davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-13
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp (RI)

Back in XX/XX/2016 I was doing so research on student loan forgiveness. After a couple of calls and XXXX searches I was contacted by Equitable Acceptance Cooperation. I was told the Obama had passed this law and the student loans that I was paying back were not supposed to be that high. I was told that this company would get my student loans consolidated and it would be better for my credit and lower my monthly bill. This sounded great to me. This company told me that I would have to pay a fee for the service that would be broken up into monthly payments and then I would also have a new student loan payment plan. I unfortunately agreed to this as I thought it was a legit. After a few months I have been paying both my fee to Equitable Acceptance Cooperation and to XXXX. I contacted XXXX with some questions and they advised me that this was a scam and to report it to the Federal Trade Commission. Equitable Acceptance has put a hard inquiry against my credit and debt on my credit report.
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Late fee — 
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington bank charged me a late payment fee of {$37.00} on my Huntington XXXX credit card, although my ACH payment was made and processed a day prior to the due date of XXXX. 
on XXXX I initiated an online ACH payment for {$150.00} towards my XXXX credit card. However, on XXXX their is a late payment charged to my account ( see attached )
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquires be removed.
Consumer complaint received 2017-06-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On Monday,  XXXX   XXXX ,  2017 , at approximately  XXXX    XXXX   Central time I attempted to log into my Bank of America account online only to be told to contact customer service. I am assuming that my account was closed due to the other CFPB claim I have pending with them. That claim number is  XXXX . No one called and asked me any questions nor did they even advise me that they were about to close my account. I demand that I be able to go into a branch tomorrow,  XXXX   XXXX ,  2017 , and withdraw my money from the account. I am currently in the process of moving and this is holding me up as I do not have an active debit card.
Consumer complaint received 2017-06-13
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Complaint numbers below have not been addressed per the law therefor fraud has been committed False statements have been made Malice. A criminal acts have been made. Who will do their Job today. No investigation Still waiting on Loa the way the law calls for.n assignment sheet No audit done and cant be done without assignment sheet Changes made to contract without my consent loan extension not legal Payoff incorrect. Due to the above. Loan should be void or pay contract value Damages of XXXX XXXX should be awarded. Or XXXX credit line opened with XXXX  All Three CRA should share in the Settlement XXXX XXXX XXXX XXXX XXXX XXXX XXXX This loan should have never been approved I had no job no income no money an income was placed on application after I signed it. This is fraud and should be dealt with by Federal Reserve Justice Department and all other agencies. Predatory lending. Please forward to Federal Reserve. Why are they allowed to do this I made another attempt on my life. Respectfully XXXX XXXX
Consumer complaint received 2017-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CO)

Being charged two late fees per month in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Accounts were charged off on credit report in XX/XX/XXXX but they are being reported monthly on report as on today.
Charged late fees when payments were made XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Charged " repayment '' fee in XX/XX/XXXX and XX/XX/XXXX.
Charged for forbearance in XX/XX/XXXX. XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$7.00} {$7.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} - {$2.00} - {$2.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Payment {$0.00} - {$71.00} - {$30.00} - {$100.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00}XX/XX/XXXX Payment {$0.00} - {$100.00} {$0.00} - {$100.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$10.00} {$10.00} XX/XX/XXXX Payment - {$82.00} - {$100.00} {$0.00} - {$190.00} XX/XX/XXXX Payment {$0.00} - {$45.00} {$0.00} - {$45.00} XX/XX/XXXX Payment - {$170.00} - {$9.00} - {$9.00} - {$190.00} XX/XX/XXXX Payment {$0.00} - {$36.00} - {$18.00} - {$55.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$24.00} {$24.00} XX/XX/XXXX Payment - {$140.00} - {$88.00} - {$42.00} - {$270.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$22.00} {$22.00} XX/XX/XXXXPayment {$0.00} - {$120.00} - {$23.00} - {$150.00} XX/XX/XXXXLate Fee {$0.00} {$0.00} {$24.00} {$24.00} XX/XX/XXXX Payment {$0.00} - {$80.00} - {$19.00} - {$100.00} XX/XX/XXXX Late Fee {$0.00} {$0.00} {$20.00} {$20.00} XX/XX/XXXX Payment {$0.00} - {$96.00} - {$3.00} - {$100.00} XX/XX/XXXX Payment {$0.00} - {$40.00} - {$9.00} - {$50.00} XX/XX/XXXX Repayment Fee {$390.00} {$0.00} {$0.00} {$390.00} XX/XX/XXXX Forbearance Fee {$0.00} {$0.00} {$150.00} {$150.00} XX/XX/XXXX Repayment Fee {$310.00} {$0.00} {$0.00} {$310.00}
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (ME)

