davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Through my credit card monitoring, I was alerted that someone tried to open a XXXX XXXX XXXX Credit Card in my name on XX/XX/2020. I called the XXXX XXXX XXXX fraud monitoring department in XXXX when I caught it and verified with them that they marked it as fraud and closed the account before it could ever be opened. I filed online complaints with XXXX  and XXXX  who removed the credit pulls from my history within a few days. Since I prevent an account from being established, TransUnions process annoyingly required that I must call as their online processed only allowed me to file a complaint if an account was established. I called TransUnion who reassured me that since an account wouldnt be established that it should automatically drop off within 90 days of the XX/XX/XXXX date. TransUnion did continue that they could remove it sooner if they got a removal letter from XXXX XXXX XXXX to authorize it. However, talking to XXXX XXXX XXXX, they had never heard of a removal letter and wouldnt authorize one as they fraud department had to complete the investigation. It is past the 90 days and I still have the fraudulent credit pull on my TransUnion credit report. Please help as I feel useless against these big corporations and their processes!!!
Consumer complaint received 2017-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (NJ)

I 've back and forth with these credit reporting bureaus, and they are just abusing and violating the FTC Act. They are not verifying and account that a submitted to them. For the pass 5years I have not been able to achieve or get any promotion due to the false report of my credit files.
Consumer complaint received 2021-09-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX I will deposit {$640.00} per car teller at Bank of America XXXX XXXX XXXX Fl. And the teller snapped and reflected {$300.00} nothing more. I notice the teller machine that will notify me of bank fraud, park me, call, they were left to resolve. As of today, XX/XX/2021, I have not received any response, they say be patient, they left my money frozen, the one that had deposited {$300.00} and those that I deposited that day. On XX/XX/2021, my taxes entered even with a closed account, they received them, they kept the money and they do not want to return it to me by check or other form. XXXX XXXX filled in my taxes, I sent the money to them at Bank of America, now they help me, they complained they don't give him information and they told him they had no information. What to do? I have a balance in that bank of almost {$1500.00}, it is my savings, I ran out of money, they have not been kind, they do not mind solving this.
Consumer complaint received 2020-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2019-08-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: DISCOVER BANK (NV)

REFERRING BACK TO CASE NUMBER # XXXX They charged me {$1400.00} in sole interest for the months of XX/XX/XXXX thru XX/XX/XXXX. 

They applied all the payments i made from XXXX XXXX towards 100 % interest. 

They claim I have accrued interest from XX/XX/XXXX thru XX/XX/XXXX but fail to send me the proper documentation proving that. 

I called on XX/XX/XXXX XXXX and asked one of the senior advisors to send me supporting documentation or at least a contract. They said they would send me my contract and never did. I also recorded another representative claiming there was something wrong with my account and said that i should not have been paying that much interest. 

They also fail to provide receipt or a breakdown of interest for the months they claiming i owe {$1400.00} of interest. 

When I called complaining about this situation they said that the next month my principal balance would go down. This seems as if they screwed up and now their trying to fix it but since payments have already been processed they are trying to cover it up with supposedly accumulated interest. Their system says accumulated interest but they can't breakdown the interest in paper from the months of XXXX XXXX from which months they claim. 

They fail to provide the necessary documentation to prove I was accumulating interest from the months of XXXX-XXXX of XXXX. 

It is mathematically incorrect. If we calculate the interest from XXXX thru XXXX I would be paying approx {$220.00} in interest every month. Thats about {$660.00} in interest. That number still does not equate to {$1400.00}. Also my late fees were reimbursed from restructuring my account. Even if we charged interest on top of interest which im not sure if that is even legal, it still does not equate to {$1400.00}. 

In the letter it stated from AS OF XX/XX/XXXX MY INTEREST RATE WILL BE 5 %. 

Again, I am asking for a breakdown which your call center could not provide. 
I am asking for a breakdown of interest with numbers and supporting documents stating i am paying {$1400.00} in interest. I'm 100 % certain discover is committing white collar theft because of a screw up and will be pursuing legal action if nothing is satisfied.
Consumer complaint received 2017-12-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (GA)

On the first week of XXXX XXXX, I noticed an account in collections from AARGON AGENCY INC ( XXXX ) who was attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX XXXX in the amount of {$800.00}. 

