davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

XX/17 -TransWorld Systems.  The company listed is NOT bonded in the state of Texas and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
Consumer complaint received 2016-08-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2019-10-20
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: Ad Astra Recovery Services Inc (CA)

This collection agency is reporting a same account on my XXXX TWICE. And also is reporting with different names on all 3 credit bureaus. I recently disputed this error followed by the fair credit reporting act but they have not yet removed this account from my 3 credit reports.
Consumer complaint received 2024-01-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was notified through my banks credit notification of a new credit inquire on XX/XX/year> via email. I also received an email with reference number from Bank of America of my approval on XX/XX/year>. I contacted the Bank of America on XX/XX/year> stating I did not open a credit card and I had no knowledge of a credit card. The company said they closed the credit card due to fraud and said they will send me a copy of the application. I then added a freeze through all three credit bureau.
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Dear Sir / Madam, I want to view my annual credit report and since I moved to XXXX, website is not allowing to view / download my credit report. Getting message that " this option not allowable in your country '' and instructed to approach you. Request you to let me know how can I get the report. Also let me know how can I reach you or you will be reaching me to get my contact & other details. ( Mentioned above not to share contact info and other details in this area ). Looking forward your response at the earliest. 

Thanks in advance, Thanks & Regards, XXXX XXXX ( XXXX ) XXXX.
Consumer complaint received 2018-03-18
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)

I have been in a constant struggle with Bank of America for years now. 

In XX/XX/XXXX they began taking {$50.00} credit card payments from my savings account to pay off a credit card that I owed nothing to. My balance was at XXXX. 

In XX/XX/XXXX I finally noticed them draining my account and went into a branch who told me they could send me " {$200.00} '' checks in the mail to pay me back for my debit. 

I turned off payments in XX/XX/XXXX and never turned them back on. 
I also never received the full balance they owed me in checks. 

Some months later, BofA turned the payments back on without my consent and began charging my card {$50.00} every month again although I still did not owe anything. 

In XX/XX/XXXX, I noticed they had turned payments back on and I shut the payments off. They told me they were going to launch an investigation into how much they owed me and it would take 3 months. In XX/XX/XXXX I received a check for only {$200.00} ( far less than what they owed me ) and they continued to charge my card. 

By now they had drained my savings so much that they were now charging me maintenance fees too. 

In XX/XX/XXXX, I noticed they had turned my payments back on AGAIN without my consent and were charging me AGAIN. I went online to shut them off and my online account said I did not have any payments to shut off therefor could not shut them off. The representative saw what I saw as well and notified tech - she launched another investigation internally with BofA to see what was going on. 

She tried to calculate up how much BofA had calculated they owed me over the course of 6 years and their total was {$800.00} - far less than what they actually owed me. 

it is now XX/XX/XXXX and no one has turned off my {$50.00} payments and I still am not able to turn them off on my own. I have been sent {$800.00} and am owed far more. I am currently documenting all details and exactly how much I am owed. Should be an estimated {$2400.00} ( 6 years minus the small payments they have made to me ). + they owe me for the maintenance fees that their systems caused and the time I have gone without my money in my account AND the time I have wasted trying to sort this out. 

If they are doing this to me - they are doing this to other people as well.
Consumer complaint received 2016-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I have XXXX hard inquiries on my transunion credit report that either are not mine or I did not authorize. They are for XXXX XXXX and XXXX. They are affecting my credit negatively are need to be removed. They were not done by me and the issue needs to resolved immediately before I am forced to take further actions.
Consumer complaint received 2021-06-04
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Automated Collection Services, Inc. (FL)

On the last week of XXXX, I received a call from Automated Collection Services , Inc. regarding an alleged balance with XXXX Hospital. The lady was talking nonstop about the balance and how I need to pay over the phone asap. As I tried to tell her that I haven't received the bill because I am out of the country, she began talking over me, making sarcastic comments on how come I didn't receive the bill, etc. At which point, I had to raise my voice so I can advise her once more that I am out of the country. I gave her my email to email me the bill, which she said she would that week. Through the call, her harassing tone was annoying. 
A week passed with no email, and on XX/XX/XXXX, another rude and ill-mannered female called and asked me to pay again, while she too was harassing me about the bill. Again, I had to raise my voice so she can finally hear that I haven't received the email. In fact, I told her to forward me that email ( since according to her was sent to me ) while we were on the phone, and instead, she continued to harass and finally, she hung up the phone. 

