davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-31
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. (CA)

I disputed one XXXX XXXX various times on XXXX, XXXX, and XXXX with Experian do to account being fraudulent and it still showing up on my report.
Consumer complaint received 2021-01-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

My dispute is with Bank of America ( XXXX Visa Credit Card ) and XXXX XXXX credit reporting. It started with an honest mistake with Bank of America and one I owned up to, which totaled less than {$100.00}. It negated 20 years of great credit in one action made by XXXX XXXX credit reporting agency. When I went to the XXXX XXXX website to see my credit report there is little or no information. The whole website is set up to avoid personal contact and to get you to purchase additional information at a cost. By their actions my line of credit with Bank of America went from {$5000.00} to {$500.00}. In my entire life ( I am XXXX yrs. old ) and 37 years in XXXX XXXX never been treated so poorly. As an XXXX I always strived to have any action I take be appropriate and consistent. I have never missed a mortgage payment since buying my first home in XXXX, WA. I have never missed an auto payment in my entire life. I have no credit card debit. I own my home outright. My truck is paid off. I am debt free. How Bank of America and XXXX XXXX came to the conclusion that I was a risk given my history is a question I would like answered. When I said I owned up to my initial mistake, here is what happened. I always pay my credit card off and try and maintain a XXXX balance. As a result I never saw a need to sign up for email alerts or notices and my card. Me and my wife purchased a XXXX during the start of COVID and she placed the monthly membership on the same card as we used to purchase the stationary bike. I immediately paid the bike off and was not aware the membership was going to go to that card. As a result 2 payments went by unnoticed. I was finally made aware or contacted about the issue and I immediately paid the 2 months and brought the balance of the card back to {$0.00}. Apparently Bank of America lets XXXX XXXX handle these issues and I have shared what their website and lack of communication looks like. I take pride in paying my bills and not owing anything. I cant tell you have this has impacted me and what I stand for. In my letter from Bank of America denying my latest request for a higher credit line it paints me like I have a history of delinquency and multiple problems. I challenge Bank of America and XXXX XXXX to indicate to me what other issues they have that would lead to the decision that was made. I hope that your agency can lead to some sort of fair resolution and open communication. I am eager to hear back from you. XXXX XXXX.
Consumer complaint received 2024-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (FL)

I have been making payments of {$200.00} per month since XXXX, XXXX to date. Prior to XX/XX/XXXX, I was paying {$98.00} per month from about XX/XX/XXXX. All this payments were made thru auto Debit from my checking account. Approximately XXXX weeks ago I started to check my account statements and found out that only {$120.00} from the {$200.00} actually paying towards my loan. The rest of {$91.00} is unaccounted for. I spoke to XXXX supervisor at Nelnet name XXXX on XX/XX/XXXX, and he has no answer to where the missing money went. 

Please help me get answers.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

My purse was taken in XXXX. I've been monitoring my credit profile and accounts. I recently pulled a copy of my credit report and noticed accounts and inquiries that are not mine nor have I authorized. I reached out to the credit reporting agencies requesting verification. These accounts are not verifiable. 
I have the right to privacy, and these accounts with XXXX XXXX XXXX XXXX XXXXXXXX have been furnished to my profile without my written consent which is in violation of 15 USC 1681B. 
Again I have no knowledge of the accounts or credit inquiries from XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I requested with each agency that all fraudulent addresses are removed from my profile.
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (NC)

Received letter from AmerAssist A/R Solutions , Inc., regarding a debt from XXXX, XXXX. Account number XXXX this debt does not belong to me. Wish to dispute this and cease communication with the collection agency.
Consumer complaint received 2016-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: LEXISNEXIS (FL)

A subject selection for my issue is not available so I improvised ... 

My homeowners insurance company notified me that my renewal " premium has been adversely affected by information received from LexisNexis ''. The impact is {$68.00}. 
I obtained a copy of the credit report. 

The report reflects that I have XXXX accounts with high credit over {$530000.00}. What they are doing is adding up every single account I have opened in my entire credit history, which they have since XXXX. The reality is that I replaced XXXX cars every 3 years. Report includes all my car loans starting in XXXX. What is the relevance of a car loan I took 23 years ago? How absurd is this? Even though I 've never had a late payment, the length of my history works against me. The report does not distinguish between " concurrently open '', " historically '' and " currently open ''. It is adding together without any distinction among mortgage, car loans and credit cards. 

