davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/2022 I received an alert via text and email possible fraudulent changes were being attempted. I called the bank and spoke with a representative stating I did not make said charges and asked if the charges went through. I was told no. I informed the representative I had downloaded the card on my XXXX XXXX  during the account set up and I had not physically received the card in the mail. I ask that a new card be sent to my door instead of the mailbox as I live in a HOA and the mailboxes are are placed in certain areas of the community for access. I received my new card and all seemed to be in order until the charge showed up on the new credit card and no explanation was given and case was closed. I called in and spoke with another associate and she stated that she notes showed that I cancelled the request which I did not. I asked the case be opened back up because the charge was FRAUD. Called in again and was told that the investigate showed a chip was used in the same location as where I live so it must have been me. Advise that I file a Police Report, which I did, maybe they would be able to get video footage of the person making the charges. I feel as if they misrepresented the fact that the charges did not go through when indeed they had and did a poor investigation internally just to get me out of there hair.
Consumer complaint received 2022-06-23
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: TD BANK US HOLDING COMPANY (PA)

In accordance with the Fair Credit Reporting Nordstrom/TD 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 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

COMPANY AT FAULT : XXXX XXXX XXXX XXXX THIS COMPANY HAS REPORTED NEGATIVE INACCURATE INFORMATION ON MY CREDIT REPORTS. IT HAS CAUSE SEVERE HARM TO MY CREDIT SCORE AND IMAGE. 
I HAVE SPOKEN TO THIS COMPANY PREVIOUSLY AND EXPLAIN TO THEM THAT THEY HAVE NO RIGHT TO REPORT ANYTHING ON MY REPORT. 
THEY ARE APPARENTLY PURCHASED A PACK OF DEBT, AND HAVE BEEN HARRASSING ME WITH CALLS DESPITE I TOLD THEM THE DEBT THEY ARE TRYING TO COLLECT ON WAS DISCHARGE IN XX/XX/2020 THROUGH XXXX XXXX  BANKRUPCY COURT. 
I HAVE TOLD THEM THAT " XXXX " THE COMPANY THEY TRYING TO HARRASS ME ABOUT WAS AT COURT AND THEY DEBT WAS {$00.00} DISCHARGED AND SHOWS ON MY CREDIT PROFILE AS XXXX XXXX XXXXLREADY NOW THIS COMPANY XXXX XXXX XXXX XXXX, HAS ADDED THIS A COLLECTION WHICH THEY SHOULD NOT HAVE. 
ACCT XXXX THEY ARE LISTED AS DEBT BUYER- BUT ON A DEBT CHARGES OFF IN 2020 XXXX XXXX I MAILED THEM COPIES AND DESPITE THEY ARE ADDING THIS TO MY CREDIT REPORTS, THEN REMOVE IT AND NOW HAVE ADDED IT BACK ON. 

I HAVE SENT PROOF TO ALL THREE BUREAUS AS WELL, THEY TAKE IT OFF THEN PUT IT BACK AS WELL. NO CONSISTENCY WITH ANYONE AND ITS ILLEGAL.
Consumer complaint received 2022-04-13
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. (GA)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (FL)

I filed a chapter XXXX bankruptcy in XXXX. I recently received an alert on my credit for {$1100.00}. The first time I called credit management llc., the representative was very rude and did not want to give me any information on what they had, so I ended the call. They apparently reported on my husband credit as well and he spoke to someone and we explained the situation but still they werent listening but that there was a second account but wouldnt say what it was. I got another alert today XX/XX/XXXX and I called and it was the same thing, one closed account and another open account but they wont say what but they have my maiden name on file.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA Federal Savings Bank at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX has failed to issue proceeds from a deceased 's account in accordance with the final order of the XXXX XXXX. USAA retains these funds without explanation or corrective action. The funds of the deceased, XXXX XXXX ( account ending XXXX in the amount of {$25000.00} ) were to be distributed as 50 % to XXXX XXXX and 50 % to the Estate of XXXX XXXX per the Final Order of the XXXX XXXX. The certified court order was mailed to USAA XXXX XXXX on XX/XX/2021. USAA Bank issued a check in the amount of {$25000.00} on XX/XX/2021 payable to the Estate of XXXX XXXX and mailed this check to XXXX XXXX. XXXX XXXX could not do anything with this check because the XXXX XXXX did not authorize establishment of such an account per Summary Probate process in Florida. No Bank will set up such an account without XXXX XXXX authorizing such. The check as issued is not viable. The check was returned to USAA received there on XXXX XXXX. XXXX XXXX has explained this in numerous telephone calls and letters. USAA continues to hold the funds without explanation or correction. The last indication that USAA was doing anything was an email received XXXX XXXX XXXX XXXX USAA XXXX XXXX XXXX that she was researching the matter and she would be in touch. XXXX XXXX has not been in touch despite numerous telephone calls. The Judge for the Probate of the XXXX XXXX has held 2 Order to Show Cause Hearings wanting to know why funds have not been distributed to the XXXX XXXX as Court Ordered. The heirs are without funds ordered to be paid them and expenses are piling up as legal fees and court time are devoted to finding out why USAA has not complied with a court order. USAA has been advise that the Judge has set Orders To Show Cause Hearings.
Consumer complaint received 2021-10-14
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: USCB, Inc. (CA)