I called back and spoke to her manager who apologized, however, I do not appreciate being harassed like this.
Consumer complaint received 2023-03-30
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 (IL)

On XX/XX/2022 I cancelled my " 7 day '' free trial with XXXX. I did so by calling their customer service line, and all was good in the world. A few days later, I see a {$100.00} charge from XXXX XXXX  XX/XX/2022 charge ) on my Goldman Sachs " Apple Card '. No worries, I am protected here as a consumer. I file a dispute, and soon after, the findings rule I was in the wrong, per Goldman Sachs. Their backup is frivolous. It shows a trial period ending in XX/XX/2022! My seven day trial was not back in XXXX, they also failed to show me my signed contract with them ( does not exist ), heard they said there was one, which is a lie. Also, their back-up proves my story, that I used their service just once, and right when I said I cancelled you see my data usage drop off. XXXX 's backup proved it. Yet Goldman Sachs ruled against me. 

I told all of this to Goldman Sachs, and each time, same song and dance, I dispute the charge, and XXXX gives the EXACT same backup, and I expand and expand.. providing more backup as to why this charge is frivolous and baseless, and requesting documents from XXXX ( through Goldman Sachs ) and nothing ever comes of it, and I keep getting my dispute denied for the same reasons. " Justified charge '' ... without an explanation, which is wrong. My rights as a consumer for fair charges has been broken, and for proper justice & detailed explanation as to why my dispute is denied, also is not occurring.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX **XXXX XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX # # XXXX **Subject XXXX Dispute of Incorrect Late Payments on Secured Credit Card Account** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the incorrect late payment entries on my credit reports from XXXX and XXXX for my secured credit card account ( Account # XXXX XXXX ). These entries are not accurate and have negatively impacted my credit score. 

**Details of the disputed information : ** - **Account Number** : XXXX - **Account Type** : Revolving - **Account Status** : Open - **Monthly Payment** : {$9.00} - **Date Opened** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - **Balance** : {$360.00} - **Credit Limit** : {$470.00} - **Past Due** : {$0.00} - **Payment Status** : Current - **Last Reported** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - **Date of Last Payment** : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) # # # **Discrepancies in XXXX History : ** # # # # **TransUnion : ** - **Late Payments** : 60 days XXXX XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) # # # # **Equifax : ** - **Late Payments** : 60 days ( XX/XX/XXXX ), 30 days ( XX/XX/XXXX ) These late payment entries are inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information on my credit report. The credit reporting agencies are required to investigate and correct any inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed.

# # # **Action Requested : ** 1. **Investigation and Correction** : I request that the Consumer Financial Protection Bureau investigate this matter and ensure that XXXX and XXXX update my credit report to reflect accurate payment history. 
XXXX. **Notification** : Please notify me once the corrections have been made. 

Enclosed are copies of my credit reports from XXXX and XXXX highlighting the disputed entries, as well as documentation proving my timely payments for the disputed months. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving these inaccuracies. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
Consumer complaint received 2022-02-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

I deposited a check around XXXX for XXXX. **from the irs for back taxes that they owed me and i was told they wanted to close out my account because i was a bad client and that they would mail my funds to me with a letter stating why they closed my account with it. I received a letter on XXXX saying everything would be handled by the XXXX and i would have my funds. No check was in the envelope. I have called 65 times only 2 reach only 2 managers and when asking them what is going on with my funds the only answer i would receive id I do not know. I got hung up on several times.I would like my funds from Suntrust Bank/ truist
Consumer complaint received 2017-02-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I was contacted by debt collector, XXXX XXXX XXXX, XXXX regarding a credit card debt with Capital One in 2015. I agreed to settle with XXXX XXXX XXXX to avoid going to court and paid the agreed settlement amount in full. The update was made to my credit report by Capital One stating that the account legally paid in full for less than the full balance, which the current balance showing XXXX. Since the final payment in 2015, XXXX XXXX collection agency is requesting payment for the remaining balance of the account in the amount of {$280.00} although the account has been settled and fully paid to XXXX XXXX XXXX. Please assist me in stopping XXXX XXXX from attempting to collect from me and reporting a collection on all XXXX Credit Reporting Bureaus. I have settled the account legally and do not owe anymore on this Capital One debt.
Consumer complaint received 2015-08-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (CA)

