davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (OH)

I was initially contacted via a phone call in early XXXX. When I answered, the lady asked if this was ( she addressed me by my name ) and I responded, " it is '' and then she said, is your date of birth, XX-XX-XXXX, and I shared that I do not give out that information over the phone to someone randomly calling me. She shared she was calling about a debt, but could not share any information unless I provided my date of birth and again I shared that I would not provide that information. She then became rude and ended the call. The next day I received another call, this time it was a man and he said they were attempting to collect a debt and I shared that I did not have any outstanding debts and asked that they not call me again. Neither caller identified where they were calling from nor what debt they were calling about. Shortly thereafter, I received a collection notice in the mail from XXXX XXXX XXXX XXXX XXXX XXXX and the document reflected the creditor as XXXX and the amount due was {$100.00}. I ignored the mailing because prior to XX/XX/2020 I never had an account with XXXX I switched from XXXX XXXX XXXX ( I had been an XXXX XXXX XXXX  customer for XXXX years ) to XXXX on XX/XX/2020, so I did not call AmSher because I knew they were attempting to collect money that I did not owe. Fast forward to Friday, XX/XX/XXXX, I received an email indicating that a new account had been added to my credit report, so I immediately signed in to check my credit report and saw that there was a collection from AmSher. On Monday, XX/XX/XXXX, I submitted a dispute to XXXX XXXX and XXXX and XXXX has already removed the collection from my account. These companies should not be allowed to harrass people via phone calls, mail and they should not be able to report false accounts to credit reporting companies.
Consumer complaint received 2015-11-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I filed a compliant XXXX XXXX pertaining to an account in question ending XXXX. I received a phone call tried to call back that customer service number and extension. I would appreciate to be contacted by phone and or mail, with Bank of America.
Consumer complaint received 2020-08-22
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. (MA)

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.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

I reached out to the credit bureau and they said it came from XXXX XXXX and then XXXX XXXX said that they don't have any record of the bko in their system
Consumer complaint received 2018-07-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (GA)

I RECEIVED MONTHLY STATEMENT REGARDING MY XXXX ACCOUNT & I FOUND THEY DID NOT ADD MONTHLY INTEREST IN THIS ACCOUNT. THE CUSTOMER SERVICE OF THIS BANK WAS VERY BAD. THEY DO NOT HAVE ANY RESPECT FOR CUSTOMER. I THINK THIS IS FRAUD THAT THEY DID NOT PAY INTEREST IN MY ACCOUNT.
Consumer complaint received 2020-07-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/XXXX we started a mortgage re-finance with XXXX XXXX for a mortgage we had held since XX/XX/XXXX with BB & T. On XX/XX/XXXX we received a letter from BB & T telling us they had received a request for final payoff statement. On XX/XX/XXXX BB & T received subordination document for our HELOC loan, asking for their signature. Closing was expected on XX/XX/XXXX. 
BB & T did not sign the subordination document for 19 days - our closing was delayed to XX/XX/XXXX. Payoff was not received until XX/XX/XXXX. 
As a result of BB & T 's delay in signing the subordination document, we incurred a late charge on our XXXX mortgage payment AND we had to pay XXXX XXXX  {$780.00} to hold our interest rate for the new 15 year mortgage. ' We learned about this charge at the closing, even though we were told there would not be any charges that day. 
We have tried to work with both banks but all they do is point fingers at each other and will not take responsibility.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I reached out to the credit bureau and they said it came from XXXX XXXX and then XXXX XXXX said that they don't have any record of the bko in their system
Consumer complaint received 2018-07-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (WA)

I have contacted the ( XXXX XXXX ) a few times this year and I asked them if it was possible if I can lower the APR on the loan they said my loan is at it lowest ( 9.99 % ) I have never been late and every time I check my account online they state that they can not touch my account do to the fact that I'm currently on Active status in the military I opened my loan for {$42000.00} and my loan total of payments {$98000.00}. I have no problem paying off the loan that I took out just not at 9.99 % I currently am a homeowner and my loan is under 5 % for my house I never been late on a payment and really don't think its fair that they say they can't help me because I'm MILITARY on XXXX XXXX!
Consumer complaint received 2016-01-14
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (WI)

