davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

You have an account on my file from XXXX that needs to be removed from my credit file. 
In accordance to the FCRA and the FDCPA the information you are to provide on my file is supposed to be correct, but you have information such as the balance and so forth that is inconsistent and needs to be removed immediately. 
This notation is in regards to Equifax and XXXX.
Consumer complaint received 2018-01-20
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: Diversified Consultants, Inc. (PA)

A collection debt is being reported on my credit report at all three credit reporting agencies that I does not belong to me. This is the second time that this debt has been reported to the credit agencies. This is also the second time that I am reporting this to CFPB. The first time was compliant number : XXXX. 

The first time the debt collections was reported by XXXX XXXX and this time it is reported by XXXX XXXX. They have changed the debt amount by {$1.00} apparently to get around the requirement that this is not the same debt. The debt belongs to : XXXX XXXX, XXXX XXXX XXXX XXXX MD XXXX My name is : XXXX XXXX, not XXXX, and I have never lived at the address in XXXX. I do not have any money due payment to XXXX, nor have you or anyone else contacted me regarding this overdue account. 

I have previously contacted XXXX about the debt and they responded through you saying they needed more information to identify me. The contact email address they provided was incorrect. I have already provided in the compliant sufficient information to identify who I am and my credit report. There is only one collection account in my entire credit report and that is from XXXX. Therefore, it should be obvious which collection account is incorrect. Also, the collection account records from XXXX are for someone with a different name and address to me.
Consumer complaint received 2017-06-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (GA)

I made a purchase at Best Buy using the  my Citi Best buy  Credit card. On  XXXX / XXXX / XXXX  in the amount of  XXXX  with a deferred balance for twelve months which gave me till  XXXX to pay it off I paid over that amount to honor the deferred amount. I was charge  XXXX  dollars in interest on my  XXXX   XXXX  bill. I called the company and they stated once interest is on the bill it can not be removed. I did make another purchase in  XXXX  for  XXXX  dollars. In order not to get the interest charges I had to pay the entire bill not just the promotional balance which was not made clear during any of my purchases.
Consumer complaint received 2020-08-19
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: WELLS FARGO & COMPANY (GA)

I filed a dispute inregards to the incorrect and unverifiable items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2022-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

On XX/XX/2022 I went online to Bank of America ( BAC ) to pay 2 credit cards I have with that company, a Visa, and a XXXX. 

I scheduled two payments, $ XXXX to XXXX, and $ XXXX to XXXX. I have more than one bank set up to pay my bills. In error, I selected the wrong bank, XXXX, in setting up the payments, which didn't have the necessary funds. 

I discovered the error on XX/XX/2022, finding the payments credited to BAC, but XXXX seriously overdrawn almost $ XXXX. I contacted both XXXX bank and BAC immediately, finding it extremely difficult to speak to a live agent. Finally, I spoke to each party, both explaining what happened and asking for assistence in how to proceed. Customer service from both companies was terrible, especially BAC. The latter informed me that a second attempt would be made to process the payment and that there was nothing to do but " let the process play itself out ''. I immediately went to XXXX and deposited $ XXXX to cover the overdraft. 

On XX/XX/2022, XXXX sent emails regarding the lack of funds and I quote : " This payment is still due to the Pay To account. Please deposit adequate money in your Pay From account and reschedule this payment using XXXX XXXX or make the payment using an alternative method. '' I assumed that BAC wanted me to reschedule the payments and that they were not going to automatically process them a second time. So on that date I went to their website and rescheduled the payments in the same amounts as I did before. 

On XX/XX/2022, XXXX again withdrew $ XXXX from XXXX, and I thought the mistake was resolved. To my horror, on XX/XX/2022, they withdrew another $ XXXX total, again overdrawing my account. 

I contacted BAC and the agent refused to reverse the transaction. It was ridiculous... ..my XXXX actually had a credit in the amount of $ XXXX! 

I have racked up overdraft fees from XXXX in an amount now totalling {$140.00}, and this is not the last of it. I did open a case or claim with Citizens to look into the matter, but I am not aware nor have I been notified that anything has been done. 

