davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

On XXXX XX/XX/2021, I received a fraud alert on my XXXX XXXX account that someone was trying to add a new credit card to an XXXX XXXX account. I already had the card added to my account and was receiving multiple one-time passcodes from XXXX within the span of 5 minutes. I immediately recognized it as suspicious behavior and looked at my credit card statement. When I looked at my credit card statement, I noticed 3 charges through XXXX that I did not make. I actually have never purchased from my XXXX account, however I do have a XXXX account. 

The charges are as follows : - XXXX XXXX XXXX  XXXX XXXX  for {$44.00} - XXXX XXXX XXXX XXXXXXXX CA for {$43.00} - XXXX XXXX XXXXXXXX XXXX CA  for {$45.00} I immediately called Bank of America ( my card holder ) and alerted them that I was receiving fraudulent one-time passcodes from XXXX XXXX  and that I received 3 fraudulent purchases, all at the same vendor, all around the same amount. Bank of America immediately cancelled my card, issued a new one, and put a hold on my account and issued credits for the fraudulent charges. 

On XXXX XX/XX/2021, I was charged for the fraud dispute on my statement. I had not received any information about my fraud claim and no one contacted me for further information or evidence. I immediately called Bank of America and they informed me that the vendor ( who they could not provide me the name of ) had proof that I had received the " goods. '' They could not provide me with the address they were sent to, what the goods were, or who the vendor was. I explained that I never made these purchases, never received any goods, and could show my XXXX account, XXXX XXXX fraud alerts, etc. They then informed me that there were no notes originally filed in my report and that they never knew about the XXXX XXXX  fraudulent OTP or that they had alerted me to fraudulent activity. Bank of America then opened up a complaint on my behalf since they did not do any investigating and didn't record my original notes. The complain number is # XXXX. 

Today, on XXXX XX/XX/2021, I received a letter that my re-opened claim was again denied based on the original information that the unknown vendor. They continue to not provide me with information from the " vendor '' on why they are denying my claim.
Consumer complaint received 2021-08-16
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.
Consumer complaint received 2021-04-02
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXXXX/XX/XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Orig Cred : XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX
Consumer complaint received 2017-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I am a XXXX military veteran, I have been making my regular payment as scheduled, but lately I noticed my balance keeps going up, not down. Sometimessage double to near triple the previous month. 
At this rate, I will never be able to pay it off. 
I call Navient, the agent clearly lied and told me, no increases was made. I checked twice, this mo th alone and it went up twice. On there website. My balance increas ed by about {$1500.00}. In the last 45 days. 
This is clearly wrong, and illegal. I will contact a lawyer, if necessary. 
I notice others are now complaining of the same thing happening to them, All veteran 's. 
This is disgraceful and unbelievable that any government agency would do this. 
I will fallow through with legal action, if necessary. 
I am a taxpayer, law biding citizen, I will not be a victim.
Consumer complaint received 2020-11-16
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. (CA)

I was the victim of identity theft, which resulted in some accounts being opened in my name by fraud. I have filed the attached FTC Report, and I also reported the issue to the companies where the accounts were opened. I am seeking your assistance to please remove the following accounts which were opened by fraud as per FCRA Section 605B ( a )
Consumer complaint received 2019-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

Penny Mac home loans has mismanaged my escrow account. I spoke with them over a week ago about my insurance being paid. I paid it myself since I had changed companies. They told me I would be reimbursed for the amount that they had escrowed insurance and would no longer charge me the monthly escrow for insurance. They did not do that and do not have the funds that they collected anymore. PennyMac claims that they have sent this to my insurance company, however XXXX  XXXX confirmed that they have not. I called PennyMac to be refunded for the money that I gave them and they will not refund it, and also will not stop collecting money from me for escrow even though it is unnecessary. I spoke with a woman named XXXX who told me her extension is XXXX however when I tried to call back to speak with her again about insurance saying they had not received the money from PennyMac, I was told that that is not enough information to find someone. I spoke with five different people at PennyMac none of them seem to know where my escrow money is and I'll have told me that they will not be refunding me anything. I also spoke to them about my escrow for taxes since they have the wrong amount for that. again, they have said they will not refund me for the extra money that they have collected from me. I would like to stop escrow with PennyMac so that I can pay the correct amount of my bills on my own, however PennyMac refuses to stop charging me for escrow and can not seem to tell me where my escrow money is.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

My account has been closed by Wells Fargo with no further explanation other than the bank has the right to end the relationship with you. I am trying to get further information as to why an account with XXXX and activity as of XX/XX/XXXX  was closed. Im concerned that my identity was stolen so I would like more information from the bank as to why the business relationship was ended.
Consumer complaint received 2023-01-11
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-09-17
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. (FL)

I obtain a copy of my credit report from Experian and notice inaccurate and incorrect information. 
Some of my personal information is incorrect and needs to be removed. 
I have companies reporting duplicate accounts with the same information. 
I know this can be investigated
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

i have disputed these items and i havent received any documents or results from their investigation and it has been more than 60 days. the only information received was that they verified the bankruptcy with the court and thats a lie. i submitted the court letter i received from court and i still didnt get the items deleted.
Consumer complaint received 2019-11-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

MyLoanCare held our mortgage loan since we purchased our home over five years ago. We noticed this weekend our mortgage for the past two months had not been deducting. We contacted MyLoanCare only to be told that XX/XX/2019 ( 2 days before our mortgage was set to auto pay ) they transferred our loan to a company called XXXX without notifying us of any changes. This put us two months PAST DUE.  How is it possible that these companies can make these changes with no phone call, no email, nothing? Seems remarkably fishy.
Consumer complaint received 2023-01-11
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. (FL)

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be corrected or discarded. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-12
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. (VA)

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (CA)

On XX/XX/19 in the amount of {$4000.00} was taken from my checking account after the loan with Lakview was paid in full, due to a refinance through another company. 

