davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC. (NJ)

My info " may '' have been impacted by the Equifax breach. I 've done all I can on my part, freezing my credit with all 4 agencies, cancelling credit cards I do n't use, requesting new accounts for ones I do, changed my bank debit card, requested credit reports from the top 3 agencies, called my XXXX funds. Today, I went to sign up for the free one year identity monitoring through Equifax. Upon reading their terms, Equifax still wants to put my info out to third parties and I see no where to opt out except for preapproved deals.. This from a company that was having data stolen from mid-XXXX until XXXX XXXX when America was informed, but not before three top execs sold their stock. 

I am completely frustrated with this company, I called them today to complain but that 's all I could do. 

# 1 : Since my info is now out there forever the credit monitoring should be free for life. 
# 2 : I should be able to OPT out of their third party schemes. They already compromised my info and think it 's ok to sell my info again. 
Ridiculous. 
I did not sign up for their identity monitoring based on those 2 facts.
Consumer complaint received 2020-11-25
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OTHER ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-04-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (IL)

To whom it may concern, XX/XX/XXXX I received notice that my Navient Department of Ed loans needed attention. I call to request a forbearance and was approved. I've always only talk to One representative to place forbearance on ALL of my loans. I received notice on XX/XX/XXXX that my request for forbearance had been approved and payments would resume in XXXX. Moving forward I received an alert on XX/XX/XXXX from my credit monitoring service saying that i had 11 missed payments on my report. I have the email correspondence that says that if they service any other federal loans that forbearance would be applied to those loans. It came to my attention after speaking to several representatives, they did not apply them to all of my loans which was an error on their end. I've tried on multiple occasions to get this matter resolved. I was told to write a letter and send any proof that i had which i did and they denied me due to their error. They absolutely refused to remove the negative hit on my credit report. I've had these loans for at least 15 years so why would i let something like this happen knowing the outcome would be negative accounts on my credit report? 
Thank You for your time
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: National Consumer Telecom & Utilities Exchange, Inc. (MO)

On XXXX XXXX, 2017, I discovered a fraudulent tradeline from a collection agency originating from " XXXX XXXX '' I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). The FTC provided me with an identity theft action plan, which included requesting my free credit report from the National Consumer Telecom & Utilities Exchange ( NCTUE ), because of the fraudulent XXXX account. 

On XXXX XXXX, XXXX, and every day thereafter ( including weekends and off peak hours, such as XXXX. ) I have attempted to use NCTUE 's phone numbers to request my credit report. On the best of occasions, I get to the point where it says it is ordering my Credit Report and then it says it can not process the request.
NCTUE 's website does not permit me to directly request/access my credit report.
NCTUE 's website does provide a mailing address to request this information ; however, it does not provide any indication as to WHAT is required for me to send to actually get my credit report. Given the lack of security surrounding CRAs right now, I do not want to send more information than necessary. NCTUE has no way for me to verify what information they need and the phones are not working. I am the victim of identity theft and need this report, but can not obtain it from NCTUE.
Consumer complaint received 2019-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on loans with the XXXX XXXX - Account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These accounts have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on accounts that have a {$0.00} balance and {$0.00} past due.
Consumer complaint received 2015-03-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (MD)

I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2020-04-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF THE WEST (OR)

I started the process to file a claim for a fraudulent purchase with my bank, Bank of the West, on XX/XX/2020. The claim regarded concert tickets that I bought online, but I later realized the site was likely illegitimate. The total amount for the tickets were {$910.00}. Working with my bank, I turned in affidavit paperwork on XX/XX/2020 at my local branch. On XX/XX/2020, I received notice of the denial of my claim. Per my interpretation, I was denied because there is " documentation to prove the cardholder is in possession of and/or using the merchandise ''. The bank accepted several pieces of faulty evidence and/or inconclusive evidence to come to this decision. One piece of evidence implied that I had already attended the concert which has not occurred yet. In addition, I still have yet to receive any physical or electronic ticket. I had went to my local branch to appeal this decision based off of the false conclusions they came to. I had also called a customer service phone number that they provided to me. However, I have been repeatedly told that the claim can not be reopened, and they have failed to supply me with sufficient information regarding how I can appeal a decision that was not justly made or thoroughly investigated.
Consumer complaint received 2021-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (DC)

I had a fradulent Activity on my credit card with American express in XX/XX/2021. I submitted a fraudulent activity check and requested for a replacement card. accoding to the American express representatives a card was shipped to me but I never received it or used the card but my account kept on having charges reported on it during this time and American express reported a 30 day late delinquency on my credit report that is hampering my ability to get student loan. I need American express to stop accepting charges on my account and remove the 30 day delinquency from my credit report because that is unfair use of my credit account without my permission and American express is misguiding the credit agencies. can you please help ASAP? my student loan is due in XX/XX/2021. I would appreciate a prompt help and response. I have attached a chat with the American express customer representative who gave me the same response as below in quotes but still kept on charging my account until it was delinquent. I have also attached the fraudulent dispute with Amex and they concluded fraudulent activity was real. 

