davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: First Technology Federal Credit Union (OR)

I am trying to remove myself from a joint savings account that I am on with my ex-husband. I am being told that I do not have authority to do so without his signature. He will NOT cooperate. I do not need the account closed I just need to be removed before he stacks up fees that I will be liable for because he will not pay fees.
Consumer complaint received 2019-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc. (DC)

I contacted the company via email and by phone ( can not remember dates ). I informed them that this debt is not owed due to a court hearing where the judge said that there was no money that was owed. I provided them with the court documents and all but they are still negatively reporting the debt.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 money was taken from my account. I reported this illegal activity to my Bank of American the following day when I saw that this activity had taken place. I realize that my Bank of America debit card was missing from my wallet. I provide Bank of American a written statement about this incident and even provided a police report. Bank of American refused to reimburse me for the XXXX dollars that were taken from my account.
Consumer complaint received 2018-03-19
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ID)

To Whom it may concern, Bank of America has tied me to a fraud account after I paid an account that I owed off. Fraud checks from XXXX XXXX XXXX is what I am accused of into a bank of America account XX/XX/XXXX in amount of XXXX dollars give or take. Of which I am just now discovering after I paid my legitimate debt with Bank of America. I attempted to resolve this matter recently as I am just now finding out about it and I was told, I didn't do it in the 60 day period. My complaint with bank of America began last year in XX/XX/XXXX whom I began my complaint with account closure whom I spoke with team Manager XXXX, in which I explained I was already in debut to bank of America and on XXXX XXXX at the time, this account would have existed he filed a note. I called the Fraud Dept and spoke with XXXX XXXX whom filed claim number XXXX. 
XXXX told me it may take up to 60 business days, I followed up XX/XX/XXXX speaking with XXXX in which she had no update. Finally I called and spoke with XXXX XX/XX/XXXX in which she said the investigator concluded, I didn't complain about it within the 60 day period so it's too late. I attested I am just now discovering any of this and I have a letter from bank of America saying I don't owe them any debt or further debt when I cleared my account in XX/XX/XXXX. She submitted for the investigator and there supervisor to contact me within 3 business days. Neither made contact with me.
Consumer complaint received 2021-09-23
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with USDOE/GLELSI. I have always made my payments on time. How can this account show the payment status of 90 and 120 days past due when it has a balance of XXXX? With that blatant error, its clear that the bureaus do not keep accurate records. They are also reporting this company to be the owner of the debt when they are not! This account was transferred or sold to another company. The XXXX and XXXX Credit Bureaus can validate this information by investigating the matter and MUST correct or remove the defamatory information they are currently reporting.
Consumer complaint received 2017-11-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Go Capital Holdings, LLC (TX)

This is an identity theft account that o have provided documentation for, however the creditor will not remove it fro my account. 

I have provided all information requested to validate my address as well as documentation proving identity theft, however the creditor will not remove from my reports. 

I have also asked the creditor Go Financial to validate however they have failed to do so and it 's been 60 days.
Consumer complaint received 2021-07-06
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: ERC (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX -ARS # XXXX -XXXX  # XXXX XXXX # XXXX -ENHANCED RECOVERY COMPAN # XXXX -XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2017-11-27
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: Experian Information Solutions Inc. (NY)

I just received yesterday 2 separate letters from experian credit reporting agency. I am uploading the letters. Experian states they will not re-investigate an account that is reporting on my credit report that does not belong on my report. I have submitted numerous disputes about this creditor. XXXX credit reporting agency finally has deleted this account off my credit report I dont know why experian and XXXX are not removing it but I am frustrated at the fact experian sends me these 2 letters with 2 different report numbers. It is my right to dispute any information that does not belong on my credit report that is incorrect.
Consumer complaint received 2017-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

When I made additional principal payments, XXXX XXXX applied a XXXX Fee and prepaid additional payments taking 3 interest payments in one month. 

I have an impound account set up and they did not pay my homeowners insurance. The day before the homeowners insurance was due they sent me a letter telling me I am required to maintain insurance on my property.
Consumer complaint received 2023-01-26
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. (MD)

This is my XXXX  endeavor to tell you that I am a XXXX  of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX BANK XXXX XXXX Balance : {$35000.00} XXXX BANK XXXX XXXX XXXX : {$35000.00} XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2017-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

Account is with Wells Fargo and since XX/XX/XXXX of 2016 I have been charged over XXXX in overdraft fees, however accordin ti their written policies a majority of the fees should have never been charged in the first place, upon doing a detailed review of the account it also revealed that the overdraft fees are a huge reason as to why my management of my account was so poor. 

