davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I opened an account with a banking company- they provided me an account number on the day I opened the account XX/XX/XXXX and on XX/XX/XXXX they sent an email stating that they are closing the account. Per 15 U.S.C. 1681 - The banking system is dependent upon fair and accurate credit reporting. This bank did not perform this.
Consumer complaint received 2021-09-06
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!!
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I saw an I authorized charge of {$280.00} in my bank account made payable to Bestbuy. I called the Dispute department and notified them. The lady was being nice and told me if I could get someone from Bestbuy to verify those charges were n't mine, we can start a claim ( she also found another one of {$320.00} back in XX/XX/XXXX ). I called Bestbuy and got someone to look high and low for those charges with my name, address, and phone number. They could n't match them to anything under my name. We called Chase together, but the man who picked up did not want to open a claim because he thinks Bestbuy should investigate the fraud. I argues that since it 's proven by XXXX from Bestbuy that those charges are n't mine, we can start a claim to get my money back. He kept arguing and at one point said " how did anyone have my info to give to Bestbuy? '' I questioned him about identity theft, and honestly, I think I was being accused of cheating them. XXXX even helped out and said we could start a claim, and at one point he agreed but told me I still ca n't possibly get my money back, because they ca n't prove fraud. I was beyond XXXX at this point. With Bestbuy people proved that i did not authorize those charges and this man is still refusing to get my money back. It 's not {$60.00}, it is together {$600.00}. And the one in XX/XX/XXXX ca n't be done nothing about because it 's " more than 60 days. '' I know people who went a year without checking their account. If the same thing happened to any of them, are they saying those people should just forget about their money since the bank ca n't do nothing about it?
Consumer complaint received 2017-09-28
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 the evening of XXXX XXXX, XXXX between the hours of XXXX XXXX pm I accessed a Bank of America branch located at XXXX XXXX and XXXX in XXXX New York XXXX Prior to entering the branch I saw a man trying to access the three machines. I entered the branch and went to access the atm to the far left. He stated " That machine does n't work. '' Although I found his statement strange I used the atm to the far right. I withdrew {$20.00} from my account and proceeded to make a purchase at XXXX 's XXXX on XXXX XXXX. Several hours later at XXXX XXXX I received an email notification from Bank of America stating " your balance is below your chosen alert limit '' XXXX. Account : Personal Checking/Savings account-XXXX Date : XXXX XXXX, XXXX. '' There was a follow-up email at XXXX XXXX that stated " Debit/ATM card transaction occurred above your chosen limit amount Amount : {$400.00} Debit/ATM card : ending in -XXXX Where : at Bank of America-XXXX , NY Transaction type-ATM withdrawal When : on XXXX XXXX, XXXX. '' I immediately contacted BOA at XXXX XXXX to notify them that I did not withdraw {$400.00} from my account and began to file Claim Number XXXX. I informed them of all the above and they informed me they would investigate. I was also informed that during the investigation I did not have to worry and my account would be credited the {$400.00}. This morning I opened a letter stating that they determined that no error occurred in the instance. I followed up with a phone call and spoke with someone who identified herself as XXXX ( an account manager ) who informed me that the video footage shows the same person ( me ) who deducted the {$20.00} also withdrew the {$400.00}. This is inaccurate as I never withdrew {$400.00} from my account. During this process I was never informed that I should file a police report nor did I think I would be accused of withdrawing the money from my account. I do not believe they conducted a thorough investigation. I want to view the video footage and I want the {$400.00} returned to my account.
Consumer complaint received 2017-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX, am writing this letter today in reference to my Experian credit report. After reviewing my credit report, I noticed Experian still Chose to continue to report XXXX XXXX XXXX as a negative remark on my report. I disputed this item on XX/XX/XXXX and today XX/XX/XXXX, I received my results as UPDATED. I contacted XXXX XXXX and was told that that no longer have the acct. XXXX [ customer service rep ] informed me of a different number to contact with no further response. I contact Experian back and spoke with XXXX, he stated that it was sold to another Lender.
Because this account was included in my bankruptcy on XX/XX/XXXX, I would like for this account to be removed from my Experian credit report. It has already been removed from XXXX and XXXX credit files. I need this item removed because it is hindering my process to prove that I am credit worthy. 

