davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-02
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. (ME)

After numourous attempts of dispuit negative information on my credit reports. They have failed to provide me, proof of contracts and proof of my consent of inquiries and negative credit reporting on my report under Fair credit Reporting and Fair Credit Act laws. XXXX has also went as far as, telling me, I can not dispute negative items cause they were already disputed, yet, they have provided me with no proof of permission I have given for inquries, and, proof that, I have contracts with, and, have given these companies permission to report on my credit report, under Fair Credit Reporting and Fair Credit Act laws.
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XX/XX/XXXX, I disputed inaccurate credit reporting with XXXX XXXX XXXX XXXX XXXX, who was reporting me late, which I was not. On XX/XX/XXXX, XXXX XXXX XXXX updated my trade line as current.
On XX/XX/XXXX, I received a alert this same account was reported as delinquent 30 days and {$590.00} past due. I called on XX/XX/XXXX, the office was closed. I sent a email to XXXX XXXX in an attempt to resolve this issue. She forwarded my email to XXXX XXXX. I called again XX/XX/XXXX to speak to XXXX XXXX, I did not receive a return phone call. I called again XX/XX/XXXX and spoke to XXXX, who stated he updated my trade line. I received another alert and it 's once again reported inaccurately. It 's now showing as a delinquent collection/charge off. This motorcycle was in a accident on XX/XX/XXXX, and determined to be a total loss. XXXX XXXX XXXX received a check for approximately {$8100.00}, which left a balance of approximately {$2900.00}. This account is NOT delinquent, or a collection/charge off. I am seeking for XXXX XXXX XXXX to delete this trade line from my account immediately. Their actions have caused undue stress and the denial of a home loan.
Consumer complaint received 2017-07-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (MD)

Without explanation or legal authority, FedLoan recently increased by monthly payments by more than {$1100.00} per month. Upon information and belief, FedLoan is doing so in order to retaliate against me for reporting its unlawful practices to members of Congress and the CFPB.
Consumer complaint received 2022-03-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

Hello, On XX/XX/2022, I submitted a claim to Chase Bank in regard to a check that was cashed by an individual. Essentially, this individual stole the check, erased the name of the company that it was supposed to go to, and cashed it themselves. This was a check for {$4000.00} that was made out to the company " XXXX XXXX. '' When I found out that they never received the check, I looked on my Chase XXXXXXXX XXXX and found that the {$4000.00} had already been taken out of my checking account, but the name that came up on the check was " XXXX XXXX. '' This individual stole my check and wrote it out for themself by changing the name and the date, essentially committing a felony. I have been on and off of the phone with chase regarding this incident, and originally this was all supposed to be solved by XX/XX/XXXX. After calling Chase Customer Service at least 3 times, they kept extending the deadline and saying that the claim is still open and investigating is still going on. Quite frankly, they keep making promises that they are not keeping and I am not sure how long it is going to take for them to finally do their job and get this thing solved so I can get my reimbursement. I reached out to the FDIC and they are the ones that told me to get in touch with CFPB. Any help that you can provide me would be greatly appreciated, as this is a lot of money that was stolen from me and I don't feel like Chase Bank has been doing a good job handling my situation. 

Thank you.
Consumer complaint received 2017-12-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Revenue Enterprises, LLC (CO)

Revenue Enterprises is destroying my credit without giving me time to with out giving me time to reply to the medical dept charged to my name i paid into my whole life to XXXX n XXXX now its worthless and i wasnt given an estimate like it was a car or home contractor unlicensed roofer scam I want justice on this XXXX XXXX brought to yheir knees
Consumer complaint received 2018-01-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (CA)

I have three gift cards were hacked on the 2nd day I bought them, two were recovered, this is the third one. I havent heard from them for a long time for this one, please help me get my money back, thank you. 
Date of purchase : XXXX/XXXX/XXXX Card # XXXX Fraud charges : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Pending {$190.00} XXXX XXXX XXXX # XXXX XXXX Pending {$0.00}
Consumer complaint received 2022-03-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

There is an issue with all 3 credit bureaus not deleting out of statute accounts, and not allowing me to re-dispute. They are re-aging tge accounts, and in one instance, the account with XXXX XXXX XXXX was paid off completely, but marked as never paid to all bureaus. This is so frustrating.
Consumer complaint received 2018-01-02
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. (LA)

