davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Back in 2010 when I was a XXXX in college, I opened an account with Bank of America. They closed my account in less then a week due to what they claimed suspected fraudulent activity. I called the bank to find out what happened and no one could give me a clear answer. They told me the account was closed and that was it. A few month ago ( 5 years later ) I tried to open a new Bank of America checking account, they refused me but the teller could n't tell me why so I had to wait to speak to a banker. When I finally sat down with a banker they told me that I owed the bank {$50.00} in fees they charged when closing the account, fees for which I should n't be paying because I had funds in the account when it was closed. They said that I needed to pay before they can reopen the account, so I asked for my old statements and they told me they ca n't provide it because the account was closed due to fraud. I asked what the suspected fraud activity was because they never told me, they just closed the account without confirming with me and reported me the XXXX. Now if they suspect fraudulent activity on my account should they tell me what it is? Or what went wrong so that I can fix it? Also it 's been years since the account was closed and I already paid them the {$50.00} they say that I supposedly owe them yet they have not reported that the matter has been settled to XXXX and are still reporting negative information about me which is n't factual. I 've never had any fraud on my account, and even if so the bank was suppose to verify with me instead of just closing my account without my knowledge. So now I am unable to open a new checking account because Bank of America has reported me to XXXX for reasons I still do n't know and they wo n't tell me, and I 've paid the {$50.00} they said I owed so they are suppose to update the information with XXXX and remove my me from there.
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: Experian Information Solutions Inc. (TX)

Experian, XXXX and XXXX are reporting me owing a debt to XXXX XXXX XXXX and XXXX XXXX. Neither one of these are accounts or debts I caused or authorized. During the time that they are stating the debt occurred, I was a victim of Identity Theft in which I filed a case with the FBI. At that time All three major credit bureaus were notified. This was several years ago but until this day I have been disputing these account and the credit bureaus are refusing to delete these items. Each time I dispute the items and ask them to provide me with information on their investigation from the creditor showing proof of the debt, they refuse to provide me any documentation. The same applies to the creditor. The Creditor have ignored me numerous times and refuse to reply me or provide me with any documents of evidence of these debts. The credit bureaus response is always the account was verified
Consumer complaint received 2017-08-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: 4M Collections, LLC (WA)

I have been getting repeated voicemails from XXXX XXXX XXXX. First and foremost, I have not received any written letter from XXXX XXXX XXXX via U.S. Mail, as required by federal law, informing me of their intent to collect any debt from me, nor my right to dispute the debt. Secondly, I have informed them, via my voicemail, that they are to leave a detailed message why and who they are collecting for and if they continue to harass me I will report them. This method has failed as all they leave for a voicemail is, " This is an attempt to collect a debt by a debt collector. Please call XXXX XXXX XXXX at XXXX. Thank you. '' Third, according my credit reports, I have no outstanding debt that has been referred to a debt collector. Ultimately, XXXX XXXX XXXX needs to stop harassing me with debt collection, when they have the wrong number. Here are some of the calling and voicemail records I have of them. Called and left voicemail : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  Called and left no voicemail : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX
Consumer complaint received 2020-07-12
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Ca XXXX Experian XXXX. XXXX  XXXX XXXX Tx XXXX XXXX : Dispute Letter of date you sent in first or subsequent requests To Whom it May Concern, This letter is formal notice that you have failed to respond to my dispute letter of XX/XX/2020 I sent this letter registered mail and have enclosed a copy of the return receipt which you received XX/XX/XXXX. 

As you are well aware, federal law requires you to respond within 30 days. I understand that the CFPB is relaxing the accountability for the 30 day recepose requirement due to these uncertain times. HOW EVER THE LAW HAS NOT CHANGED. 
It has now been over that period since the receipt of my letter. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 

I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records.
Consumer complaint received 2017-08-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: GVA Holdings, LLC (FL)

on X/XX/17, I received a {$400.00} deposit into my savings account from Riverbendcash.com. I never authorized this loan nor did I ever have any contact with them prior to the monies being deposited into my account. I called their customer service line and asked them to please reverse the deposit and take their money from my account and to block my account from any future deposits/drafts from their system. In addition, I requested how did they receive my information. The rep provided me with a phone number I use to have 10+ years ago and an email I had 15+ years ago. Under no circumstances did I ever request, authorize or consent for this loan.
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NV)

Like many Americans I started to experience financial issues in the last quarter of XXXX. I noticed Chase had a banner for Covid Relief Assistance. 

