davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2020 it was brought to my attention that there was some fraudulent changes that were made on my account with Bank of America. I received a text alert that stated there were some recent charges and on my account that they wanted me to verify. I let Bank of America know that some of the charges were not made by me and they went ahead and cancelled the use of my card and went ahead and sent me a new one. The fraudulent charges included {$200.00} to XXXX and two {$150.00} charges to XXXX. I was under the assumption that, since I had reported the charges, the funds that were taken from my account would be returned. That was not the case. I waited a few days to see if the funds would be returned and they never were. Bank of America went ahead and removed the charges from my account, so they no longer appear on my account. However the funds were nowhere to be seen. Instead my account balance was adjust to be {$500.00} less than when the funds were taken, as to make it seem like my account balance was {$500.00} less to begin with. I called to see why the funds were not returned and the representative told me since the charges were not on my account that they were never charged, which is not the case. I was pretty much told that I would need to call the companies that charged those funds in order to get my money back as they have no way of showing I was ever charged.
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (SC)

Convergent Outsourcing has been sending me collection notices in the amount of XXXX. The collection had been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (MO)

Received an unsolicited debit card in the mail. Contacted the bank ( Wells Fargo ) to request that the card be deactivated. The bank asked for certain identifying information including last four of SSN. Bank found two accounts opened using our information. They placed a freeze on both accounts and began an investigation into how they were opened.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have checked my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2021-10-13
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: NAVY FEDERAL CREDIT UNION (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2019-09-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NM)

Thier. Is a account on my credit file that is not mine it is U.S.A..A. Saving account not mine told XXXX. To remove it. and i have sent in a police Report saying that it is not mine. It was removed from XXXX. And XXXX.. so XXXX wants to play around with me like they don't understand. XXXX
Consumer complaint received 2021-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (OK)

On XX/XX/2021, I sent a certified letter to National Credit Adjusters ( NCA ) to verify a debt appearing on my credit report in the amount of {$690.00}. As of XX/XX/2021, I have yet to receive a response.
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA (WI)

On XX/XX/XXXX, I noticed an unauthorized charge to my Apple Card issued by Goldman Sachs Bank. I immediately contacted Goldman Sachs through their chat feature. While I was in chat, two more charges were attempted on my Apple Card to XXXX XXXX XXXX XXXX. 

The rep told me not to worry. They would credit my account. 


On XX/XX/XXXX, I received notice from Goldman Sachs that they have resolved the dispute in the merchant 's favor. I called Goldman Sachs, XXXX reviewed the ship-to address for the {$240.00} XXXX XXXX XXXX XXXX order. XXXX confirmed that it did not ship to my address.
Consumer complaint received 2021-01-28
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: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

A fraud account with amounts of {$4400.00} was opened on XXXX XXXX under my name by FAIR COLLECTION AND OUT but actually that was a mistake by the original creditor XXXX XXXX XXXX  XXXX. 
My credit score was decreased from XXXX to XXXX which is a big affect on my credit record. 
My attorney already contacted the original creditor ( sent them an official letter of requesting them to correct this ) to ask them to correct the mistake that they made on XXXX XXXX but the creditor didn't respond yet.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-06
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: EQUIFAX, INC. (FL)

There are over XXXX unauthorized inquiries on my credit report seemingly all belonging to financial businesses. These are not my inquiries. 

XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX ( XXXX inquiries made ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX XXXX I spoke with XXXX of XXXX XXXX and was told that I should call to dispute the inquiries as they are not mine.
Consumer complaint received 2021-10-13
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: Experian Information Solutions Inc. (NV)

