davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-15
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Cade Investments LLC (MS)

on same day in XXXX 2015 they called my wife at work, me at work and me at home, from XXXX. The man, XXXX XXXX, stated he was trying to find our son to collect a debt, that a claim had been filed against him and his old address was no good. Informed XXXX XXXX that we did not know where our son was and to not call us any more. On approximately XXXX XXXX XXXX XXXX called again. We informed him of previous request not to call, that he was violating FCRA, and ask for his company name, address and phone number. He would only supply CKA as the company name and then hung up.
Consumer complaint received 2018-07-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (NC)

GE Money at XXXX calls and hangs up, and usually call right back and always hangs up. I have contacted Care Credit after each call to update them I still do not have the money for the payment and request they communicate through the website but the calls have continued XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Systems,Inc. (KS)

I was contacted by phone on XXXX/XXXX/15 by XXXX XXXX with National Credit Systems. She told me that I had a bill from XXXX XXXX that had been turned over to her office for non-payment. I explained that I had moved out of the complex and was not aware of any bill. I requested a copy of the bill be sent to me. XXXX XXXX said she would put it in the mail to me that day and put a hold on the collection account. I received a generic phone message on XXXX/XXXX/15 from XXXX XXXX asking me to call her. I returned her call and left a message. I called again on XXXX/XXXX/15 and got XXXX XXXX, she had no record of our previous conversation. XXXX XXXX said that XXXX XXXX claimed I left over {$1100.00} in damage to the apt . I explained that the apt was left in perfect condition and I had friends who helped me clean it and could confirm the condition. I again requested a copy of the bill, all the charges itemized and photographs of the so called damage. XXXX XXXX said she had a bill with a total and would mail it to me that day but could she get my credit card number and have me make a payment. I told her that I am disputing this bill. She assured me that the account was in dispute and it would not be filed on my credit. I called XXXX XXXX on XXXX/XXXX/15 because I still had not received the bill. She said she would request the bill. I stopped her and asked " What do you mean request the bill? Do n't you have a copy of it? '' XXXX XXXX said that she had requested the bill but never gotten it. XXXX XXXX immediately transferred me to a voice mail box that she claimed was her supervisor. I left a message with my account # and phone #. I was not called back. I left a message on XXXX/XXXX/15 and XXXX/XXXX/15 and have not received a call back or a copy of the bill. I did received a letter from NCS on XXXX/XXXX/15 stating that they were placing this debt on my credit history if I do n't make payment arrangements with them immediately. I filed a complaint with the XXXX on XXXX/XXXX/15. I received a call from XXXX XXXX on XXXX/XXXX/15 in response to my complaint. He said that his office mailed a copy of the bill to me on XXXX/XXXX/15 and he would request another copy be mailed. He was very abrupt and rude. He said my account is still in dispute and nothing will be filed on my credit at this time.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XX/XX/2020 i have been trying with the help of XXXX out credit restoration to dispute misinformation on my credit report. We have sent in multiple request and reports to Transunion on multiple dates for the past XXXX  years i have submitted police reports, case numbers etc. i have also been notified of breaches and had credit monitioring services and done dispute after dispute and nothing has been removed that was negative from my credit reports. this has severely impacted my credit ratings and dropped my scores.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Equifax is reporting wrong address for me, which is fraud and identity theft. I never lived at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, I never lived at XXXX XXXX XXXX # XXXX XXXX California XXXX
Consumer complaint received 2018-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

When I received my Bank of America credit card statement I noticed a {$1.00} " Minimum Interest Charge '' of {$1.00}. 

I am under a 0 % promotional rate through XX/XX/XXXX. 
My minimum monthly payment is {$68.00}. 
I over the last few months I have been paying {$250.00} every other week. 

I have NEVER been late on this account, I pay well in advance of the due date and I pay 5 times the minimum monthly charge, so why am I being hit with the {$1.00} a month charge? It looks like this started about 3 months ago. 

I spoke with a representative on XX/XX/XXXX at XXXXXXXX XXXX and she told me that because my payments were hitting i advance of the cycle date I will get charged. 

I spoke to a supervisor, XXXX, who explained that it looked like I was getting charge the {$1.00} as a result of prior {$1.00} charges, and something to do wt the cycle date. 

XXXX was able to remove the {$1.00} fee for me and she hopes that this will eliminate future fees. 

I asked for the disclosure that says I must pay between certain dates or get changed and they cold not produce that for me. 

My credit score is over 800. 

