit file is accurate. The account with Nelnet has been paid in full since XX/XX/2023. There has been no action taken with any of the parties involved. The reports being disputed are the following : 1. {$47000.00} 2. {$82000.00} Totaling {$120000.00} - which has been paid in full. 

I am requesting assistance to have these two reports corrected to reflect paid in full with a {$0.00} balance.
Consumer complaint received 2019-10-28
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. (AL)

My ex girlfriend opened a checking account at XXXX XXXX XXXX. After her and I broke up I called the credit union and advised then we had broke up and I would like my name removed from the account. I also stopped direct deposit of my pay check to that account. Some time after all this, my ex over-drafted the account, and it was charged off and set for collections. It also shows on my credit file. I have called and wrote the credit union several times asking for it to be removed. They still refuse to remove the account from my files.
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY (CA)

Problem is with the customer service phone # on the statement its not working with the past 8 or 9 months so when I have issues I have to go on internet and get a contact # and when I call their customer service are not in XXXX they are in XXXX because they all have XXXX XXXX accent They are not helpful and their system about my account history is not accurate and correct My problem is everything I purchased I returned and nothing showed in my account they made s {$900.00} balance for me and its not correct You could try to call their phone # XXXX
Consumer complaint received 2017-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (IN)

on my credit report is a collection for EOS CCA XXXX XXXX XXXX XXXX XXXX 2012 {$1600.00}. first I have never received anything from the collection agency and did n't know anything about it until I pulled my credit report. 2. I sent a letter requesting they verify the debt and I still received nothing. 3. I called XXXX and asked them about it. They looked into it and said I did n't have an account with them. I already knew that because I had XXXX before switching to XXXX. 4. I 've have disputed it with the XXXX credit bureaus multiple times and it still shows on XXXX and maybe XXXX ( i have been unable to view it online ). I want it removed it have been more than the 30 days they have had to verify it. and its false information.
Consumer complaint received 2018-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (VA)

I used BB & Ts online bill pay to pay my mortgage and was told after the fact that they would send a paper check. In a nutshell my mortgage company said they never received the check and I had to make my payment online directly with them but was advised to put a stop payment on the check first. I called my bank and asked the bank manager to put a stop payment on it and was informed I had to pay the {$30.00} stop payment fee. Since this was not my fault I feel I should not have to pay it. I will enclose a copy of my online transaction proving I attempted to make the payment on theXX/XX/XXXX. Since the bank issued the check they should have to waive the {$30.00} stop payment fee since I wasn't the one to lose the check - either they did or XXXX XXXX  did.
Consumer complaint received 2018-03-24
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. (IL)

I am a victim of id theft and my personal information was compromised in the XXXX  data breach. This bureau received my identity theft report on XX/XX/2018, along with the list of items that were linked to the fraud. 
As per the FCRA they are required to block all fraudulent information within 3 days of receipt of dispute. This was not done, the fraudulent items still plague my credit report. The company has violated my rights under the FCRA as a victim of ID theft. 


Enclosed Copy of disputes received by bureaus Copy of ID theft report
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maury Cobb, Attorney at Law, LLC (CA)

XX/XX/2021 Contacted XXXX XXXX XXXX XXXX  Acct Mgr XXXX XXXX, notified him XXXX  made a mistake this was never in collection and I paid {$100.00} off last year and closed this account. I asked him to remove this Fraudulent reporting from all 3 of the National Credut Bureaus, he refused, and admitted they are representing XXXX  and The Law Office of Maury Cobb who is also collecting this fraudulent debit. I ran my 3 credit reports 6 months ago and thus was not on my credit report. Just this last week, it is now on all 3 Credit Bureaus being reported from the year XXXX, XXXX, XXXX, and XXXX - HOW CAN THIS BE! I sent XXXX an email regarding all this a week ago and they have never replied, but yet my membership with XXXX notified me just recent if all this " 7 '' times that it was reported against my Account and Social Security Number. I made a total of 4 calls this morning, all calls to XXXX were recorded and the 1 call to the Law, Office of Maury Cobb was also recorded, the female named XXXX from this Law Office was Argumentive and sarcastic polietly and refused to remove this fraudulent account. 

I Notified both XXXX XXXX XXXX  and The Law Office of Maury Cobb today that this account was paid off a year ago, and it's on my credit card and never in collections, and requested they remove their fraudulent reporting from all 3 National Credit Bureaus from my Social Security, because the are reporting fraudulently and ruining my credit score that is affecting my credit/ FICO score to obtain Credit. They BOTH REFUSED TO ASSIST ME.

( I also requested they put all my conversations and the info I'm supplying to them today in the notes of my account for future reference ).