davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This week, Bank of America sent my husband a credit card in his name linked to my separate credit card with an identical number to my credit card. I did not ever request for BofA to send to him a duplicate of my card in his name. I called BofA and spoke with a representative who identified herself as XXXX from Texas. I explained that I was troubled by their having issued a duplicate card to him and she told me that I must have requested it by phone or online at some point for them to have issued it. I asked for them to provide to me the date and method of my request because I know that I did not make a request as my husband and I have separate cards intentionally. She refused to provide any details of when or how a request was made and seemed unconcerned that a fraudulent request was made. I am disappointed at their lack of tracking when it comes to requests for duplicate cards and their lack of concern for what was either an error on their part or a fraudulent transaction.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

A fraud alert was placed on my credit bureau profile, without my request and now resulting in no credit report found, as if I don't exist with Equifax. 
A fraud alert was placed without my authorization or request on XXXX  as well. 

I have NEVER requested this and demand it be removed at once.
Consumer complaint received 2021-01-25
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: Synovus Bank (NC)

There are 3 accounts that are reporting on my credit that do not belong to me. I have contacted each of the creditors by mail on 8 occasions requesting validation and how they assume that I am the person responsible for the debt. Each of the creditors have not provided me with any information that would substantiate the debt belongs to me. I have made numerous calls only to be told that the application was submitted by internet and that is the most they could tell me. I have not applied for either of 2 cards ... XXXX and XXXX XXXX. I did however call in a card for 1st progress..never used the card ..returned the card and the company is reporting the card as delinquent. This is affecting my score and I feel lost with no one to assist. Please help. These do not belong to me.
Consumer complaint received 2022-04-27
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: CITIBANK, N.A. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX DSNB MACYS XXXX XXXXXXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2022 Re : Account Number XXXX
Consumer complaint received 2019-08-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft. I have contacted TransUnion several times explaining this situation and submitting the requested documents as proof. I have an extended fraud alert on my reports as well. The following accounts should be deleted and blocked from my credit because they are fraud accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( two accounts ), & XXXX XXXX. My name has been alerted the only name I have been known by is XXXX XXXX, which I have provided my ID & social security card several times with this information. I have also asked that the inquires for XXXX XXXX, XXXX   card be deleted this is not something I requested and is also a results of someone attempting to open more fraud accounts in using my name.
Consumer complaint received 2020-06-04
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. DEPTEDXXXX {$3500.00} DEPTEDXXXX {$4500.00} DEPTEDXXXX {$6000.00} XXXX {$780.00} XXXX {$510.00} XXXX {$2000.00} XXXX {$3500.00}
Consumer complaint received 2019-08-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/2019 XXXX XXXX XXXX, XXXX sent me a letter stating they work with people to create flexible payment arrangements to resolve their debt and to visit XXXX or call XXXX for offers to save money. They listed some information from an old debt that I had already paid off years ago.
Consumer complaint received 2019-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MI)

My standard loan payment is {$900.00}. I have this setup as an autodraft. Loancare, my mortgage servicing provider, withdrew {$5900.00} from my account on XX/XX/2019. The sent my account balance into negative and causing me to scramble to get my account back to positive and cover other planned expenses. 

Prior to the autodraft date of XX/XX/XXXX, on or around XX/XX/2019 I logged into the webportal for my loan and noticed the next scheduled withdraw of {$5900.00}. In disbelief, I immediately contacted customer service ( wait time >45mins ). The lady I spoke with stated it was a typo in the system, and they will only withdraw the statement amount ( {$900.00} ). The next day XX/XX/XXXX, as I can not take the risk of this large withdraw. After speaking with multiple people over an hour period, I was told there is nothing that can be done and they are not sure what will be withdrawn from my account the following morning. They did at this time acknowledge the mistake. The following day {$5900.00} was taken from my account. Another phone call led to me emailing a copy of the pending charge from my bank account, with the promise of a check being sent overnight to reimburse. I was told at this time I will receive a follow up call with a tracking number for the check. No call came, no check came. Monday XX/XX/XXXX I called looking for some answers. I get a different supervisor with little knowledge of the situation. She finally is able to see that a check was not issued because the charge was listed as " pending '' on the emailed statement. I then provided another statement, as was told they check will be sent. I asked for a follow up call with the tracking number. Again, no call. Finally, Wednesday XX/XX/XXXX I get a call stating that a check will be issued for overnight delivery. Friday XX/XX/XXXX, after countless hours on the phone, multiple trips to the bank, stress over other bills, etc. I did receive the check for the amount of {$5000.00}.
Consumer complaint received 2020-09-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (PA)

