davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Date of fraud was XX/XX/2021. Total amount of money lost : {$210.00}. The issue in question was a fraudulent transaction that took place on XX/XX/2021. The fraud involved money being withdrawn from my Bank of America ( BOA ) account and transferred to another account via XXXX without my authorization. I reached out to BOA and spoke with a rep. whom transferred me to the fraud department, after back and forth for two weeks I called again to only be told there is nothing they can do, they advised me to call my phone carrier to prove to them it is fraud. If they know where the money was transferred to why can't they just reverse the charges I did not approve. I contacted sprint my mobile carrier and their response was " this is beyond our capability and it is the bank 's issue and I needed to contact thier fraud dept. which I have and didn't get anything resolved. However, Bank of America has declined to refund me for these claims, account was accessed without my authorization
Consumer complaint received 2021-09-04
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. (NC)

You are in direct violation of hippa laws and I ask for immediate removal of any medical bill on my credit report immediately! I request the removal or with use my legal rights and attorney to file a lawsuit against your agency! Any medical bill on any of my three credit reporting agencies ( XXXX  ) ( XXXX XXXX XXXX ) those are the companies reporting medical bills violations of hippa laws!
Consumer complaint received 2021-09-04
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. (NC)

You are in direct violation of hippa laws and I ask for immediate removal of any medical bill on my credit report immediately! I request the removal or with use my legal rights and attorney to file a lawsuit against your agency! Any medical bill on any of my three credit reporting agencies ( XXXX  ) ( XXXX XXXX XXXX ) those are the companies reporting medical bills violations of hippa laws!
Consumer complaint received 2018-01-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am new to united states and last year in XXXX I was assigned with my residency, work authorization and social security cards. I was educated as I have to built my credit I always stayed very low and alert on credit applications. I had a credit card issued by my spouse as a shared card initially so I can start my credit reporting but unfortunately that did not help. Hence I applied with verve & surge ( XXXX XXXX XXXX XXXX ) credit cards as they assist with low limits unsecured and report to all credit bureaus. I was approved and started using the cards and making on-time payments. Also XXXX XXXX and XXXX XXXX offered me unsecured credit cards and I accepted them. 
Since then I had been trying to access my credit reports on -line with these bureaus ( Transunion / XXXX & XXXX ), they always stated that they were unable to verify my identity as I am very new. Never received any supportive assistance. 
Then i registered with XXXX XXXX / XXXX XXXX XXXX XXXX XXXX  so that i can keep checking where i was with my credit score. 
Suddenly i started receiving credit alerts from card companies, personal loan companies & auto finance companies. These alerts were hard inquiries on my report without my authorization. 
So i called Transunion / XXXX & XXXX and i asked them to do something about it, again the response was very lame from all the three organizations because they were not able to verify me due to new social security number. Hence i asked them to place a security freeze on my file which i read on the annual credit reporting website. 
The dilemma still did not stop as several inquires were initiated and i kept on getting alerts for the same and finally my score kept going down. 
I raised several disputes with Transunion as XXXX & XXXX  always said that they can not verify any information for me. 
I seek your assistance for the same as this is affecting my current situation as now i am full time employed with a reputed financial institution as a Branch Banker and am looking to get a Auto - Loan and i do n't want any such discrepancies affect my purchasing power. 
I have somehow experienced identity Theft too as i keep on receiving several calls from Auto Loan collections agencies asking installment amount on my XXXX XXXX XXXX / Student loan  payment. I do n't have any such credits and these calls keep on asking for money. 
I seek your assistance to resolve the same as i tried my best but had no response. Probably if this goes from your organization i am sure they would all wake up and start working on my request and save me from the Fraud inquires.
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: ID Analytics, Inc. (CA)

I received a letter of denial after applying for an XXXX XXXX XXXX account through XXXX XXXX Bank, whom I already have 2 other cards with. The letter indicates their decision is based on information from a company called SAGESTREAM , LLC and this company indicates my credit score is  XXXX ( on a scale of XXXX?! ). I monitor my credit score closely and there is a big discrepancy with the information this supposed " credit bureau '' is reporting to creditors, compared to the credit score i maintain with the 3 major credit bureaus. I am concerned that this company, XXXX, is fraudulent and/or the letter of denial in whole is a scam to obtain my personal information. Additionally, I work in the finance industry, in collections, and in the 5 years I 've been employed by a credit reporting agency, I have never heard of this supposed credit bureau, SAGESTREAM.
Consumer complaint received 2023-02-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (VA)

Initially I called into Sallie Mae to get options on lowering the payment because it was not affordable due to my son not working for a long while and just landing a part time. Currently I am on medical. It was maybe toward the end of XX/XX/2023 I asked about lowering the interest rate and anything else that could be done. The rep told me about the interest only for 6 months but would need a payment that same day which I was not able to make. I advised to think on and would call back, she claims would document the conversation. 