beginning in XX/XX/XXXX I applied for an auto loan. after acquiring this loan, my son who has the same name XXXX the suffix started having my information on his credit report. after encouraging him to contact the credit reporting agencies in an attempt to fix the issue. after many attempts to resolve these issue, neither him or I were successful. this went on for 3 to 5 years, in attempt to fix this. both my son and I were denied credit to improve our credit. moving forward to XX/XX/XXXX through current, I have hired XXXX XXXX to assist in removing these items and challenging the wrong information on the reports. I was able to get a mortgage fraud judgement against three entities. XXXX XXXX XXXX, Select Portfolio Service and XXXX XXXX XXXX. I sent this documentation to XXXX XXXX to have them help with the removal of them reporting from this. A decision by a Superior Judge deemed it Mortgage Fraud. All of these companies have continued to report wrong information, thus impacting my family and I both financially and mentally! on top of this, I am still getting inquiry reports using my sons prior address, therefor that long complain going back 11 years ago has not stopped. I have not improved my score, due to those 3 entities and the massive unlawful mistakes that the 3 credit report agencies have continued to get wrong. I  stopped using XXXX XXXX after so much in professional communication from the creditors to the agency. I also stop, due to the cost which was over {$2000.00}
Consumer complaint received 2017-06-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

My only issue is that my bank ( 53 Bank ) takes way to long to send current info to my linked accounts. "  XXXX  '' for example is an instant pay Service that essentially loans money out based on hours worked, and weekly direct deposit information. However my bank was flagged by   XXXX   XXXX   for taking unusually slow compared to most banks to send updated bank info. Sometimes it 's takes until Monday after payday ( Friday ) for Fifth Third Bank to finally show my linked accounts that I have been payed from work.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: ERC (MO)

I have filed a dispute before regarding this issue with XXXX previously in XX/XX/XXXX for XXXX and they have sold my info again to another debt collection agency by the name of Enhanced Recovery XXXX ( ERC ). I filed a dispute XX/XX/XXXX and the item was deleted and removed from my credit report on XX/XX/XXXX for XXXX. I received a alert from my credit bureau regarding this issue XX/XX/XXXX for the same issue and I do n't have any knowledge of this account. ( XXXX & XXXX Credit Reports )
Consumer complaint received 2015-11-07
Product: Bank account or service — Cashing a check without an account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (NC)

I recently wanted local banks to cash U.S Government Savings EE Bonds that I purchased 30 years ago. XXXX of the XXXX banks that I visited to get this done refused to even talk to me because I was not a customer. On advice from Treasury-Minneapolis MN, I filled out Form XXXX from their website. I was to take it to any bank to certify my signature and call a toll free number if their was a problem. They refused. Since purchasing the bonds from a Bank, it is reasonable that a bank would redeem the bonds. I have written to the XXXX Banking Committee about my problem in detail with copies sent XXXX and each of my XXXX Representatives. I also sent a letter to XXXX Bank President identifying excellent Customer Service of a local Bank Manager who listened to my needs and together we found a solution to my predicament. The reason for not being a local bank customer is explained in my letter XXXX. I would be happy to forward copies of these letters to you so that you can fully understand what should have been a simple task took an entire day with a great deal of frustration dealing with a " Catch 22 '' situation.
Consumer complaint received 2017-06-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (ND)

As a US service  member I had froze my  XXXX   XXXX  Account when I received orders to be stationed overseas in  XXXX   XXXX . When I returned to th e U.S.  in  XXXX  I re-activated my  XXXX   XXXX  Account, and a few months later I purchased a new cell phone with them. When I purchased my new phone in  XXXX  I updated my billing/address information with the sales attendant in  XXXX  's  XXXX , CO store. In  XXXX  I switched carriers to  XXXX , taking my  XXXX  phone number with me.     Unknown to me, I had a {$73.00} balance left on my  XXXX   XXXX  account.  XXXX  only attempted to notify me of this balance by mail and they used my old overseas mailing address. The only time I was called about this balance was when it had already gone to collections and subsequently it ended up on my credit report.  XXXX  did not use my updated    U.S. ad dress nor did they attempt to call me on the phone number that they knew  I took with me to reach me about this balance. Only the collections agency ( IC System ) used my phone  number to reach me.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (OH)

I have repeatedly asked for these unauthorized inquires to be removed from my credit profile. Equifax continues to keep these on my file saying they are mine and I need to contact each company. when I called these companies they keep telling me I need to contact Equifax. These are very damaging to my credit worthiness and are inhibiting for me to obtaining credit.
Consumer complaint received 2017-06-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

I began receiving daily phone calls from fake phone numbers in  XXXX  of this year. I finally answered one and waited for the call to connect. After connecting the representative on the phone stated they were from a debt collection agency and asked me for my credit card number to pay a medical debt of {$50.00}. I have never received a bill. I told them I would not give them my card #, but if they sent me the bill I would review the claim. About 2 months later (  XXXX  ), I received a written notification from a company called " Credit Collection Services '' stating that the date of service was from  XXXX / XXXX / 2015  from  XXXX   XXXX . I reviewed all of my medical files and have no history of medical tests being done on this date. I responded with a letter to Credit Collection Services the next day stating that I was disputing the claim and requested they provide a copy of the original invoice with explanation of how they tried to bill. On  XXXX  I received another notice from Credit Collection Services stating that the past due account remains unpaid. They have not responded to my dispute.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint regarding the charge-off entry on my credit report. Despite my persistent efforts to rectify this matter, the charge-off continues to adversely affect my creditworthiness and financial standing. 