This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (MI)

I got an hard inquiry from Chase bank without my permission. I asked Chase Bank to increase the credit limit of my credit card and applied for another credit card at the same day on XX/XX/2019. They approved the limit increase but declined the credit card application. I applied for reconsideration on XX/XX/2019, and they pulled the credit report again, without letting me know at all. I called them later to remove the hard inquiry, but they refused to do so.
Consumer complaint received 2022-06-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dynamic Recovery Solutions, LLC (OH)

I received a letter in the mail to collect a debt from a collection agency ( Dynamic Recovery Solutions ) dated XX/XX/XXXX, however, I did not receive it until XX/XX/XXXX. 

The debt is from XXXX XXXX XXXX, XXXX for {$2000.00}. I never once received a medical bill from XXXX XXXX XXXX XXXXXXXX regarding said debt nor do I recall visiting a facility that is in connection with XXXX XXXX XXXX XXXX. 

When I contacted the collection agency ( Dynamic Recovery Solutions ) on XX/XX/XXXX, I advised them to send me an itemized statement showing me what the debt was for and which XXXX XXXX XXXX XXXX XXXX XXXX sent the bill to collections. There are multiple XXXX XXXX XXXX, LLPs. I received a response from the collection agency on XX/XX/XXXX. The collection agency could not provide me with any of the requested information. Instead, they just told me that it was from service on XX/XX/XXXX. This also doesn't make sense as to why I NEVER once received a bill from service on XX/XX/XXXX from XXXX XXXX XXXX XXXX and why I would just now, 4 years later be receiving a collections notice regarding a bill that I never once received or knew existed. 

I am refusing to pay said debt considering I never once received a medical bill from XXXX XXXX XXXXXXXX for the service date of XX/XX/XXXX. Not to mention, even if this was an actual medical bill I had received, there is no way my insurance wouldn't have covered a vast majority of the cost. I have never had a medical bill over {$500.00}. 

So please, I am requested to not pay this debt. 

Thank you!
Consumer complaint received 2021-01-21
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. (TX)

I have made many many complaints to CFPB on XXXX XXXX for fraud and identity theft in XXXX. Attached is IRS FORM 14039 Fraud Affidavit. Hopefully XXXX XXXX will recognize the identity theft, forgery, and fraud this time. I have already submitted in previous complaints multiple documents including the XX/XX/2017 sheriffs report and felony information on the thief for forgery and false pretenses. Recognize the fraud and remove the negative listing on my credit report. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid 700s. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled.
Consumer complaint received 2022-04-13
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: Experian Information Solutions Inc. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : EXPERIAN : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX  XXXX XX/XX/XXXX XXXX : 1. XXXX  XX/XX/XXXX XXXX : 1. XXXX  XXXX XX/XX/XXXX 2. XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: FIFTH THIRD FINANCIAL CORPORATION (VA)

I got a deposit from VA lottery on XX/XX/2021 for {$170.00} to my XXXX XXXX card and it settled on XX/XX/2021 but the money never posted to my account. For the past month and more I have been trying to get my money. I called XXXX today and was hung up on several times. One time I talked to a girl and she said where she see the money came but never posted and she would reach out to VA lottery to get some info from them. She told me she would call me back within and hour, several hours passed so I called back and a manager told me no one would tell me they would call me back and that the VA lottery tried to deposit the money from an ATM before he hung up on me. I continuously called back and never got anyone with XXXX to find my money so now its come to this because its sounding like fraud. I called VA lottery ( XXXX, opt. 1 ) and talked to the supervisor XXXX XXXX because he now knows me because Ive called him continuously for over a month because I thought they never sent it. Comes out to be XXXX fault all the way around and they had me thinking it was VA lottery. VA lottery provide screenshots of the money they sent.
Consumer complaint received 2021-04-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Consumer complaint received 2023-01-13
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. (CA)

