davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-29
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: EQUIFAX, INC. (VA)

Hello there. It seems there are accounts on my credit profile that does not belong there. I am a victim of identity theft. I'm contacting you so you can assist me with removing these accounts. I followed all the steps mentioned online. I have the identity theft affidavit as well as the two accounts I'm referring to attached.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I went to the atm in the Chase bank located on XXXX XXXX XXXX to withdraw {$60.00}. XXXX XX/XX/XXXX at XXXX am I received a text from the Chase fruad department asking to verify a bank withdrawal of {$200.00}. I declined it. My card was closed and new one was issued. I reached out to customer service when I got home from work to report 14 transactions of fraud from my account. I received a temporary credit of {$400.00} and it was reversed and taken away again. In total I was scammed out of {$3800.00}. I spoke to to a banking representative XX/XX/XXXX asking for the letter I was supposed to receive and asking for help. The bank informed me that they could not help me. I requested atm footage to prove I did not withdraw the money in question and the bank also denied that request. I then went to the XXXX precinct located at XXXX XXXX XXXX in XXXX and filled out a police report. I have provided the bank with said report and no one is investigating my claim. I am a victim of scam and fraud and I do not believe that the bank is doing what they need to do to resolve this issue. How does this branch allow scam at the location and do not protect their clients?
Consumer complaint received 2021-11-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I purchased a new XXXX  XXXX XXXX XXXX back inXX/XX/2019. The vehicle starting giving problems a month or two after purchase. I took the vehicle back to the dealership with ( brake noises ) concerns, which turned out to be the rear axle. Even after the repairs, the problem still processed. So I started my XXXX XXXX case with the XXXX and XXXX. In the XXXX  letter of responsibility did no state I would have to cover negative equity, so I proceeded to purchase another vehicle to prepare for the repurchase. A week later XXXX sent over the repurchase letter, which stated I would owe {$14000.00}, in order for them to buy back a defective truck. I didnt have the funds so it triggered a repossession to take place.
Consumer complaint received 2021-12-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (GA)

GM Financial has caused our two income household to become a one income household due to misinformation given throughout the entire lien and title transfer process. 

I was informed by agents that this information could be faxed to the county tag office in Georgia, which is incorrect. 
I was informed that the information could be expedited by both the State of Georgia and Florida to which they were willing to provide information, but my lien holder, GM Financial refused to cooperate. 

Due to this issue, now we are facing financial hardship. 

I was informed by an agent that I could request a payment deferral and it would be placed on the backed of my lien. When I called in to defer the payment I was told that there would be a {$62.00} ( USD ) charge in order to even process the payment deferral which I was NOT previously informed of. 

I was also informed that GM Financial does not have a compliance ( legal ) department when I requested to speak with them which is also incorrect information This has been an issue since XX/XX/2021.
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have been reaching out to the Dep of Education for months trying to update/correct inaccurate items on my credit reports. First, I contacted the credit bureaus and they replied back that the accounts were accurate and reporting correctly. Everytime I contact them I keep getting the same response but my credit reports shows differently. I have several accounts reporting from the Dept of Ed and all of these accounts are reporting inaccurately. According to the FCRA, all information on your credit report should be reporting 100 % accurately or it should be removed from my credit reports. The laws are clearly being broken and my rights as a consumer has been violated more than once. 

All accounts reporting from the Dept of Ed are inaccurate ... missing incomplete account numbers, inaccurate late payments that does not match my records, closed accounts still reporting balances, inaccurate account balances just to name a few violations that are constantly being overlooked but they still reporting inaccurately to my reports.
Consumer complaint received 2021-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (TX)

Kabbage emailed a targeted promotion to my email address ( XXXX ) offering a {$300.00} cash bonus when completing the following requirements : 1. Open a new Kabbage business checking and make a deposit 2. Complete a miminum of five qualifying debit purchases 3. Wait up to 8 weeks for bonus to post These requirements were completed in XXXX. After many, many hours waiting on hold with Kabbage, they verbally confirmed the bonus was pending and should have already posted, but they were having " backend technical issues. '' They promised me the {$300.00} bonus would post by the first week of XXXX. 