This information was disputed multiple times with XXXX and the creditor. The account is in the name of my father, who has almost the exact same name as I. He owned a house in New Jersey, where XXXX & XXXX provided utility service. Which has since fell into foreclosure and collections. 

I have never open, held, or had any type of house or utility service in the state of New Jersey. I never had an account with XXXX XXXX XXXX. This debt belongs to my father. 

I have tried to resolve this collection multiple times now without any luck from any institution.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

On XXXX I sent documentation for unknown and inaccurate accounts on my credit, over 30 Days today but I've never received any response. I was a victim of an XXXX Data Breach. I demand to delete those accounts or I will file litigation.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I have been working with Chase for two months already with a wire fraud on my account. I called Chase on XX/XX/XXXX to make a claim about {$9000.00} taken from my account. Since then I have been fighting with the bank to get my funds back because I never authorized the transaction. They have asked for my phone records and I was compliant in sending them that. I also sent them a police record, an FTC report and the affidavit Chase had me sign for unauthorized wires. None of those were enough for them to prove that I did not authorize the transaction. I dont know what else to do to prove that it wasnt me who they spoke too. I continue to call asking them what phone number was it they called and they refuse to give me an answer. All they are able to say is that I answered the security questions and that was enough for them to release the money. However, in my telephone records I never received a call nor did I make a call to the bank on any of the days they claim to have spoken to me. I am desperate for answers and want Chase to own up to their mistake in releasing funds without enough information from me.
Consumer complaint received 2019-08-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Debt Recovery Solutions, LLC (KY)

They have contacted me several times over the same debt that they have sold to various companies. I asked them to stop calling me on my cell phone and they have called my work also even after i told them to stop. This company has reported the same debt on my credit report 2 times for the same bill and will not remove them. 
Company : Debt Recovery Solutions Amount : XXXX Original Creditor : XXXX XXXX XXXX XXXX. 
I tried to make payment arrangements with the original creditor and they refused payments.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (PA)

Check # s XXXX and XXXX were written out to two different commercial entities. PNC paid out on these checks even though they were deposited in the wrong accounts by someone who stole them. They have given me the run around about their mistake for 2 months. They instructed me to go their local branch and fill out a notarized statement which I did. They mailed me a response that said I filed the wrong paperwork and that I need to get the proper recipients of the checks to sign a notarized statement that they had never received the checks and I have 20 days to this. After 2 months of their incompetence I have wasted enough time. 

They made the mistake not calling me when they received the checks to ask whether they were cashed via photostatic copies incorrectly. They have wasted my time and I am not happy with the service. I had checks stolen from my mailbox from another bank and they immediately refunded any incorrectly cashed checks!
Consumer complaint received 2020-11-22
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: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Consumer complaint received 2020-12-08
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)

On XXXX I sent documentation for unknown and inaccurate accounts on my credit, over 30 Days today but I've never received any response. I was a victim of an XXXX Data Breach. I demand to delete those accounts or I will file litigation.
Consumer complaint received 2024-06-03
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (PA)

I was looking at my credit report recently and noticed Gap reporting a late payment to my credit report. This information has been damaging to my file. According to 15 USC 1666b late payments are not to be reported. I'm hoping my attached letter to Barclays/Gap initiates an immediate response and resolve
Consumer complaint received 2021-02-03
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: EQUIFAX, INC. (VA)

XX/XX/XXXX I attempted to get a loan and was not able to because I was not showing a FICO score, even though I have a credit card with XXXX XXXXXXXX and student loans with XXXX XXXX. I called all three credit bureaus, XXXX XXXX and XXXX to get the issue fixed. My creditors confirmed that they reported to all three credit bureaus monthly. However, that was some issue from the time that information left the creditors and was received by the credit bureaus as I saw that all three bureaus did not reflect that I have a credit card, student loans or both. Just three weeks ago, I was finally able to get this issue fixed by contacting XXXX XXXX and informing them of this issue once more. I now see that my credit card and student loans are reporting to all three credit bureaus. The mortgage loan officer was able to pull my credit again on XX/XX/XXXX and was finally able to receive a score from XXXXXXXX and XXXX. However, he is still unable to pull a score from Equifax. The corporate processor, loan officer and myself have all called Equifax to get this issue resolved. I just spent the past hour on the phone with a representative who was unable to assist and gave me a number ( XXXX ) to call and see if they could assist. The representative offered to give me my credit report. I told him that I could see my credit report on the Equifax website and do not need that information. I explained that I needed to figure out why Equifax was not reporting my recent information to XXXX XXXX. The representative said that he would not be able to assist me. I asked for a different department that handles credit reporting specifically. He sat silently on the phone for 10 minutes and then hung up. Attached is a copy of the report from XXXX XXXX that was pulled on XX/XX/XXXX. You will be able to see that my information is reflected with XXXX and XXXX but not with Equifax. Equifax has been the least helpful of the 3 for the past year and it has become beyond frustrating.
Consumer complaint received 2020-12-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I was a student at the Univesity of XXXX during the timeline listed in the following complaint. FTC XXXX NUMBER : XXXX XXXX CIVIL ACTION NUMBER : XXXX XXXX  COURT : District of Arizona RELATED CASE : University of XXXX , XXXX & XXXX XXXX XXXX , XXXX XXXX 

