davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

I will keep on refilling this to complaint to EQUIFAX about the unauthorized inquiries on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely non-permissible and a result of Identity theft. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and I go by XXXX XXXX XXXX. My birthdate is XX/XX/year>. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with XXXX XXXX XXXX Section for the particular items you are reporting. XXXX that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Consumer complaint received 2020-10-06
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. (TX)

Inaccurate information on credit report. 
XXXX XXXX  Open date XX/XX/2007 Balance {$19000.00} Inaccurate name on credit report. 
XXXX XXXX Inaccurate address on credit report. 
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Inaccurate phone number on credit report. 
( XXXX ) XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

capital one and XXXX XXXX wa state received community discharge for my spouse ch XXXX bankruptcy XX/XX/XXXX -gave capital one case number and attorney info etching Emailed the bankruptcy dept of capital one including court documents Lawyer emailed them as well Credit report says charged off Informed them about community property and section 524 ( a ) ( 3 ) and I have no separate property. 
XX/XX/XXXX relieve letter from XXXX XXXX XXXX XXXX seeking collection of XXXX for one of my capital one accounts included in discharge. The lawyer refuses to help us without us paying him more which we do not want to do based on limited funds and we found to many errors through the bankruptcy process due to his office misplacing and or forgetting certain creditor info multiple times. 
Last time I tried calling XXXX XXXX for collections on XXXX account they refused to acknowledge the community discharge and hung up on me twice. The reason he filed solely was because I had filed when lost my house in XX/XX/XXXX so I couldn't and lawyer advised us to do this way even though the majority of our debt was in my name. Now my credit went from XXXX to XXXX and I feel like I'm constantly in distress about our families future and I don't know how to proceed. All efforts seem to be waisted
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I received a letter in the mail stating that all my credit cards have been closed as of XX/XX/2018. I have no idea why. all my accounts are in good standing, ive never missed a payment, and i havent done any illegal activity whatsoever. I was stunned for this to happen to me. This is just a case of pure bullying by someone who has more power than me. now, i am without a bank account of any kind, and i am missing all the lines of credit that were available to me. How am i going to keep up with my daily expenses? I have no idea ...
Consumer complaint received 2021-11-02
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: Asset Management Outsourcing, Inc. (GA)

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

This is a complaint against Citibank for their Mastercard credit card for which I am being charged excessive late and interest fees. Also on speaking and trying to resolve the issues with the company representative XXXX ( on XX/XX/XXXX at XXXX ET ) and then escalating to his manager XXXX at XXXX ET they refused to provide me with information as to whom I could file a complaint to, about my being over charged fees. XXXX ( Supervisor ) also suggested I contact the Better Business Beaureau instead of the CFPB as required by law. Specifically my payments are due every 2nd  day of the month, however due to travelling and the holidays for the month of XX/XX/XXXX ( payment due XX/XX/XXXX ) my payment was made on XX/XX/XXXX and processed / credited to my account on XX/XX/XXXX. Citicards then charged me a {$25.00} late fee as well as {$51.00} interest charge, because my payment was 1 day late. Attempts to call and have these charges removed were rejected and Citicards  refused to provide me with any information as to how to file a complaint to any regulatory agency. I have been a 15 year Citicard holder with a history of paying all my balances on time.
Consumer complaint received 2020-10-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (LA)

I currently have my mortgage with Freedom Mortgage. I requested to be put on forbearance due to Covid-19. Beginning on XX/XX/2020, I began requesting to be taken out of forbearance. I have called countless times, made payments and have brought my account current and they still have not removed me from forbearance. After multiple requests I was told they purposely kept me in forbearance to protect me. At this point I am still in forbearance and continuously being told that they will take me out but nothing is happening. This is absolutely unacceptable.
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

Made a wire transfer on XXXX XXXX to the company funds still not available in the account I have with them. Only automated responses from customer service last one was on XXXX XXXX. Asked my bank to initiate a wire recall but they cant get in touch with the company either. Would like the funds either in my account with them or reversed to my bank account as soon as possible. Case number with the company is XXXX.
Consumer complaint received 2018-01-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (WA)

On XXXX-18 I received 2 phone call from synchrony bank TJX rewards. On the second call I answered. In this conversation I had to ask what company she was with three times because she would tell. She falsified release of information and documentation on the account. She removed information from the account and when requested to speak with a supervisor she went silent and never transferes the call. I waited about 5 minutes to ne transferred and continued to ask " am I being transferres to the supervisor? ", no response but I could hear whisper and random noises. 

