davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-06
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: EQUIFAX, INC. (KS)

This is XXXX XXXX contacting you because of an issue with these credit reporting agencies. I contacted the companies on XX/XX/21 and also on XX/XX/21. I've been trying to fix these false issues and i'm being completely ignored. Nobody is trying to help me out and i keep getting either ignored or told to talk to someone else, but nobody is helping me address the issue. These issues are damaging my credit, hurting my reputation and causing me a lot of stress. Please help me get these accounts removed from my credit file.
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (TX)

Good Morning, I am deeply alarmed by this sequence of events. 

I notice on XX/XX/2021 that {$37.00} dollars has been adjusted off my checking account/ spend account. 

I have you call me - the first agent puts me on hold and disconnects. 

I have you call me again - the next agent states her and her supervisor only see adjustment of {$37.00} and escalate and I should have an email in 2 hours about resolution - no email comes I go to login to chime on XX/XX/2021 and it says my account has been closed- you owe me all my money that is in the account if you plan to close it and a justification. 

Luckily I took screen shots of my account before you closed it and did the math - my checking/spend account had {$37.00} you adjusted off on XX/XX/2021 without reason or notice - the savings has {$17.00} - so I expect a total of {$54.00} to be sent to my linked bank account at XXXX XXXX ASAP or paid to me via check - you are not allowed to take my money without notice and justification. 

You also cant say I have been active as I have logged in to use spot me boost multiple months. 

This behavior is unacceptable and a violation of federal banking laws and state banking laws XXXX XXXX
Consumer complaint received 2024-03-25
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, my name is XXXX I was getting payments from the XXXX  for XXXX and XXXX on the XXXX  debit card XXXX XXXX XXXX XXXX. 
I never was able to log in to see the statements. I called so many times and was promised to mail, email, and so forth, but never happened. The card ] was already expired and I called but they were emailing to me the link to login to the card that expired and I couldn't. Then, they tried to mail a new card, which never came, and finally, when it came, it was closed too, since the XXXX\ doesnt have any more business with the Bank. I finally was on the phone with the bank and was writing down the transactions. For the first year, the deposit amount was different of more or around {$6000.00}, that the bank had. The money were gone. Then, I went over the transactions and they were very weird. I got the XXXX statements, for example, to compare and found some transactions were matcha and some the bank had extra, that the XXXX didnt have. I called to bank and the transactions that were mine, told them, that were not mine also told them. 
For the rest of the transactions, I asked to investigate, because some were mine and some were not ( as in the XXXX example ). Also, for 2 months the card was not working in XXXX. The bank was taking a long time and in the end they denied all my claims. I called again,, and sent them a state ment of deposit for XXXX, for example from XXXX, showing the amount, and they still denied it. There was no other way I was left to have. Please, help me to resolve this. 
Thank you very much.
Consumer complaint received 2022-04-27
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX 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 2021-03-30
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: Credit Plus Inc (IL)

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 ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX
Consumer complaint received 2019-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

All three credit bureaus list my XXXX account as ADVERSE.I have made on-time payments to XXXX  for 7 years.XXXX should be listed as a NON-ADVERSE account.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There are 3 listed unauthorized and fraudulent hard inquiries on my Experian credit report and also a fraudulent account from XXXX XXXX that has been disputed for years and also XXXX XXXX.This account was deleted and reappeared recently back on my credit file.I will be filing a legal discrimination lawsuit against Experian. As all the other two credit bureaus have deleted the unauthorized account from my file. Due to covid- 19 I have been unable to pursue this matter and now back to disputing this and having this account from XXXX XXXX deleted permanently from my file. As Experian and all the the other credit bureaus have and had on their files, that I have been a victim of fraud since 2012. My information has been exposed on the Dark Web, on other unknown sites, my identity was compromised, sociopath security number, phone number, past addresses, employer information, banking information and also my name was used to obtain goods spelled in different ways. I am requesting for the account and hard inquiries stated above to be deleted from my credit file. When my file was lock with Experian a unknown individual still was able to obtain an account in my name without my authorization via website. This issue needs to be resolved quickly as Ive been waiting for years. This has caused my credit score to deteriorate and also stop me from doing business with other merchants and bankers.Experian receives documents and denies each one of them every time. This is the only bureau that does this. See Attached below are more documents. 

Hard Inquiries : SM Bus Admin ODA- XXXX, XXXX- XXXX, XXXX XXXX
Consumer complaint received 2019-08-15
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 (NJ)

I am reopening a complained that filed from here because i have not get any clear answer from Bank of America about my claim. 

Few months ago i have experience charges from a link that i have never use or done business with in the past. I called Bank of America and reported and they started the claim but deny it two times because of not reporting on time and according to the bank i have authorized those charges. 