Wells fargo stated verbally on several occassions that they have no set time that you can make a deposit to cover an overdraft before you are charged the fee however in their own documents it states differently.
Consumer complaint received 2018-03-19
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pathfinder Credit Services (FL)

I have been called by creditors from pathfinder credit services about paying a debt in the amount of $ XXXX.After asking for  a copy of a signed agreement with my signature, i did not receive a response.I do not own the account i am being told to pay for.
Consumer complaint received 2016-10-30
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (CA)

Over the month of XXXX 2016 I made several online payments to my Amazon Chase credit card only to find none of these payments were credited to my account. Today XXXX, XXXX, 2016 I made XXXX payments of {$160.00} each again getting a confirmation of payment but no secondary message to my email per arrangement. I returned to the Chase credit card payment site and it indicates no payment having been made. I suspect systemic fraud by Chase to continue to assess interest on outstanding balance even when payment is made.
Consumer complaint received 2020-05-02
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. (DE)

In XX/XX/2019, I realized that my personal information was compromised via identity theft. I reached out to all 3 credit bureaus and requested that they remove the information for XXXX XXXX.Transunion did their investigation and then XXXX XXXX   was removed. A few weeks later, Transunion reinserted the fraudulent account by XXXX XXXX  without notifying me within the required 5 business days of reinserting by the FCRA. Since then I have sent several copies of my drivers license, social security card, identity theft report as well as a personal letter requesting that the information is removed. Transunion has used an EOscar menthod of investigation without and true explanation of why they reinserted the account, nor any written proof from XXXX XXXX  that the account belongs to me. I have requested verification and they respond that the account has been verified. I have received to documents that by law, I am entitled to. Transunion is not only in violation of my FCRA rights, they are defaming my name by reporting fraudulent information on my credit report. I will be filing a report with the attorney general in my area as well as filing a complaint with the XXXX. From there I will be filing a lawsuit and suing Transunion as well as XXXX XXXX.
Consumer complaint received 2019-05-11
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ECMC GROUP, INC. (SC)

ECMC/Educational Credit Management Corporation is trying collect on a student loan that I don't owe. I never take out student loan. And just they garnish my wage. I request validation of the debt in XX/XX/2019 & I dispute the alleged debt with any luck. ECMC sent me documents that I never seen before and those docs has information that doesn't apply to me. 

I ask for the following in my request : documentation to show where I agree to pay them documentation to shows all terms and condition documentation to show their legal standing to collect money from me documentation to show original creditor name and my name on the same document. 
documentation to show proof of assignment or ownership of the alleged debt Copy of legible original contract I've never apply for a student and I don't owe them any money and ECMC is committing fraud and stealing money from me with the wage garnishment.
Consumer complaint received 2017-11-27
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. (NY)

The following names on are incorrect on my credit report : XXXX XXXX ( Extra XXXX in my first name ) XXXX XXXX ( Last name spelled with a XXXX ) The following addresses on are incorrect on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( This address is not correct. Where did park come from? Also, it 's classified as an apartment ) XXXX XXXX XXXX XXXX NY XXXX ( Missing XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX NY XXXX ( totally incorrect as the apartment is in the street )
Consumer complaint received 2021-07-06
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)

Hello there are several unauthorized credit inquiries on my account that I have yet to have verified to be authorized by myself. Many of which are not attached to accounts. 

I am not sure if this was due to data merges as a result of the data breaches or something else. In applying for an auto loan, I only wanted one bank to be reached not several. Also with any bank 's the same applies. Everything else is there with no confirmation of it being mine which Is a problem for me. Please ask bureaus why they consistently seem to break the law when I have yet to see even a contract.

Per New Credit Act of 2020 section 401 derogatory items need to have agreements or contracts authorized by myself which none of these have. The bureaus refuse to comply with the law. 

Thank You
Consumer complaint received 2021-07-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (WA)

Applied for a {$200.00} loan online. I have done this before with other companies with no problem. I was under the impression it would take about 6 months with automatic monthly payments of {$53.00}. The loan started in XXXX so when I saw the sixth payment come out of my bank I went online to check the status of the loan. I was shocked and horrified when I say that payments were scheduled until XXXX. The total amount I was to pay back is over {$1500.00} for a {$200.00} loan? They are charging over 64 % interest. Please help me!
Consumer complaint received 2021-07-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

No action taken due to service used to transfer the money ( XXXX ) Bank of America XX/XX/2021 - {$2000.00} XX/XX/2021 - {$1500.00} XX/XX/2021 - {$350.00} this was a rental scam - I have proof if needed
Consumer complaint received 2018-06-08
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 — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

On XX/XX/XXXX I received a consumer report from Chexsystems. On that report I discovered that there were negative, fraudulent, unauthorized accounts opened in my name listed on the report. So I immediately went to local law enforcement to file a police report. After doing some research as to the steps I had to take in order to get the inaccurate information off of my report, I proceeded to dispute the info with chexsystems. 
On XX/XX/XXXX I sent them them the police report, an identity theft affidavit from the Federal Trade Commission, a letter stating that I am a victim of identity theft and a copy of my government issued ID.

On XX/XX/XXXX I received a letter from chexsystems stating that they had verified the information that was on my consumer report because they sent me a copy of a forged signature card. And If I wanted to pursue the matter further that I should send them a copy of police report, ( which I already did ), and inform the original furnisher of information to dispute directly with them, ( which I already did ).
Consumer complaint received 2017-11-27
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. (MI)

A home mortgage company requested a credit report from multiple banks. It was without my knowledge that they would request this from over 15 banks which ultimately had over XXXX hard inquiries on my report. I have spoken to XXXX, XXXX and Transunion and all have mentioned that I need to have the bank/company remove this or write a letter acknowledging this. I have had no luck with this route as no company has responded to my claim. 

