davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When recently discovering that my personal information was compromised during the XXXX hack, I was trying to freeze my credit score to prevent any attacks on my personal credit rating. XXXX has offered a fee waiver on freezing my account as of this time, but other unions such as Trans Union are charging to put this freeze into place. And I assume all three companies are going to charge anytime I will need to unfreeze to apply for any type of loan or credit. I find this unacceptable that these institutions are profiting off if consumers trying to protect the only thing that will let them buy a home, or a car, or even get a student loan. Currently, trans Union is even hiding credit freeze information on their website in favor of advertising their own for profit credit monitoring services. So not only are hackers benefiting from getting my personal info, but the people in charge of it, whose negligence put me and millions of other US citizens at risk are profiting.
Consumer complaint received 2017-04-20
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a Heloc with BofA at my personal residence fo r 10 y rs for  XXXX  per month. I never missed a payment. then it was set to reset to a fully amortizing loan and the payment would be  XXXX  per month. I was told I had options o f, 1. p ay it off.  2. s ee if I could re apply for th e Home equity  loan and keep it the same. I did and I was turned down. after 10 years of making payments and never having a late. Then I was told I could apply for a modification but they would not look at it if I was current. so I stopped payments for two months and applied. I was turned down. I then made the payments current and  six mon th later paid it off in full. Now I am trying to get a new loan and I have late payments on my otherwise perfect credit report and I can not get a loan. The ve ry lest BofA c an do is remove them. This all happened in 2016. the late payments are from  X/X/2016
Consumer complaint received 2017-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc. (TX)

XXXX XXXX reported this debt to NCAC XX/XX/XXXX- they keep saying that the debt is verified but it is not. First of all i did not stay in XXXX XXXX XX/XX/XXXX but, they are charging me rent for that month XXXX. They are stating in all I owe them XXXX and I do not. This man at this agency is very rude and he had no intention on finding out the truth. He just wants the money he is a local collector and he is a fraud. Last time I spoke to him he yelled and scream - I started back communicating with the company XX/XX/XXXX. I sent receipts, he stated that they receipts were already applied. That is not true and to be honest I do not think they checked. Its beneficial for him to get the money not to help the consumer. He was willing to settle for half but not willing to do the research.
Consumer complaint received 2021-10-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XXXX, XXXX and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as USAA, XXXX AND ALL COLLECTIONS. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX  XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fl XXXX
Consumer complaint received 2016-08-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (VA)

I made a transfer from my XXXX XXXX XXXX checking account to my HSBC savings account using online banking ( bill pay ) as I have done for years. The {$3000.00} was deposited in my HSBC account and then they took it out charged a fee and sent a check to me marked " refer to maker '' on it. I took that to a XXXX XXXX XXXX branch and they deposited it into my XXXX account. Then a few days later it was taken out of my XXXX account again with a " refer to maker '' error. I again went to XXXX to get information and they put in a request for research. I then had a rep from XXXX contact me and state that they are doing a treasury trace but that HSBC presented the check to the treasury 4 times and that they still had the {$3000.00}. XXXX has been attempting to contact HSBC to get them to research it to no avail as they state the money is with XXXX XXXX XXXX. This has been going on since XX/XX/XXXX and I feel that I have been defrauded out of XXXX since each bank is blaming the other and no one can seem to get my {$3000.00} back into either account.
Consumer complaint received 2017-09-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AMERICAN EXPRESS COMPANY (CA)

I received a mailed letter and then an email from XXXXXXXXXXXX stating that he was an attorney for a law firm called XXXX XXXX XXXX : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ca. XXXX Tel : ( XXXX ) XXXX Fax : ( XXXX ) XXXX They claimed that my credit card, American Express had retained their services to collect a debt but were authorized to negotiate a settlement amount. After a few email exchanges resulting in them threatening a law suit, I started to become suspicious. 

I contacted XXXX, and they indeed had retained an agency to help them collect my debt, but that agency was called XXXX XXXX XXXX XXXX XXXX Their address was the same building as XXXX XXXX XXXX,  but a different suite number. 

When I told XXXX at XXXX XXXX XXXX that I believed that he was illegitimate, he did not respond. So I am bringing this to your attention now. I have attached a transcript of our email exchange. 

- XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (MO)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX recieved a stack of documents disclosing thier " Get Tough Policly '' of how they meticulate thier policy of getting rid of me, slowly. Since the above date XXXX XXXX XXXX XXXXXXXX moved my direct deposit accounts to XXXX XXXX where I have a cash reserve and Secured credit card.
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC (SC)

I began refinancing my home in  XXXX   XXXX . Prior to closing I received a tax bill from  the County  of  XXXX  for the amount of {$10000.00}. I questioned this an d the County ga ve me a corrected bill for {$2900.00}. I called Shellpoint Mortgage Servicing to question whether they would pay the correct amount. They assured me that prior to closing they would check and pay the correct amount of {$2900.00}. During the closing of my refinance  Shellpoint pai d the {$10000.00}. I had to put more money into the closing to make up the negative. On  XX/XX/XXXX   the County  of  XXXX  paid {$10000.00}, check #  XXXX , to  XXXX  Refunds,  XXXX   XXXX   XXXX ,  XXXX   XXXX  TX  XXXX . I began making calls to Shellpoint in  XXXX   XXXX  questioning where the refund is at and was told to call back in a week or so. On  X/XX/XX  I spoke with an  XXXX   (   XXXX   ) a t Shellpoint and also spoke with her supervisor  XXXX   XXXX  (  XXXX  ). I was told that  XXXX  had sent a large sum of money to Shellpoint with no attached loan numbers and that as soon as they, Shellpoint, could attach the funds with the accounts I would receive my refund. It is now  XXXX   XXXX ,  XXXX  and I have not received my refund.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

I checked my credit report XX/XX/year> and noticed unauthorized accounts on my report. I did not apply for this account. I have filed an identity theft report. I also have reached out to the credit bureaus but the account has not been removed from my credit report. It is fraudulent.
Consumer complaint received 2019-10-28
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)

On XX/XX/XXXX a collection agency called XXXX  # XXXX called me at least 5 times a day regarding a {$160.00} charge from XXXX. I went to the XXXX office in XXXX XXXX XXXX Florida Back in XXXX when the charge first showed on my bill. We had paid for an International calling package for the XXXX. Their advertised free talk text and data. This charge is for roaming which should have been included. The XXXX XXXX XXXX office said DO NO PAY. Then it gets sent to a collection agency who will not listen and will not investigate. I do not owe this bill. TransUnion is taking the word of a disreputable collection agency, not the company who charged me the bill. Look at my credit. I have ALWAYS paid my bills for 40 years+ on time. I will not pay a bill no matter how small that is not owed by me. The amount of the charge is now an amazing {$280.00}. There is no talking to this collection agency and XXXX won't do anything now because it was mistakenly sent to collection.
Consumer complaint received 2017-07-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

I never had an account or ever heard of original creditor : XXXX XXXX XXXX XXXX XXXX? <P/>Received a call on XXXX XXXX on X/XX/2017 ( Ph # XXXX ), with someone named XXXX from Midwest Recovery System, she asked me for my personal information at the beginning of call and since I get similar calls like this that are scams, I did not give her any information and told her do not call me again, she stated that she had all my numbers and will send me a letter ( based on that ) I also sent the company a letter in writing not to contact me thinking that this was just another scam. <P/>The week after I checked my credit report and saw that Midwest Recovery System put in a {$5000.00} negative report? <P/>I never received any letters before my request not to contact me from Midwest and never did business with XXXX XXXX XXXX, please help.
Consumer complaint received 2018-03-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2018 me and my wife { XXXX XXXX XXXX & XXXX XXXX XXXX } open an checking account at Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX after three day later XXXX XXXX tried to conduct banking business on Monday XX/XX/2018, XXXX XXXX was then informed by the teller that our checking account was suspended. she { XXXX XXXX } then consulted with XXXX XXXX Assistant Branch manager for further information regarding the account, XXXX XXXX reach out to account recovery department, and they informed her that " XXXX XXXX XXXX have a XXXX XXXX dollars that have been charge off by the bank '' XXXX then informed me { XXXX XXXX XXXX XXXX I then reach out to account recovery and branch manager XXXX XXXX they informed me " we can not give you that information and we can close your account without given any reason 's " Account Recovery Department informed me that " if you removed your self from the checking account XXXX XXXX XXXX can continue to have her checking account " on XX/XX/XXXX XXXX we have received letter by mail stating ; " We have blocked the accounts ( s ) above and will close it soon. We're doing this because of recent activity on the account ( s ), or because you didn't provide information we requested " reason 's  given by the bank was not accurately given. there was no fraudulent activity on the account and we have provided all the information requested, Chase bank is continually refusing to address my concerns first, XXXX XXXX dollars was included in bankruptcy eight years age, secondly, refusing to give reason 's why Chase Bank does not want me on the account. It appears that Chase Bank is engaging unfair discriminatory practices and mistreatment, this is violation of my civil rights Title 18, United States Code, Section 242
Consumer complaint received 2017-07-13
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: CORELOGIC INC (PA)

