davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (MD)

( ( ( ( ( stop editing my words. so not even me the writer cant understand. What I wrote, because someone is deleting parts of my statement ) ) ) ) ) I noticed there is some illegal activity 's on the summary of my credit report, that where not intended to affect my credit score. I also notice the confusing affect of calling the summarys score factors. Summary 's are not ment to be used as score factors. Why are these fake factors now effecting everyones ( scores ) that, is not the only illegal thing happening to my self, its everyone. That I have coached. here is one For example : in my case ( age of credit ) is saying that 10 years is to low and I need to have 10 accounts with over 20 years each. That is impossible to achieve these claims because you would have to be alive for over 220 years. In order to accomplish that?. # 2 For a loan balance that is to high for after a person has paid off over 40 % of principal and it is actively decreasing a persons score by 44 points which again is not suppose to happen. As I have explained to them I understand how things works like age of credit now calculate on average because the consumer has figures things out or because I have found out how things work. As if the purpose is to keep us consumers in the dark so that they can manipulate our credit how they choose. In the name of greed.? ( I have copied this to compare. ) and send to the White House
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

Hello - I went to pay my bills using an online banking service with USAA and when I opened the the screen I was met with the requirement to provide my personal income and net worth. USAA would not let me proceed from there without providing this information. I called and asked to speak to a USAA representative. He said the information was required by the Patriot Act. I asked what part of the act. He didn't know. 

The call was transferred to " XXXX '' who claimed to know more information. I asked why USAA wanted this information and she said USAA wants it and also it is required by the Patriot Act.She said USAA won't provide me access to my accounts to pay my bills until I fill that out. I asked if I could have her last name. She said no. I asked if I could get a direct number. She said no. I asked what government agency regulates USAA in this area. She said Consumer Finance. I asked what part of the Patriot Act required that I provide this information. She wouldn't provide this information but reaffirmed if I don't provide it I won't be able to access my accounts. I asked again if there was someone who could provide more information. She said no. She affirmed I had exhausted any ability to resolve this matter by directly contacting USAA.
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE (NJ)

I transferred {$49000.00} from my old savings account into my Schwab account. For no reason, Schwab has indefinitely frozen my account, despite multiple hours on the phone with their customer services, and many different forms of identity authorization ( I've given them my SSN, the correct answers to my security questions, the correct balance in my account, and the correct answers to multiple public records quizzes ). They claim they can't see why my account was frozen. They also say they can only reach their internal investigators via email. No one can help me and now I can not access a large portion of my savings. My money is being held XXXX, for no reason, and without my consent.
Consumer complaint received 2019-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WV)

Fifth Third uses fuzzy math. I do my calculations with the computer XXXX program for accuracy. 

Fifth Third table shows actual escrow balance {$2700.00}, when XXXX subtracts the {$1500.00} reimbursement, the balance is {$1200.00}. 

Fifth Third XX/XX/2019 statement shows escrow balance of {$1000.00}. 

This is short {$110.00} I also get the same math results of {$110.00} by using paper and pencil Issue a reimbursement check of {$110.00} Pay my homeowner 's policy on time in XX/XX/2019 XX/XX/XXXX
Consumer complaint received 2023-03-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (LA)

Only two days ago I was told I have XXXX for the second time. When I was myself I received an email message that stated Chase was going into my account for the second time this year to withdraw funds for what they refer to as a temporary credit. However, I reached out to Chase in a timely manner and told them I did not want them going into my account and its not authorized for them to do so. At this point the representative on the phone kept saying it was a scam and they dont do this and I explained its happened before. I went on XXXX and even let it be known that when they do this it puts me in an overdrawn status. Currently Im homeless and this institution only cares about their money. I dont owe anything to this financial institution and the {$20.00} they ripped me off with should be placed back into my checking account along with the correction of me having an overdrawn account. I no longer want to have anything to do with this bank.
Consumer complaint received 2022-05-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

There are too many inaccuracies in my report and i have filed disputes with EQUIFAX on the dates below EQUIFAX. 
- XXXX XXXX XX/XX/2022 It is over 90 Days i still do not have a response or report of investigation, that is if they did any. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MN)

My pay was garnished by XXXX XXXX XXXX on behalf of XXXX XXXX for the full amount of money I owed on a debt from XX/XX/2012. I was out on XXXX during the garnishment period and this money was paid from my short term XXXX benefits. While I am relieved to complete payments on a debt I rightfully owe, the original creditor is still reporting my account as unpaid on my credit reports. 

