davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-20
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (NY)

Bank account opened in my name fraudulently. Notified Citibank and credit reporting agencies. Requested information to verify accuracy of information sent to XXXX and received no response from Citibank but received incomprehensible, and inaccurate information from XXXX that does not validate the claims citibank has reported. This has caused problems with me opening a bank account.
Consumer complaint received 2020-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blitt and Gaines, P.C. (IA)

Blitt and graines file a judge against me in XXXX XXXX Iowa. There was no notice about the debt being moved to company. I did not get a letter stating that they took it over. I did not get a letter stated that I had the 30 days to dispute it. They went straight to a judgement. I settle the debt and paid in full if given the proper notice it would have not gone to the courts to start with. 
Attached is the court order and receipts that shows that the law firm is the one that was handling the debt. This is the only letter that was ever received from them. Was not given the chance to have a 30 day dispute that shouldve happened. 
No papers received to dispute the debt from the lawyer before papers were sent to court Court drawer paper work XX/XX/2020 Amount XXXX Settled paid in full- XX/XX/XXXX. 

Again if the proper steps were taken by the company there would have never a judgement and the debt would have still been taken care of.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (GA)

Chase Bank billed me for a credit card and then they decided to not inform me of the payment being due or late. I previously would just pay every month but did not check the account over the holidays. The payment was made in full, the account was updated and then the account was once again showing this as a missed payment. This was in error and needs to be fixed, the company would not allow me to state my case to the credit department despite being on current and historical good standing.
Consumer complaint received 2016-03-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CT)

Hi, A little over a month ago my father passed away unexpectedly. He was the co-signer of a couple of my student loans that I have with Navient. I havent missed a payment on any of my loans in 3-4 years at this point. I got a call yesterday from Navient alerting me that one of my loans that was co-signed by my father was referred to XXXX XXXX and that they were responsible for collecting the $ XXXX balance that was left. I talked to the woman that called from Navient and got the account information from her, logged onto my account and compared the information to what she was telling me. Come to find out that this loan she spoke of, was co-signed by my father and mother. This was after the lady on the phone was trying to tell me that I needed to apply with my mother as a co-signer or this loan could default if I didnt take action. My mother was already on there as a co-signer!!! They referred this loan to a debt collector when nothing was wrong!! My father passed away, but my mother is still around, and she is on the loan already. This has caused so much XXXX to my mother and I during this already tough situation. She has been dealing with an estate lawyer, and having to go to probate court, and now this unnecessary burden on top of things? This is completely uncalled for, and something that should not have happened. I am at risk of hurting my credit score for something completely out of my control. Something needs to be done about their terrible and unethical handling of this situation. This is out of control!!!
Consumer complaint received 2016-01-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2015, I viewed my checking account activity at XXXX, and a check I had written for {$80.00} had not been presented. I had a direct deposit scheduled for XXXX, XX/XX/2015. I checked my account summary again the next day, and noticed a {$35.00} fee assessed to my account for overdraft. My concerns are : 1. Exorbitant bank fees for the smallest infractions. 
2. There was money in my savings account to cover the {$8.00} that generated the fee. 
3. I was told by bank officials that they have previously returned fees to me and will not do it again. They fail to understand that I am the one that works overnight for the money, and it does not belong to them. I am supporting XXXX XXXX grandchildren and the money that they so casually deduct is needed for gas, kids lunch, etc.
Consumer complaint received 2016-05-05
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Debt Management Incorporated (MA)

Between XXXX XXXX and XXXX XXXX, I received several phone calls from a CRA agent named XXXX, who consistently left messages in a threatening tone ( " You must respond by XXXX time or further legal action/litigation will be taken '' ). This was in reference to a {$180.00} medical debt. When I finally spoke with the agent by telephone after XXXX last threatening voice message, he made abusive comments and refused to respond to my written debt validation request. He referred to it as a " meaningless stalling tactic '', accused me of lying and skirting my responsibility for the debt. When I mentioned getting my attorney involved, the collection agent snapped that he had marked the account as a " refusal to pay '' and hung up the phone on me.
Consumer complaint received 2016-02-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My debit card was stolen and I did n't notice at first ( it was switched out with a fake one ). Whoever then stole it depleted my account from an ATM XXXX miles outside of the city I live in ( I do n't have a car, and even XXXX receipts can verify I was nowhere near this ATM. 

Bank of America initially issued me a temporary credit for the stolen amount but then found the claim was denied, taking the amount back causing me to go negative and now are piling on over draft fees. 