I disagree with the bank response and wrote them a letter to go over with my claim because i did contact them and if they check they Check the last time i was on the phone with them they were still four transaction that were pending. I told customer service not to release anything because i have not unthorized them but they still release the money. 

I am opening this claim again because they have reopen it after i fax them a letter to explain to me how i authorized the charges and what type of merchandise i bought from them and which address did they use to ship goods and services.
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 — Investigation took more than 30 days
Company: COMMUNITY REINVESTMENT FUND (MI)

This company is reporting on my credit report and send me harassing mailers for 2 months now. I have checked with my current and initial services on many occasions and they have advised that they did not sell my loan. Meanwhile this company continues to try to collect. I make my payments to XXXX. I feel there is some kind of fraud at play. This company and XXXX are reporting the same loan on my credit report and this company balance is incorrect.
Consumer complaint received 2021-05-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (TX)

Homebridge took my mortgage loan over in XX/XX/XXXX because I had done so good in 1st year on FHA loan and I received lower interest rate. 

XX/XX/XXXX Called Homebridge to request Forebearance XX/XX/XXXX logged into website on Homebridge to pay monthly loan and showed I owed XXXX and XXXX so I called CS  Rep said Forebearance done incorrectly so paid loan to XXXX and put me properly in Forebearance for XXXX XXXX XX/XX/XXXX Homebridge sent me letter saying they sent Credit Bureau incorrect info and they have fixed it and will take 30 days and apologies that credit was dinged when should not have been. ( attached ) XX/XX/XXXX Forebearance ended Loss Mitigation told me I was approved to pay XX/XX/XXXX at the end of loan, it was deferred. 
XX/XX/XXXX went to pay loan and logged into Homebridge and saw random bank account on my profile ( picture attached ) o Called Homebridge, CS  Rep said this was my fault, I hadnt logged in though since XX/XX/XXXX and at that time that account was not on profile, I tried to explain but agent would not listen to me and just kept repeating this was my fault. 
XX/XX/XXXX called Homebridge and made over the phone payment for XX/XX/XXXX XX/XX/XXXX called Homebridge again to pay XXXX. 
XX/XX/XXXX called Homebridge again to pay XXXX. 
XX/XX/XXXX set up online payment to pay XXXX and showed I didnt owe double mortgage payments XX/XX/XXXX sent info that Freedom Mortgage bought my loan XX/XX/XXXX XXXX XXXX  said to send XX/XX/XXXX and XX/XX/XXXX bank statements to show I paid XXXX and it was not sent back to my checking account XX/XX/XXXX called XXXX and still no answers and said to check back XX/XX/XXXX. 

The entire time I have asked to speak to supervisors and for help and have never heard from a supervisor and have never had anyone truly help me except to blame me for all of this and also being called a XXXX.
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IN)

this debt collector has violated several of my rights under the Fair Debt Collection Practices Act. I have never done business with this company and there is not a contract bearing my signature that i owe this company. This is false and misleading that i owe this company any amount of money which a direct violation under 15 U.S.C 1692e This company has damaged my consumer report by furnishing an account under false pretenses and committed Identity Theft. according to federal law 15 U.S.C1681s-2 '' A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate '' I will be filing a complaint with the attorney general and will pursue litigation
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

What happened is I did a stop payment on a company and they still allowed the company to come back in my account which in return calls me or overdraft fee and when I call they would not return the fee but they say they will return the item because of the stop payment and I feel that it's not right for me to have to pay a {$36.00} overdraft fee because I've already paid for a stop payment.
Consumer complaint received 2020-09-07
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. (CA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. Initial dispute sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2021-03-30
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. (AL)

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account : XXXX XXXX XXXXXXXX and XXXX  XXXX. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Consumer complaint received 2017-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital one changed my due date twice apparently because I changed addresses which makes no sense because my physical location has no bearing on me making payments. They did it once when I updated my address from my brothers house in California to an apartment XXXX miles away and again when I moved XXXX miles to a new apartment in California. Funny part is my date did not change when I updated it to reflect my move from Maryland to California. It was changed from the XXXX of the month to the XXXX in XXXX of XXXX and it then changed again to the XXXX of the month in XXXX XXXX. 

So why change it when I moved within a state less than XXXX miles from location to location yet when I changed states it was not changed. 

Capital one sends me an email if you pay your bill why not send you a notice to ensure you know that your payment date has changed. Also capital one has removed their online messaging system making it so that you have to take time out of your day to call them instead of being able to send a quick secure online message through their system.
Consumer complaint received 2022-10-07
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

I was working with my car company on making a payment and they decided they didnt want to work with me anymore or accept payments so I was told to refinance the car or trade it before its XXXX, so I did and I went and got it approved at XXXX for a trade in and they pick the car up the same night it was approved. Please see attached emails for proof of claim. Without prejudice, UCC 3-603.
Consumer complaint received 2021-12-02
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC (TX)

On XX/XX/XXXX, I received loan number XXXX from XXXX for approximately XXXX XXXX dollars. I did default on this payment due to being laid off, and the account was sold to collections. 