I am extremely upset that neither institution was able to stop a very unfortunate mistake from turning into a nightmare. I have been bounced back and forth between the two companies by their " customer service '' agents, who have not taken any actions whatsoever to halt this cascade of horrors. 

It seems that in this digital age we have lost something very important, human compassion and instead must become the victims of computer transactions.
Consumer complaint received 2016-08-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (VA)

Hello, This has been an ongoing issue with CITI Bank since XXXX XXXX. The previously filed complaint number is : XXXX I consulted an attorney -- XXXX XXXX, XXXX XXXX - XXXX ) to work on reaching a settlement with CITI back in XXXX and after at least XXXX reassignments of Agents and 18 months CITI assigned an agent to review the case. 
XXXX XXXX Homeowner Support Specialist XXXX, Extension XXXX ( use leading XXXX ). 
CitiMortgage , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX After numerous communications and providing all needed documents on XXXX XXXX, XXXX we were informed that the case has been referred to a negotiator - Attachment # XXXX. 
Later I was informed that the case had been assigned to a Law Firm on XXXX XXXX, XXXX. 
This is is an small example of frustration that I have experienced with CITI and their mortgage operation.
Consumer complaint received 2018-01-22
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. (CA)

Someone is using my name, social security number, and date of birth to apply for credit cards.I do not know why anyone would do this, but I have contacted the police to file a police report and I have also placed a fraud alert on my credit report. I have never applied for credit with the banks - I have listed the inquiries. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : >In Collection< # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The above inaccuracy is stopping me from being able to acquire a loan to buy a home.
Consumer complaint received 2021-08-13
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: EQUIFAX, INC. (PA)

There Are Several Credit Inquiries On My Credit Report. I Have Sent Multiple Letters To The Companies Requesting Proof And Explaining I Didn't Authorize A Credit Pull. XXXX  Has Been Notified Several Times About These Issues And They Still Remain On My Credit Report.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

I had fallen behind in my mortgage payments with Green Tree Servicing ( now Ditech ). Several months ago, I resumed making the payments and even sent one check covering three payments. Green Tree/Ditech cashed all of these checks, but never credited the account. In XX/XX/XXXX, I sent them another check in the amount of {$540.00} ( one month 's payment ), but they returned it, claiming that the amount is insufficient to reinstate my account and that they have begun foreclosure proceedings against me. They claim that I owe more than {$3500.00} to reinstate the account. The amount I owe should be about {$1200.00}. They have also been charging me {$100.00} per month for " repairs '' without explaining this charge.
Consumer complaint received 2017-06-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

FNB  and  XXXX   XXXX   XXXX  attempt to well test in  XXXX   2017  with previous buyer, same company and could not because of a leak in the pump. Same issue with me second attempt and still not fixed. Tried to make me pay for it to be fixed in order to test. Dragged it  out two weeks, Finally fixed and tested third attempt same company two weeks before closing.   XXXX   XXXX   presence, suspect a covered up issue. Would not pass HUD  with previous buyer?   XXXX  Also I obtained pre-approval with FNB and they inflated closing cost because it was there foreclosure which I did not know until later - Conflict of interest.   XXXX   XXXX / XXXX / 2017  Bid Acceptance  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$1000.00} ) Good Faith  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$200.00} ) Inspection Water  XXXX / XXXX / 2017  Check UNCATEGORIZED  XXXX  ( {$450.00}  XXXX   XXXX   XXXX   XXXX / XXXX / 2017   XXXX    XXXX   XXXX   {$360.00}  XXXX / XXXX / 2017  Make decision on test results - no time to bleach and retest.   XXXX   XXXX / XXXX / 2017  -  Close Date
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (MD)

My credit monitoring service reported that Allied Collection Services of XXXX XXXX reported an account to the credit bureaus. Allied Collection is in clear violation of the FCRA and the FDCPA. No prior notice of this alleged debt was ever provided. When I contacted them by phone for an explanation, they refused to provide any assistance and disconnected the call without explanation. I dispute any purported debt in its entirety. 