PLEASE REMOVE IMMEDIATELY and THANK YOU in ADVANCE XXXX XXXX
Consumer complaint received 2020-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I had a high school checking account under my mom for three years I finally went to change to a college account. Once I got home I was not able to log in account I called the bank they advised me account was restricted call back another day. My high school account was closed and so was my college account for no reason representative told me they have no reason after they did Investigation on my account for a whole week to find out my account will remain closed and I can not bank with chase with no valid reason. I called executive office I was in contact with  XXXX case # XXXX representative name was XXXX
Consumer complaint received 2021-11-30
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. (TX)

RE : XXXX XXXX I have disputed directly with Transunion and XXXX about this account. Again, they continue to report whatever they want to report. Transunion comments show the account as payment after charge off but XXXX comments show and unpaid loss by the credit grantor. How can that be when XXXX is the only furnisher of information. XXXX does not show date for last payment while Transunion does. XXXX continues to report charge offs back to back in the payment history when the account was already charged off. I have disputed inaccuracy also with nothing being done. Transunion shows the account type as utility company but XXXX shows the account as unknown? All these inaccuracies yet they continue to report the account and ignore my dispute! What was the open date and why does it have 2 open dates. When I have disputed especially with XXXX and Transunion my disputes are ignored. I believe they stall with everything in their power to deter consumers like myself from disputing, This account continues to damage my credit. I can not obtain electricity for my future residence with the inaccuracies reporting.
Consumer complaint received 2017-07-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I moved from an apartment complex at which I had lived for about 15 years. I gave the complex more than 30 days notice. They contend that I needed to give them 60 days notice but could not produce an updated signed lease that stated that a 60 day notice was required. The complex says I owe more than 30 days rent, even though I have the required 30 days notice and the apartment was rented soon after I departed. The complex then sent the file to a collections agency called FCO ( www.fco.com ). I have asked FCO to send me validation/verification of the debt. A couple of times they sent me something illegible ; another time they sent me a lease that I had not signed. <P/>The have reported the collection account to my credit report and it is affecting my credit and lowering my score.
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ZIONS BANCORPORATION (NV)

I had money in my account to cover all pending fees, bank assesed their monthly fees to my account and pushed my account into Negative and thens tarted charging me NSF fee and daily over draft fees and started finalizing pending transactions and continue to add new {$35.00} NSF fees for ever pending transaction that was there and prior to them assessing their fees. now they are charging me {$35.00} + {$5.00} daily over draft fee for every pending fee that should have been paid first instead of them taking their monthly fees first and then pushing every thing in the red.
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX & XX/XX/XXXX I received an email from the CEO 's ( XXXX XXXX and XXXX XXXX ) stating that Synchrony wanted to help XXXX XXXX victims. The email said they were not going to charge late fees, give credit limits and other services. I called on the XX/XX/XXXX to find out what services they were providing. The Customer Rep said they were only giving a one month extension. My next payment was due XX/XX/XXXX. I was approve for the extension. Today I receive a credit alert saying my scores dropped because my Sam 's XXXX was decreased by XXXX dollars. My limit was XXXX. I called Synchrony and the Customer Rep said I was decreased for lack of payment. I spoke to three Managers who said it was n't anything they can do but take off the late charges and give me another month extension. They  could not restore my credit amount. My utilization is at 97 %. Other credit cards which I have never had a missed payment or late charges may do the same because they will see me as an high risk.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (MA)

Issued a rebate from mass save through " XXXX  '' for {$40.00}, could not activate it on their website, their phone line actively ignores touch tone inputs. The website has some kind of broken XXXX policy but I'm not going to diagnose it for free. Card was mailed to me around XX/XX/XXXX. It says it'll expire by XX/XX/21 but the website kept rejecting that expiration. I think the electrical companies that back XXXX XXXX got scammed.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