I am a victim of Identity theft. A account was open on or around XX/XX/XXXX with XXXX that I did not authorize nor did I make. I have contacted all the credit bureaus letting them know I am a victim of identity theft. A police report has been filed with the XXXX XXXX XXXX Sheriff Department Report # XXXX on XX/XX/XXXX for Identity theft. I have also filed a complaint with The XXXX ( XXXX ) is a partnership between the Federal Bureau of Investigation XXXX FBI XXXX Complaint Id : XXXX I have filed a complaint with the Federal Trade Commission Reference. I have disputed it with all three credit bureaus and Cash call directly letting them know I did not open this account and that I a victim of ID theft and requesting that the account be removed as it is not mine and they still keep it there. Equifax & XXXX wont remove it.
Consumer complaint received 2022-02-13
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: Experian Information Solutions Inc. (FL)

I HAVE BEEN BATTLING WITH EXPERIAN WITH THIS ISSUE SINCE XXXX AND ONLY THING LEFT FOR ME TO DO TODAY AFTER FILING THIS COMPLAINT IS TO FILE A LAWSUIT AGAINST THIS COMPANY IN A SMALL CLAIMS COURT. The issue at hand is in regards to a XXXX XXXX XXXXXXXX account which is being reported on my credit report. The XXXX XXXX XXXXXXXX account number is XXXX. This company first sent me a credit report stating that this account went into a charged off status in XX/XX/XXXX. We disputed this with the credit bureau telling them that this is not accurate as we been disputing this account since XX/XX/XXXX. Rather than investigating the matter they then changed the charged off date to XX/XX/XXXX. We disputed this with the credit bureau stating that we had no account that went into a charged off status in XX/XX/XXXX. 
This company held fast and said that the item was been reported accurately on my credit report and would not remove it or investigate it further and that the item was been reported accurately on my credit report. We then filed another dispute stating how can they say that the item is been reported accurately when the same item is been reported differently on XXXX and XXXX credit report. Experian then change my credit report to say that the account went into a charged off status in XX/XX/XXXX and once again this is false. 
There is also incorrect payment data and missing payment. On the credit report it states that the account is paid in full and that last payment was received on XX/XX/XXXX but yet on the same credit report it is stating that the account went into a charged off status in XX/XX/XXXX. Experian got a request for there method of verification on XX/XX/XXXX and to this day they have not provided me with such document and this is a clear breach of the Fair Credit Reporting Act. So, kindly delete XXXX XXXX XXXXXXXX from my credit report for the following reasons. 
Delete XXXX XXXX XXXXXXXX from my credit report as its old and obsolete. This account has been on my credit report for more than seven years Delete XXXX  XXXX XXXX from my credit report as there is missing and incorrect payment information on my credit report. 
Delete XXXX  XXXX XXXX from my credit report as there is missing payment and account information and this makes the account incomplete. 
Delete XXXX  XXXX XXXX from my credit report as I requested from Experian there method of verification as it pertains to this account since XXXX XXXX and 7 months have passed and they have not given me that document and this is a clear breach of the Fair Credit Reporting Act Delete XXXX XXXX XXXX from my credit report as the other two credit bureaus have done so already. 
Delete XXXX  XXXX XXXX from my credit report as I had no account with XXXX  XXXX XXXX that went into a charged of status in XXXX of XXXX. ( incorrect payment and account information )
Consumer complaint received 2017-04-30
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. (MI)

On  XXXX   XXXX ,2017  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  had inputted an inquiry on my credit report without my authorization.
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (TX)

This is further to my prior to complaints ( XXXX, XXXX ) where AMEX continue to decline that their agent on XXXX XX/XX/2022 promised to get my hard inquiry removed. 