Now, National Credit Adjusters holds the debt, but has falsified information stating that the debt originated in XXXX of XXXX, which is just a blatant lie. I have already reported the inaccurate information to the credit reporting agencies, but they say National Credit Adjusters was able to provide satisfactory evidence that it was opened in XXXX. As I have already verified the loan information with XXXX, the only way NCA would be able to provide adequate evidence that the loan was opened in XXXX would be if they falsified it.
Consumer complaint received 2018-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

The following is a detailed explanation of the matter but in essence, I am requesting that all student loan payments made while in the XXXX XXXX XXXX XXXX XXXX XXXX count towards the Public Service ( 10 year ) Loan Forgiveness ( PSLF ) program I applied for -- as I was instructed it would. 

I began working for the XXXX XXXX XXXX on XX/XX/XXXX. Prior to having my student loan consolidated with XXXX XXXX, it was with XXXX and had consecutively and punctually made all monthly payments to them. 

I learned about the Public Service ( 10 year ) Loan Forgiveness ( PSLF ) program through my eomployer, with the understanding that my prior student loan payments while working for the XXXX XXXX XXXX would qualify towards the 10 year repayment program. 

On XX/XX/XXXX, I successfully faxed the PSLF form to phone number found on page 4 ( of 6 ) on the form ( please find attachment ). 

On XX/XX/XXXX, I received a letter from XXXX XXXX stating that I qualified for the PSLF program ( please find attachment ). 

On XX/XX/XXXX, I received a letter stating that XXXX was servicing my student loans ( please find attachment ). 

On XX/XX/XXXX, I received a letter stating that my repayment schedule had changed. The letter was very confusing because it gave 7 possible reasons why this may have occurred versus being specific so I called XXXX XXXX ( please find attachment ).

This is when I learned that I my student loans were consolidated into a Standard loan and that my 20 prior payments since beginning employment for the XXXX XXXX XXXX was not going to be applied towards to 10 year loan forgiveness program. I asked how I was erroneously placed into a Standard loan when I had successfully applied and qualified for PSLF. The representative could not provide a reason and said I would need to complete the PSLF forms again, which is the same form I successfully submitted on XX/XX/XXXX. 

I still have not been told how or who erroneously submitted my loan into a " standard '' program versus the PSLF program, which is what I applied for. 

Thank you for your attention in this matter, XXXX XXXX
Consumer complaint received 2021-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (TX)

Fraud was reported to bank and ftc. Funds are still being withdrawn from the account ( s ). The account was supposed to he closed the first time i reported the fraud they stated it would yet my direct deposits, as well as purchases not made by me are also being continuously made
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Winklevoss Exchange LLC (OR)

My account was frozen on XX/XX/2024 because my bank account was frozen the day before. I've now resolved that issue but now my Gemini account is still locked with a negative balance. I can fix the negative balance almost immediately with access to the account but I'm locked out. 

Today I got an email to deposit money or sell my crypto to fix it or they'll do it on their own with my funds and do it within 5 % of the open market rate. This will create a tax liability depending on which one they use and the email urges me to fix it but I can't, they locked all controls so I can't do a thing except wait and let the 24 hours pass now even tho they requested me to fix it. 

It's basically a catch XXXX
Consumer complaint received 2021-07-14
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. (DC)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. 

I have been a victim of identity theft fraud. I have no idea of any of these negative accounts. 

I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2019-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have ben with capital one for over 19 years. have 5 cards with capital one. opened up cards in XXXX XXXX 19 years of on time payments. not one payment late ever in 19 years. also my credit report has me reported as 25 years of on time payments. never late once in 25 years. I have been trying for 19 years to get capital one to give me one credit card increase .on just one of my cards let alone 5. I have tried over 8 times in my 19 years. just tried again on XX/XX/XXXX every time it has ben one excuse after another. the last time they told me the economy was bad at the time. I told the super visor. I have ben a retired XXXX  for over 25 years. and the economy does not affect me like a lot of people. she told me the economy affects every one including her hung the phone up on me. on XX/XX/XXXX was sent 5 letters from capital one. I was denied a credit in crease because your average monthly payment is to low .and my finical obligations are to high come on 19 years of not one late payment on 5 cards with capital one. I give up .and just will not stand anymore excuses from capital one. they have treated me like XXXX and pretend to not care abought me or my 19 years of on time payments. I have such longevity on my credit report with the 5 cards if I cancel them out my credit scores will be a mess. I aso have a XXXX credit score right now. and have ben told buy my CFP my scores should be above 800. capital one has kept me from getting my 800 credit scores to stay at XXXX to XXXX because of no credit card increase in 19 years. please help me with this company