On XXXX of XXXX thia year Money was the loaded onto my U.S. Bank reliacard from my PUA unemployment through the state of Pennsylvania. I went to use my card and it was declined at the  ATM. I tried using it and the register and it was declined there as well. After calling customer affairs on the back of the card i was told to send a fax of my state iD card and priof of my current address. And that my card would be turned back on once that info was reviewed for fraud and found to be true. After sending in the required documents. I am now told it is still in review and can now instead of taking 5 days to view it can tske up to 15 business days?! Thats ridiculous. the review time keeps changing and i can not access the money that was on ky card. Over 2 grand worth now. I have bills and my rent is due. And they will not wait to verify a coupke documents that shouldn't take long at all. That any of the 5 people i have called and talked to couldn't verify themselves.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (MD)

On XXXX XXXX my checking account was unlawfully and unauthorized hacked and {$3900.00} was taken without my consent i have contacted the navy Federal credit union immediately i filed fraudulently paperwork after 20 days of hearing nothing i filed an appeal i was told it was my fault that some one stole my money they would not insure my stolen funds i even filed a aa co police dept report on the theft and the terrible customer service i was given.
Consumer complaint received 2021-05-24
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. (NC)

I sent XXXX and transuion Police report and Ftc report on the XXXX of last month showing this account is not mine and to please at least verify me with proof that ist mine and they just said verified. I would like this deleted from my XXXX and Transunion file.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX  account # XXXX, Open XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I was desperate to find a low cost vehicle and planned on buying used. I am having financial hardship. Went to XXXX XXXX. I requested to see car advertised on XXXX. Price slightly less than {$17000.00}. Nothing explained to me before signing agreement with XXXX and Credit Acceptance Corporation. Payment > $ XXXX/month. I told them I can not afford the payment and broke down crying. I expected a ~ {$13000.00} loan. I put {$4000.00} down. The purchase price was listed as {$23000.00}. {$10000.00} more than expected. I was told ; because of my bad credit the only way a financial company will loan me any money is if its above a certain amount ... .to be determined by the lender. I anticipated higher interest rate but theirs higher than anticipated. 22.99 %. I said well if they require more money for the loan I will get a better car. I was told, oh NO you can not do that. I asked why? Because they will add more money to that loan. I asked about a new car for that amount and told they wont finance a new car. I was being told that I had to do this type of financing because of my bad credit and I felt forced into signing contract because they told me I couldnt do better anywhere else. I asked 2 other car loan companies about their financing and they said they dont do that. One company was XXXX XXXX who sent me your contact information.
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX  account # XXXX, Open XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-09-04
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. (GA)

Since XXXX I have been disputing and challenging the accuracy of these files on my credit and so far no one has validated it. I sent multiple letters and they have yet to adhere to the law.
Consumer complaint received 2019-08-10
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC. (AZ)

i was told that if I consolidated all my student loans that all old late payments and charge offs would be removed from all three reports. XX/XX/2018 my loans were consolidated and items still on report. also have XXXX XXXX XXXX helping with credit repair since XX/XX/2018. They have gotten a lot of the late payments removed. Still have about 68 items left between all three reports left.
Consumer complaint received 2019-08-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SCS Credit Corporation (IN)

I made a loan with SCS credit corporation. The account is open and showing I owe XXXX as of 7 years and 2 months ago. It was a XXXX XXXX XXXX. The car has been repossessed years ago. I am going through a financial crisis and can do longer make such large payment for something I no longer have. Its been such a long time since I had the car.
Consumer complaint received 2021-02-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (TN)

I never gave The CBE Group my direct consent to communicate with me. I received a petition for an alleged debt from them in the amount of {$3100.00}. They list the Internal Revenue Service as a Creditor. I never give out my private dwelling address. I was VERY disturbed when I received something in the mail from an unknown company that I have NEVER done business with. I called the company and I am in possession of the recording where representatives from The CBE Group had access to my private personal information including my social security number. When I responded to the mail they sent me I received one communication where they stated they did not have an account for me but then received two other letters where they stated they were returning an account they referred to " your account '' back to the Internal Revenue Service. It is VERY upsetting and stressful that my information is being transferred without my consent to people I man not giving my direct consent to. I have proof of all documents received from the company and my responses to them along with copies of electronic receipts and tracking numbers from the USPS. I also have two call recordings as well. My information has been breached. The CBE Group is also committing mail fraud by sending me nonmailable matters through the mail. I am sick of the deception and false and misleading communications.
Consumer complaint received 2021-02-01
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. (WA)