Attaching automatically XXXX generated partial transcript of XXXX XX/XX/2022 with highlighted areas where the agent confirmed it. This is the evidence that Amex continue to ignore or deny
Consumer complaint received 2017-02-27
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Seterus, Inc. (FL)

a foreclosure was halted in XXXX 2016 by me XXXX XXXX in which I filed chp XXXX bankcrupty. 
In XXXX 2016 shortsale letter was issued by seterus the servicer. My loan amount was {$310000.00}. The amount from shortsale letter demand was for {$450000.00}. Their net demand was {$400000.00}.
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: WELLS FARGO & COMPANY (WA)

I received a student loan through wells Fargo. When I graduated that is when I started to make payments. But they kept on adding fees on my payments, there were a few times where where I called in my grace period to make a payment as my paychecks fell later in the month but the customer service was horrible, would n't work with me, added those fees. Then about 7 to 8 months into making my payments, the last day of my grace period landed on a Sunday, I got paid on Monday. I called the previous Friday where they confirmed I could pay the loan no problem. I called on Monday and they placed my loan in collections. I pleaded for them to take it out of collections and they would n't budge. They stated that it would n't accrue interest while in collections either but it screwed up my credit big time.
Consumer complaint received 2018-03-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (SD)

I applied for a Making Home Affordable to get my interest rate lowered. But they would not give it to us. But they lowered it from 9.8 to 8.875 at the time ( MHA ) Making Home Affordable rates was much lower. US Bank would not give us that type of loan. We applied over and over again for years. They would say we forgot a from or didn't sing it just anything to stop us from getting a lower rate. We feel it was because we are XXXX.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

EXPERIAN/XXXX/XXXX : THEY ARE REPORTING WRONG INFORMATION ON MY CREDIT REPORT!!! I PAID OFF A CAR LOAN XX/XX/XXXX AND THEY ARE STILL SHOWING IT. THE ARE SHOWING A B OF A LINE OF CREDIT STILL OPEN - I PAID IT OFF AND CLOSED IT 4 YEARS AGO. THEY PUT THAT I WAS 30 DAYS LATE XX/XX/XXXX AND THE ACCOUNT HAS BE CLOSED. I WAS JUST TURNED DOWN ON A NEW LOAN WITH MY OWN PERSONAL BANK BECAUSE OF THESE ITEMS AND MY CREDIT WAS XXXX POINTS SHY OF XXXX WHICH IS THE SCORE I NEEDED!!!! I AM GOING TO HIRE ATTORNEY-WORST CUSTOMER SERVICE EVER!!!!
Consumer complaint received 2015-07-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TX)

I am requesting validation of a judgement recorded on my report under the company name of ; XXXX XXXX. The judgement was filed with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Tx XXXX. I have recently had my credit report investigated for a removal of a judgment that did not belong to me. 
The FTC outlines the contents of the letter that you should receive : How much you oweWho you oweStatement giving you 30 days to dispute the debtStatement that, if you dispute the debt in the given 30 day time frame, the collector will mail you the verification of the debt or a copy of the judgement against youStatement that the collector will provide the name and address of the original creditor ( if different from the current creditor ) if you write a request for that within 30 daysNote : If you dispute the debt within 30 days, the debt collector must cease attempts to collect until they 've mailed you verification of the debt or a copy of the judgement to you.
Consumer complaint received 2022-02-13
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (OR)

- In XXXX of XXXX, I placed my federal student loans, which were serviced by Navient at the time, into forbearance due to financial hardship. The " Reply Yes '' email I received ( see attached ) stated they would apply forbearance payments to all of my federal student loans that they serviced- not my private student loans. On XX/XX/XXXX, Navient fraudulently applied forbearance payments to both of my private student loans, which they also serviced ( see attached documents ). I never requested forbearance for these accounts. Because they decided to apply payments to my private student loans instead of only my federal loans, it reset the statute of limitations and the seven-year timeframe that those loans would remain on my credit report. They should have fallen off around XXXX, but my credit report now states that these accounts won't fall off until XXXX. 
Every time I dispute this, with supporting evidence, Navient refuses to remove the accounts from my credit report. They also retaliate ( or so it feels ) by updating my account with incorrect information. For example, Navient closed these accounts and charged them off as " bad debt '' in XXXX, but in XXXX of XXXX, after disputing this issue for the umpteenth time, they randomly updated my credit report stating that I missed a payment and am currently late- which tanked my credit score even further.