davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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. (IL)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX : {$1700.00}
Consumer complaint received 2019-10-30
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. (TX)

I've called Equifax numerous times about inquires that I didn't authorize. The Credit bureau continues to state I need to contact the consumer ( s ) and speak to them I have recently spoken to XXXX ( XXXX ) which stated the exact same thing. Equifax stated my dispute results will remain online for 30 days but I'm unable to see them. 
My Equifax credit report dispute confirmation number is XXXX. 

I have submitted various documents to them stating these Inquires aren't mine, yet they remain on my report. I have provided them with police reports stating fraud. Still, no changes have been made. I'm requesting they remove all inquiries off my report immediately which is hindering me from acquiring a few life goals.
Consumer complaint received 2023-01-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-27
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: MERCANTILE ADJUSTMENT BUREAU, LLC (OH)

i pulled my reports and noticed i have multiple name spelling and social security numbers and inquiries that i am unaware of. listed below are those items and i was unable to get a copy of my XXXX  report. the addresses listed below i have never lied at maybe a relatives address yet not mines. I am in distress because i never used my credit before nor have i had any bills or debt in my name. These accounts and addresses and social security numbers that are not mines are listed below. 
MERCANTILE ADJMNT BUR XXXX XXXX  SOCIAL SECURITY NUMBER ENDING IN XXXX MULTIPLE NAME SPELLINGS/TELEPHONE NUMBERS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX ID XXXX XXXX ON XXXX  REPORT IS UNKNOWN XXXX XXXX XXXX XXXX IS MY UNCLE WHO IS DECEASED I DONT KNOW WHY HE IS LISTED ON MY XXXX  REPORT
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (CA)

I have a credit card with Elan Financial. But every time is Elan Financial calculates Reward Point " willfully '' wrong and also, it does not allow me ( other consumers similarly situated ) to redeem Correct Reward Points on-time. There is always a story, Not XXXX, Not XXXX and story goes on ... ... ... ... ... ... ... ... ... ... ... .. Elan Financial is engaged in massive consumer fraud. Once I get reward points, I plan to close this card. Operators are racially abusive and discriminatory. This is not the first time I complained about Elan, this is the third time with no resolution.
Consumer complaint received 2020-05-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (SC)

To date I have received at least 10 calls on my cell phone from HRRG Collections which XXXX says collects medical debts. I do not have any medical debt and nor do I owe anyone for anything. They mask the calls to look like local calls and all the messages say do not delete this message and please call XXXX. XXXX says this is a company that used questionable tactics and do not contact them. They will harass you and increase the money they say you owe. I reported this twice to the XXXX Fraud Hotline and temporarily the calls stopped but always seem to start again. I always enter the number and block it on my cell phone but they change the number they are calling from and call again. 

I want these calls to stop
Consumer complaint received 2020-05-07
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. (TX)

The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

When I signed the Privacy Act form, the XXXX loans on my credit report are in violation of the XXXX Privacy Act. The XXXX XXXX Rights and Privacy Act ( XXXX ) is a XXXX law enacted in XXXX that protects the privacy of XXXX XXXX records. XXXX applies to any public or private XXXX, XXXX, or XXXX XXXX. 20 USC 1232g ( b ). The XXXX loans should not be reported on my credit reports by Equifax, XXXX, or XXXX. They should be removed asap as this has hindered me from getting countless approvals for credit cards. 

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each XXXX institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a XXXX institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX institution and the XXXX XXXX agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ), whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A XXXX institution may not disclose nonpublic personal information to a nonaffiliated XXXX  party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX  of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of XXXX XXXX XXXX which antedates the report by more than XXXX years. ''
Consumer complaint received 2017-08-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BBVA FINANCIAL CORPORATION (AR)

My car was totaled in an accident XXXX XXXX, 2017. My insurance company sent Compass Bank a payoff amount greater than the loan payoff. The XX/XX/XXXX payment was not yet due and the payoff amount was accepted prior to XX/XX/XXXX payment being due and payable. I made all payments through XXXX 2017.  Compass mailed me a check for {$220.00} which is the difference between the payoff amount and the overpayment by the insurance company. However, Compass Bank still needs to reverse the XX/XX/XXXX payment or mail me a check for that payment. Compass in their schedule of payments received shows XX/XX/XXXX payment to be reversed, but the reversal was never made to my bank account. I have sent several e-mails to the total loss department without any response. I have tried calling the total loss department numerous times but can never get a hold of anyone. I am feeling totally taken advantage of here.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (WA)