Despite my genuine efforts to rectify this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, the charge-off entry persists on my credit report. 

Requested resolution : I respectfully request the following actions be taken promptly : A comprehensive and immediate investigation into the charge-off entry, including thorough validation of its accuracy with the creditor. 

If the charge-off entry is found to be inaccurate, its immediate removal from my credit report. 

A written acknowledgment from your agency confirming the correction of my credit report once the issue has been resolved. 

A detailed report outlining the actions taken during the investigation and the resolution status. 

I urge you to treat this complaint with the utmost urgency. Timely resolution of such issues is crucial for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary measures to rectify this situation promptly. 

Please acknowledge receipt of this complaint in writing within [ mention a specific timeframe ] and provide a designated contact person with their direct contact information for further communication. I am asking for your assistance to remove these charge off accounts in my credit file : 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IN)

Chase Wire Fraud Events XX/XX/XXXX - Received a phone call from the Chase Fraud Department phone number. Her name was XXXX, she had all my information. Stated fraud of my company debit card and we needed to cancel it. Phone call dropped due to service connection. A few minutes later I see the email that states a {$25000.00} wire transfer was just performed from my business account XX/XX/XXXX - Immediately called the number provided for Chase Fraud Protection in the wire transfer email, was put on hold for a call back in XXXX min. Received numerous calls in from the same Chase Fraud Number, one of which was the same fraudulent XXXX once the wire from our personal account was stopped. We spoke to numerous representatives during the entire day. The personal wire was stopped, the business wire was not. 

XX/XX/XXXX - The representative told me he was creating the forgery packet and would mail it out. Said I would get an email and a secure message in my message center of the claim. I got none of these things. 

XX/XX/XXXX - On vacation, I left our camp and went to the closest Chase branch in XXXX, MI and had the banker print the forgery packet. I signed it on XX/XX/XXXX and he sent it based on the institution 's instructions. His email verification is included, as well as the ORIGINAL signed forgery packet sent in on XX/XX/XXXX XXXX - Called numerous times to check the status, each time I was told it was in investigation. At first, I was told it was going to be answered in XXXX days, then 15 days. 

XXXX - I stopped into our local Chase branch when we returned from vacation on XXXX and she was told there was no record of the forgery packet sent from MI XX/XX/XXXX so we sent it again from the local XXXX, IN branch XXXX I was told it was in processing. Gathering documentation from this representative as well. 

XXXX - Still no word or credit from Wire Fraud - Called in again and was escalated to supervisor XXXX XXXX, She said the forgery packet which had been sent TWICE from CHASE BRANCH BANKERS had not been received. She told me to go into the branch again and they would email it and upload it directly to the supervisor. 

XXXX - Go into XXXX, XXXX branch again and resend the same document which had been sent two other times before. We are told XXXX days now that the supervisor had it. 

XXXX - Get a letter dated XXXX from Chase that the forgery packet had not been received and thus my case had been closed XX/XX/XXXX - Call in once again to check the status on the THIRD receipt of the forgery packet after 8 days and was told they had the packet and received it XX/XX/XXXX, but there was no update and it was still under investigation. She would not escalate the call. I told her I was filing a claim with the Consumer Financial Protection Bureau and would move forward with legal action due to the 30 days of time lost, business funds kept, and documents lost.
Consumer complaint received 2019-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. 
The inquiry in question was apparently made by you on XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

The XXXX  marketing opt-out page has been down for over a week. It is currently not possible to opt out of having my private transaction data with other entities without my consent. 

XXXX XXXX XXXX
Consumer complaint received 2017-06-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

Case number :  XXXX  was never resolved. There is an unexplained charge of {$170.00} attached to my mortgage that needs to be removed. The company to me to have my lawyer explain it when I call
Consumer complaint received 2020-10-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

XXXX  REFUSE TO BELIVE that I am who I am I mail documentation which I will include, I mailed weeks ago?
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am writing to file a formal complaint regarding fraudulent items associated with my account. I believe these items are fraudulent, and I request their immediate removal and resolution. 


I trust that Credit Bureaus takes this matter seriously and will conduct a thorough investigation into the fraudulent items in question. I expect a prompt and diligent response, and I reserve the right to take further legal action if the issue remains unresolved. 

Please acknowledge receipt of this complaint in writing within the exact timeframe and provide a contact person and their direct contact information for further communication. I am asking for your assistance to remove these fraud items in my credit file : 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 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