" Your current Card will be invalid and can no longer be used. For your protection, the last 4-digits of your account number will change. If you have recurring or automatic billing set up with Merchants, then they can continue to use the Card information that they have on file. 
Replacement card ( s ) delivered by XXXX will arrive in a white envelope displaying Amex XXXX XXXX logo. If not delivered by XXXX, it will be delivered in respective couriers envelope for XXXX, XXXX, or XXXX. 
Expect email and mobile app notifications ( if applicable ) regarding the delivery status. ''
Consumer complaint received 2020-05-29
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 
XXXX {$3500.00}
Consumer complaint received 2017-07-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. ()

I received a letter from Chase informing me that they were transferring my funds from both checking/savings accounts to the state the last week of XXXX, 2017. Since the letter had to be sent via airmail, I had a very little time to stop them. My accounts had been inactivated so I had to make an international call to spoke to their customer rep. Although that phone call stopped them from transferring my funds to the state, my accounts were remained inactive despite their promise to reactivate within 2-3 business days. I told them I would rather close my accounts than reactivating them since it was getting harder for me to maintain my accounts from overseas, which they told me to file a request from their website after they reactivated my accounts. But apparently, they had deleted my ID and password, and I could n't log in. Each customer rep told something different, some of which sounded rather questionable and knowledgeable.
My accounts had remained inactive for 4 months, then out of the blue I was told that my accounts have been reactivated AFTER I had been trying to CLOSE XXXX my accounts. I even sent my notarized request via fax just like what they told me to do in order to close my accounts. I chose to fax it instead of mail it due to their lousy service ; I had to take a trip to the US embassy in XXXX and paid {$50.00} to have my request notarized. I did n't want them lose it ; I had no more trust in their ability to do their job. I would NOT want to take another trip to the embassy and pay another {$50.00} to have another request notarized, which is I think is the likely scenario considering.
Now, they are telling me I must " mail '' my notarized request, that faxing wo n't do, which is the first time I heard. They said I could either fax it or mail it. And I chose to fax it because their words can not be trusted, NOT ANYMORE after all this. I do n't want to spend any more money trying to close my accounts. I did tell them I would be contacting CFPB as my patience was wearing thin.
Consumer complaint received 2022-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I contacted B of A card services by phone on XXXX to inquire about my three charge-off credit cards. 

The customer service representative in the collections department informed me that my accounts were no longer with B of A and that they were " placed '' with XXXX XXXX XXXX. 

According to XXXX, placement is the sale of securities. 

From my understanding, if a charge-off debt was sold, the balance being reported on the account should be {$0.00}. 

So if my debt was " placed '' with XXXX XXXX XXXX, the debt would have then been sold, and the balance reported to the three credit bureaus on my three charge-off debts should be {$0.00}.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Common Wealth Mortgage Services (NV)

My husband and I ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) have a mortgage with Intercap Lending and we pay XXXX a month. We acquired our home in XX/XX/XXXX. The three credit bureaus have not been reflecting our mortgage payments on either of our credit reports. We have contacted XXXX XXXX and they say they are reporting but when we contact the credit bureaus they do not see the information. We had a bankruptcy discharge in XX/XX/XXXX and since then we have had this issue. Please help us fix this issue since its affecting our credit.
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Dear Sir/Ma, To whom it may concern, I am filing this complaint about Chase bank, They restricted my account on XX/XX/20 and debited my account on XX/XX/20 with the sum of {$8400.00}. due to the check that i received from a customer. the check was never cleared, in addition to unavailable fund, Chase debited the aforementioned amount from my account and refused to release my hard earned money.
Consumer complaint received 2019-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent a letter to XXXX  and Trans Union on XX/XX/XXXX, asking them to investigate errors that appeared on my credit report. To my understanding, they are supposed to respond within 30 days, but they have not.
Consumer complaint received 2020-05-29
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. (NV)

I have a vey common name and did not know that other peoples information would be reported on my credit profile. I just stared checking my credit and notice so many accounts that should not be showing on my credit account
Consumer complaint received 2017-03-16
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Professional Medical Management, Inc. (NJ)