I recently received a copy of my credit report and noticed that you are reporting unauthorized inquiries on it. 
I have contacted the following Creditors below and they have no proof I Initiated these inquiries, no written authorization and have failed to provide reason for them reporting the inquiries on my credit report. 
According to Section 604 of the Fair Credit Reporting Act Permissible purposes of Consumers Report 15 U.S. Code FCRA, 15 U.S.Code 1681B In general. Subject to Subsection, any consumer agency may furnish a consumer report under the following circumstance and no other. 
( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by consumer. 
Under 15 U.S.Code 1681i, Paragraph ( 5 ) treatment of inaccurate or unverifiable information. 
( A ) in general. If, after any reinvestigation under paragraph ( XXXX ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The Following Inquiries are Unauthorized : XXXX XXXX  - XX/XX/XXXXXXXX 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 XXXXXXXX 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 XX/XX/XXXXXXXX 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  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX LA XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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 XX/XX/XXXXXXXX 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 - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Best Regards, XXXX XXXX XXXX
Consumer complaint received 2021-10-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation (NC)

The company did a skip trace without needing it and called my ex husband, whom I have an injunction against. This company claims to not have a valid phone number for me. I have had the same cell phone number since XXXX and the same work number since XXXX. I told them that they might of dialed a wrong number by accident and they refused to take accountability. My cell phone hasnt been disconnected and no one uses it but me. Also they never attempted to contact me by mail. Doing a skip trace for an account that wasnt even 30 days past due is going to far. Also contacting someone I have XXXX  in XXXX makes no sense to me. This violates my privacy, they told him I was late with my payment. What makes me more upset is that they are blaming me when Ive done nothing wrong. I do not want them to ever call that man again. And before skip tracing me, they should at least contact me by mail. Dont you think?
Consumer complaint received 2021-01-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (CT)

Hello, I have a mortgage with Amerihome. They are charging me {$20000.00} and refuse to do a loan modification. as many Americans during the COVID-19 pandemic, I was given a forbearance. I was then given and approved a partial claim - they did not send me paper work until late and then denied my claim because they said I didnt return documents on time. I returned them after I received them. Then then reversed the denial after a multitude of calls and emails and faxes from me. Now, its been 5 months and I have called and faxed and emailed and always get different information. I frequent to speak to a supervisor and they always escalate my call and promise Ill get a call back and NEVER call me back. Ive been dealing with this since XXXX and they are charging me late fees and negative credit reporting, however, no one is working on my loan modification as Im entitled to by the government. I desperately need help.
Consumer complaint received 2022-06-23
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. (NC)

I have recently been informed that there is negative information reported by the Following companies in the file you maintain under my Social Security number : XXXX ) Account name : XXXXDEPT OF ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX. XXXX, XXXX Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : US DEPT ED Account number : XXXX Date Opened : XX/XX/XXXX XXXX ) Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT These accounts were opened FRAUDULENT There are errors within the account information Upon reviewing a copy of my credit report, I see an entry listing CLOSED OR COLLECTION, such as I owe said amount or my account was charged off said amount ] in [ month/ year ]. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with [ name of creditor, collection agency, or court ] and provide me with copies of any documentation associated with this account, bearing my signature.
Consumer complaint received 2021-11-22
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$8000.00} XXXX XXXXXXXX Balance Owed : {$9700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXBalance Owed : {$1000.00} XXXX XXXX Balance Owed : {$9700.00} XXXX XXXXBalance Owed : {$8100.00}
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.
Consumer complaint received 2022-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I made a purchase through my XXXX with XXXX which automatically takes the funds from my checking account held at Citizens Bank. This transaction was refunded the same day by XXXX and the funds were then automatically sent from XXXX back to my Citizens Bank checking account ( XXXX XXXX XXXX XXXX in the amount of XXXX. This all occurred on XX/XX/2022. The funds have not been put into my Citizens Bank account although XXXX has provided me a confirmation number and I have evidence of the transactions. I have called Citizens Bank who can only file a claim and refuse to allow me to send them my documents regarding the transactions. I really need this money and they arent helping me get this taken care of properly or quickly. This is causing my account to be overdrafted and I really need the funds. Please help me get Citizens Bank to put my money into my account.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This account was charged off on the following date ( XXXX, 2024 ) since then this account has incorrectly been reported as a charged off account with a balance due. A charge off account should NOT have a past due balance. This inaccurate information is highly injurious to my ability to obtain credit. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX  XXXX Account number XXXX