In XX/XX/XXXX the financial crisis of the pandemic caused me to once again fall behind with my auto loan. Due to a technical error and user error my payment that I processes on XX/XX/XXXX was processed thru an external account prior to funds being available. Usually it takes 2 days for processing however my payment was processed the very next day which caused my payment to be returned and not satisfied until one day after being reported to the credit bureaus as a 30 day late... This caused my credit score to drop 72points. In addition I verified that for months XXXX, XXXX, & XX/XX/XXXX no payments has been reported as per the installment agreement arranged in XX/XX/XXXX ... On Time reporting for covid 19 reasons. I wrote the CEO, XXXX XXXX in late XXXX, unfortunately my concern was passed on and processed without consideration of my account status nor my loyalty with their company. I employed XXXX XXXX in XX/XX/XXXX and they were successful in getting my XXXX XXXX account corrected with XXXX only. The accou nt was corrected with Experian, however after after 45 days the incorrect information came back. XXXX has remained unchanged after several attempts to resolve directly with XXXX XXXX.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

I heard on XXXX, XX/XX/2020, that America First Credit Union would be charging $ XXXX monthly for their premium checking. 

Everyone of their account holders will be moved to that premium checking account. They stated you can call a number to opt out of the premium checking and have the normal checking, which is free. 

I haven't received an email or notification about this. 
So without XXXX I would have been left clueless as they took money. 

I feel its completely disgusting that they would force people to opt out of a paid service. Rather than encourage everyone to opt in.
Consumer complaint received 2022-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I believe Navy Federal Credit Union ( NFCU ) denied my mortgage loan application based on my race, being the head of household, and my age which were known by NFCU from supporting identification and documents requested by NFCU. This action by NFCU caused my family and I to be denied equity of becoming homeowners.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit report showed that my social security number has been fraudulently used by the following names : Other people that have used this Social Security Number : XXXX XXXX ; XXXX XXXX I have never lived at the following addresses that are reported on my credit report : XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX, ( XXXX ) XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - XXXX XXXX XXXX
Consumer complaint received 2017-12-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Massachusetts Educational Financing Authority (CO)

I am the co-signer on my son 's student loan from XXXX. I was out of work for a couple months and fell behind on the repayment. I have since contacted them almost 3 months ago and told them of my situation and that i was going to start making payments again and i would add an additional {$50.00} per month to go towards the past due which at the time was about {$1200.00}. I have made 2 regular monthly payments on time with an additional {$50.00} and i still get harassing phone calls from them almost daily. I feel that this is harassment. I have told the person calling that it is harassment and they said they have a contract with XXXX and they have to call even if your account is being paid by a payment arrangement as agreed upon because it is still past due. 
I have been in the XXXX and XXXX business for over 18 years and even I can see that this is harassment. I really feel that they need to be investigated for harassment.
Consumer complaint received 2022-11-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (TX)

on XX/XX/XXXX I got a phone call from XXXX XXXX XXXX XXXX explaining I had a debt. with them since XXXX. I live in Texas and the statue is 4 years. I explain that they never reached out to me and this was the first time I was hearing from them. I tried to get the mailing address from the fist agent I spoke to ( XXXX XXXX in order to send a request for verification but the agent refused to give it to me. 

If I am not mistaken the law requires them to send verification documents within a week. They failed to do this. I never got anything from them. I also believe they have been calling me at work which is embarrassing and upsetting to say the least. Since they failed to send me the information they can no longer harass me. 

pleas assist me.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, I discovered some accounts on my credit report that did not be long to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and found out that the disputed accounts were still there, These accounts are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX XXXX ) these accounts are not mine and they are reporting on my Experian and XXXX credit report, I am now reaching out the CFPB, because I am just tired of this Bureau, I need these accounts off of my credit report
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: WELLS FARGO & COMPANY (NM)