XX/XX/XXXX XXXX XXXX notified me that my credit report had been adversely impacted. In looking closer at my report, the reason for the negative impact is only due to numerous inquires. I reviewed the inquiries and I noticed that my mortgage company, XXXX, had run XXXX separate inquiries last Fall when I refinanced my primary residence. See below : XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Type : Authorized Permissible Purpose : CREDIT TRANSACTION Requested On : XX/XX/XXXX I reached out to Credco and was informed that they could submit a request of deletion but only under the direction from XXXX. I left a vm with XXXX on XX/XX/XXXX and on XX/XX/XXXX a social media analyst ( contact info below ) called me to obtain some further information. I e-mailed her my complete credit report and the fax number Credco had given to me to provide to XXXX so this could be rectified. XX/XX/XXXX - XXXX called me to inform me that XXXX would not be sending any letter of deletion due to the need to run both hard and soft credit inquiries. I asked for something in writing be sent to my e-mail and she indicated that she could n't grant that request and that it would be a legal issue. I have spoken with XXXX XXXX, as XXXX advised was my next step, and they informed me that all the inquiries are 'hard '. XXXX XXXX also informed me that they could n't delete transactions unless the creditor directed this action. In addition to not authorizing ( not being informed that multiple checks would need to be run and could negatively impact credit ), I feel that any mortgage company that operates under this practice borders on unethical considering a negative credit report can thus tie a consumer to one mortgage company. If there is no regulation on multiple inquiries what is to stop a creditor from damaging a consumer 's credit enough so a consumer can not shop a better rate? <P/>Representative from XXXX : XXXX XXXX Social Media Analyst II, XXXX XXXX XXXX XXXX Office : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
Consumer complaint received 2015-12-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

What you are doing Experian is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and Experian, you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, Experian you are reporting XXXX XXXX XXXX student loans that are more than 10 years old ( from the original delinquency date ) and these accounts are negatively impacting my credit score and decisions of lenders, including the REMARKS IN THE ACOUNTS. 

These are my 2 requests : ( 1 ) Remove XXXX XXXX XXXX student loans from my credit report now ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of XXXX XXXX XXXX XXXX loan accounts ; send the ORIGINAL DELINQUENCY DATES to either my email address on file with ConsumerFinanceGroup.gov or my mailing address on file with ConsumerFinanceGroup.gov or through an electronic online file at your website that I can access. That information is not my right, but if it has been less than 10 years from the original delinquency date, I will withdraw my requests. Those dates are imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you Experian for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you Experian
Consumer complaint received 2017-04-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK (NJ)

Two attempts to get debt validation from collection agency, with no response, got a citation to appear in court on  XXXX   XXXX  at  XXXX   XXXX . Get to the court house after waiting over an hour to be informed that the case was adjorned to  X/XX/17    ... no contact from the collection agency letting me know the case was adjorned. How long do i have to lose work over an account i am trying to find out about, and have no knowledge of? Please assist me in getting some answers.
Consumer complaint received 2017-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (PA)

Please help me understand how the balance for my Navient Loan number  XXXX  increased since the first letter to the Consumer Financial Protection Bureau on  XXXX   XXXX   XXXX .     Date Loan  XXXX  Loan  XXXX  Total  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00} The following are the loans I have through Navient :  XXXX  number :  XXXX  ( subsidized ) *Loan number :  XXXX  ( unsubsidized ) The original principals were {$73000.00} for  XXXX , and {$130000.00} for  XXXX . I consistently made payments to these loans since  XXXX  when I returned from  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  and   XXXX   XXXX  .
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CMI Group, Inc. (TX)

I paid my cable bill with XXXX and they still reported ad 3 months late on my credit report and sent my bill to collections because they said I owed them equipment which I already gave back to them and paid my bill on time however I do not have the bill that XXXX paid but I know I gave them the equipment back and paid my bill. They put on my credit a collection and kept harassing me even though paid my bill.
Consumer complaint received 2022-08-14
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (FL)

I was denied from opening a credit card with chase. Although I have never missed a payment, have over 6 years of average credit and have a 0 balance on over {$10000.00} of available credit. 

My income is over {$100000.00}. Am I being denied because of the zip code i live in?
Consumer complaint received 2023-01-28
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. (IL)

Several attempts have been made to remove non-mailable addresses off my credit report with Experian. Last spoke with an representative XX/XX/XXXX. The only address to remain is my current address. The representative again stated that we can not remove due to an account connected to that address. I no longer live at that address, can not receive mail ; also the account referred to is an old account from XXXX but reappeared in XXXX. 

According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information. Inaccurate information must be removed asap ; these are non-mailable addresses.
Consumer complaint received 2021-04-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.