XXXXsentdetailedinformationtoacompanybythenameFinancialRecoveries.Irecentlyrecievedprinteddetailedinformationfrom : FinancialRecoverieswithinformationintheirattempttocollectadebtin whichmyHealthCareProviderdidpay.Thisinformationgivesexplicit detailsregardingtests, labs, etc
Consumer complaint received 2016-02-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

In XXXX XXXX XXXX my husband passed away then in XXXX XXXX XXXX a car hit me causing injury to me. I had to pay for my medical bills and both insurance company sent money to my attorneys, I let my mortgage company know what was happen and why I got behind in my payments. I also called keep your home and they said I qualified for help up to XXXX the mortgage company would not except the money. I do not under stand why other then it would bring my principle down. I sent a letter to the mortgage company with statement I would receive money to catch up with my payments and for them to let me know if a sale date should happen. The mortgage. did not let me know but posted a sale date for two week of the sale in XX/XX/XXXX .I have a great granddaughter living with me and my health is bad I need help to under stand why this mortgage company did this and why they will not except the money from keep your home.
Consumer complaint received 2020-07-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had submitted a complaint about XXXX XXXX XXXX XXXX about a month ago in regards to them listing a loan that is showing as a charge off on my credit reports. I've had multiple loans with them that have all been paid in full and never late. Approx 6 loans. Those loans were reporting current paid in full. There was 1 that was reporting as bad. ( which is incorrect ) all loans have been paid in full and this is also going back to 2012. Today I was notified they removed 4 closed paid loans off my credit reports which caused my credit score to drop. I did not ask them to remove positive information that keeps my credit score in good standing. I had complained that this old loan which is over 7 years old be removed off my report as the information is outdated aside from that all the loans have been paid in full and satisfied. I don't know why they removed 4 loans off my credit reports.
Consumer complaint received 2017-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service (WA)

after my sudden discharge for the XXXX XX/XX/XXXX Myself and Family did experience a long period of homelessness. In XX/XX/XXXXfiled my income Tax for the year and learned it was Taken by the XXXX XXXX without explanation. I did pursue and completed the forms to get the information this is when I discovered That Army & Air Force Exchange Services ( AAFES ), had claimed all my moneys for Non-Tax Federal Debt. I took the necessary steps with the IRS XXXX to find out why. In approx. 30 day I received a Notice From AAFES Their intent to file for payments under the XXXX XXXX. This was after they had already taken action and had made no attempt to contact me in any form. I did acknowledge that I did owe the amount of XXXX. The Dept of the Treasury did send me notice that Four ( 4 ) Different payments were made to them ( Refer to attached ). So the IRS Did pay to AAFES XXXX  XX/XX/XXXXand XXXXXX/XX/XXXXof which only XXXX was owed. I have called and sent letters of dispute to AFFES and their XXXX XXXX XXXX which is part of AAFES several times and the amount owed keeps getting more and not corrected. I even pointed out the accounting Errors of where the totaled owed had XXXX  accounts already accounted for added back in. I did receive from them an accounting on my account which reflect XXXX  unaccounted for. I did send a letter explaining their mistakes and the form from IRS XXXX Reflecting the amounts. They did a investigation and will not change the fact they did receive the moneys, clearing up my account removing the False information from my credit report and to stop further collection actions. They have received an over payment of {$4100.00} and still want another {$2300.00}. This account paid in full XX/XX/XXXX and all interest charges are false, and do not apply. I would like my over-payment of {$4100.00} returned and credit cleared along with a letter directing IRS XXXX XXXX to cease collections.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is the XXXX! 

Last month when I checked my credit card expenses I looked for the interest rate. I thought it would be on the front page with the other information but it is not. I had to look for it and then I had to wait on hold for over 45 minutes to get someone to tell me where is my my APR on my Bank of America cash rewards card can be found on my online credit card page. It was hidden on the last page. The level of APR was 19.24 % I was rather shocked at that huge whopping number. I have never missed a payment or paid late ever, so how could the APR be so high? It was at 16.99 %. I never charged over {$700.00} on the card. 
When I got paid this month XX/XX/2019 I promptly paid {$160.00} towards my credit card debt, which it is at least 3 x the basic amount. They have not listed it as paid and now it is XX/XX/2019. I used my online banking to pay the bill and normally it would have been submitted the same day within a few hours. I have a feeling that some immature bank employees are messing with my banking to fraudently mess with my credit score. Yes BofA has employees like that. I took pictures of my account and when it was paid with my phone and I printed them out and I have a hard copy of when I paid that account and my XXXX XXXX XXXX gas bill.
Consumer complaint received 2020-05-29
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 
DEPTEDNELNETXXXX {$3500.00}