PLEASE DELETE PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR JOB THIS IS THE XXXX TIME TRYING TO FIX THIS ISSUE SEE LETTER ATTACHED
Consumer complaint received 2017-09-08
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: EQUIFAX, INC. (PA)

I am listed as a potential victim according to the equifaxsecurity2017.com website, and would like a resolution. My information was compromised due to poor security on Equifax 's part.
Consumer complaint received 2017-09-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (NJ)

We successfully applied for a mortgage modification in XX/XX/XXXX with XXXX on our MoneySource loan. We paid all three trial period payments and were granted modification. I was subsequently laid off from my job in finance during economic downturn. We were unable to pay mortgage thereafter. I regained employment in XX/XX/XXXX and reapplied for the mortgage modification with MoneySource and we were accepted into the modification trial period in XX/XX/XXXX to begin in XX/XX/XXXX at {$2400.00} per month through XX/XX/XXXX. We made the XX/XX/XXXX and XX/XX/XXXX payments in a timely fashion and then we were told that they would not accept our third payment in the month of XX/XX/XXXX because they had made a mistake in granting us the modification trial period due to the fact that FHA guidelines require a 24 month period between loan modifications and in our case there had only been a 12 month period since our prior modification. Presumably the mortgage company should have been fully aware of this FHA policy prior to granting us the new modification trial period. As a result, we had no choice but to wait an additional 12 months until the 24 month period had lapsed and save mortgage payments to the best of our abilities. 
We applied again in XX/XX/XXXX and were accepted on XX/XX/XXXX to a new modification with three months of trial payments to begin in XX/XX/XXXX at $ XXXX/mnth. We paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX mortgage trial period payments in a timely fashion, however, after making the final payment in our trial period, we were told that due to the recalculation of escrow amounts after the end of the trial period in XX/XX/XXXX, an increase in escrow had made it such that our mortgage payment levels to be paid on a monthly basis were no longer at an acceptable dollar amount and that we must apply for a new modification trial period again from scratch. It turns out that due to the Money Sources incorrect escrow calculations, we had been set up to fail in the trial period even though we met the guidelines that had been set forth for us. Several requests to receive a response in writing outlining the specific reasons for the denial after we had successfully complied with the trial period went unanswered. 
Also, in parallel to the mortgage company seeking a new borrower response package from us ( including paystubs, forms, etc. ) to qualify for a new trial period beyond the 3 month trial period we had just successfully finished in XX/XX/XXXX, we received a letter in XX/XX/XXXX announcing the mortgage companys intent to accelerate and foreclose. Clearly, if we were being asked to apply for a new modification trial period, the mortgage company should not be also pursuing foreclosure at the same time.
Consumer complaint received 2022-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (TN)

I Have sent a letter and called XXXX XXXX to Remove FALSE Inaccurate Credit Information that is being reported on my credit reports from Debt Recovery Solutions : Alleged acct number XXXX To whom it may concern : I have received a notice from Debt Recovery Solutions for debt owed in the amount of {$3100.00}, which I am declaring completely fraudulent. I obtained a copy of my credit report and after reviewing the information, I noted that inaccuracies have been placed again on my credit report regarding XXXX XXXX. I have NEVER had an account or heard of XXXX  XXXX  XXXX. This information has been placed on my credit report now for the second time after initially being corrected. How was this verified and approved?, Where are my signatures, where was the money deposited or a check written to? 
Here are the factual items in which I am disputing : 1. This Debt is NOT and NEVER has been associated with me 2. I am reporting this a FRAUD 3.Re-insertion of fraudulent ; incorrect information, AFTER it was corrected when it was sent to a previous debt collector. 
I formally wrote notice to XXXX to correct my credit report and now I have to send the XXXX and XXXX. Please note that this inaccuracy has been reported twice. 
Following the conclusion of your investigation, please send me the results of the corrections via MAIL. 