NCB management services reporting my account is open after it was discharged in bankruptcy, and it showing a late payment every month as this account is closed and I have disputed it and nothing has happened and I contacted the company and they say they have a right to report it as that and I dont understand how as of every other account that was discharged in my bankruptcy has been removed from my credit report as it has a zero balance
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In XXXX of 2020 I called Bank of America to discuss the mortgage deferment program due to Covid-19. I was told that I was allowed to skip 3 payments and it would be added to the back of my loan. To the best of my knowledge I skipped my XXXX, XXXX & XXXX payments. On XX/XX/XXXX, I called up bank of America to let them know that I wanted to exit the program and continue regular scheduled payments. For some reason they collected half a payment from me on XX/XX/XXXX, then they collected the other half of the payment on XX/XX/XXXX and advised me that was for my XX/XX/XXXX payment. Then on XX/XX/XXXX another payment was made and I was advised this was for my XX/XX/XXXX payment. On XX/XX/XXXX another full payment was made, according to my math three full payments were made after I requested to end the forbearance period. I am currently trying to refinance with another lender and they are telling me according to my Bank of America current mortgage statement that it is showing that I have not made a payment since XX/XX/XXXX, which is clearly untrue based on the above events. Also, my current mortgage statement shows that I owe over {$14000.00} to Bank of America to come current with my payments. I tried calling them repeatedly over the past 2 days spoke to over a dozen customer service reps and demanded multiple times to speak to a manager, which my request was never honored.
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I received a Home Affordable Modification from my prior servicer, XXXX XXXX   XXXX XXXX back in XXXX of XXXX. In the agreement, Recital 3 ( c ) of modification agreement, the total deferment amount of {$38000.00} would be waived in 3rd 's on each anniversary of modification XX/XX/XXXX provided that I maintain a current status. The waiver breakdown is as follows ; XXXX XXXX ( completed by XXXX ) XXXX XXXX ( completed by XXXX ) XXXX XXXX ( not completed by SLS ) I never missed a payment. My prior servicer followed through on 2 of the 3 waivers prior to the transfer to my new servicer, Specialized Loan Servicing. My last waiver should have taken place on XX/XX/XXXX in the amount of XXXX however ; my new servicer has failed to acknowledge or address my concern. I have sent another request to the customer correspondence department however has not received a response. This issue has prevented me from refinancing my home and has caused huge delays and costs.
Consumer complaint received 2017-10-19
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have several credit inquiries for the same day and I only signed for one application in the same day. I need to delete the rest of them because they were not made without my knowledge. 
Ex : XX/XX/XXXX - I have XXXX Inquiries XX/XX/XXXX - I have XXXX XX/XX/XXXX - I have XXXX and the list goes on. 
Please I need your help on this matter which is impacting my credit negatively.
Consumer complaint received 2023-01-30
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (AL)

My personal information was stolen an change in XXXX XXXX causing my personal information be incorrect so I can't uptain my personal asset someone change my identity to calming power of attorney over my asset I never requested a power of attorney over my asset
Consumer complaint received 2019-10-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (FL)

XX/XX/XXXX I went to a XXXX to buy a prepaid card and I brought a Netspend card when I was trying to active the card they asked me to sent them an email with a picture of my ID, my social security and a picture of something to prove my address I sent one email with 3 pictures and they told me to call back after 6 business hours so on XX/XX/XXXX I called back they told me they received the email but they only received my proof of address I explained that it was 1 email with all 3 documents they said they only received one I said okay I want a refund they asked me how much was they money I said {$240.00} they said they gon na start the refund and I should receive a check on my name on XX/XX/XXXX, 10 days. On XX/XX/XXXX I didnt receive the money I called them again complaining the person I was talking to said thats impossible they gave me a wrong date because I called on XX/XX/XXXX, I said no and explained everything she told me Im gon na have to wait till XX/XX/XXXX which was yesterday. XX/XX/XXXX I didnt receive the check I was like okay Ill give them one more day and at XXXX on XX/XX/XXXX I went to my mailbox nothing came so I called and they are asking me to wait another 5 days. This is going to far money only takes 7 business days and I agreed to the 10 days they told me to wait, then another 5 but now they are asking for another 5 money doesnt take 20 days to process.
Consumer complaint received 2017-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I make a deposit of two checks of {$430.00} making a total of {$860.00} on XX/XX/XXXX the system make part of that money available in my account, which I use the same day to pay my credit cards and others payments, even that there was an amount of money left in my account. Just a few day later on XX/XX/XXXX, I check my account and that money was removed from my account and charge me with an overdraft fee for each transaction I did when that money still in my account, that is a moved I find very unfair. even I have set up the overdraft protection. I contacted Bank of America by phone and they do n't want to remove the charges and tell me the money is going to be available by XX/XX/XXXX. but they are going to keep the money.
Consumer complaint received 2020-09-21
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: JPMORGAN CHASE & CO. (MO)

On XX/XX/2020 I received an email from JP Morgan Chase & Co. ( Chase ) that claimed I owed a statement balance of {$48.00} on an account ending in XXXX. 

