davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (GA)

This company is showing up on my credit report. I have no idea who they are and theyre reporting negative information a collection on report. I have disputed it with the credit bureaus and it came off one agency. I requested a debt validation from this company or remove it from all credit agencies its reporting to. It shows where its removed from my XXXX report but its still there being reported. It hasnt been removed
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

The date that I sent the money to the scammer : XX/XX/XXXX Amount of money sent : {$2500.00} What happened : I got scammed through XXXX and mobile check deposit from the Bank of America XXXX. There was this guy appearing to be a recruiter for XXXX and he sent the part-time recruitment information to my school email address, with a weekly wage of {$500.00}. I was too careless to notice it was a phishing attempt ( because it was sent to my school email address, and the sender 's email address has the domain .edu so I thought it was legit ), so I replied by stating that I was interested in getting the part-time job. I did what I was told for my first task, which was to deposit a check using my bank app to transfer the money to the email address of the organization he is supporting through XXXX. He said the money will be received by the charity organization to purchase things for children, and I believed that! For the details, first I was told to send the money to XXXX, but it didn't go through, so he told me to send it to XXXX and it went through. He then told me to send him the screenshots of the confirmation of payment to another email address. I actually didn't know how the check works, because after I deposited the check into my account, I saw the fund was available in my bank account the next day and I thought the check was approved. But it turned out that the bank had to verify the check for a couple of days after that, and because it was a fake check, my money was deducted from my account. Until that time did I realize I was scammed. 

Action that I took : I went to the nearest Bank of America branch at XXXX XXXX XXXX XXXX, XXXX, NC XXXX, on XX/XX/XXXX, to report and ask if there would be any solution for this, such as a refund for a scam. But they refused to refund, saying it was me being careless that I transferred the money on my own, so they can not do anything about it.
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION (PA)

Hi, the servicing for my loan was transferred and during the process the old company lost my payment and reported my loan as delinquent. This dropped my credit score by XXXX points. 

From my credit report : Account Name Account Number Balance Monthly Payment XXXX XXXX {$0.00} Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Joint Account Account Type Mortgage Account Loan Type XXXX XXXX XXXX XXXX Date Updated XX/XX/XXXX Payment Received {$0.00} Last Payment Made XX/XX/XXXX Pay Status >Transferred ; was 30 days past due date<
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Today, XX/XX/XXXX, a party attempted to withdraw ~ {$37000.00} from my checking account. The transaction failed because I don't have that much money in my account. 

I call Chase Bank and they indicated a party was attempting to withdraw these funds and I need to call them. I have no idea who this party is, but the bank has effectively locked up my account. I have XXXX children with varying degrees of special needs which requires me to make payments on their behalf and the bank basically told me to go " XXXX myself ''. 

There was no due process ; no notification, just someone trying to empty my bank account and the bank letting them. They indicated there was a " legal notice '' and I asked for the details and a copy of any documentation, and they refused, and gave me a phone number to call. 

How can this happen? My children 's lives are at risk. You realize when you did not break up the banks back in XXXX you only emboldened them.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My business partner and I have a bank account registered under an XXXX with Bank of America. The account has XXXX debit/credit cards, XXXX for each business partner. During XX/XX/XXXX, there were multiple unauthorized transactions made from both cards amounting to {$4300.00}. 

We have reached out to the bank and made several claims, and so far, have recovered {$2600.00} between XX/XX/XXXX and XX/XX/XXXX. We have continued reaching out to the bank to recover the remaining balance of {$1700.00}, but they have been unwilling to solve the problem, claiming they can not access data from over a year ago, hanging up the phone on multiple calls and turning over the claim to another bank officer to start all over again. We scheduled an appointment with them on a local branch only to be turned down once we arrived, where they claimed they can not solve the situation on the branch. 