I filed a police report the day this happened, appealed my claim and gave them the police report number so they could pull video footage from the ATM ( which would obviously prove it was n't me ). However they denied that appeal as well and I am stuck with nothing to do and my account being negative. 

I thought about taking legal action but the cost of a lawyer might even be greater than the amount taken. Someone stole my money, Bank of America does n't believe me, and I want to prove that it was n't me.
Consumer complaint received 2015-07-15
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: ENOVA INTERNATIONAL, INC. (TN)

I applied for a loan with company and was approved with a initial credit limit of {$650.00} that I could take out cash advances out against so I requested a {$400.00} dollar advance and was approved and I received emails showing all this from company but when it came time to fund account instead of money all of sudden they decide I do n't qualify even though they had my social security number and done check from beginning and still approved it first time should have not been rejected this is fraud doing it based on age .Also I offer to send in all papers showing income and my identity for proof based on letter but they said no which I had no problem faxing the papers to them.
Consumer complaint received 2023-03-19
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: Experian Information Solutions Inc. (AK)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally Protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My score was lowered XXXX XXXX. I called to determine why with my credit card company. The agent said I had to speak with a different department. After I was transferred, I realized I was speaking with a Transunion agent. I asked for an explanation in the lowering of my credit score. The explanation was that I had a big balance and one inquiry on my report. However, prior to being transferred, my credit card company confirmed my payments have been made on time in previous months. Therefore, the statement on the big balance was incorrect. So, I asked the TransUnion agent for a better explanation. The agent was unable to provide me with an answer and the agent refused to allow me to speak to a supervisor. At this point in the call, I requested at least 5 more times to speak with a supervisor and my request was denied. The Transunion agent gave a closing statement and terminated the call.
Consumer complaint received 2022-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

XXXX XXXX XXXX has me in collections and I HAVE NEVER HAD ANY DEALINGS OR ACCOUNTS WITH THIS COMPANY ... ... .They have me confused with another person who lives at same address and does have an account with this Company.

Never have I signed, ordered or requested services from this Company. I have disputed this claim with credit bureaus, recently XXXX has removed it from my credit report, waiting on the others. Please assist me to get their claim off my credit reports. Thank you
Consumer complaint received 2017-02-27
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

Commonwealth finance is trying to collect and report on the same debt twice. This is very old debt and has been reported for a long time. Now its showing twice!! This is against the Florida statutes from what i understand as well as re-aging an account with no cause is also illegal.
Consumer complaint received 2015-10-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I was young and thought I had gotten a check for early payment on services and was getting this nice cozy job but got scammed. It has caused nothing but chaos on my life trying to open a bank account and being denied everywhere due to Bank of America.
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ran my credit 7 times in one day and they were only authorized to do it once. They ran it through XXXX twice, XXXX and XXXX bank twice. All on XXXX XXXX 2015. These XXXX hard inquires have majorly effected my credit score.
Consumer complaint received 2015-10-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

The sole income I have at this time is through wage income. I have direct deposit of my, and my wife 's paychecks. On XXXX XXXX, 2015 Bank of America withdrew {$6000.00} from my checking account, leaving a balance of {$1100.00}. The funds on deposit with Bank of America were my salary payments from XXXX and XXXX XXXX {$3600.00} and {$3600.00} XXXX, and my wifes wages from XXXX and XXXX ( {$1200.00} and {$1600.00} XXXX reduced by payments and debits to the account. I was informed that under the Exempt Income Protection Act, 90 % of the income earned in the last 60 days was exempt from levy, garnishing, or offset. I informed Bank of America of this and was told " We know nothing about this and have the authority to offset any amount from my checking as part of the deposit relationship agreement. '' As a result of BofA siezing my deposit balance, I my result in defaulting on my mortgage modification, which is in a trial period, an IRS payment plan, my credit card payment, and have no funds for food or utility expenses. At the current time my bank account is - {$3900.00}. I would like assistance in getting Bank of America to return the exempt funds to my account and off-set ONLY the amount allowable by law, which, at the time of the off-set, amounts to 10 % of the available balance or {$710.00}. I read the EIPA act through accessing the NYS Departement XXXX XXXX XXXX.
Consumer complaint received 2022-09-03
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: FAIR COLLECTIONS & OUTSOURCING, INC. (OK)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Consumer complaint received 2017-10-13
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (WV)

I have been late on making my loan ( truck ) payments. I pay the loan bi-monthly. I have been paying 1/2 of the monthly payment for several months. I am aware that I was late but I was told by a representative of USAA that as long as I made a partial payment I would not be reported to the credit agencies. However, I was reported as of XX/XX/XXXX. I contacted USAA to review and confirm what I was told. They would not agree that I was told by their agent that as long as I made partial payment I would not be reported because they can only go back any review calls for 30 days. I know it has been longer than 30 days. This is completely unfair. It is my word against theirs and of course, they are not going to admit what I was told by their agent. 