The report is supposed to provide a fair representation of my insurance risk, yet the ways LexisNexis is going about it is discriminatory against those with lengthy history. And those with lengthy history are by definition older and deserve the protection of the law!
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I demand the removal of this late payment from my account as it does not accurately represent my payment history. I have diligently made timely payments, and it's unfair to be penalized with this erroneous entry. Please update my account promptly.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

Hello, my name is and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2019-05-17
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc. (TX)

I have been receiving calls from this company for over two years. I do not know the person they are trying to call. I have told them it is a wrong number, but they disconnect the call and call again. When I ask for a supervisor, I am put on hold for over 30 minutes then disconnected. They have refused to remove my number from this account.
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I was sent a promotion of a credit card, " prepared for '' me. I applied forthe " XXXX '' credit card, after which I wassent a letter that said I had too high of credit balances. Yes, I had XXXXcredit cards, XXXX with a balance of {$17000.00} and XXXX with a balance of {$18000.00} because those cards gave me an extended promotionalperiod with XXXX interest. I have XXXX times as much money in mysavings account as my credit card balances and I always pay mycards entire balance off each month ( unless they give me a promoat zero % interest, in which case I always pay the minimum paymentas they require. Upon receipt of the refusal notice, I called all mycredit cards and either cancelled them or reduced the credit limit totheir minimum, and paid all of them off except for the one with abalance of {$18000.00}. The reason I am writing you, within a weekor two of my refusal, I receive the same promotion for the samecredit card, for which I applied again, thinking I have cleaned upmy unused credit cards and I have reduced the credit limits for thoseI kept, except for the XXXX mentioned. However, just today I receivedanother refusal letter, stating there were " too many inquiries on mycredit file and you have sufficient utilization of your credit ''. Yes, I hadtoo many inquiries I suspect because every time they change a creditlimit, even if I requested it be reduced, there was an inquiry. I suspectevery time I cancelled a card, it was recorded on my credit file. Now, being given a reason that " you have sufficient utilization of your credit '' means what - darned if I know. Yes, if they give me 0 % interest, I amgoing to utilize that credit as long as they let me! The real irony is thatmy husband and I have over XXXX XXXX in assets and over XXXX XXXX inliquid assets which we can use to pay off that {$18000.00} as soon as the0 % promotional period ends. We were able to save those assets bybeing " cheap '', such as using 0 % promotional offers. Granted, Bank ofAmerica does n't make as much money off of me as those that run abalance and pay what I think is excessive credit card interest. 
However, do n't send me repeated promotions once they haveturned me down. Also, I do n't think it is right to refuse an applicantonce they determine that I do n't pay credit card companies or banksthat offer them interest. If they are going to send me letter after letterafter letter telling me why I should apply for a credit card, but onlyapprove me if they think I will run up a balance, get in over my headand make them more money, that just is n't right!! Yes, I know thecredit reporting companies are not perfect, but the credit report andsystem is tilted towards banks so they can charge interest and makemoney. I paid off my mortgage as quickly as possible and flat out don'tpay interest. If they are going to penalize me because I have $ XXXXXXXXon a credit card that offered me that 0 % promotion when I have XXXXthat in savings that just is n't right, even if they do n't make as muchmoney off of me as they think they should.
Consumer complaint received 2015-04-20
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CA)

multiple late fees and charges on paid off credit card. continuously makes up new charges then adds late fee and then interest on late fee. Reversed all fee last month then charged interest on reversal and with late fee and more interest. Called to day for help and was told because its my due date just to pay XXXX and they wont charge me XXXX + more late fees on all wrong charges. ARE YOU SERIOUS ( extortion )
Consumer complaint received 2024-02-10
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. (IL)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports.
Consumer complaint received 2021-01-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I believe I am a victim of Identity Theft. I pulled my reports from all three credit bureaus recently and they all had accounts that I did not recognize as well as inaccurate personal information.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

I have had this credit care for dental work done last XXXX ( 2023 ). I was paying XXXX a month. Every time I would make a payment it would say that I'm in the negatives. This card was approved for XXXX dollars, which was taken out all at once for XXXX XXXX. How is it that after a few payments on time my payments jumped XXXX a month. Those few payments I made never paid it out of the negatives. Now they have put this card on my credit report. I was supposed to have no interest up to six months. Now I am almost at XXXX dollars in the negatives when the max limit was XXXX dollars. The negative started with my first payment.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2021-01-20
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. (OK)

I submitted documentation including a FTC report ID number along w/documents verifying my identity. I encourage you to take the time to actually look at this time instead of blowing me off with a generic response that does nothing but try to make the consumer look like an XXXX XXXX. This is now my third time trying to resolve this issue with you, Transunion. Once w/you directly an twice now through CFPB. I strongly advise you to take action this time so we are not forced to escalate this matter further. You are essentially harassing a victim and tossing their pain and suffering as a result of ID theft to the wind. Probably not a pretty picture to be painted for your image
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXXXXXX 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.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-11-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