Nothing ever happened. Multiple emails to customer service went unanswered. Secure messages from within the account went unanswered. When you call the posted customer service phone number, after waiting on hold for 1-2 hours, the system automatically ends the call. It's the worst, most disorganized mess of a bank. I've read hundreds of similar complaints online. Kabbage eventually made the {$300.00} checking account bonus available to everyone, and I suspect that they were completely unprepared to handle the customer service requests resulting from this bonus offer. 

I never received the {$300.00} bonus. Kabbage is also withholding {$51.00} of my own deposits. To this day I can not get anybody on the phone to close the account or withdraw my funds.
Consumer complaint received 2021-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (MO)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WAS FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX OPENED : XX/XX/2021 XXXX. XXXX
Consumer complaint received 2021-12-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I am in forbearance which I started in XX/XX/2021. When I started this I read all the information about it. But never saw anything about if I do this I would not be able to get another loan once Im out of forbearance unless I make XXXX payments in a row. Thats not what upsets me is fast forward to XXXX and I want to put the house on the market to sell. That is when i find out about the XXXX payments. I have sold my house and will be paying off the mortgage in a lump sum all at once. So I will not be able to Make XXXX payments so does that mean that I have to wait to one year to buy another house? I dont think thats fair. I am paying my obligation off in a lump some. So why am I being punished for something that was out of my hands?
Consumer complaint received 2021-12-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

We had XXXX XXXX payments scheduled with our bank USAA Federal Savings Bank returned by the vendor, our mortgage company, XXXX Mortgage dba XXXX XXXX, but not credited to my checking account. 

Our home loan was held by XXXX when XXXX XXXX purchased that company several years ago. At the time, XXXX XXXX instructed us to continue making payments using the XXXX account number. We paid the bill in this manner for years using USAAs My Bill Pay app on the XXXX. It worked fine, until it didntXXXX XXXXXXXX had assigned a new account number to our mortgage at some point in the distant past. We did not notice, likely because it occurred during a time when I was XXXX with the XXXX, and whats more, the payment had always been accepted. 

On XX/XX/2021 and again on XX/XX/2021, we scheduled payments of {$1400.00} each ( {$2900.00} total ) just as we always have. Funds were withdrawn from XXXX XXXX checking account at USAA and sent to XXXX XXXX account at XXXX XXXX XXXX in XXXX, FL via XXXX. Since XXXX XXXX system could not identify the account number ( which it always had up until then ), they returned the funds on the dates payments were offered. Unfortunately, these funds were not returned to XXXX USAA checking account. 

We spent from late XXXX through XX/XX/2021 working with XXXX XXXX and USAA trying to find out what happened. On that date, XXXX XXXX finally informed us that the funds were returned to USAA and provided trace numbers to corroborate that. XXXX XXXX has also been willing to collaborate directly with USAA ( e.g., not through us ) to determine where these funds landed. Unfortunately, our repeated attempts to get USAA to participate have failed. 

USAA has also cited a 60 day period in which to make a complaint under XXXX regulations. First, we had no idea funds were returned by XXXX XXXX until XXXX XXXX, which is the relevant date in applying these regulations. Also, our calls to USAA began in XXXX, which certainly gave them adequate time to know there was a problem.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Remark removed from account. Bank of America can not tell me what remark was on my account nor what was removed. It dropped my credit score XXXX points. They sent me a generic letter that they did not report any disputes. I need the letter to stated that there was never a remark! I am loosing a great rate refinancing my mortgage. 
I spent hours in the phone - no one can help. They wouldnt provide me a address to write to. 
I spoke with XXXX XXXX.
Consumer complaint received 2021-12-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: U.S. BANCORP (UNITED STATES MINOR OUTLYING ISLANDS)

I initially joined the program with the thoughts of home delivery service and after several weeks gone by. I have found this program will not work for me. For me, it is a waste of time and money. As for me I was looking for a short time guide which could lead me to overall healthier eating options and I knew this would be an option specifically because of the home delivery part which would be essentially the main reason in which I joined. 
I sent my request to cancel and it has continued to charge as here recently. 