I think it is a collection agency that is calling for a medical bill. When I answer they either just hang up or ask me for the last XXXX digits of my Social Security number which I will not give. They will then ask for my birth date which I will not give either. They will not tell me who they are or what company they are from. They are calling both my home number and cell XXXX times daily. That is XXXX times a day. They start at XXXX. They call from several different numbers. They all begin with XXXX XXXX.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (PA)

In the   XXXX   of    1998  I graduated from  XXXX  my loan total was about {$6000.00}. I have made years of payments to  XXXX   XXXX  and then years of payments to Navient and yet my balance is over {$6000.00}. I have contacted both companies and no one can tell me what is going on, it has been almost 20 years and my balance is still the same. This is my first step before I try and contact attorneys involved in lawsuits against them. For years I was making payments of {$120.00} a month but as it has been 20 years i now longer have these records.
Consumer complaint received 2022-09-14
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

TD bank is involved in this large fraud as I am not the only one. Two accounts were opened for me, a checking ( I got these checks in the mail ) and a XXXX XXXX. 
The account was opened in XXXX when I called the bank they said it was opened on line, so there was no way to track how it was done. There was no help from them actually extremely rude. And later I found out that this couldn't even be done over the phone and I needed to prove to them who I was. SO I asked when I supposedly open the account how did someone proved it was me then. It was done on line they said, so I can't close it over the phone but you can open it without a pic ID? 

Of course I immediately called again spoke to the fraud dept. but heir costumer service which transfer me they did so to everyone under the sun, yet no one that was really in charge. Finally someone said we are closing this account, report it to your credit bureau and the police if you want, and freeze your credit report. 
After I thought the matter was done I got checking books, statements with an amount of {$5.00} and more statements letting me know that there was a transaction one XXXX a person called XXXX XXXX sent {$10.00} with 2 different transactions. 

Later more statements letting me know I was overdrawn {$5.00} I have received statement after statement although I called them to close these accounts again and again and even went personally to a branch to resolve this problem, today the end of XXXX I am getting more statements. I asked how can this be done without any ID? I don't know it was her answer, extremely rude woman here in XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-09-14
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: LEXISNEXIS (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

On XX/XX/20 I sent in a dispute to experian explaining that the date of last activity is incorrect along with so many other inconsistencies and they left this issue the same and updated it on XX/XX/20 with absolutely no changes and clearly the credit bureaus did not conduct their own investigation required by case law. If this creditor did update this information saying accurate then what that means from the evidence that I sent in is that they are not following e-oscar or Metro 2 Compliance because all information should report the same all across the board with this alone this account need to be DELETED FROM MY REPORT. Attached you will find the proof that letter was sent saying that their was discrepancies, proof that nothing was done about it and proof showing ALL the discrepancies highlighted in RED all across all 2 bureaus. 

Thank you
Consumer complaint received 2020-05-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CARS Acquisition, LLC (TX)

I purchased a loan from XXXX XXXX XXXX who later went out of business and transferred the loans to Car Finance Services. All the money I had paid XXXX XXXX  was not credited to my account. It's as though they stole the money. Now Car Finance Services is showing past due and none of the money I paid is reporting.
Consumer complaint received 2018-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I tried to open a HSBC Advance Checking Account on XX/XX/2018. 

HSBC withdrew {$10000.00} from my XXXXXXXX XXXX checking account as opening deposit on XX/XX/2018 but failed to provide any information on how to access the HSBC Advance account. I  contacted HSBC several times via online chat, phone call and email, HSBC still did not provide me access to the HSBC Advance account. I was never given EBN ( Electronic Banking Number ) to register my account. 