MY COMPANY HAD SOLD JEWELRY TO AN INDIVIDUAL VIA OUR ONLINE WEBSTORE. WE SHIPPED THEIR ITEM AND THEY RECEIVED EVERYTHING. THE BUYER THEN INITIATED A CHARGEBACK ON THE ITEM WE HAD SHIPPED TO THEM STATING THE ITEM WAS NOT " AS DESCRIBED ''. PAYPAL HAD AUTOMATICALLY SIDED WITH THE BUYER AND WE LOST {$980.00}. IF IN FACT THE BUYER HAD STATED THE ITEM WAS NOT " AS DESCRIBED '' THEN WHY WAS THERE NO OPTION FOR THE BUYER TO SHIP BACK OUR PRODUCT BEFORE THE FUNDS GO BACK TO THE BUYER??? THAT IS ABSOLUTE FRAUD AND PAYPAL DOES NOT PROTECT SELLERS AS THEY STATE ON THEIR AGREEMENT/TERMS. IT IS VERY UNFORTUNATE THAT PAYPAL DOES NOT CARE ABOUT THEIR LEGITIMATE SELLERS WHICH PAY THEIR FEES. YOU GUYS TAKE OUR MONEY FROM FEES AND CHOOSE NOT TO PROTECT SELLERS WHICH GIVES YOU GUYS XXXX AND XXXX OF DOLLARS?? WE DEMAND PAYPAL GET TO THE BOTTOM OF THIS OR WE WILL GET A LAWYER INVOLVED. WE HAD NOT NOTICED THIS TRANSACTION UNTIL WE WENT THROUGH OUR BOOKS RECENTLY. 

DETAILS OF TRANSACTION : Transaction ID : XXXX Purchase Total {$1100.00} USD Sales Tax {$0.00} USD Shipping Amount {$45.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Discount- {$160.00} USD ( TransactionDiscount ) Gross Amount {$980.00} USD PayPal Fee- {$28.00} USD Net Amount {$950.00} USD Invoice XXXX WE HAD SHIPPED TO VERIFIED AND CONFIRMED ADDRESS AND THE SHIPMENT WAS SIGNED FOR BY THE SCAMMER " PURCHASER ''.
Consumer complaint received 2017-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I settled a {$1200.00} balance for {$600.00} with XXXX in XXXX. I have attached a copy of that payment from my checking account. In XXXX I disputed the {$1200.00} balance still showing on the file and Equifax 's response was " disputed meets FCRA requirements ''. How can it meet requirements if I settled it? They either did n't bother to send it to XXXX to verify XXXX XXXX XXXX XXXX took my money and left the balance. This is a violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: JPMORGAN CHASE & CO. (ID)

I received a call from XXXX stating they were chase bank and someone had opened a credit card in my name and charged XXXX to it they then proceeded to read off for other of my credit cards # 's- expiration dates and XXXX digit codes and balances. they had my ss # and home address. as the call proceeded they said they transferred to this company CFPB to some one named XXXX XXXX and she had my complete credit report information. she then wanted to transfer me to a debt settlement company. 
I hung up I have now received XXXX phone calls non stop. 


This was complete fraud I have locked my credit reports but I wanted to report that number that called me stating they were from chase bank. 

These are the numbers calling me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (FL)

The department of education and the servicer AI advantage is yet to take any action on my student loans. I consolidated by loans awaiting action pending my defense to repayment which was filed almost a decade ago. The department of education agreed I was defrauded and issued a letter that my loans were to be cancelled. After waiting years and filing disputes, still no action has been taken. The department of education provided guidance that in order to be eligible for cancellation that I would have to consolidate my loans, which I applied to. The Department provided that I was approved for the SAVE plan and sent my info the AiAdvantage, the servicer. NO ACTION has been taken on my loans. The information on the website is lists administrative forbearance with payment due more than a decade from now, but is actively reporting on my credit as due even though the balances are incorrect. Its not clear what is happening or why. The balances reflected make no sense. Where is my loan cancellation, why has the SAVE plan that I was apparently approved for not executed? Where are the credits applied towards cancellation? Agents from all agencies cant articulate what is happening. Only that I'm in process, but they dont event know what I'm in process for. The information provided is incorrect and incomplete. 

My student loans have been subject to numerous enforcement actions- All which ( as written by the Department of Education ) were to result in full discharge and cancellation many years ago. Despite this, I am yet to obtain ANY of the cancellations and discharges of debt promised. I continue to be charged compounding interest multiplying the student loan debt which was to be cancelled in its entirety. Therefore, I am disputing the entire student loan balance as invalid. The department of education approved my Borrower Defense to repayment acknowledging that I among many other students had been defrauded by my university and suffered for many years. I continue to be financially impacted by the compounding interest, lost opportunities and negative impact to my credit score resulting in paying more despite being a financially responsible person. Whats more, In addition to the egregious acts committed by my school, XXXX XXXX and Navient took advantage of me for years, steering me into forbearance plans instead of federal relief programs for which I was eligible for. It seemed as if justice had finally come, but to date none of the promised actions have been taken by the Department of Education or XXXX XXXXNavient or AiAdvantage concerning my loans, and the credit unions are continuing to incorrectly report the debt as valid. I am requesting full and complete cancellation of all of the student loan balances ascribed to me, refund of any and all monies paid, and the complete removal of all references to the invalid debt being reported by the credit bureaus.