On XXXX XXXX XXXX I reached out to Sallie Mae since I am the co-borrower and making monthly payments out of my account on behalf of borrower. The representative was difficult to hear because of the poor connection. She proceeded to re-read and continue with her script after I advised her numerous times I couldn't hear. I also asked about a loan modification and she evaded the question and proceeded with reading the script and continuing with the call. It was the most XXXX process in trying to secure a lower monthly payment. It was not fairly positioned nor was I given the opportunity to learn about a modification before being placed into this short term band-aid. Finally I spoke with a supervisor and all she could do is apologize and transfer me directly to the loan modification team. The representative went through the process of asking me questions, putting me on hold. I don't understand why my credit has to be pulled when asking for a loan modification on behalf of my son who is barely making enough to cover any of his own expenses. He is the borrower and his credit and income should be the main consideration for a modification. It is humiliating enough to have to make these phone calls and then get placed into the wrong products. We want to pay what is owed but not for 6 months then back at the drawing board where Sallie Mae is trying to further gouge the private loan customers because the federal loan products are being forgiven. 

Thank you for your time.
Consumer complaint received 2019-02-22
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX has a late payment reporting in XX/XX/2019 on my credit file that is not correct and i have been trying to get them to make it right but they refuse stating that it is accurate for acct # XXXX.
Consumer complaint received 2017-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (TX)

My husband passed away on XXXX XXXX XXXX. He was on Social security XXXX and XXXX from former employer XXXX XXXX since XXXX XXXX and in a wheelchair. I am XXXX years old and am on social security. We have separate bank accounts at Chase bank. He did not use my account to pay bills. On XXXX XXXX I discovered that a levy had been put on my account by XXXX XXXX XXXX for a debt that my husband had in XXXX which I had no knowledge of until my husband XXXX. Judgement was put on XXXX by XXXX XXXX XXXX. Can they levy my account when it is not my debt and my name is not on the account. I contacted the XXXX XXXX XXXX to ask why they put a levy on my account and their lawyer, XXXX XXXX told me to get an attorney. The bank is holding my funds and has cancelled my debit card so I ca n't get any money to live on. I had no knowledge of the old debt that was in my deseased husbands name. I do n't know what to do as I ca n't afford an attorney and I am still under a XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. We have been on XXXX and social security scince XXXX. Please let me know if you need more information. I was told by the bank that I should have given them a XXXX certificate and taken his name off the account. I did not know this and did not get death certificate from state until last week before his military XXXX. I hope this information helps some else. You always think your money is safe in a bank. If debt collectors can.t harass you by phone or in person you why are they allowed to order bank to freeze your account? I have never been notified by XXXX XXXX XXXX about any of this. It is not on any credit report from any agency.
Consumer complaint received 2019-02-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

was contacted by Rushmore Loan service. regarding modification or short sale. 
XXXX XXXX XXXX and XXXX XXXX reached an agreement with the Department of Justice ( DOJ ) to address actions and practices relating to residential backed mortgages. 
when we contact Rushmore Loan Services, we were told to contact XXXX XXXX XXXX who never responds to out faxes, phone calls or emails. we have several good offers with cash buyers and pre-approved. we have submitted the short sale package with no response from the servicer.
Consumer complaint received 2018-02-17
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: TD BANK US HOLDING COMPANY (MI)

XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXXr Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank
Consumer complaint received 2021-09-03
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 — Investigation took more than 30 days
Company: Central Portfolio Control Inc. (LA)

CENTRAL PORTFOLIO CONT Has an account on credit file that isnt mine. I have never had any dealings with this company and this fraudulent account is a violation of the FCRPA for a multitude of reasons. Ill start with identity thief I never gave this company access to my information yet they have it. Next they havent validated the debt that they put on my credit report which is Detrimental to my Financial well-being. I repeat I havent had dealings with this company and Ill be sending a consumer damages invoice.
Consumer complaint received 2019-06-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation (NY)

