davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-06
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

Before the end of 2023 I sent in documentation via certified mail to receive and cash out my XXXX XXXXXXXX XXXX  XXXX plan since I only worked for them for about 10-11 months. The money has been delayed for several months to receive my check and when I call they can not confirm any details of when a check will be mailed out. They aren't able to give me a response when contacting their customer service agents at Merrill Lynch for that past several months.
Consumer complaint received 2022-09-09
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, J XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$340.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (OH)

For some reason this company just randomly showed up on my credit reports in XX/XX/2019 claiming I owe a debt without sending me proper validation for the debt they claim I owed. I have mailed this company a letter to validate the debt on XX/XX/2019 and have not received any follow up correspondence from them assuming this collection was bogus. They continue to damage my credit reports and credit score by reporting this erroneous debt without sending me any information or validation I requested in writing from them. I have never received any letters or phones call from this company prior to reporting this debt to the credit bureaus. I also disputed this debt twice with the credit bureaus by certified mail on XX/XX/2019 and again on XX/XX/2019 with both disputes coming back as verified which is false. How was this debt verified with the bureaus but not with the consumer ( me ) like requested?!
Consumer complaint received 2018-01-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL alleged debt amount : XXXX This company refuses to acknowledge my request by certified mail letters of validation with contract signed by me and proof of their license. I have sent letters twice and have n't received anything other than updated alleged debt on my credit report.
Consumer complaint received 2022-09-09
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. (NV)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2022-09-09
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. (NV)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete the following items as soon as possible : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX, XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (CA)

XXXX took {$280.00} from my checking account with Chime Bank on XX/XX/XXXX for a concert that was supposed to take place on XX/XX/XXXX. I was notified the tour and concert were POSTPONED indefinitely and that I would be eligible for a refund and on XX/XX/XXXX I contacted XXXX for a refund. XXXX customer service told me on XX/XX/XXXX that the " Event Organizer '' who they could not name was in charge of issuing any refund and that they would be in charge of contacting me next to tell me about how to get this refund. Who I assume is the XXXX XXXX XXXX XXXX CA or XXXX the band, never contacted me regarding any refund so after waiting past XXXX and XXXX and bank and business holidays I reached out to XXXX on XX/XX/XXXX who tried to tell me I had missed the finite 30 day window in which to request a refund which they said was from XX/XX/XXXX to XX/XX/XXXX only. 

I was never contacted by " Event Organizer '' and XXXX is trying to just get me to go away with no delivered service. There is no tour date re-set and I have been on the phone with all of these companies : XXXX, Chime Bank, and XXXX XXXX for a total of 5 hours of my life to date. 

I checked daily from XX/XX/XXXX on the XXXX website for the option to automatically request a refund and there was none available as the website said " The Event Organizer is working on rescheduling the event. Hold on to your tickets '' The latest call I made was to XXXX XXXX today. Chime Bank Customer Service is now non-existent for appealing the dispute which they denied to give my {$280.00} back. 

Charged in XX/XX/XXXX and the {$280.00} was expected back in a reasonable time frame after XX/XX/XXXX when I made XXXX aware of my refund request for the full amount.
Consumer complaint received 2022-11-17
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (GA)

On or about XX/XX/2022 I entered PNC Bank at XXXX XXXX XXXX, XXXX, AL XXXX around 3 pm. Upon entry I approached the teller and made her aware I would like to open a account. The teller stated to have seat and someone would be there to assist. She blurted out it will be {$45.00} to open a account. Her name was XXXX. By the time I settled in a chair the same teller was approaching stating she would help. I informed her I would like to open up a trust account. She stated the manager could help with this. She left and went into a office room near me. When she returned she had a piece of paper related to account opening information and said the manager was gone. I asked for the paper and she stated she needed to make a copy. She returned with a copy and the managers card. It said XXXX XXXX. I waited for a few minutes a woman walked out of the office room to the teller. When the woman left the teller I called XXXX and she looked at me. PNC bank is clearly conducting discriminating against clients preventing access to the bank. I was angered, shocked and embarrassed. XXXX knew I was the person who inquired about the trust via the teller. And was shocked I called her name.
Consumer complaint received 2022-09-09
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$1900.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$170.00}, XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2022-03-11
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. (NC)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

I got a notification saying my card was being used at an ATM, they were able to pull {$510.00} off my account within 2 minutes and Chime says they can not help until the transaction is posted. The address of the ATM is on the transaction as well as the time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have only used my card to withdraw money from fee free ATMs. I expressed my immediate grief to Chime that {$500.00} was missing from my account and they were unhelpful just putting me through the motions to get a new card.
Consumer complaint received 2019-10-29
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. (MI)

I continue to send Experian an dispute letter showing clearly that they are in violation of the FCRA in reporting inaccurate and incomplete and unverified information in my credit file. They employ stall tatics to prolong the process. I just received a postcard stating they were unable to verify my identity. As always I sent a copy of my driver 's license and social security card and they said that was not sufficient but on their website and on their credit report it clearly says that a driver 's license verifies your residence and social security card verifies my identity. They continue to say that all the disputed accounts are verified without doing a proper verification as required by law. They can't just keep reporting inaccurate and unverified information on my report without doing what they are supposed to do which is verifying that this information is 100 % accurate. This is frustrating and causing me alot of stress and grief. It's also causing me to be denied for credit that I am rightfully due. They are violating my consumer rights with their actions. I have requested a method of verification and the best they can do is say they can't verify my identity. They know who I am cause I have sent them the same information with every dispute. A copy of my driver 's license and social security card.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TN)