My concern is that there are probably a XXXX others just like me and they are getting charged this unjust fee. Bank Of America should be able to have sophisticated systems in place to account for this type of situation.
Consumer complaint received 2017-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

American Express closed my BLUE CASH AX account XXXX XXXX XXXX XXXX some time back and confiscated my REWARDS BALANCE of {$700.00}.
<P/>
I have paid A
MEX the balance due in full in accordance with the Cardmember Agreement. <P/> I twice requested that AMEX make the points available to me. <P/> Amex refused. <P/>
I did not know that CPFB could intercede on my behalf on matters such as this or I would have pursued this Complaint two years ago.
Consumer complaint received 2020-05-12
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. (CO)

I Logged on to XXXX per the FTC recomendation. I completed all necessary forms as well as answering nearly impossible multiple choice questions posed by Equifax. I was then denied a credit report and directed to mail in a ridiculous amount of sensitive and private information.
Consumer complaint received 2021-03-25
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: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX I started disputing some collections and inquiries that are reporting on my credit that are not valid. I have yet to receive any information about the bureaus investigating my dispute ; they have never even acknowledged it! On XX/XX/XXXX I sent another dispute to the bureaus ; STILL nothing has been received or even acknowledged that the investigation would be started, no responses have been received, no debts have been validated. You have a legal responsibility of corresponding with the client within 30-45 days ; this is obviously WELL past that timeframe! I am now sending a 3rd dispute today, XX/XX/XXXX, via certified mail. Maybe this will get you to do as you're legally required to.
Consumer complaint received 2018-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Fraudulent loans was opened using my identifying information and I contacted the companies and credit reporting agencies with disputes also I and sent FTC and police reports to companies and credit reporting agencies as requested and I'm still having the same issues.
Consumer complaint received 2018-07-01
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. (AR)

XXXX XXXX  ONCE AGAIN VIOLATED THE FCRA AND THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT AND HAS RAN MY CREDIT ON EXPERIAN 111 TIMES AND IS FAILING TO REPORT TO XXXX.
Consumer complaint received 2021-03-25
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. (NC)

On XX/XX/XXXX I started disputing some collections and inquiries that are reporting on my credit that are not valid. I have yet to receive any information about the bureaus investigating my dispute ; they have never even acknowledged it! On XX/XX/XXXX I sent another dispute to the bureaus ; STILL nothing has been received or even acknowledged that the investigation would be started, no responses have been received, no debts have been validated. You have a legal responsibility of corresponding with the client within 30-45 days ; this is obviously WELL past that timeframe! I am now sending a 3rd dispute today, XX/XX/XXXX, via certified mail. Maybe this will get you to do as you're legally required to.
Consumer complaint received 2017-07-31
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 — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

XX/XX/XXXX amount  XXXX , I was made a dispute at  XX/XX/XXXX , cause I not recognize that credit card is my plus I never spend a lot money in one time in any credit card, account number XXXX ,   XXXX   XXXX   XXXX   XXXX  .
Consumer complaint received 2021-03-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (GA)

On XX/XX/XXXX of XXXX I began receiving notices from Shellpoint Mortgage Servicing saying they would force insurance on my property at XXXX XXXX XXXX XXXX, XXXX Ga. I have insurance so my insurance company faxed proof of coverage to the fax # listed on the notice. XX/XX/XXXX I got another notice from XXXX. This time my insurance company called them. The problem they claim is they have my address as XXXX XXXX XXXX, XXXX. They are missing the XXXX and XXXX also has the city wrong. The city is XXXX. At this time my insurance company wrote a letter to XXXX stating the two things they had wrong, and sent proof of insurance and also my tax assessors document showing the correct address. This letter that was notarized and with the attached information was sent 3 ways ... 1. faxed to XXXX 2. uploaded to their website and 3. regular mailed to XXXX XXXX XXXX XXXX, MI XXXX. I'm still receiving letters and now my mortgage is due and they have added for insurance. I've called them and they will not help me. They tell me I need a XXXX form but won't provide it for me and the postal office doesn't know what they mean. They are really ugly to me when I call. I'm not financially able to get a mortgage with another company or I would do that. I'm an older lady and there has to be someone out there who can help me with this company. Please can you help? I tried to upload my documents but it says file too large.
Consumer complaint received 2018-06-30
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX pilot who travels a lot and has been loyal Bank of America Customer since early XX/XX/2000, back then they had best online bill pay. Signed up or responded to B of A Credit Card offer that had points like XXXX & since I travel a lot I realized I was not getting a bill / paper statement of which I always want not an online bill which disappears when computer has a bad day or lighting or you pick the reason. I called them & they say I choose paperless which I never do since my dad 's business got audited twice when I was a kid and he always said thank XXXX for the paper trail!! I have always had over 800 score until now I have a Adverse Acct. / B of A Credit Card / late of which they blame me when I always have a min. of XXXX to XXXX XXXX  in their Bank which will change soon & Direct Deposit from XXXX XXXX which will change soon. Why would I have Thousands in their bank & have a title of Premier Customer & get a XXXX K limit of which I did not need. Why would I not pay a couple XXXX dollar bill, DOH?? 
I will be switching to my more local banks whose online bill pay has improved & who I can look in the eye if I am unhappy or they can call me if something is late. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (CO)