I have tried contacting the bank customer service with no success. I also disputed the account with the credit bureaus but they are verifying the debt as accurate. I did not receive a garnishment release although they stopped taking my pay.
Consumer complaint received 2018-03-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (FL)

My interest rates continually rise making it impossible for me to get out from my student debt. My initial interest rate was for 8.25 % ( very high- but my only option at the time ). My problem is that this number increased three times per year in XXXX and so did the owner of my loan. Every time the loan changes hands - my interest rate increases. I am only offered a 0.25 % rate decreased if I consent to having automatic bill pay. I am very uncomfortable with any company using this method of payment and refuse. I have been repaying my student loans however the interest continues to increase. 

XX/XX/XXXX - Interest rate increased to 8.75 % XX/XX/XXXX - Interest rate increased to 9 % XX/XX/XXXX - Interest rate increased to 9.25 % XX/XX/XXXX - Interest rate increased to 9.25 %
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (MN)

Hi, I did pay my phone in full to unlocked it in XX/XX/XXXX and finish my membership the amount was XXXX $ under the phone number XXXX, then I switched over XXXX career on XX/XX/XXXX, since that time XXXX  keep charging me around XXXX $ a month for a phone number that I've never had which is XXXX and if you call this phone number is out of service, I did talked to an agent he said he gon na fix it and will never charge me again, although the month after, they charge me again I did call my bank to stop letting them take the money, in the XX/XX/XXXX wich is 2 days ago I did talked to them again but not solve the issue they were just confused because they were mistaken and said your case is now at the collection, and now they keep bothering me with a bills that I don't owe.
Consumer complaint received 2022-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (KS)

RMS attempted to collect a debt of XXXX for XXXX insurance. I've called them and told them i don't owe the debt because I had other insurance. They added it to collections before the timeframe given to respond. I also sent a certified letter to the company. No one has called or responded in a letter. No one has sent me any documents proving to me that i indeed owe the debt. Now they have yet again ILLEGALLY added it to my reports again. I do not have faith in this company. They are trying to ruin me for XXXX! I am making strides to pay off debt i owe. I have arrangements for debt i owe. So why would i ignore the SMALLEST debt I ALLEGEDLY have? This is obsurd and they are not abiding by the law in my opinion. I feel my rights have been violated in every sense of the word.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (MI)

Commenity Bank XX/XX/22 {$11.00} fraud charge to XXXX, credit limit $ XXXXHad a {$0.00} balance. Only used this card couple times a year. XX/XX/22 late fee {$11.00} + {$1.00} interest charge. XXXX {$23.00}. I believe it was XX/XX/22 when I noticed the fraud. I made no purchases and unfortunately Commenity Bank emails went to my spam. I contacted Commenity and they cleared up the fraud issue. Issued new card. Do to late fees/fraud on my account credit was dropped to {$750.00} and 30 day late was posted to my credit report. Commenity told me the Credit Bureaus would fix this and so. Been a big run around
Consumer complaint received 2019-06-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I am filing a complaint regarding Navient payment plans and the active lawsuit that they are involved with. I am a XXXX XXXX for an XXXX XXXX and has been with the company 3 years now right out of college. I never received any information regarding better payment plans for me besides an IDR plan which increased this year slightly under the amount I was originally charged. Being involved in a XXXX XXXX does not pay the best which does not allow me to pay these payments in full with no other options available to me.
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 1st Franklin Financial Corporation (GA)

XXXX XXXX XXXX XXXX filed a judgement for none payment in XX/XX/XXXX. In XX/XX/XXXX I was asked to pay {$340.00} on XX/XX/XXXX, and {$160.00} every month beginning XX/XX/XXXX. I made the payment XX/XX/XXXX and every month after. After viewing my credit report I noticed my account reporting late for the month of XXXX, XXXX, and XXXX. There policy is a {$10.00} late fee and I was never charged a late fee any of the months mentioned above. I could not resolve the problem so I since payed off the account to avoid any future reporting of late payments.
Consumer complaint received 2021-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX is reporting two accounts on my credit reports as charge-offs/writeoff ; however, this company is still reporting a balance due which has been sold to a third party company. I never received anything from this company advising me that they were transferring an old balance to a debt collection. Also, this account is identified as a student account which I NEVER had any type of " student account ''. I have attached proof of this inaccurate information. I contacted the bank in XX/XX/2021, I was advised they didn't see any accounts due.
Consumer complaint received 2022-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

Remove the following accounts from my credit report immediately. As of XX/XX/2022 I received an update on my consumer report after a re-investigation I did on Equifax on two accounts ; XXXX XXXX XXXX XXXX and XXXX XXXX. These accounts are still not reporting 100 % accurate on my credit report and I know this because i compared my updated Equifax report to my updated XXXX report and under 15 U.S. Code 1681i ( 5 ) any inaccurate or invalidated credit information reporting to my credit report after a re-investigation the consumer reporting agencies shall delete that item/account. The furnisher had more than 3 times to correct this matter so notifying them will do nothing i need these accounts removed immediately as this has been stopping me from obtaining good credit and also is in violation of my consumer rights.
Consumer complaint received 2018-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My complain is about Bank of America Visa 's fraud protection. BoA had the chance to seize the money in dispute, but still let go without my final consent. 