I have tried for several years to refinance my mortgage loan with PHH. There is an average wait time of 10 mins to get an actual person on the line. Then the after repeatedly being put on hold, I would usually just hang up after 30 mins. There is ALWAYS a " greater than average hold time because of increased volume ''. How can that be? No matter what the time of day! 
So finally I refinanced away. I'm in NY state, so I'm looking to take advantage of XXXX to avoid having to re-pay mortgage tax. Thus I simply need to have PHH assign the mortgage to the new lender so they can file a XXXX and associated fees. 
My new bank 's attorney has done hundreds of these, and tells me PHH is the only firm that can not seem to understand this process. They need an attorney contact to work with and the process handled quickly. The attorney was first told that the client needs to request. I've now had three 35mins+ phonecalls where I'm repeatedly put on hold and they clearly have no idea what an assignment is, nor what XXXX is ( fyi you can XXXX  it ). They told me to fax a letter to their legal department and someone would respond within 48hours. No response. I sent email to the customer service department to follow up. No response. Now they want me to file an inquiry with research department and they will respond within 30 days. I give up! I will need to just pay the tax just to get away from this awful company. Their customer service is worse than XXXX or XXXX ... and that's saying something!
Consumer complaint received 2019-02-22
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Higher Level Processing (NY)

Since XX/XX/XXXX Higher level processing has been taking {$20.00} each month for payments that were supposed to be going to XXXX XXXX XXXX, saying that it was going to be going towards my loan forgiveness but that I'd be paying XXXX because of my financial difficulties. They took fees of XXXX out of my bank account from the months XX/XX/XXXX. They said the processing fee was {$590.00} and the monthly maintenance fee was {$19.00}. The " advisor 's '' name is XXXX XXXX.
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I had a checking account at BOA, and my balance was XXXX approx. I had stopped using the account and it sat there unused. The bank started charging a fee for what I understand was lack of use when it was supposed to be free checking ( by the way it was 4-6 years ago. ) from what I can surmise when the XXXX ran out the bank started drawing from a credit line they charged XXXX and paid it to the account then took XXXX per month to pay themselves until it was gone then charged another XXXX put it in the account and proceeded to do the same thing XXXX per month I believe they did this 4 times until I happened to check my credit and realized this was happening and quickly closed the account. how does the bank justify taking money from my credit line, that they are making money on to pay them selves for lack of use on my account,? making interest on money they are paying them selves and charging me? 
got ta be something wrong here hope this is clear
Consumer complaint received 2021-01-22
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 {$0.00}, {$1500.00}, {$480.00}.

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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account.
Consumer complaint received 2020-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc. (NJ)

I have never received and verified information regarding my account. I have never received any type of written documentation about this account or any type of bill for this amount due. I would not jeopardize my credit file for a XXXX dollar account. At no time have I received anything from the original creditor or the collection agency. If the debt is mine I thought by law they in fact have to prove it is mine.
Consumer complaint received 2019-02-22
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: Debt Recovery Solutions, LLC (FL)

I'VE SENT NUMEROUS OF POLICE REPORTS OF MY IDENTITY THEFT REPORT AND THE CREDIT BUREAUS REFUSE TO CORRECT THE INFORMATION ON MY REPORT AND IT WAS NOT ME THAT DID THESE FRAUDULENT TRANSACTIONS ON MY REPORT.
Consumer complaint received 2019-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This company and I have been going back and forth for years and we can not get it together I was a victim of identity theft.This account was opened up in a state I never lived.And also a address I have never been associated With.I opened a dispute this this company and nothing happened so we came up with a agreement That I would pay XXXX dollars to settle this debt so we can move forward I still told them I did not agree the debt was mines.In return I was told by them that this account would be deleted from my credit file.That was almost 2 months ago and nothing has changed on my XXXX Credit file.I want to get this behind me As soon as possible.
Consumer complaint received 2017-09-11
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: EQUIFAX, INC. (WA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SCA Collections, Inc. (NC)

I have an account with SCA Collections showing on my credit report with XXXX ( from XXXX XXXX ) in the amount of {$33.00}. The account was paid in full on XX/XX/2019 and I spoke with XXXX at SCA,  who assured me a letter of payment and deletion would be sent to both XXXX and myself. As of XX/XX/2019, I have not received a letter and I verified with XXXX they have not either. XXXX indicated they update in live time and SCA has not sent it. However, SCA claims they sent it on XX/XX/19. Again, the account was paid in full, {$0.00} balance and SCA advised this would be removed from all credit reporting bureaus, with no further adverse affects. I need this taken care of as I am trying to clean up my credit report.