HSBC also falsely advertise 24x7 service for HSBC Advance banking. When I called XXXX after XXXX ET, no one was available to answer the call. 
https : //www.us.hsbc.com/XXXX XXXX XXXX
Consumer complaint received 2017-06-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (WA)

I 'm XXXX years old, XXXX and live on social security. I have contacted Navient student loans with prove of income and XXXX they continue to ignore me. I have filled out 18 documents, sent 18 letters, social security has sent prove of income. I live below povetity. Navient student loans harasses me continually no one reads documents sent or listen to me. My loan is 17 years old they keep raising the amount of orginal loan and raised now to {$70000.00} dollars. I 'm unable to pay this I only get {$900.00} a month to live on. I 'm struggling just to keep roof over my head. I may be homeless anytime due to not being able to make bills paid due to high medical and medicine. I have tried continually to work with these people and they continue to ignore my letters for help. I owe no property and am a widow alone no where to go for help.
Consumer complaint received 2020-08-22
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)

I have made several legal contacts in attempt to resolve this matter and would rather request for this fraudulent account to be removed, simply because it was not done with my knowledge or consent. I am prepared to take legal matters if this account is not removed from my credit history. No one should have to deal with such nonsense and fraudulent activity, as though this pandemic isn't enough for crying out loud!
Consumer complaint received 2020-08-22
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: EQUIFAX, INC. (FL)

I have made several legal contacts in attempt to resolve this matter and would rather request for this fraudulent account to be removed, simply because it was not done with my knowledge or consent. I am prepared to take legal matters if this account is not removed from my credit history. No one should have to deal with such nonsense and fraudulent activity, as though this pandemic isn't enough for crying out loud!
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX XXXX {$1700.00} XXXX XXXX {$54.00} XXXX   XXXX {$98.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$210.00} XXXX XXXX  XXXX {$560.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$200.00} XXXX XXXX {$1800.00} XXXX XXXX {$1400.00} XXXX XXXX {$450.00} XXXX  XXXX {$710.00} XXXX XXXXXXXX {$120.00} XXXX XXXX   XXXX {$710.00} XXXX XXXX XXXX XXXXXXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} DEPTEDXXXX   XXXX {$5500.00}
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Due to previous fraud and or my personal information being exposed. I am requesting for the information of my current Employer, to be removed from being visible on my credit report. This is not acceptable for my job employer to be exposed on my credit report. Please removed immediately from all 3 credit bureaus. As I observed when checking my credit report for unauthorized activity.
Consumer complaint received 2019-06-04
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. (FL)

Due to previous fraud and or my personal information being exposed. I am requesting for the information of my current Employer, to be removed from being visible on my credit report. This is not acceptable for my job employer to be exposed on my credit report. Please removed immediately from all 3 credit bureaus. As I observed when checking my credit report for unauthorized activity.
Consumer complaint received 2018-06-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BB&T CORPORATION (CA)

I was searching for potential apartments to move into on XXXX when I came across a 1-bedroom apartment ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) for $ XXXX/month. During the afternoon of XX/XX/2018, I messaged the property manager, XXXX XXXX, through XXXX. At XXXX on XX/XX/XXXX, he sent me an email with more information about the apartment. I asked if I could view the apartment before filling out an application, but he said I could not view the apartment until the current tenant moved out on XX/XX/XXXX. He said for now I could secure the apartment by signing a Lease Agreement and wiring the first month rent ( {$2300.00} ) and security deposit ( {$1500.00} ) to  the Landlord ( XXXX XXXX ). XXXX said when I do view the apartment and decide I do not want it, I will be fully refunded. I emailed him the completed Lease Agreement on XX/XX/XXXX,  and the wired money went through to the Landlord 's BB & T  account on XX/XX/XXXX. He agreed to show me the apartment on XX/XX/XXXX at XXXX. However, on the morning of XX/XX/XXXX, he emailed me saying he could not show me the apartment because his mother just XXXX XXXX with XXXX, and he won't be back until XX/XX/XXXX. Since I currently live in this apartment complex but in a different unit, I decided to go to XXXX XXXX XXXX to see if anyone lives there. At XXXX on XX/XX/XXXX, I knocked on the door of the apartment, and the couple living there answered. They said they are the residents of the apartment and are not planning to move out any time soon. At around XXXX on XX/XX/XXXX, I went to the XXXX XXXX Police Department to report this fraudulent incident.
Consumer complaint received 2019-06-04
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX ; Unknown : XXXX