About an hour later I called Synchrony bank TJX rewards back, got a gentlemen who was unable to pull my records by phone. I was forced to release my social security number for my records to be pulled. I explained the situation and he stated no notes from prior conversation that day ; another example of falsification. I requestes to speak with a supervisor and he transferred me to XXXX XXXX who updated my phone number back into the system and verified my information synchrony bank has. She explained that they would look into the situation. I dont believe this matter will be reviewed and handled as she states. 

I had called in last week and advised of my situation and what my plan is. Ive made arrangements and advised them that I am aware that my credit could be impacted. 

I would like a full investigation done on this matter. Per my cell phone recordings this conversation took place on XXXX-18 at XXXX. PST. Please pull the recordings and listen to the conversation with XXXX and dont rely on the company to do their due diligence on the matter. 

I feel that I am being harassed, threatened, misled, & abused by Synchrony Bank TJX Rewards. This  is a serious matter that needs to be addressed.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (TX)

I have sent multiple credit disputes to XXXX XXXX, XXXX, and XXXX  regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) Conns ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) XXXX XXXX XXXX XXXX ( someone stole the car ) And XXXX XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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

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 XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-09
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)

Credit reporting agency will not remove this fraudulent account ( XXXX   XXXX  XXXX  $ ) This was a fraudulent account. I do not have XXXX, this has been wiped off my report and continues to reappear even though I provide evidence that this was ID Theft. I will upload my report with the CFPB. I have disputed it a couple times each time submitted the pertinent information to prove it is ID Theft. The credit Bureaus will not remove it and continue to update the derogatory each month along with keeping the balance.
Consumer complaint received 2019-03-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am filing this complaint because the Credit Bureau has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and con not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2020-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/20, out of nowhere, Bank of America closed all of my credit cards. I had only known this from my cards being declined -- there was no notice at all in the mobile banking app nor any emails. When I called that day, they told me I had 3 weeks until my entire account with the bank ( Checking, Savings, 3 credit cards and 2 investment accounts ) will be fully closed. I have been a customer for over 10 years and was just recently upgraded to their Premium Rewards tier. They won't give  me any explanation except " it was a business decision. '' My credit score stands to get hurt because those were my longest cards, and I can't even redeem reward points ( {$300.00} ) I earned over the year because they closed my cards. They won't even give me the decency to have a conversation about why they did what they did. When I tried to talk to the rewards support team, the agent transferring me hung up on me, not letting me talk to the team. 

The letters I did receive regarding the account closures were sent piecemeal and days apart ( 2 on XXXX, the rest on XXXX ) -- had I not called, I would have lost a week to get my finances in order. How hard is it to send a message via the banking app or email?
Consumer complaint received 2016-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (VA)

When I signed my contract for my student loan at age XXXX, I was under the impression that I would n't have interest charged until after I graduate. Now that I am more aware of my finances, I have noticed that I was charged over {$15000.00} in student loan interest while in school. Making my " affordable '' balance of {$60000.00} jump to well over {$80000.00}. I 'm being denied when I try to refinance my loan, because it is now at a 9.6 % interest rate, and I have have n't been given the time of day from other financial institutions. I 'm overwhelmed by more than just the number, but also the interest rate and I think that the student loan company not only fraudulently charged me an enormous amount of interest while in school, but they also took total advantage of a young student, without any other way to pay for college.
Consumer complaint received 2017-09-13
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: Experian Information Solutions Inc. (CA)

Following the XXXX breach, I have been attempting to freeze my credit with all three major agencies. However, XXXX will not allow me to submit a report on their website and their phone line is down, so the only way I will be able to contact them is through snail mail. Considering that the breach is their own fault, they should have a much easier system in place for the hundreds of millions of people whose identities have been jeopardized. 

Additionally, I find it ridiculous that I will have to pay {$30.00} total to the three agencies in order to freeze my credit and will not receive a reimbursement unless I go through their snail mail processes. Do they expect all of the Americans affected by this to go through weeks of paperwork and waiting just to protect themselves? The CFPB should prevent these agencies from making any profit off of the freezes that millions are now being forced to perform due to the agencies ' own negligence.
Consumer complaint received 2017-09-13
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. (CA)

Following the XXXX breach, I have been attempting to freeze my credit with all three major agencies. However, XXXX will not allow me to submit a report on their website and their phone line is down, so the only way I will be able to contact them is through snail mail. Considering that the breach is their own fault, they should have a much easier system in place for the hundreds of millions of people whose identities have been jeopardized. 