Lakeview Ln Srv Mtg Pymt XXXX XXXX XXXX XXXX XXXX {$4000.00} I have since tried calling them numerous times and have also emailed them asking for my money back. I was since laid off inXX/XX/2019and need my money back asap so that I can keep up with my new mortgage payment. The account was closed and paid in full, and I do not understand why the amount was ever even taken in the first place! They have said a check was sent out, when it wasn't. Then asked me if the amount was included in the escrow closing amount, and it wasn't. I had to wait a month to have a new check reissued and they again would not send it with a tracking number. This has now been almost 3 months!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX  Ba Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXXXXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX
Consumer complaint received 2017-09-17
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. (NC)

This complaint is a follow up to complaint XXXX filed XX/XX/2017.
I disagree with the findings of verification stated by the CRAs and the complaint previously brought against the companies has not been satisfied with proof these accounts were validated now removed from my account. Accounts unvalidated were removed from my report by Transunion and I have enclosed the findings of the dispute with this complaint. 

On X/XX/2017 I requested the CRA to furnish : 1. Agreement with the creditor that authorized the CA to collect on the alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I requested the CRA to provide me with a validation of the debt as listed on the attached correspondence. Please note, this was not a refusal to pay, rather a statement that the CA or creditors claim was disputed and validation was demanded. ( 15 USC 1692g Sec. 809 ( b ) ). The CA or the creditor met my request for information and at this time are knowingly reporting information that is inaccurate. By the provisions of the Fair Credit Reporting Act, I demand that these items be removed immediately from my report.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (UT)

American Express is reporting an erroneous late on my credit file. I have been working on my credit and American Express keeps verifying these lates. I opened up this account back in XXXX and was always current, never had any lates and was very happy with the customer service and loved being a long time customer. I however, had to close some accounts back in XXXX and this was one of them. I closed the account and settled the debt that the card had and told them to please give me a call if there were any complications. I never received a call, and I figured the account would just report as closed and paid. However, almost 7 years later there was a {$4.00} fee on that card for something that I was not aware about. I didn't even know that this account could be charged anymore. I didn't receive any notifications, calls, emails regarding this and it made me late on the account. Had I known a {$4.00} balance was on the card, I would have paid that immediately to avoid all those lates. I still have no idea where those {$4.00} came from or why I was never told that this card was used after I had closed it and paid it. I ask that American Express removes the late payments off my credit fie. It's a little ridiculous to think I could have paid {$4.00} and this could have been avoided.
Consumer complaint received 2019-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC (NY)

On XX/XX/2019 Reliant Capital Solutions sent a collections notice. A validation of debt notice was sent and received by Reliant. 
Tracking number XXXX Delivered XX/XX/XXXX, XXXX XXXX , OH So Reliant received my dispute in XXXX. Today XX/XX/2019 Reliant posted this account to my credit score.
Consumer complaint received 2019-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
Consumer complaint received 2020-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Chase has a rewards program. I used my points to purchase a ticket through Chase Rewards and the flight was cancelled. 

Per the US Department of Transportation, i am entitled to a refund. 
https : //www.transportation.gov/individuals/aviation-consumer-protection/refunds " Cancelled Flight A passenger is entitled to a refund if the airline cancelled a flight, regardless of the reason, and the passenger chooses not to travel. '' I have been working with Chase for over 1 month and they are saying they can't give me a refund because the airline is not approving them to do so. However, they won't let me talk to the airline either.
Consumer complaint received 2021-08-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

In XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX I XXXX XXXX via written communication to Portfolio Recovery Associates LLC regarding three accounts that were opened in my name without my authorization. I an an Honorably discharges XXXX XXXX XXXX, and I was homeless for 4 years during the time that these accounts were opened. I have been contacting Portfolio Recovery Associates LLC to show me proof that I opened these accounts, but to no avail.They also have not seen fit to remove these accounts from my credit report. This has resulted in extreme difficulty for me to get back on my feet and also to obtain the resources necessary to take care of my XXXX children. 

Portfolio Recovery Associates LLC are aware and have made me aware that the statute of limitations on the accounts have expired, Portfolio Recovery Associates LLC have not made any attempts to remove these items from my credit report. 

The accounts in question are as follows : XXXX XXXX XXXX ( XXXX ) XXXX. amount of {$2200.00} XXXX XXXXXXXX XXXX ( XXXX ) XXXX. amount of {$5100.00} XXXX XXXX amount of {$3500.00} I have never had any issues with my credit and I have traveled the world with the XXXX XXXX for over 10 years with no issues regarding such. I pray that The CFPB can assist me in getting this matter resolved without prejudice.