We have offered to send them copy of our records ( including the relevant bank statements and transaction summaries ) so they can process the claim and reimburse our loss, but they refuse to receive them.
Consumer complaint received 2022-09-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc. (VA)

Letters received XXXX, XXXX and XX/XX/2022 On XX/XX/2022, I requested debt validation from the company. It was ignored. 
On XX/XX/XXXX, I requested validation of debt again. It was ignored. 

In XXXX, the debt was reported to the credit bureaus I have still not received the requested information from the debtor
Consumer complaint received 2022-05-06
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: Experian Information Solutions Inc. (AL)

This account is on my report and it does not belong to me it was opened fraudulently in my name. 

XXXX XXXX  XXXX XX/XX/13 XXXX
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NJ)

XXXX XXXX initial account opened. Somebody was paying bill while buying more items. Latest debt collector sent certified letters to an address I never lived at ( same as others ) should be fraud knowing I don't live there. ( A simple XXXX search would show that ) Debt collector very rude and mean. Billing an address, I never lived at, wrong social security number somebody else 's cell number and bogus work number also an employer I never worked for. Have all paperwork showing the house I bought and live at is different. Application from XXXX wrong work number, wrong cell number, wrong social security number. Debt collector should be fined. Where can I send my proof to? Midland credit management ( current owner Asset Acceptance , LLC ) XXXX XXXX XXXX original creditor XXXX  XXXX. ( Internal legal account no XXXX ) last 4 of original account number XXXX  is all they have on paperwork. XXXX XXXX
Consumer complaint received 2022-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 

15 usc 1681section 602 a states I have a right to privacy 15 usc 1681 section 604 a states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5400.00}
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the accounts, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance $ XXXX Late Dates XXXX, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance $ XXXX Late Dates XXXX
Consumer complaint received 2023-05-26
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: DISCOVER BANK (CA)

On XX/XX/2023 I applied by phone for a Discover card, I was approved but the credit limit approved unacceptable, compared to my other credit cards. I was on the phone with the rep for discover and told them ( Please I do not wish to take this card ) DO NOT OPEN THIS ACCOUNT Please. I called back at least 20 times and spoke with numerous supervisors including opening a case regarding this credit card. All these notations are on my account. I spent hours and hours trying to fix this. Discover told me do not worry this will not be reported to the credit bureaus. 
Yesterday XX/XX/2023, I received an email from XXXX stating my credit score had dropped from XXXX to XXXX in one day. I logged on and saw the reason for this was Discover reported to the bureau as a closed account. Discover had ruined my credit which is perfect, in ONE DAY! 
I have never had any lates, derogatory credit, all low balances, on all cards, No Public records, all credit scores above XXXX. 
This is totally unfair as I work so hard to make sure my credit is always perfect. Under the FCRA- and the CFPB they need to correct this information as It has hurt my credit substantially. This is Defamation of credit. False information has been reported and is a violation of the FCRA. 
NOTE : I am in the middle of purchasing a home and now because of Discover Card has completely ruined my chances of being able to purchase this. I know you help consumers greatly and would appreciate your help enormously. I need Discover to REMOVE this account from my credit bureas ( Delete this account ) I Never approved this card, received this card, or activated this card. I told them DO NOT open this account. A consumer has the right not to take a credit card. Please Help, thank you, XXXX XXXX XXXX
Consumer complaint received 2022-09-19
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: AMERICAN PACIFIC MORTGAGE (CA)