I filed dispute claim with credit card department on XX/XX/XXXX about a {$2400.00} charge on XX/XX/XXXX by a plumbing company. I received service from this plumbing company but later as I contact them, all can be found is {$570.00} payment from me rather than {$2400.00}. The business owner asked me to dispute this charge with credit card company, they'll not fight back. So I filed claim with Bank of America and emphasized the business owner do not recognize this charge and can provide statements written upon request. 

Bank of America turned back to me onXX/XX/XXXX and told me they got feedback from the " merchant '' insisting they are who they claim to be and it was I who authorized the charge. I contacted the plumbing company again and business owner confirmed again they did not charge, in fact their charge should appear differently than what appeared on BoA 's credit card bill. Now to me I am being charged by a XXXX merchant that registered itself with a very similar company name. 

On XX/XX/XXXX I called Bank of America and ask to resume the dispute. But I am told BoA already sent money to the ( XXXX ) merchant on XX/XX/XXXX, and put back the charge on me. There is nothing Bank of America can do from this point. 

My complaint to BoA is whether they are standing by their fraud protection. Charges made to stolen card are protected, but charges by XXXX  party in disguise is not? Also the unfair thing I feel is, in the claim, I said the charging party is not who it pretends to be, and the charger fights back saying it is. Why BoA choose to believe this merchant over me? Wouldn't it make more sense BoA asked for evidence from both parties before releasing the fund? Don't BoA feel it important to protect it's consumer 's money? 

I do not file credit card charge disputes often. The only other time was many years ago with XXXX, over what I believe a more complicated transaction. The experience with XXXX, in simple term, was way better. 

( Plumbing company is a large franchised chain. It's name is omitted here. )
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2018 XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2018-03-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY is trying to collect on an old debt in the amount of {$1600.00}, that was discharged under Chapter XXXX Bankruptcy in 2012. The original creditor is XXXX XXXX XXXX   and the account is closed. Portfolio Recovery has continuously called and threaten me, and continue to use threatening and profane lanuage in its telephone calls to me. I have asked repeatedly that Portfolio Recovery and its agents, representatives stop calling and trying to contact me, to no avail. Portfolio Recovery continue its attempt to collect on a debt that is not owed. Further, I do not have a Consumer Contract/Agreement with Portfolio Recovery and owe them nothing. Portfolio Recovery has damaged my credit by placing this debt with all three credit bureaus and updating stated debt every month in order to further damage my credit. Thank you.
Consumer complaint received 2022-11-20
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. (SC)

There was a fraudulent XXXX XXXX account credit in my name with my information around XX/XX/2021 and there are also several fraudulent inquiries reporting on my experian credit report including ( XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX )
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

I maintain a healthy balance across several Chase checking & savings accounts that exceed their 5-10k minimums. Currently XXXX in there right now. Typically transact about XXXX in money channeled in and out of there accounts annually. Another 40-60k spend on Chase credit cards annually. One of my accounts dropped below the XXXX XXXXhreshold, and Chase racked up fees without notifying me until I caught it a couple months later. I requested a waiver for the fees since I do a lot of business on my Chase accounts and hold a good pile of cash in them. They refused to waive more than the last month 's fee even though I maintain a lot of money across my Chase accounts and do a lot of business with them. To say I am disappointed in this outcome is to put it lightly. I guess I'll close my accounts and bank elsewhere if this isn't resolved to my satisfaction.
Consumer complaint received 2019-03-18
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. (CA)

I received a bunch of alerts concerning my credit report. Once I checked my credit report I noticed a bunch of inquiries that didn't belong to me. I never applied for credit or given anyone permission to apply for credit on my behalf. The listed inquiries are a result of my identity being compromised : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX  XXXX 4.XXXX/XXXX XXXX XXXX  XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX   XXXX  XXXX 7.XXXX XXXX XXXX XXXX 8.XXXX/XXXX  XXXX 9.XXXX XXXX XXXX XXXX  10.XXXX-XXXX XXXX XXXX 11.XXXXXXXX XXXX 12.XXXX XXXX XXXX 13.XXXX XXXX XXXX
Consumer complaint received 2019-03-18
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. (CA)

I received a bunch of alerts concerning my credit report. Once I checked my credit report I noticed a bunch of inquiries that didn't belong to me. I never applied for credit or given anyone permission to apply for credit on my behalf. The listed inquiries are a result of my identity being compromised : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX 4.XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7XXXX XXXX XXXX XXXX   8.XXXX XXXX  9.XXXX XXXX XXXX XXXX  10.XXXX XXXX XXXX 11.XXXX XXXX  12.XXXX XXXX XXXX  13.XXXX XXXX XXXX