This plan was presented with the plans to have home delivery and the food would be preplanned accordingly. For me that would be great and alleviate the thought, time and planning for food. 
Because this plan was presented in a way to alleviate the planning and food prep would be available Now this is not the case and I was and have been willing to wait for the meal prep delivery Though I knew it would be additional charge. For it would be all worth it. 
However, the case here is it was presented that I would have that option but this never happened and I do not have time to facilitate the time for meal planning independently I wanted to take on this purely based on the meal delivery which has not happened due to the fact, the potential contract for home delivery has failed through twice. 
I have waited for the allocated time to reconvene on this matter but it has taken place. On this note I just want to cancel.
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am a victim of identity theft. The information that your company, XXXX  XXXX XXXX is still reporting to my Equifax Credit Report and does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating officer that this matter would be handled by one of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. XXXX  XXXX XXXX, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to XXXX and Equifax. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account # XXXX Phone : XXXX Open : XX/XX/XXXX Last : XX/XX/XXXX High Credit : {$500.00} Limit : {$3000.00}
Consumer complaint received 2022-08-29
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$19000.00}, XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX Balance : {$6500.00}
Consumer complaint received 2021-12-26
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: Experian Information Solutions Inc. (IL)

XXXX have been trying for over two years to get XXXX XXXX XXXX off of my credit report. 
XXXX. Experian continue to do inquiries on my credit report and when with a perfect payment history will not update my credit scores. 
XXXX. XXXX XXXX XXXX XXXX shop approved me a card but refuse to unlock the card and the reasons are that when they call me phone it doesn't ring. I have been trying to work with them for months now. And I have asked is there any other way for them to verify my account since the problems are happening on there end. My phone rings all day long and my three way call works very well. I need this matter corrected. 
XXXX. I have contacted all three bureaus about some inquiries on my credit report which I did not do. I put a credit freeze on them but they still haven't removed them off of my report. These are the following agencies I didn't apply for. 
XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An assistance you are able to give will greatly be appreciated. Thank in advance
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person
Consumer complaint received 2022-03-09
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)

My personal information was taken from a storage unit I had that was auctioned off. I am a victim of identity theft and the following accounts do not belong to me. Please Delete these items immediately. I have reached out to all creditors to let them know as well.
Consumer complaint received 2022-03-12
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: EQUIFAX, INC. (TN)

Equifax mailed me a copy of my credit report after I disputed inaccurate information. Equifax report mailed to me dated XX/XX/XXXX, confirmation # XXXX has information that was deleted from my credit report. Recently, on XX/XX/XXXX, I downloaded my Equifax credit report and nothing has been removed from my credit report. Equifax blatantly lied to me and didn't delete or change anything on my credit file. This is a Strict Willful and Neglect Violation of my Protected Rights under the Fcra. This has been devastating for me financially and had caused my credit file to be unworthy. In my dispute the inaccurate information being reported by Equifax is my address. All hard Inquiries, Public Records, Closed Account World Finance, Collection Account ( New ) XXXX and Associates. The XXXX XXXX Account I'm disputing now, violates federal law " No Surprise Act XXXX '' - Surprise medical bills arise when insured consumers inadvertently receive care from out-of-network hospitals, doctors, or other providers they did not choose. 
in-network hospitalizations for non-emergency care include surprise bills from out-of-network providers ( such as anesthesiologists ) whom the patient did not choose. Surprise medical bills pose financial burdens on consumers when health plans deny out-of-network claims or apply higher out-of-network cost sharing ; consumers also face balance billing from out-of-network providers that have not contracted to accept discounted payment rates from the health plan. 
XXXX Services Surprise billing protections4 apply to most emergency services, including those provided in hospital emergency rooms, freestanding emergency departments, and urgent care centers that are licensed to provide emergency care. The federal law also applies to air ambulance transportation ( emergency and non-emergency ), but not ground XXXX XXXX  care includes screening and stabilizing treatment sought by patients who believe they are experiencing a XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-12
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. (PA)

TransUnion continues to report inaccurate information. They are reporting two accounts, XXXX ( {$11000.00} ) and XXXX ( {$35000.00} ) that were open fraudulently. Both accounts were removed by XXXX and XXXX. This inaccurate reporting continues to affect my ability to secure gainful employment and purchase a home. I have sent numerous letters to Transunion regard this inaccurate reporting.