I was referred to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) by the XXXX website since they are handling low to moderate-income families who obtain loans with down payment and closing cost assistance. 
XXXX XXXX XXXX # XXXX, who was the assigned consultant reached out and assured me that she will be able to assist me with my needs. 
As a first-time homebuyer, I made it very clear upfront that I only prefer pre-approval using soft inquiry to learn how much I can get qualified for, how much I can afford, and also have a better understanding of the entire process before diving in with the actual buying process. During the pre-approval process, I was trying to avoid any mishaps or headaches correcting something posted on my credit report which will be a hassle to correct. 
According to XXXX, she did a soft inquiry and provided a pre-approval via email, however, she provided a pre-approval letter to the selected real estate agent ( referral by XXXX ) bypassing me. I received the pre-approval from my real estate agent and not XXXX. This kind of threw me off. After my pre-approval, it appears XXXX did not want to deal with me ( not sure why ) In the meantime, I reviewed the pre-approval and nothing details on that letter made any sense. I typed up all my questions and emailed them to XXXX for answers ( XX/XX/XXXX ). When I did not hear back from her, I called her on XX/XX/XXXX. Right before that phone call, I received an email from XXXX informing me of a credit inquiry on my report. I did not think of anything at that time. During the call, I repeated each of the questions that I had on the pre-approval for XXXX to answer, and I also asked her if she by any chance might have done a hard inquiry on my credit. Her answer was Yes because I think you are ready. I was shocked, and told XXXX, as per our conversation, that I did not consent/permit her to run a hard inquiry yet since I was still making decisions on whether to move forward yet or to wait a little longer. 
She was upset about the situation, making me feel it was my mistake. She told me she can take the hard inquiry off my report. I circled back to her on XX/XX/XXXX checking to see if she did make that call, and her response was I will initiate the process. I followed up again on XX/XX/XXXX requesting an update, and her response was, XXXX, this is not an overnight process will take a while. I dont get updates.. 
At this point, I do not trust her. I am not even sure she did initiate the process to correct my report. This is the type of situation that I was not looking forward to but yet I am going through it. 
I need some help and support to get this fixed. I have all email responses if I need to show them as proof.
Consumer complaint received 2022-09-27
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (OK)

I have two inquires from Capital One Auto Finance. Once was in XXXX and the other was in XX/XX/2021. I purchased a vehicle in XX/XX/2021 and did not authorize them to pull my credit in XX/XX/2021.
Consumer complaint received 2024-10-18
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

I am a XXXX XXXX with no income. The salesman told me that they would offer me special financing that would be interest fee provided I made the fixed monthly payments on time. When I actually received the statement it showed an APR of 35.99 % but no indication of a promotional special financing plan. I called the store to ask about it and they said I didn't qualify and instead did the purchase without a promotion. They did not explain this to me at the store. I do not work and I have no income.
Consumer complaint received 2022-05-06
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. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX CO 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
Consumer complaint received 2022-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This was not sent in error. I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report.
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VT)

XXXX XXXX XXXX DENIED my request to change my payment due date to the XXXX of the month for more than a year ago. Thus, access my bank account 2 times per month on the XXXX of each month and then REPORTING to the credit bureaus INCORRECT INFORMATION about my payments. I should be compensated for this inconvenience because the INCORRECT INFORMATION has affected my credit score as well. 
I also would like to QUESTION the APR because I was given an APR of 16 %. While my white counterpart who 1 a man and the second a woman with the same credit score got a LOWER APR. 
I will like to get REASON ( S ) why my APR was so high when I have a SSD check yearly statement as proof of my INCOME, lived at the same RENTAL since 2014, paid all my utilities gas, water, heat, cable and electric bills as well. One the the white person who received a LOWER APR WAS HOMELESS AND THE OTHER HAD A CREDIT SCORE OF XXXX I believe that I received a HIGHER CREDIT SCORE as per a NORM for XXXX and XXXX people who are doing business with XXXX XXXX XXXX.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (TX)

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THESE UNAUTHORIZED HARD INQUIRIES ON MY CREDIT REPORT WHICH IS HINDERING ME FROM GETTING APPROVE FOR MY NEW HOME PLEASE HAVE THIS RESOLVED AND REMOVED ASAP.
Consumer complaint received 2022-09-27
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. (MS)

I am a victim of Identity Theft. Someone has my personal information, and has been putting in for credit application. I was just became aware of this the morning of XX/XX/XXXX. These are the following creditors that have pulled my report, and the dates. Some of them have pulled multiple times from Experian, XXXX, and 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 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 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