However, this account had been closed on or about XX/XX/2020. There should have been no charges placed on that account after it was closed. 

I immediately contacted the Chase Fraud Department by telephone and told them this charge was not valid because the account had been closed a minimum of 2 months. That representative stated a fraud investigation would be initiated and that I would not be responsible for that unauthorized charge. Chase did not offer a credible reason for why Chase had processed a charge on a closed account. 

Several hours later I received another email, from Chase Fraud Protection services. This email stated that they closed the XXXX account. This can not be accurate if the account was closed on XX/XX/XXXX XXXX which the first representative I telephoned confirmed ). You can not close an account that is already closed. 

On XX/XX/2020 I accessed my old online account only to find that Chase has another account in my name ending in XXXX. In its response to CPPB, which I received on XX/XX/2020 Chase states it was their procedure to replace the account number when a fraud claim is filed. Unfortunately, Chase does not address the issue of my request to open no accounts in my name. 

Chase claims that the charge on XX/XX/2020, made after the account was closed on XX/XX/2020 was justified because there was an Amazon order on XX/XX/2020 ( when the account had not been closed ) corresponding to the XXXX XXXX charge. However, new evidence has come to light which shows there were a total of 5 charges from the same merchant ( Amazon ) ; three on XX/XX/XXXX, one on XX/XX/XXXX and one on XX/XX/2020. Chase declined all of these charges EXCEPT the XX/XX/XXXX charge which is the transaction in question. Chase offers no explanation for why the XX/XX/2020 charge was approved when four other charges made in the same general time period and from the same merchant were declined. Indeed, Chase disingenuously makes no mention of these other four charges although they know or should know of their existence the inconsistency of Chases position.

The obvious discrepancy in how Chase treated this transaction compared to essentially identical transactions raises serious red flags. Chase has been deceptive and uncooperative in this matter and this necessarily magnifies the concerns with their conduct in this matter. 

Therefore, I request your agency carefully consider the foregoing in its stated mission of the examination of companies and enforcement of the consumer financial protection laws.
Consumer complaint received 2017-10-19
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: Conn's, Inc. (TX)

INACCURATE INFOMATION ON CREDIT REPORT SO I SENT IN A POLICE REPORT THE BREACH TOTALLY XXXX  MY ACCOUNTS UP NOT REPORTING XXXX STATED BY LAW
Consumer complaint received 2021-04-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

This is now my fifth complaint about BOA and I will not stop until my unemployment benefits are given to me. Ive had to claim this income that I never received on my taxes so Ill be XXXX  if Im not going to actually receive it. This is why there are numerous lawsuits against BOA for doing a horrific job at protecting our unemployment benefits from fraudsters. Again, I never received my card when I applied so I assumed I was not approved. Months later is when I saw the emails in my spam folder that I was approved. I contacted md unemployment and had to go through a ton of hoops to verify my identity. Which I did. I then alerted BOA. A claim was submitted for XXXX. I was told numerous times Id receive my provisional credits within days. It never happened. Ive filed multiple complaints about boa and have recently been contacted about joining a class action law suit against boa for not handling our benefits accordingly. At XXXX time I was very loud on BOA XXXX page and have many people following my story. I wont even get into the horrific events that occurred in my life because of boa negligence because its all been said before and no one cares. Boa are liars and cheaters. Just like the handling of these complaints. Ill receive a professional looking emailing stating its so and so and they will now be my point of contact and to get in touch within so many days. However they never respond to the phone calls or emails. Im convinced the names signed on the email are not even actual people. Boa has hurt so many American citizens throughout this pandemic and need to be held responsible for the lives theyve ruined, and the lives taken because people were at their end due to boa negligence. I was told several times that my claim was approved and id receive the funds then I never do. I dont know where theyve sent any correspondence bc Ive yet to receive anything from them. Which isnt surprising beings they sent my card to a completely wrong address.