davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-01
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)

To W hom It May Co ncern : I have a credit card with Bank of America. On  XXXX .2017, I paid my " new balance total '' from the prior month of {$830.00}. I was quoted this balance total in my account summary, dated  XXXX 2017. On   XXXX  2017, I received my monthly account summary for  XXXX  and the  XXXX  statement lists an interest charge of {$9.00}.     I am writing to contest this charge because based on my understanding, cardholders are not charged interests when the balance total is paid. Pertinent information and assistance is greatly appreciated.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OK)

I requested a 7 year fraud alert and 7 year security freeze from Equifax verbally and by certified ma il on  XX/XX/2016     due to identity theft. I was told what was needed, what to request, in the letter by an Equifax operator I was told a copy of the police report, copy of my drivers license, and a copy of a utility bill. After receiving conformation of the letter delivery, I called Equifax to confirm these requests were put in place.     This weekend, my credit report was fraudulently obtained by a car dealership. They accessed my report while I was test driving a vehicle prior to any offer/discussion of purchase. When I returned from  the test drive,  I told them not to try to access my credit report because it was locked. They said no it isnt and said they had already accessed it. I asked them why they accessed it as I would not be using credit and their business manager told me it was to make sure they could accept a check from me and show I wasnt a  XXXX .     I called all  XXXX  credit agencies today to confirm that the fraud alert and security freeze were in place.     When I called Equifax today, I was told there was no security freeze in place and copies of my credit report could still be obtained by anyone requesting it.  XXXX , who said she was top management, confirmed that my certified letter requesting fraud alert and security freeze with the documentation of police report, copy of my drivers license, and a copy of a utility bill were in my Equifax file. I asked her why the security freeze was not active. She said probably because I requested a 7 year security freeze and they dont have that. She said that she could not add a security freeze now because the police report, drivers license, and utility bill were all from    2016  and were too old to add the security freeze. She said I would have to resubmit updated identifying documents AND a social security card she specifically said, only a social security card will do in order to add the security freeze. She said she would not add the security freeze until I submitted this information.
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

I had a loan from XXXX Savings from XX/XX/XXXX until XX/XX/XXXX and when I paid it off it was removed from my credit report. I had a long credit history and now it only shows credit for 3 years instead of 13 year. I have contacted XXXX Savings and they have given me a letter that shows it should be on my credit report.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Credit inquiries from unauthorized sources when I just checked my credit report XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXXXXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2016-09-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I am indisputably owed {$2500.00} from Chase. I was a victim of identity fraud through my Chase checking account when, on XXXX XXXX, 2016, a Chase banker issued a new chip debit card to someone impersonating me in West Virginia while I was traveling in XXXX and that person used that new card to withdraw {$2500.00} from my account. Because of this, Chase closed my checking account but withheld the {$2500.00} from me because it was still " under investigation. '' Chase completed the investigation and acknowledged on or about XXXX XXXX that the {$2500.00} was fraudulently withdrawn and that the remaining funds Chase kept while conducting the investigation ( {$2500.00} ) should be returned to me. I have made multiple calls to Chase and each representative told me to wait for the claim to be finalized before I would receive my {$2500.00} back and that they had until XXXX XXXX, 2016 to do so. I do now know why it took them another six weeks to finalize a claim that had been resolved XX/XX/XXXX. The claim was in fact finalized on XXXX XXXX and I was told a {$2500.00} check would be released to me and that I had to wait for 7-10 business days for this to arrive in the mail. I did NOT receive this check by XXXX XXXX and called again on XXXX XXXX and was told the funds were still " in suspension '' and had not been released yet but was promised that they would be released in 1-2 days and then a check overnighted to me and that I would receive a check by Monday XXXX XXXX. I did NOT receive a check by XXXX XXXX, so I called again and being told again that I must wait another 10 business days to receive this check. I have called to manage this at least 15 times over the past 3 months since this identity theft occurred. I have been told repeatedly that I needed to wait to receive a check and the new deadline passes and then I 'm told to wait again. I speak with a different person each time, including multiple supervisors, who all promise to call me back but I have never received even one phone call back. No one will give me a way to reach them so I start over each time with a new person each time I call. Each time I call I am then told something different by someone else, regardless of what " the notes '' say from my prior call, and each time I am told to wait again. It is now 20 days past the finalization of this claim and there is still no one who will assure me that this {$2500.00} is being sent to me.
Consumer complaint received 2016-06-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