Being a XXXX XXXX  XXXX vet and XXXX  citizen with a high balance credit card account number XXXX XXXX XXXX XXXX with them I thought they would work with me. I put the phone on speaker and my wife heard the entire conversation as she does with all business calls. 

They directed me away from Covid Relief which now seems like blatant ageism and insisted my only option was their Balance Liquidation Program. I was told the amount I needed to pay was {$200.00} a month. This amount seemed quite high for someone struggling financially on a fixed income but I was given no other choice. 

For 9 months I was able to pay that amount, sometimes even paying them before EATING. In the tenth month, I called to say I could not do it anymore and could only pay {$50.00} per month. This was in XX/XX/XXXX or XX/XX/XXXX. I was told to pay what I could. 

Fast forward 3 months of paying the {$50.00} per month and I am now told by Chase I am in arrears and will default on this credit card if I cant catch up what I didnt pay and continue to pay {$200.00} a month. 

I am told there is no way to lower a payment on this program which I was never told as my wife listens to all my calls with Chase and can attest. The agents were rude and deceptive. 

This is how Chase treats struggling seniors during a pandemic? They trick me into a program where I can never ever lower my payment? 

Shame on Chase. I was deceived on every level. And now I paid them and starved for nothing it seems. This is a warning for others, Chase does not have your back.
Consumer complaint received 2021-09-06
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. (VA)

I am part of a consumer credit transactions this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged due to Title 15 USC. 
BUREAU-1692a ( 1 ), 1681A ( 1 ) -4/ ( B ) COMMUNICATION-1692A ( 2 ) CREDITOR-1692A ( 4 ) Charge off/Repo DEBT AND DEBT COLLECTOR 1692A ( 5 ) Collections/Student loans CONSUMER-1692A ( 3 ) LATE PAYMENTS-1666B ( A ) INQUIRY-1681B ( 2 ) /3A ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Consumer complaint received 2022-09-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Please be advised that you are reporting incorrect personal information on my credit report. 
I need the following information updated as soon as possible. 


My current address is : XXXX XXXX XXXX XXXX XXXX, FL, XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXX XXXX
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Please be advised that you are reporting incorrect personal information on my credit report. 
I need the following information updated as soon as possible. 


My current address is : XXXX XXXX XXXX XXXX XXXX, FL, XXXX My current phone number is : ( XXXX ) XXXX My current Employer is : XXXX XXXX
Consumer complaint received 2017-08-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I contacted my loan servicing Specialized Loan Servicing on XX/XX/XXXX, to request the identity of the investor of my loan. We were told the request had to be in writing, and were given a fax number to submit the request to. The fax was sent at XXXX PST on XX/XX/XXXX. We were told to allow 24-48hrs for the request to be updated in their system in order to get the information. I called them on XX/XX/XXXX to follow up, and was told the information we had been given previously was incorrect and, per their policy and at the lenders request the information would not be provided for 30 BUSINESS days. According to the CFPB website : " If the request asks for the identity and address of the investor ( owner of the loan ), the servicer must provide this information to you within 10 business days of receipt of the request '' Additionally, each person we spoke with ( 3 so far in total ) are all rude, combative and obstructionary. It 's evident they have all been trained to not give any sort of help, information or guidance when it comes to information about the lenders, like it 's some big secret.
Consumer complaint received 2017-06-28
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: EQUIFAX, INC. (TX)

To whom It may concern On XXXX XXXX, XXXX, and XXXX XXXX, XXXX, I sent a certified letter to Equifax and XXXX informing them both that there were a number of inquiries and some are multiples on my report that I did not authorize and to remove them if they are not tied to an account. Inquiries should never be placed on someone 's files unless authorized and I did not authorize the inquiries. On XXXX XXXX, XXXX, I received two generic letters from Equifax stating that inquiries are factual data ( this is not true because I never authorized for my credit to be pulled from the creditors. After I received the letter I sent the letter again certified and received the same information from Equifax. I still not have received a response from my first letter from XXXX  and it has been over 30 days. It is very wrong for these credit bureaus to aid in damaging someone 's credit by placing things on there and refusing to remove them after being told over and over again that they do not belong to me. A security freeze is on my reports and both bureaus still allow creditors to access my report without verifying that it is actually me. I am well aware of my rights as a consumer and I am WELL prepared to take the next step if this problem is not resolved and the inquiries are not removed.
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I am having the same issues with Capital One, you closed my case without my permission. They had someone call from their executive office, I called back several times, they never responded!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!   They will not work with me to lower the monthly payments through this hardship!   I have no job, they refuse to budge. My accounts are in default.
Consumer complaint received 2020-04-18
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: National Account Systems of Omaha, LLC (NE)