At this point, I feel if the 3 credit bureaus cant prove that I made these inquiries, they should be removed. This is not fair to the consumer, rather only fair to the large banking institutions.
Consumer complaint received 2021-09-23
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: CULLEN/FROST BANKERS, INC. (TX)

I didnt no apply for frost bank account and i have the dispute open with XXXX  and at first they denied it and im sending them documents to them to get it blocked/removed off my file... and i would like a copy of my XXXX report .... the dispute in question is frost bank xxxxxxxXXXX balance XXXX ... this account was open without my consent this is fraud
Consumer complaint received 2018-06-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (FL)

I joined XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX , XXXX , Florida XXXX on XX/XX/XXXX. I am XXXX years old and was concerned about using the club in future, but the club representative assured me that I could cancel at anytime with no penalty. In XX/XX/XXXX, I had only used the gym a few times and was having a few health issues so I called to cancel, with no success. I had set up a monthly fee on my XXXX. I wrote the XXXX XXXX XXXX, per the XXXX XXXX Contract, and told them I was giving them 30 days notice to cancel my account. I mailed the letter certified mail with a copy to XXXX XXXX XXXX XXXX, XXXX too. I receive calls and texts every month and today I received a collection letter from debt collector suggesting they would damage my credit unless I pay. Thanks for your help.
Consumer complaint received 2017-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION AND XXXX XXXX TO FOLLOW SUIT AND DELETE UNAUTHORIZED HARD INQUIRIES FROM MY CREDIT REPORT.. I 'M FED UP WITH THE RED TAPE AND EXCUSES, XXXX DELETED WITH NO ISSUE, AND I SENT CERTIFIED LETTERS TO THE CREDIT AGENCIES WITH NO RELIEF
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

A few months ago I sent the consumer reporting agencies letters notifying them that there is inaccurate information on my credit reports like my name, birthday, address, and employer. I sent them together with a copy of my ID, proof of bill, and social security card. I believe that they mixed my information with someone else or I am a victim of fraud. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2021-09-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I.c. System, Inc Claims to now own a reported debt for cable T. V. 

I've never had cable T. V. 
I did have internet account in which I requested To Close Account for 4 months due to the wires being faulty and landlord / management refused to pay. Owner just passed from XXXX and HOA claims no liability. My kids were in on line school, I am XXXX from XXXX and XXXX  XXXX. We had to move. Began in XX/XX/XXXX till XX/XX/XXXX. Equipment had been returned, technicians confirmed and verified no service on interior lines since XX/XX/XXXX. Called repeatedly threatening me to block all source of internet companies and I would be arrested because my kids could not go to school. Their name is XXXX XXXX XXXX XXXX Every so often apologizing and clearing the erroneous amount due after they failed to close account. A month later a new person would call and the entire thing would start again. Did not hear from them after I was told no long amount in dispute. Over 1 year. Suddenly this appears and ic begins to harass me as if I am unable to know what I owe and how to manage. Suggesting my 'disability has handicapped my brain, maybe someone else should pay debts do I do not cause more damage '. All I can say is ignorant! Please help me to prevent companies from this unprofessional behavior. After explaining they could just act rational and not negatively effect my disorder with needless stress they began to capitalize on that exact point Over and over again. I hope they kept the recorded calls to be heard. Shameful! 
If you would please help with a written guideline for me to resolve successfully. Thank you. The Mark on my credit effects my kids college loans. And all 4 kids want to go. # 2 is applying now. Hence my noticing prior to another student loan. I do not have any late payments and several accounts are not reported at all. Happy day to you. 
XXXX XXXX XXXX XXXX have never received any document from the I.c. System, Inc.
Consumer complaint received 2018-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Social Finance, Inc. (GA)

SOFI reported my account as 30 days late when I made special arrangements, due to a diagnosis of XXXX XXXX and XXXX in the month of XX/XX/XXXX. I have been a customer for 1 year, no issues with payments until I became ill. I contacted SOFI to let them know what my plans were on XX/XX/XXXX, as that is the day my loan is due. 
My payment is XXXX per month. On XX/XX/XXXX, I paid XXXX on XX/XX/XXXX, I paid XXXX and on XX/XX/XXXX I paid XXXX to be all caught up. When I discovered they had reported me as 30 days late on XX/XX/XXXX, it made my score drop a whopping 100 points. I contacted them and they said they would do nothing. They were following government rules is what they said. I asked what rules they were speaking of I couldn't get a proper answer. I spoke with 3 separate people regarding this issue. XXXX, XXXX and XXXX who was the last person who told me they had to follow government rules. 
He was quite sarcastic and said it was nothing he could do. I ask if I could get a goodwill removal o the 30 day late, he said NO.