Multiple disputes regarding duplicate accounts being reported. Supporting documentation has been provided numerous times. 
Navient reporting duplicate loans to my credit reports. Reporting under XXXX as well as XXXX. XXXX is no longer the name used for servicing loans as all loans are now listed under XXXX. 
Experian refuses to remove the duplicate items from my credit report.
Consumer complaint received 2020-05-27
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: WELLS FARGO & COMPANY (CA)

I AM VICITM OF AN IDENTITY THEFT, AND EVERY TIME I CONTACT WELLS FARGO AND I TELL THEM I AM VICITM THEY ASK ME TO SEND TO THEM MY IDENTITY THEFT STATEMENT ALONG WITH A STATEMENT FROM ME EXPLAINING MY SITUATION, SAME THING WITH XXXX, THEY ASK ME TO SEND THEM MY IDENTITY THEFT REPORT, ALONG WITH MY SOCIAL SECURITY CARD AND DRIVER LICENSE, THEY PROBABLY HAVE OVER 20 COPIES OF ALL THEIR REQUIRED INFORMATION, AND THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT, THIS ACCOUNT WAS OPENED WITH OUT MY CONSENT.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have sent several letters to Experian disputing items on my credit file that do not belong to me. The Inquiries was one of them. I was a victim of identity theft and somehow my personal information was stolen. Please help me to get these unauthorized inquiries remove from my credit file. Please remove unauthorized Inquiries from XXXX XXXX to XXXX XXXX.
Consumer complaint received 2017-01-04
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Global Credit & Collection Corporation (OK)

I called global to report this account as Id theft and they say they have to xfer me to a supervisor in order to validate my complaint and when the xfer me I only get they sup voice mail box. I do n't have time for that. The need to process my complaint now
Consumer complaint received 2016-11-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation (GA)

Credit Card Merchant FIRST DATA, has engaged in a long-term pattern of charging me excessive and unauthorized fees that I have not agreed to, and for NOT completing a survey that I did complete. There charges have increased without botice and agreement and when we have complained, their promised adjustments and reimbursements have not been completed. Today when we complained and demanded reimbursement or cancellation of my account, they said there would be NO REIMBURSEMENT if we cancelled the account ( acct. rep " XXXX '' ). I have incurred NSF BANK FEES on account of their illigetimate debits.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

In XX/XX/2022, Capital One opened a XXXX XXXX XXXX Account in my name without my permission. I never used the account. In XX/XX/2022 Capital One closed the account just as mysteriously as they had opened the account two months prior. Again, I had no transactions in this account.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

IVE ATTACHED THE COPY OF THE DIRECT ONLINE UPLOADED DISPUTE THAT     XXXX   'S   SYSTEM WOULD N'T ACCEPT TODAY.THEY HAVE A COMPUTER PROBLEM THAT WO N'T ALLOW ME TO SEND INFORMATION TO SUPPLEMENT MY ONGOING DISPUTE SO I 'M SENDING IT HERE BECAUSE THE CFPB 'S COMPUTERS ARE N'T USUALLY BROKEN AND   XXXX   'S USUALLY ARE BROKEN
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (NY)

The collection agency, EOS CCA, states that I owe vehicle taxes for several years from the City of XXXX CT. I called the city to verify the debt. There are XXXX issues : the first is that the collection agency 's principal amounts ( pre interest and fees ) for each of the XXXX tax years is greater than what XXXX Office states. And the second issue is that the interest and fees are XXXX % XXXX % XXXX % of the inflated principal amounts. For example, principal XXXX plus interest XXXX plus XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a dispute on XXXX XXXX, 2015. I requested validation after not receiving a dunning notice, bill, etc from the collection agency. The name on this account is not my last name. I have never had an account with XXXX. This account was previously being reported by a different collection agency and was deleted because they could not validate the debt. How is this company able to validate? The validation I received is just a print out from the debt buyer. I called XXXX and they have no accounts with my name. This is obviously a mix up and it is destroying my credit rating.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Summary of Accounts being challenged in list form XXXXXXXX XXXX XXXX XXXX Account Number:XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX - Account Number:XXXX Please Update all payments, all pay was made on time.
Consumer complaint received 2023-04-16
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: Experian Information Solutions Inc. (PA)