I completely accepted responsibility for being late but since I was told that as long as I made a partial payment I would not be reported to the credit bureaus but I can not prove what I was told and they refuse to remove from my credit file. In 29 years of being a member of USAA, we have never been 30 days late on any account ( we have several XXXX. Please review and see if this can be removed from our credit file. 

XXXX and XXXX XXXX
Consumer complaint received 2023-03-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: MARINER FINANCE, LLC (OH)

Mariner Finance did not verify the information, and I was a victim of identity theft. I have on multiple occasions tried to contact Mariner Finance Department to send me information about my alleged loan, but they have just returned a letter stating that it is my loan and I have to pay it. Not once have they verified or provided any applications or copies of a tile of the vehicle? I need them to send me an application with my signature and who got the check, and how that check was cashed. Otherwise, remove this loan from my name and my credit report.
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been trying resolve an issue with B of A since XXXX XXXX, 2015. My frustration with B of A is that I am never able to speak with the same person twice. I am transferred from XXXX department to another. This is a case of fraud but the local Police Department is understaffed and therefore very slow to act. On XXXX XXXX, 2015 I sent a letter to B of A, Executive Relations, in Delaware. To date I have not heard from them. I am XXXX and my husband is XXXX. We live on our XXXX and XXXX Pension. B of A is trying to hole us responsible for {$16000.00} in Credit Card charges we did not make. I have copies of all of the letter to B o A. Anything you could do to help me would be greatly appreciated.
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I first sent out my disputes to the XXXX CRAs on XXXX via fax and certified mail the same day. I only sent XXXX letter to TransUnion without " additional information ''. This is the way that everyone sends in their disputes. I received a letter today stating that my original letter was received on XXXX/XXXX/XXXX and " additional information '' was received on XXXX/XXXX/XXXX, therefore they have an additional 15 days and that it will be completed on XXXX/XXXX/XXXX instead of the 30 days mandated by law under FCRA XXXX XXXX. This is unlawful ; I never sent anything other than my XXXX letter with identification. They are not allowed to do this. I know many people who have done the same thing and they did not receive letters as such and I have also consulted an attorney and they said this is against the law. They MUST process within 30 days.
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is reporting on report XXXX account is reporting wrong date of first delinquency. XXXX account was sold/transferred XXXX times. Date of first delinquency for XXXX account, original date is XX/XX/XXXX not XX/XX/XXXX. I have disputed several times and sent documents for support.
Consumer complaint received 2016-04-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

I had paid off my auto loan ( for a XXXX Chrysler 200 limited ) over a year ago and I am asking that Ally remove my loan from my reports. Account # is XXXX. I had previously disputed the months they had reported me late and go no response so I am asking that we just remove the accounts from my reports.
Consumer complaint received 2015-11-29
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (DC)

I signed up to check my FICO score at Experian.com. This was supposed to cost {$5.00}. I was then apparently enrolled in a monthly recurring program, and charged a fee of {$19.00} per month. Experian refused to refund XXXX of the XXXX charges.
Consumer complaint received 2020-10-17
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. (MN)

The following credit inquiries listed on my Experian and XXXX credit report are fraudulent, unauthorized, not mine and do not belong to me : XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX   XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX   XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (ND)

Chex Systems is reporting on my consumer report a fraudulent and unauthorized checking account from XXXX that do n't belong to me. I am victim of identity theft and someone stole and used my personal information to open up a fraudulent and unauthorized account checking account with XXXX. Attached to this complaints is a police report and letter I sent to Chex Systems.
Consumer complaint received 2016-03-02
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IL)

I have been unemployed from my job since XXXX XXXX, 2015 and I sent in Documentation to Navient indicating that I was let go from my job because they laid us off. NAVIENT gave me a two month deferment. SO recently I sent them a fax for an unployment request and they denied me. So unfair.
Consumer complaint received 2016-12-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

Your company is reporting this account as opened in XX/XX/XXXX. This account was closed back in XX/XX/XXXX. You keep selling to other companies and restarting the open date to stay on my credit report. Please send verification showing that your dates are correct. 
.