I applied for a Mortgage Loan on XX/XX/21 & was denied or received unfavorable rates because of some inaccuracies on my credit report. There are 14 XXXX  XXXX XXXX Student loans that are reporting a 90 day late payment. This does not seem legal or accurate. I was under the impression that these loans were in deferment at the time, when they're saying I was late. Were payments actually due or was the loan in deferment? Was I notified in writing 30 days before these payments were due? Is there any proof that I received the notification in writing or an invoice before they reported me late? I do not recall receiving any invoice or notification from XXXX XXXX XXXX stating that payments were due or that I had any amount past due. If I received a letter or phone call from them, I would have made a payment. 

I'd like to request that the 90 day late payment be removed from all 14 loans. If XXXX XXXXXXXX XXXX refuses to correct the payment history, I'd like to see all paperwork and proof that they are reporting accurately and followed all laws and procedures to notify me before reporting me late.
Consumer complaint received 2021-01-25
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. (TX)

On multiple occasions I have notified Chase Bank Card Services ( XXXX ) of the severe impact of the COVID-19 pandemic on my business dating back to XXXX, 2020 and have asked for COVID- related assistance without success. Presently Chase is reporting negative credit entries on my credit report which is preventing my business from accessing new credit in an effort to get my business back on track ( purchasing business equipment, rehiring employees ). I have not received federal stimulus funding and can not get the status of my SBA disaster loan funding application.
Consumer complaint received 2022-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

In XXXX I opened a credit card with XXXX XXXX XXXX, but only kept it for emergencies, did not use it often and paid balances I used. I reported fraud in XXXX and did not pay the fraudulent balance. Then they sent me collection letters so I wrote a dispute letter to the collector, LVNV FUNDING LLC, stating that I dispute this debt. They did not stop sending me collection letters. The LVNV FUNDING LLC is still on my credit report. The total amount they claim I owe is {$1500.00}. Its been over 6 years.
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Adjusters, LLC (NM)

I have been getting calls from a company called National Credit Adjusters after I already sent a letter requesting debt validation. They claimed that does n't matter and that I have to work something out today or they will take legal action. They are calling me at work after I requested debt validation. The last call was on XX/XX/XXXX at work. 

They insist that I call them and " work something out '' with them. No, they have not provided requested documentation.
Consumer complaint received 2017-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Site will not up load pdf. 

Nationsbanc Mortgage Corp. falsely and fraudulently invoked the jurisdiction of Ohio courts by claiming to be the " owner and holder '' of my note and mortgage. In fact they did not acquire the note and mortgage until three years after filing suit. No " confession of error '' was ever filed by the plaintiff thus wasting judicial resources and perpetuating the fraud for years on end under the color of law to hide the fact that they had no standing to sue. 

XXXX I believe will be familiar with my name at the time he was Ohio Attorney General.
Consumer complaint received 2021-02-01
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (OK)

In XXXX of last year I ask for a covid relief with XXXX XXXX. They granted it for three months, then when that was over they just rolled me into another 3 months without my permission. I used a total of 5 months. In XXXX of XXXX I started making regular and on time payments. I requested a loan modification in XXXX of XXXX and they agreed, but stalled and stalled. I had a hard time making payments as well as they would seldom pick up the phone, often it took me days to pay as I was not allowed to do direct payment any more. I am XXXX XXXX XXXXXXXX  as a veteran so I have as of XXXX of XXXX gotten a 100 % exemption on my taxes. They have not sent me a refund yet either. They have adjusted my payments now but not letting me know details, where did my XXXX go from last years taxes? Now today I called them and they rose my payments from XXXX monthly to XXXX monthly with no explanation. My va rep is very frustrated that after 4 attempts to contact them they are still not returning any messages. Please help I have no mortgage help at all. They say I owe XXXX but I do not I only used 5 months of deferral, they said they would put the XXXX at the back of the loan but it does look this way. Nobody will help me, nobody will tell me how they came up with these numbers, nobody. I ask now 7 times for a list of all my payments and what my mortgage is made up of and they will not respond. I have no mortgage company they are a ruthlessness ship. I am begging you to help me : If feel they are stealing my tax money ....