Additionally, I find it ridiculous that I will have to pay {$30.00} total to the three agencies in order to freeze my credit and will not receive a reimbursement unless I go through their snail mail processes. Do they expect all of the Americans affected by this to go through weeks of paperwork and waiting just to protect themselves? The CFPB should prevent these agencies from making any profit off of the freezes that millions are now being forced to perform due to the agencies ' own negligence.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (GA)

My credit card statement closing date XX/XX/XXXX indicated that I must pay the balance of {$1100.00} in full by XX/XX/XXXX to avoid paying accrued interest on a promotional plan. I called in the customer service center at XXXX on around XX/XX/XXXX to verify the amount payable prior to making the payment. The customer service representative confirmed that I needed to pay {$1100.00} to avoid interest charges. I submitted the request to process a payment in the amount of {$1100.00} on XX/XX/XXXX and the payment posted to my account on XX/XX/XXXX. I received my new statement on XX/XX/XXXX ; closing date XX/XX/XXXX. My promo plan charges were paid in full prior to the interest free expiration date. But I was still charged interest in the amount of {$400.00} on the promotional plan charges. I called customer service to dispute the finances charges and request a reversal. My request was denied advising that the finance charges are valid and my account will be reviewed in 30 days.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (GA)

My year was up therefore I decided not to renew my American Express XXXX XXXX XXXX XXXX. I called them and asked them to send my {$100.00} reward and do not renew my card. They declined to send me my reward and told me that because I choose not to renew my card I lose my reward. This is wrong. I have zero balance since XXXX.
Consumer complaint received 2022-03-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Holloway Credit Solutions (AL)

On XX/XX/2022, Holloway Credit Solutions reported a collection in the amount of {$780.00} on behalf of, XXXX XXXX XXXX XXXX. I have never even visited this hospital. However, I have ran into this problem before with another bill. With that being said, there is a girl with the same first & middle name and birth date as I and the hospital is selecting the wrong individual when billing. I have spoke with the collection agency as well as, the hospital and when they go to dig deeper & ask me to verify everything, they start naming off her address and other information like her marital status, her husband 's insurance plan, and the fact that this collection is from a bill owed on her daughter, XXXX. I have told them I am not married nor, do I have a daughter. Therefore, this is not my bill and should be removed from my credit report asap.
Consumer complaint received 2019-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This card was open fraudulently. I never applied for the card. I believe my sister might have something to do with it because she had access to my Bank of America checking account when I traveled to XXXX for my fathers funeral. I left her in my home to care for my minor daughter. Some payments to the card were made from my checking accounts and she is the only one who had access. I never applied or authorized anyone to apply for a Bank of America credit card. 

I have attached my travel ticket to prove that I wasnt in the country then and a police report. 

This account is fraudulent.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

WHY DO N'T YOUR CUSTOMER SERVICE RETURN CALL THEY PROMISED THEY WULD???? CAN SOMEONE PLEASE CHECK ON A PROBLEM I HAVE BEEN HAVE WITH THIS ACCOUNT. YOU REMOVED {$.00} FROM MY ACCOUNT AS AN ADJUSTMENT ON XXXX XXXX, 2017. I HAVE NOT RECEIVED A CHECK FROM BANK OF AMERICA FOR THE {$.00}. I WANT TO KNOW WHAT HAPPENED TO THE {$.00} AFTER THE ADJUSTMENT WAS MADE ON XXXX XXXX. I AM AWARE THAT AN ADJUSTMENT WAS MADE ON MY ACCOUNT AND THAT THE {$.00} WAS RETURNED TO MY ACCOUNT. IF I WOULD NOT HAVE CALLED BANK OF AMERICA WOULD HAVE KEEP MY MONEY. WHY????? CAN SOME XXXX PLEASE CONTACT ME BY PHONE
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (MO)

XXXX XXXX, XXXX I called to have late fee removed because I had not been late before. Unfortunately I was told no because my account is closed. 
I asked to speak with someone else who also told me the same. I asked to have those terms sent to me so I could read them for myself. XXXX refused stating I need to verify my address. Not realizing she never verified who she was speaking to when we were connecting.