FRAUDULENT TRANSACTION, NO PROOF OF MY INVOLVEMENT, REPEATEDLY DEMANDED THIS BE REMOVED FROM RECORD, STILL CONTINUING TO REPORT IN VIOLATION OF FCRA GUIDELINES. USING MY CREDIT REPORT AS A MECHANISM TO COERCE PAYMENT ON A FRAUDULENT TRANSACTION.
Consumer complaint received 2024-02-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CO)

Commenity Capitol Bank has called my cell phone number 5-7+ times A DAY every single day between XX/XX/XXXX and XXXX XXXXXXXX XXXX  month, I sent a debt verification letter on XX/XX/XXXX that was downloaded from the FTC website requesting that they VERIFY : Why you think I owe the debt and to whom I owe it, The amount and age of the debt, Details about your authority to collect this debt and I very specifically stated in the letter that the only acceptable way to communicate with me about the matter was in writing NOT by phone. A representative for their company signed for the letter on XX/XX/XXXX ( letter was mailed with return receipt ). 

As of XX/XX/XXXX the company has CONTINUED to contact me by phone and the only information that they provided via mail was a two line response letter stating that " I '' had opened the credit card in XX/XX/XXXX with no further information provided. 

Per my understanding the company is allowed to contact me a maximum of 7 times in 7 days about this matter- NOT 7+ times EVERY single day for weeks about the mater and once they have received ( again letter was sent via return receipt ) notice that they may only contact me through the mail they are prohibited from continuing to harass me by phone.
Consumer complaint received 2017-10-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (NC)

Purchased new XXXX with first payment of XXXX due on XXXX. On XXXX phoned in payment of XXXX with bank routing and checking account number. XXXX XXXX XXXX XXXX began calling on XXXX due to no payment and thru XXXX a total of XXXX times ( I was on vacation and working so was unaware of reason for call ). On XXXX received letter informing me of nonpayment. I called only to be told money had been received but had not been applied to my " monthly '' payment but principal only ( loan is 0 % ) so in my mind I am paying principal only and no interest is required. This was at approximately XXXX on XXXX. Customer rep said they would fix and we were square. At XXXX pm received harassing phone call wanting payment. I stated hope this call is recorded for if XXXX does not suspend calls I would seek legal counsel. Chases ' payment phone number is confusing and I was told I was to blame for hitting wrong button. My understanding is XXXX knew I had sent in XXXX to be applied to the loan account but would not apply it because I hit the wrong button. I have excellent credit ( over XXXX by most credit ratings ) and am trying to keep it as so, but I am anxious if I will succeed with Chases ' current administrative methods. This is an attempt to receive attention to their problem not mine, but if they continue to call, I will not hesitate to seek litigation. Thank you if you can resolve XXXX 's problem because I truly feel I have done nothing wrong and will continue to make my payments if allowed!
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Net Pay Advance, Inc. (CA)

this loan was discharged in my chapter XXXX bankruptcy as of XXXX 2015 XXXX and XXXX XXXX refuse to delete the misinformation or report it as discharged!
Consumer complaint received 2022-03-10
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: HCFS Healthcare Financial Services of TeamHealth (FL)

I have been disputing this information since XX/XX/XXXX I sent a dispute out on XX/XX/XXXX which included a affidavit that has yet to be responded to. By law as a natural living human I have not waived any of my rights I am stating that my rights are reserved under UCC 1-308. I have proof that the affidavit was sent from my recent dispute number ( XXXX ) ( XXXX ) ( XXXX ) I will also be providing the police report that I have sent multiple times with this document as well this is the final step I am taking before seeking litigation against XXXX and ARS.
Consumer complaint received 2021-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I was alerted through my credit bureau apps that a new collection account was listed on my credit report. I have no knowledge of this debt, I received no mailings or communication from Medical Systems to review or validate debt just an immediate placement onto my credit report. I have informed the bureaus and placed a fraud alert on my credit profile along with the police report number.
Consumer complaint received 2022-03-10
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. (NY)

1.In accordance with Faircredit Reporting Act, XXXX Bankaccount # XXXX. 
XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX  ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 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.