Six months after Carrington Mortgage  took over my account from  XXXX , they posted a delinquent account to my credit report.I have always paid this bill before or right on the first of the month.N o one said i was ever behind in my payments, nor was i given any notice.Apparently, they thought i sho uld pay both them and  XXXX  during their transition.I am angry and my credit rating went down  XXXX  points.This is both unfair and harmful to me.
Consumer complaint received 2018-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

I am writing to complain about Navient and its illegal practice of misapplying payments without my expressed permission. On XX/XX/XXXX, I mailed in three separate payoff payments ( each payment was over {$5000.00} ) along with specific instructions for each payment. My instructions identified my account number, the specific loan numbers, and the specific loan amounts that I intended it to be applied to. In my letter, I also requested that Navient provide me with an explanation if it is unwilling or unable to follow my instructions. On XX/XX/XXXX, Navient applied two of the three payments correctly. However, Navient misapplied one of the payments. I received no notification from Navient of any kind about the misapplication/misuse of my payment. I found out only after logging into my Navient online account. I called Navient on XX/XX/XXXX and tried to get Navient to refund me that misapplied payment. At first, a Navient representative ( XXXX, XXXX ) said that she has processed my refund request ( after she had asked me to upload a bank statement showing that my check has cleared my bank ), and that my refund request should be approved within XXXX hours. Three full days go by. I called Navient again on XX/XX/XXXX and find out from " XXXX '' that my refund still hasn't been approved. I asked for an explanation. I received no explanation. The second representative said she would get it approved " the next morning. '' It wasn't. I called again on the evening of XX/XX/XXXX to check on the refund and spoke to a third Navient representative ( XXXX XXXX ). That representative said my payment has been redistributed, meaning re-misapplied. I asked who authorized the re-misapplication of my payment? He couldn't give me a clear answer.
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (IL)

XXXX Mortgage They have lost or failed to process our payments which were made in plenty of time resulting in late payment fees! We were sending payment postmarked weeks before payment is due on the XXXX. They do not seem to even have a 3 day window grace period given that we can not control the timing of the United States Postal Service. 

When I looked at reviews there were several of these types of complaints. 

We will be paying electronically from now on but this has happened twice. This is a XXXX home. We have never ever had any late or missing payments for our current mortgage with XXXX XXXX. 

I feel they are deliberately not processing payments based on the recent reviews and complaints and need to be investigated for this practice. Not sure how I can switch mortgage lenders without refinancing but will be looking into it. This can potentially hurt credit.
Consumer complaint received 2017-07-28
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. (NE)

My Experian credit summary on their website shows 1 late payment of 90+. When you click through to find what account the late payment is on, it shows NO negative accounts.
My credit report shows no negative accounts. It is ONLY on their website summary page. It has dropped my credit score by XXXX points. The other agencies, XXXX and XXXX, have my credit score in the XXXX 's with no negative accounts. I have never had a late payment in my life.
This is an Experian system problem!!! I have called them several times and they kept passing me from the membership department to the dispute department. There is no account to dispute because there are no late payments.
This last time I called after being told there was nothing they could do, I said I wanted to escalate the issue and was then transferred to a voice mail system.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (CA)

In accordence with the Fair credit reporting act XXXX  Account # XXXX, # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A, States I have the right to privacy 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency Can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX $
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

In XX/XX/XXXX, I couldn't get pre-approved for a mortgage loan because Equifax put a freeze on my credit information due to the cyber hack they experienced in XXXX, which left me as one of the victims. They provided me a pin to unfreeze my credit information but it did not work. Then they required me to fax sensitive Personal Identifiable Information to a number. After XXXX attempts, they said they did not receive my fax which contained my drivers license and Social Security card. Then they required me to mail in a copy of the same information they had me fax. Finally, after spending hours on the phone with them, they unlocked my credit report. They also made me create a new login ID. Today, on XX/XX/XXXX, I attempted to login and the only information they provided me with is that they can't process my login request at the moment. 

I am writing to complain about their system which causes customers to have to continuously change passwords and login credentials, but leaves them without knowing how to do so or any warning or notification that a login credential is about to expire. Also, I am writing to complain about their unsafe practices of requiring customers to fax sensitive documents, which they end up losing. There is no question in my mind that they will have another major data breach on their hands, if they haven't already since XXXX.
Consumer complaint received 2022-09-09
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. (SC)

I have looked into my credit report with experian and they have false numbers, addresses, and show delinquent medical accounts that are showing they are in collections. And they are not. They will not remove or update these problems. Nor will they give me a copy of my full credit report. It is because of them that I have been turned down for credit in the past 2 weeks.
Consumer complaint received 2017-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

XXXX XXXX has a fraudulent account listed against my credit file with the credit bureaus. The account they have listed against me was opened as a result of identity theft, where my correct personal information was used to open a utility account in my name fraudulently. This account is however not under my social security number, yet it is still listed on my credit file. I have contacted XXXX XXXX to make them aware that this was a fraudulent account and was yelled and screamed at by one of their agents, and they refused to remove the account from my credit files. I have never done business with XXXX XXXX, the person who placed this account with Convergent, nor have I done business with XXXX XXXX. This account is 100 % fraudulent and Convergent has refused to cooperate in having this fraudulent account removed from my credit file and continue to attempt to collect on a debt they have been made keenly aware is fraudulent.
Consumer complaint received 2018-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

on XXXX/XXXX/XXXX XXXX XXXX XXXX collection agency put a collection on 3 of my credit bureaus and i have contact them and told them that account does n't belong to me that i never been there but i ca n't proof them that its not my account, because of that my credit is ruined.