I DO NOT OWE THIS DEBT. IT WAS INCLUDED IN MY BANKRUPTCY WHICH WAS ALREADY DISCHARGED. ATTACHED, YOU WILL FIND A COPY OF MY BANKRUPTCY DISCHARGE LETTER.
Consumer complaint received 2018-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

On XX/XX/2018, my XXXX  Fraud alert contacted me about BANK OF AMERICA obtained a copy of your XXXX Credit Report without my knowledge or authorization.
Consumer complaint received 2018-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2018, I was alerted by XXXX that CHASE CARD obtained a copy of my XXXX Credit Report. This was not unauthorized by me and I have disputed this with Chase before this incident.
Consumer complaint received 2016-08-13
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Troy Capital, LLC (TX)

XXXX XXXX XXXX XXXX recently garnished by bank accounts for over {$10000.00} over a debt I did not know I owed. I did not receive any communications regarding this debt. When I finally spoke with someone in their office. I was informed the original debtor was XXXX XXXX XXXX XXXX . They sold the debt to Troy Capital, LLC and their law firm filed a lawsuit against me. This person stated they served me with court papers in XXXX XXXX 2014 @ XXXX. I informed him that would have been impossible to do as I was at work on that day XXXX. I asked if they had a signature showing I signed these papers. The guy then tells me he ca n't give me that information and said I could get a lawyer. They took every cent I had out of my bank accounts and left them in the negative by thousands of dollars. I ca n't pay my bills or buy food for my child because all my money is gone. This is not right and I plan to fight this.
Consumer complaint received 2020-08-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-06-27
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (FL)

I am a XXXX XXXX and has been for the last 12 years, and I am currently in the process of filing for divorce, in XX/XX/XXXX I moved out from my previous address and I also opened a XXXX XXXX to have my mail forwarded. Last week I received a letter from a company called Navient stating I am late on my payment, I called the company to explain they have the wrong person I have never been to college nor applied for student loans. The rep then explained that I am the cosigner, for my wife. I never gave my soon to be exwife permission to use my social and to my surprise this occurred since XX/XX/XXXX, she never told me about this and it seems as she has been hiding the mail since then because I am always on the road more than I am at home. I asked her why she used my social for her student loan and she simply said after we got married she thought I would like to invest in her education.
Consumer complaint received 2018-06-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (PA)

I was charged with 3 overdraft fees on XX/XX/XXXX after the bank posted I had available funds on my online banking account ledger. On XX/XX/XXXX ... I was told I was overdrawn on XX/XX/XXXX. The available funds posted on XX/XX/XXXX was inaccurrate. My paycheck.posted at XXXX on the XXXX ... but according to the bank I was still.overdraft status ... .which did not post until.Saturday the XXXX. The bank refuses to refund two of my {$38.00} fees.
Consumer complaint received 2018-06-30
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (GA)

Years ago when my daughter was in college I took out a private student loan through my XXXX card. The account was first purchased by XXXX, then finally in the past few months purchased by Navient. My daughter who is gainfully employed advised me she did a Release of Responsibility. And sure enough the account was removed from my Credit report to the some of about {$7200.00}. Last month I received a letter to my house advising me my daughter was {$57.00} past due, so I called Navient informed then I am no longer on the account and it has been removed from my credit report but will make the payment for my daughter. 
They then proceeded to get rude and tell me I am not removed, when clearly it had ben off my Credit Report for months. This month XX/XX/2018 the Navient account was put back onto my credit report after the Release of Responsibility for the Cosigner me ( XXXX XXXX ), had been removed. My daughter XXXX XXXX contacted the company informing them they had made an error, no one could explain what had happened. NAVIENT then proceeded to inform my daughter she would once again need to submit the Release of Co-signer paperwork, along with school transcript, my paystub, and her employment info. We keep doing this and the company knows I should not be receiving mail, or have this info on my credit report, but once again I am in the same situation. The account should be off of my credit report effective immediately.
Consumer complaint received 2020-04-25
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. (IL)

I have multple Incorrect address on my credit report that I need deleted from my credit report immediately as these addresses do not belong to me. 

Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, My CORRECT address is XXXX XXXX XXXX, XXXX IL XXXX. I ask that you please correct this information. 

Also the following inquiries are incorrect and should be deleted from my reports immediately : XXXX XXXX  XXXX  - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, Thank You
Consumer complaint received 2020-08-22
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: STATE FARM BANK, FSB (NH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.