I reached out and placed a complaint with the cfpb about two or three weeks ago. About the fact that the credit reporting agencies failed to respond to numerous letter that had been sent. Ine sent on the XXXX and another on the XXXX XXXX  XXXX. Many letters were sent before that but these are the two I would like to focus on because these are the two I made complaints. About. The agencies are required to respond within 30 days and they did not in fact I made that co plaint to the cfpb and during the investigation time that's when they decided to send letters but their 30 day period to respond had already finished I would like the cfpb to require these agencies to remove my information since they have not been able to verify the necessary accounts listed under my name.
Consumer complaint received 2017-10-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

unlawful Foreclosure to my home on XXXX/XXXX/XXXX. We were in the process of the modification. Was never given a proper notice of the of the intent to foreclosure. mislead to believe we were working on a modification. My loan with the bank is considered to be a predatory loan, was never given a fair opportunity to work out a repayment program of the modification. 
The bank had postponed the sale date several times and did not gave me enough time and official notice of their intent to foreclose on my home. 
i appealed the offered approved MOD, XXXX XXXX XXXX, the payment offered was too high, and was never given a response to my request and was pushed to repeat the whole Mod process for a 3rd time to then be put in foreclosure. 
I had already gone through the 3 month trial payment with previous servicer XXXX. 
Please help me with this matter. I have hired attorney spent thousands to not get any good results. 
i know the bank and their servicers are acting unlawful. unfair, misleading ... 
thank you XXXX XXXX
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have submitted countless disputes via online and certified mail only to be told that they will not investigate any further disputes. As per the Fair Credit Reporting Act ( FCRA ) per section 607 Compliance procedures [ 15 U.S.C. 1681e ; which states : ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
After reviewing the FCRA it appears this has been violated. I have sent this information twice trying to have it removed only to be told that instead of attaching as pdf file which the online dispute site suggest, now I am being told it should be in the form of a JPEG file ( picture ). I am requesting that XXXX XXXX account number XXXX be deleted per the FCRA. I have submitted the documents provided to me by XXXX XXXX and XXXX XXXX has requested this account be listed as paid in full, however Transunion will not use the documents provided and refuses to honor the request of XXXX XXXX. Rather they requested me to have XXXX XXXX call them and confirm. See Attached documents
Consumer complaint received 2015-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ATG Credit, LLC (AZ)

I continue to get automated calls about at my place of employment which is an automatic dialer from a company called ATG out of XXXX Il to my work land line giving information on my behalf with my name.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$680.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$460.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.
Consumer complaint received 2017-03-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

The lender advised on XX/XX/2017 By XXXX XXXX XXXX - opt XXXX - the clients file was approved for a loan modification : approval terms of In-house mod are as follows : Total loan amount is {$780000.00} -interest barring balance is {$540000.00} -deferred balance ( balloon note ) {$240000.00} -I/R is now 4.85 % and was 6.125 % XXXX month term - 40 years P & I pmt amount is {$2500.00} 1st pmt due XX/XX/2017 - this loan is on a service transfer list and will be transferred XX/XX/2017 - approval of terms are needed by the lender prior to the service transfer to ensure the new servicer honors the terms set forth. 

Since XX/XX/2017 I have been unable to get a response from the rep about the approved mod terms being mailed to the client. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX we have left voice mails for XXXX and also reached out to the opposing counsel regarding the approved terms, opposing counsel also reached out to XXXX and was advised that the approved docs would be sent to the client and to opposing counsel. To date the lender refuses to speak with the client to take a payment. The clients loan was on a scheduled transfer of servicer list and we were told the approved terms would transfer to the new servicer. We do not feel confident in the information provided by the lender and the lack of communication from the assigned rep is unacceptable.
Consumer complaint received 2016-04-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CMRE Financial Services, Inc. (TX)

On XXXX XXXX, 2016 I reviewed my credit report and noticed that an account that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting information on the account they claim I owe them. As of today, I have not received a response from this collection account.
Consumer complaint received 2024-02-16
Product: Credit reporting 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)

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.

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 convictions 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.