https : XXXX Why are they still able to offer Scholarships to new students when this matter has not been settled with former students. With the current conditions with people struggling to make their student loan payments, the university should be required to make restitution to former students and make new students aware of their misleading marketing/information provided. 

XXXX There are multiple lenders that were needed to make payments to the school and a lot of the expense was paid out of pocket. ** * Please let me know what options are available to protect students and have this matter resolved. 

Thank you,
Consumer complaint received 2021-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: MoneyLion Inc. (NY)

I received a debit card from Money Lion, XXXX XXXX today XX/XX/2021 I called to cancel the account and ask them who opened it, they would not give me any details. They said they would have their fraud department call me I asked them to use the mail not by phone. I refused to give any additional personal information.
Consumer complaint received 2022-04-02
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: PENTAGON FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX, I applied online for a new credit card with Penfed Credit Union. I was not approved at the time, but was sent an email stating they needed to verify my identity to process the application. I was told to upload my driver 's license and social security card thru the Penfed upload tool on the company 's website. I tried doing this without success, as I kept receiving an error message. I contacted Penfed and the agent attempted to resolve the issue, but was unable to. I was then told to fax Penfed the documentation and I did that the same day. I then contacted Penfed inquiring as to whether or not they received the documents and they stated they did, but can not accept them because they require XXXX, not XXXX and white. I then stated that is impossible to do via fax and asked if I could email them to the company and was told I can not. I was then told to come into a branch to provide the documentation in person. I told the agent I could not do that because the closest branch is approximately XXXX hours away from me in XXXX California. I was then told they would cancel the application and there would be no hard inquiry on my credit report because they could not verify my identity, thus not being able to process the application. 

On XX/XX/XXXX, I noticed the hard inquiry on my XXXX credit report and contacted Penfed. The agent apologized and stated he would open a case to have it removed. 

On XX/XX/XXXX, I again noticed the hard inquiry on my XXXX credit report and again, contacted Penfed. The agent apologized and stated he would open a case to have it removed. 

On XX/XX/XXXX, I received an alert from XXXX regarding the dispute and the hard inquiry was still showing. I again contacted Penfed and was told by the agent that they report factual information without explanation. I then asked to speak with a XXXX and was told I was put on a list for a XXXX to contact me.
Consumer complaint received 2022-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

GMC financial failed to send me in writing why I still have a balance on a closed lease contract. The lease was paid in full for the 3 year term and turned by in on time! I have talked to several reps to no avail. They put incorrect information on my credit report which caused my score to drop. I never received any letters saying what the charges were for? Also 3 years later it slapped on my credit report because the debt was sold. This is so wrong and unfair.
Consumer complaint received 2022-04-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: JPMORGAN CHASE & CO. (AZ)

Had my inspection and turned in my car at the dealership as instructed on XX/XX/XXXX and received the signed document from them acknowledging receipt. Log into my Chase account on XX/XX/XXXX and see they reported me for a late payment. Spoke with XXXX from Chase on XX/XX/XXXX and she said " sometimes it works and sometimes it doesn't '' in relation to their internal process. She said she fixed the issue. 

I paid the XX/XX/XXXX bill to prevent Chase from further trashing my credit score over their very broken internal systems. 

Log into my account today to see that the XXXX bill is due XX/XX/XXXX. Nothing has been fixed, they have the car and I'm again locked into this broken process I can't do anything about.