My unemployment card I have requested three times they told me the first two times it be in around two or three business day the first two cards arrived together through XXXX. I order the first card on XXXX XXXX then the second order of another card on XXXX XXXX they both arrived on the XXXX day XXXX. I order the third card on XXXX XXXX. Well since the first two cards I cancel them now today date is XXXX XXXX. My third card still has not arrived. I was on the phone with customer service and the young lady was being rude. Like it was not I asking about the third card. They have charges me three times when it's their fault. I feel someone or everyone is commiting fraud or trying for me to give up the funds to the debit card holder bank. I have bills to pay and am tired of them making too many excuses I have asks if they be able to transfer my money to my saving account they told me no. I feel they are able to do it but the refuses to do so. And the bank saving account is under my name and belongs to me the saving account. Am overwhelmed tired fedup stress out and just want to give up on life over this issues with this card debit card bank please help asap
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is concerning XXXX XXXX. This Is not my account. The name is spelled differently and social is different and also address. I sent in my social security card copy, ID and they promised to remove it and never did so. I need the account to be blocked and removed from three credit bureaus. Thank you.
Consumer complaint received 2021-05-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021, I filed a dispute with PayPal on a transaction through XXXX. I notified PayPal Credit and Pay about the transaction dispute ; on XX/XX/2021, Paypal Credit put charged {$280.00} ( Transaction ID XXXX ) back on my account. Paypal never closed my account dispute ( Case ID : XXXX ) ; they sided with the person that conned me on XXXX. A seller sent me the tracking number ; however, the item was not a XXXX switch. It was a bag of rubber bands that they sent to me. I felt that this seller had duped me. I have provided the pictures to Paypal to show proof with the tracking number included with the package. After the item was purchased from XXXX, the person removed his account from the seller 's log. I provided the information with pictures. I sent all the information to Paypal, yet they sided with the seller. I will not allow the seller to con me. I sent all the evidence to Paypal ; it angers me that they sided with the seller without contacting me for more evidence. They have delayed the dispute ; the credit card company ( Paypal credit ) recharged {$280.00} without contacting me immediately. I feel that Paypal is looking the other way, allowing fraud transactions to occur. I waited over 4 hours to reach a live person they still did not resolve my situation. I had to hang up. Its been over four months since they never replied and I am not able to get a hold of anyone.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Phoenix Financial Services LLC (CO)

I disputed and had fraudulent claims made by XXXX removed from my credit, however now they've attempted to add more XXXX to my report that is illegitimate through a different collection agency. This is getting ridiculous, I've already successfully won multiple disputes against these lying scammers. Get this XXXX off my credit report and quit claiming I owe you money.
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (AL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/Transunion, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. XXXX XXXX XXXX hired a third-party collection of XXXX XXXX to report items on the credit profile. Requesting Identification and signature If practices failed prior, my credit shouldn't be compromised as a consumer. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Consumer complaint received 2023-01-30
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. (NC)

I contacted both XXXX XXXX and Experian regarding a debt that was reported inaccurately to my consumer file. I sent a certified letter to XXXX XXXX on XX/XX/2023, they recieved that letter XX/XX/2023 telling them that I was not even in the state during the reported time of medical debt, and asked them to verify. They were unable to verify the debt that belonged to me and it was removed from both XXXX as well as XXXX, and however, Experian responded to my dispute as they were able to verify this debt without any documentation supporting their decision. Please see all attached documentation that was sent to both consumer and Experian.
Consumer complaint received 2021-06-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

SW Credit place on my credit report that I owed {$120.00} from XXXX formally XXXX XXXX. I never received any notice from SW Credit and paid the debt on XXXX because I was told the debt would be removed once payment was received. I contacted XXXX for an itemized bill and they stated they are are unable to provide because XXXX XXXX is no longer. I currently have a XXXX acct, have has XXXX since 2019. When I opened the acct. no one ever told me I had an outstanding balance and I didn't not have to pay a deposit to open my XXXX acct.. Then all of a sudden I have a collection acct on my credit report.
Consumer complaint received 2020-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (MD)

AFNI has just placed a debt which I have disputed through the CFPB multiple times in the past and it was been removed by each previous collection company because the account is fraud. I am now going to also file a complaint with the Maryland  Attorney General 's Office of Consumer Protection as this is now, I think, the fourth or fifth time I have disputed this debt as fraud but then it gets sold to different collection agency and isn't being flagged as fraud. 

They don't even bother to send anything in the mail anymore because they know FDCPA and State of MD law provides me 30-days to dispute it, so they just buy it and attach it to my credit card.