I am so sick of these credit bureaus ... I am frustrated they constantly violate the credit laws XXXX consumers reports yet nothing happens.. Experian is the worst of them all I 've sent in several letters including. Fraud affidavit proving I had been a victim of identity theft ..they did n't investigate.. XXXX and Experian both allowed fraudulent accounts to continue on my credit profile, Experian allowed XXXX XXXX XXXX XXXX XXXX to report the same account twice using different account numbers for the same repo .. Both have different open dates on accounts, last active dates and tons of inaccurate illegal information to report according to the federal credit law all bureaus must report 100 % accurate information if the information is accurate should n't it all be reporting the same in everything? They let fraud account stay on without investigation all they do is replied verified if you both verified the same account information how come the information your both reporting is the same ..I really XXXX off and will be obtaining an attorney I have kept records of my letters to these two bureaus.Something needs to be done about these two bureaus constantly breaking the laws and not being held accountable for their actions while causing harm to consumers credit worthiness .. I 've included a list of not accurate information, fraud accounts, illegal reporting and it will show you exactly what I 'm saying I 'm tired of theses companies someone needs to put some actions on them they XXXX .They are supposed to deleted outdated information.they want even remove the fraudulent outdated addresses on my credit profile, the only address should be reported is XXXX XXXX XXXX XXXX XXXX XXXX la XXXX I 've been here 8 years all other addresses are outdated and I asked them to remove them .. some never belonged to me
Consumer complaint received 2018-01-02
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: JPMORGAN CHASE & CO. (PA)

Today there was a hard inquiry from chase credit card and I did not authorize this. I know i did not do this because I have a low credit score and its no way I can receive any credit cards.
Consumer complaint received 2018-01-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (MO)

I have a student loan which was supposedly bought by XXXX XXXX XXXX ( " XXXX '' ). XXXX uses the service provider American Education Services to collect payments and deal with my loan. I have contacted AES multiple times, over the phone and in writing, requesting documentation proving that XXXX owns my loan and I have not received any such documentation. 

AES will not allow me to speak with XXXX myself and says all communication must go through AES. They refuse to provide any documentation showing that XXXX actually owns this loan. I believe XXXX either does not own the loan or does not have any documentation regarding my loan. 

I would like help getting documentation. Thank you.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (MS)

There was a notice sent regarding the home being sent to foreclosure, but the letter only listed the date and time. The notice did not include an reinstatement amount. The reinstatement amount was sent on  XXXX / XXXX /   2017, less than 48 ho urs before the said foreclosure sale.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I have a few items that I need to review for some legal proceedings. I would like a a full report and my full CLUE from XXXX XXXX. Please forward me a copy of my XXXX XXXX and Core Logic reports as well.
Consumer complaint received 2017-12-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY (MD)

Currently I have a loan with Wells Fargo; I have asked many times to lower my interest rate since my ability to pay has gotten more reliable.I also asked my Dad to be removed as XXXX I have imposed a burden on him for far too long and I stand on my own 2 feet.  I am now married with XXXX kids and a house; my ability to pay  should not be in question.A lower fixed interest rate would help me and my family immensely.Thank You
Consumer complaint received 2017-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Adjusters, LLC (UT)

This company is calling every morning between XXXX and XXXX from different numbers. I live in Utah. When I try to call i am sent to a voicemail that never allows me to leave a message or I call one of 10 different numbers they call from are then placed on hold and the. After 3-4 minutes disconnects me. Everytime.
Consumer complaint received 2022-10-28
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here are the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; PA XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$64000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00} ; XXXX  XXXX  XXXX Balance Owed : {$460.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX Bank of America levied a {$12.00} service fee that was immediately deducted. They did the same thing 2 months earlier. This is generated from transferring $ savings from a conumers checking to their savings account -- early. Normally this trasfer occurs on the last day of the month. They do this early a couple times out of the year to catch you without enough funds, and assess an automatic insuficient funds fee. Yet on all other inuficient amounts the consumer is allowed time to bring their account balance up - to avoid this neative result. In this case, however, the bank is purposely attempt to extract money from their clients to recoup loss of funds for free acounts, and thereby boost their profits. 
I believe this is violation of federal fair banking law, which no one is making these institutions answer for. In my case, for instance, theyve {$24.00} from me through the technique of catching me off guard. There are way over a million consumers with free accounts. Consequently this results in excess of 24 million dollars a year the financial institutions are raking in through unfair practices. I brought it to their attention, and they refused to refund my money.
Consumer complaint received 2018-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (OR)

On or about XXXX/XXXX/2016 XXXX XXXX XXXX incorrectly reported me to Early Warning Systems that XXXX closed my checking account for cause. This is wrong. I closed the account due to lost checks. XXXX did not suffer any monetary losses. I demand that this be removed from my Early Warning report. Thank you.
Consumer complaint received 2021-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/2021 in the morning I open the mobile phone bank of America found that being taking {$5000.00} in New York, my bank card is not lost. I in Virginia, I immediately go to a local bank to deal with this case, and then call the police, I waited for more than three months, they give me the answer is my licensing deals, I'm sorry, I ask them to check the bank surveillance video that person not me, they put my end of the case, then I found my identity theft, they and the identity of the I apply for a credit card, steal my phone number, and even the irs examination was stolen, I don't think it's just I met such a thing, I think bank of America has a responsibility to be responsible for the fake bank card to withdraw money.
Consumer complaint received 2017-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