XXXX XXXX
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 — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I was informed about a account with XXXX XXXX XXXX over 2 months ago. I informed XXXX  XXXX XXXX this was due to fraud and this was over 30 days ago.As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. XXXX has failed to uphold the law I have attached the police record and my move in sheet from my apartment
Consumer complaint received 2018-01-15
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. (OH)

Over the course of the year XX/XX/XXXX I called the credit bureau to get negative items and inquires off my credit report the credit bureau refused to remove the inquires I saw on my report and items ( inquires ) were removed and placed back on my report they didnt notify me in writing within 5 days and they violate under The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order All other inquiries that are not related to none of the aforementioned permissible purposes must be removed! I did not authorize none of the inquires on my report for XX/XX/XXXX & XX/XX/XXXX. I ask that all inquires be removed off my report
Consumer complaint received 2023-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY (MN)

I joined a startup company in XX/XX/XXXX as an XXXX. In XX/XX/XXXX I was asked by the CFO and CEO to open a corporate credit card, I chose the American Express Small Business Card and opened in the Company 's name. In XX/XX/XXXX, the company ran out of money and ceased making payments on the credit card. In XX/XX/XXXX I received a call from American Express regarding the outstanding balance of {$160000.00}, which I was aware of. However, on that phone call they informed me that I was personally liable for the entire amount. <P/>Again, I was not an officer of the company, but was just an XXXX that was asked to open a corporate credit card, which I did. I had no idea that I was personally guaranteeing the company 's credit card and that it would affect my personal credit and also potentially force me to cover the entire amount.
Consumer complaint received 2017-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

It is  2017    and I have repeatedly asked all  XXXX  credit bureaus to remove old accounts and ones that have been paid and cleared and/or dismissed. It 's making me look irresponsible yet I have contacted the companies as well. I know my rights.
Consumer complaint received 2023-03-10
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: DISCOVER BANK (FL)

Hello My name is XXXX XXXX XXXX, I am a victim of Identity Theft, I was part of the XXXX XXXX, My name, social, drivers license, emails, phone and 1 bank account was breached.

I went to the Sheriffs Office and filed a report with a Detective. I will attach everything to this email. The XXXX Fraud Specialist has confirmed with me the breach and has deleted the fraudulent accounts. XXXX and XXXX XXXX are battling for me against Discover and XXXX XXXX Both companies come back as " verified '' even though I have proof I was a victim of identity fraud. 

These 3 accounts with XXXX listed below and 2 accounts with XXXX XXXX listed below are hurting myself ad my family to obtain credit and is causing a great hardship. T These 2 accounts need to be deleted and stop being reported to XXXX XXXX : XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

These three accounts are being reported too XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

XXXX Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Discover Account # XXXX XXXX XXXX XXXX. Fraudulently Opened on XX/XX/XXXX. ( Identity Theft! ). 

Thank You XXXX XXXX XXXX
Consumer complaint received 2017-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

I recently received a letter from XXXX XXXX XXXX. stating that the debt was valid all they provided was a letter they Typed up, and Like 4 or 5 bills. They did not provide no solid proof that this debt was mines no signature or ID showing that this was mines.
Consumer complaint received 2020-09-02
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 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 XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

i have tried to shut off autopay on my federal loans but with no success. i recently paid my loans in full but they still took my autopay of {$140.00}. now my loans are over paid but they have n't returned my {$140.00}. i would like my money back with interest. i feel like if i borrow their money and they charge me the ungodly interest that they charge me that if they borrow my money, which they have, i should be able to do the same to them.
Consumer complaint received 2018-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

My complaint is against XXXX and Experian. They have not removed the collection of XXXX XXXX XXXX off my credit report, when I have already filed a complaint against XXXX XXXX XXXX and the have reported twice that they have have the 2 credit bureaus to remove this from my credit report. Screenshots of the company response is attached.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

My husband passed away in XX/XX/2022 I went to Bank of America to close out his checking and savings and I was not allowed to do that as his wife. At that time I presented the will and the death certificate and they still refuse to close the account I want to close both accounts. These accounts have not gotten not one penny of interest at all. I do not wish to do business with this Bank I want to close my husband 's accounts. Not only has this created a financial hardship it has caused more stress and grief. I am already broken from the loss of my husband now Bank of America has compounded it. This bank has not only refused to cooperate they have been rude and condescending. They have not even made an attempt to resolve this issue. They have not even told me one thing as to why I am unable to close these accounts they have not given me any reasonable explanation why they are holding this money.