Thank you, XXXX XXXX
Consumer complaint received 2017-09-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

We did get SOME assistance back in XXXX as Navient took the payments that they posted incorrectly and redistributed them so that it showed our accounts up to date. They also retracted their submission to the collection agencies for both me and my son so our credit scores were returned to where they should be. 
However, my son should have graduated with XXXX XXXX in XXXX XXXX. Because I am/always was single mom, dad nowhere in sight, I was laid off from middle management and could n't find other work and other problems ( the list goes on ), we have not been able to get more loans and he is STILL in school full-time. But Navient wants $ XXXX per month still and now 2 XXXX XXXX XXXX have kicked in wanting payment. 
I believe I got " loan forgiveness '' for past federal loans but now he has more federal loans as he still files his FAFSA each year. We do not have the money to pay all of this back right now - but do n't want these loans to grow. For instance, he has one XXXX XXXX loan that was for {$9500.00} that is NOT asking for payments yet, but the balance of the loan is over {$11000.00} due to the interest accruing. And we ca n't do anything about it because we do n't have the money. 
This student has worked full-time practically since he was XXXX. He still works the same job, now very full-time. But we both have typical monthly bills to pay. As I was laid off right after he started college and have been unable to recover financially, unable to find a good job over the years from XXXX to XXXX, and then started to have medical issues XXXX after another. I 've been hospitalized 4 times over the past year having NO HEALTH COVERAGE, was turned down for XXXX 3 times until just recently. Of course, I can not find doctors who actually take XXXX insurances so I have to rely on clinics with waitiing times of 3-4 months when making appointments. I had used ALL of my XXXX monies between mortgage and his college and have sold my car and now my home. Just yesterday it cost me over {$50.00} in cab fare to get to/from a medical appointment. 
MY QUESTION IS - IS THERE ANY ASSISTANCE OR GUIDANCE YOU CAN OFFER REGARDING THESE STUDENT LOANS? Either to defer without additional costs or consolidation. I went through pages and pages on XXXX website to consolidate the XXXX loans there and was told that the consolidation was approved. Yet they continue to send XXXX separate bills with XXXX different interest rates of XXXX, XXXX, XXXX and 9.25 %. So after I jumped through all their hoops - they did nothing.
Consumer complaint received 2017-09-28
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: Experian Information Solutions Inc. (VA)

Experian has, for many years, misreported my credit to status to lenders. Either old or resolved debt still shows on my credit report. Just recently now, on XXXX/XXXX/XXXX, I was at XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX to assist my son in purchasing his first vehicle. My name is XXXX XXXX XXXX and my son is XXXX XXXX XXXX. After he ( XXXX XXXX ) submitted his information to have his credit ran, all information regarding my own credit was listed under his name. To add insult to injury, I tried to co-sign for him and my credit score came back as his credit score! The car dealer said there was no mistake in the social security numbers we provided them and that Experian has our names/accounts listed with the same information. I have documentation to support this. 

Out of all 3 major credit bureaus, I have only had issues with Experian and their reporting tactics. It is extremely unfortunate for me as I live on the east coast and almost all lenders/credit cards rely on Experian. This has been happening for years to me and I have tried to resolve this unsuccessfully through law firms and Experian as well. XXXX/XXXX all have my credit in the XXXX range but I have been turned down credit so many times because of Experian 's false reporting. It is unfair that they do this to so many others. Please help them report my credit correctly!
Consumer complaint received 2017-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX my wallet was lost/stolen while in XXXX ( I live in XXXX ). My credit and debit cards were fraudulently used in XXXX XXXX and XXXX. I asked my banks, Chase and XXXX XXXX XXXX, to make ALL my credit and debit card purchases require a PIN. They said they do chip and signature only. Cashiers do n't ever look at the signatures. At XXXX though thieves could n't use my XXXX because it requires a PIN for all transactions. But, then they used a different Visa card and got away with the purchase. 
If a PIN was required, no purchases in a store could have been made and any purchases online could have been stopped before shipping. 
I do n't understand why this is n't standard. I know I 'm not 'officially ' out any money but the banks and the merchants are and those costs are passed on to the consumer. 
I want to be protected against fraud and have no means to protect myself because the banks wo n't honor my request.