I have tried multiple complains and phone calls to your office regarding this issue and I was not able to solve the problem. Ocwen mortgage services keeping misplacing funds in my account and not applying the correct amount of funds as described in the modification contract. Currently the amount of {$1900.00} were not misapplied in the account from a suspense account and Ocwen will not apply these funds to the escrow account as requested. The account was modified on   XX/XX/XXXX    . At the time the account was modified, there were funds in the suspense account was {$1900.00} and I had a positive escrow balance in the amount of {$3300.00}. the modification contract had Deferred Principal adjustment  (  {$86000.00}  ) . in the account payment history, Ocwen applied the additional principal balance funds of {$1900.00} and only applied an additional  Deferred Balance Adjustment  of {$84000.00}, a smaller amount compared to the described in the modification contract as a deferred principal amount. I have previously requested several time in writing and over the phone clarification to the application of these funds but have being denied.
Consumer complaint received 2018-01-02
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: BARCLAYS BANK DELAWARE (NJ)

Got an email from XXXX XXXX with XXXX rewards, saying " my application has been received ''. The inquiry showed up on my XXXX XXXX as a hard inquiry from XX/XX/XXXX.I did not apply for this credit card. I contacted Barclays bank today XX/XX/XXXX spoke to XXXX. she check their database with my social and name, said it was the only way to check. said there was no application. Told me to contact the credit bureau that it was the only way to resolve the issue. XXXX XXXX says I can use you to try to resolve. I have worked very hard on my credit, and I am concerned that my personal information is out there somewhere. Please help me clear this up.
Consumer complaint received 2018-01-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (NY)

This company is illegally pursuing a debt by threatening to damage my credit by placing false accounts in collections. i have contacted them and sent over proof of court statements certified from a judge they are breaking the law and trying to collect extra money that is not owed. the manager is very rude and does not pick up the phone. i called multiple time and they refuse to answer.
Consumer complaint received 2018-01-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (MD)

On XX/XX/XXXX and XX/XX/XXXX I received XXXX XXXX XXXX has flagged your account as Collections.XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX XXXX Payment Status Collections Status Date XX/XX/XXXX Balance {$490.00} Balance Date N/A Address XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX reported a new account on your XXXX  Credit Report.XX/XX/XXXX Alert Date XX/XX/XXXX Source XXXX Company XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$490.00} Balance Date XX/XX/XXXX Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MN XXXX This company did not contact me prior to placing this on my credit. I have never had a XXXX account. Because my identity has been compromised by several companies to include XXXX credit bureau. I have requested a copy of the application along with whatever identification used. I would like this information removed from my credit until this issued has been resolved. This negative information on my reports is causing me a hardship.
Consumer complaint received 2018-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

The school XXXX XXXX XXXX close down in the middle of getting a certification the school lied and said that they were Having financial issues and ensuring us students that we will graduate and receive certificate but the school bankrupt in the middle and I was left without the education and stuck with heavy fines and fees which were XXXX XXXX at the time it was sold to another lender whom I dont have a agreement with because I did not get the loan though them so I have two issues one the loan was sold so I owe nothing because the agreement was with XXXX XXXX and two the school close and filed bankruptcy so I did not receive the education need to graduate and all I get it grive and talk down to from the new lender that I should stop trying to fight it which I will not because this is unjust and not fair I just want it removed off my credit
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (DC)

Last year, someone used my social security number to open a XXXX account and then closed it with {$750.00} in unpaid debt. I learned of this in XXXX 2016 through " Credit Management '' - debt collectors who said I needed to settle things with XXXX. My identity theft protection firm and I both did this separately and simultaneously. 

Consequently, XXXX confirmed that the account was opened by someone else and that they were removing that debt from my account. Credit Management confirmed the same and promised no further communication regarding this mistaken debt. 

Since XXXX, however, I have received incessant phone calls ( 5/week ) and yesterday I received a written invoice to pay Credit Management directly.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

After analyzing my credit report, I discovered the following information, which makes me even more angry. I never gave your company the opportunity to report abusive actions against me under the Fair Debt Collection Practices Act ( 15 USC Section 1692 ). I was subjected to a breach of my privacy.
Consumer complaint received 2018-01-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (NJ)

I opened the checking account on XX/XX/XXXX/2017 at XXXX XXXX NJ branch presenting the promo printout - Earn up to $ XXXX When you open a new, qualifying PNC checking product! 
Offer amount varies depending on the type of product opened. 
COUPON ID : XXXX Offer ends XX/XX/XXXX, 2017 Terms, in dispute, was - Make 10 purchases with a PNC XXXX Debit Card. 
" A qualifying debit card purchase is defined as any debit card purchase made at point of sale using your signature or PIN, or a purchase made electronically or online .. " I did many transaction inXX/XX/XXXX '17, established Direct Deposit, etc. Terms clearly stated electronic transactions would count towards  Debit Card transactions. Above quote is direct from the promo in my mailbox and the one I presented to branch while opening the account. Now, PNC reps tell me that it needs to be physical Debit Card transaction only. I told them I can forward the promo I received but they say that they ca n't help me. Service request was raised No.  XXXX and was rejected for the same reason. 

I ca n't understand, how can company not honor it 's own promo!!! So, frustrating!!