davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (MD)

This debt has been disputed, and was in my favor. It has already been removed from my credit bureaus before with the other collection agency that it was with before. This is not my debt. This company continues to harass and call my phone multiple times a day, and one point pretended to be someone else. Now once again this is being reported to my credit bureau accounts and causing harm and negative impacts to my financial situation.
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (CA)

There are several hard inquiries that I DID not authorize. I've also contacted the companies and the bureaus. I sent letters and did online disputes with NO RESOLUTION. 

Here are the one inquiries that I did NOT authorize : XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX Institution Information XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX Bank Institution Information XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX ) XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Bank ( XXXX XXXX XXXX Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2022-09-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I was a BB & T customer and the merged with Suntrust and now its Truist. All the years I was with BB & T they provided payment booklets. Ive always made my mortgage payment on the 15th or 16th of each month. I most always pay by phone before the late charge is accessed. If the payment falls on a weekend I will personally take it the bank. 

Since they merger I finally one month XXXX look at statement and it stated I had all these late charges. I never know anything about large charges. I called the first time spoke with a XXXX and she said I had payment make on the XXXX. I said I have until XXXX before charging a late charge. She couldnt give me a answer. I was transfer to manager name XXXX XXXX?. She stated since the merger there have been a lot of complaints about late charges. She stated collections should have call me. I told her I have never received a letter nor call regarding a late payment. Also, when I call to make the payment no mention of it either. 


I have tried calling an speaking to different people with and leaving voicemail with no return call. 
The last manager left message for was XXXX and voicemail with no last name.
Consumer complaint received 2022-09-19
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. (TX)

There was a mixed credit file that I became aware of back in XXXXXXXX XXXX XXXX After years of fighting with the credit bureaus and sending over documentation to correct this issue, their negligence has caused so much distress. Credit card companies, hospitals, debt collectors, etc have confused my identity with someone else because of this mixed credit file. We have had multiple situations like XXXX XXXX merging my credit card account with someone else. I have also had hospital bills put in other persons name/insurance. I could not resolve the issue because my personal medical information was under someone elses social security. Some of these hospital bills took months, years to fix, thus preventing my insurance company from back paying these bills due to a limited time period after my social, name, address was verified and adjusted. I have filed disputes with the bureau regarding some collections and false credit reporting and have been denied any kind of resolution. Hippa complaints have also been filed. The bureaus have compromised my identity, personal information, and privacy due to irresponsibility/negligence. We have consulted with an attorney for a possible lawsuit but have not yet hired a legal representative.
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Army and Air Force Exchange Service (GA)

Yesterday i received an XXXX alert about an AAFES credit card account was opened in my name. They verified the account information and noticed it was not accurate information. I contacted the company and they closed out my account because I didnt apply for this card. I was then told to contact XXXX to file a fraud dispute. 

I contacted XXXX who documented my report of fraudulent activity. Locked my account and advised me to file a police report or FTC report for fraud.
Consumer complaint received 2022-09-19
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. (FL)

On XX/XX/2022, 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 stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc. (TX)

The company is reporting a debt on behalf of another medical service provider without a proof of my ownership of debt. The debt they have marked as Dispute state, though in my opinion there is no dispute that I do not owe this debt. Yet, they have reported to credit beureus as Collection, hurting my credit score and credit worthiness. 

In fact a credit card application was rejected solely due to this reporting causing me enormous irrepairable financial loss. 

The fact is the debt is not valid. It seems to show one bill from 6 years ago that the original provider XXXX XXXX, that they claim I owe. The fact is that I was in hospital between life and death situation. Hospital was directly coordinating all care for me without my knowledge and approval of each procedure. I had not authorized XXXX XXXX  any money to be directly charged to me or ownership of such procedures. All bills over half a million were processed and paid by my Insurance company for many other providers. What transpired and why their bill was not paid is beyond my knowledge. There is no proof that they provided this service to me or I authorized by me. Nor I know whether they submitted to insurance and got paid or not paid or rejected due to what reason. All I know is I have paid everything whatever insurance has been telling me I owe. If insurance did not tell me I owe to this provider, the bill is not legal. 

THIS DEBT COLLECTION MUST BE IMMEDIATELY REMOVED FROM MY CREDIT REPORT.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (AL)

This problem refers to Chase Amazon credit card and XXXX XXXX credit card online payment processes. 

I noticed for the first time ( I have paid online for decades ) that the payment amount choices presented while paying online have changed. 

These changes are potentially confusing to consumers. 

I suspect the changes in payment choices are designed to trick consumers into not paying their credit card balance in full and thus accruing interest payments. 

These are the changes I found on XX/XX/2023 while paying my bills : The simple choice of " Statement Balance '' as a payment amount has been eliminated. 

Now there is a " Remaining Balance '' choice after a " Minimum Due '' choice.

If the consumer does not pay attention and thinks " Remaining Balance '' is the same as " Statement Balance '' and does not notice that it is not the entire statement balance appearing on the current statement bill which the consumer is attempting to pay, then the consumer will have a balance due and owe interest on the mistakenly unpaid amount.

On one of the cards, the " minimum Due '' plus the " Remaining Balance '' did not even add up to the statement balance on my current statement.

I paid the statement balance in full by putting that amount in the " Other Amount '' choice.

Credit card companies need to return to listing " Statement Balance '' as a payment amount choice for consumers paying their credit card bills online.

The changes appear to be an attempt to trick consumers into paying less than their full statement balance and thus accruing interest because the choices are confusing.

Clarity and transparency in consumer financial transactions are vital to protect consumers from fraud and deception.

What I have described above is a deceptive practice by Chase and XXXX XXXX.
Consumer complaint received 2022-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX was timely cancelled, and therefore never shipped/delivered or received by us. This order was initially financed through Klarna, and they did not updated the loan as cancelled and removing the charges. The account was recently referred to collections. We have made multiple unsuccessful attempts to have this information corrected and avoid credit impact, however all parts have not taken the necessary steps to have this issue resolved.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022, 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 stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

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. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (AL)

On XX/XX/2022, 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 stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-19
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: EQUIFAX, INC. (FL)

On XX/XX/2022, 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 stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-19
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: EQUIFAX, INC. (AL)

On XX/XX/2022, 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 stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

I recently reviewed my credit report from XXXX, XXXX XXXX. Unfortunately, I saw that you have recently began to report me 30 days late on this account on XX/XX/2022. I have previous credit reports from the above mentioned agencies that reflect my account accurately, as paid on time. I never received notice that you were going to insert negative data on my credit report, as you are required by the FCRA I contacted AMSHER COLLECTION SERV regarding this debit and that I don't owe this and had a very default time .. FCRA 623 ( a ) ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a consumer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the consumer. ( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the truth in Lending Act. Reporting inaccurate information is also a violation of the FCRA. I first contacted the above mentioned consumer reporting agency about the mistake. They sent me a letter stating you verified the information. How is this possible? I would like you to actually look into my account history this time and not just send an automated verified response! After doing so you will see that I was not 30 days late on XX/XX/2022, The FCRA allows for damages of {$1000.00} per violation. So far you have violated my rights three times Twice by never notifying me and once for reporting inaccurate information. I could surely use the {$30000.00} bucks since the interest rates on my other credit cards raised due to you error, not to mention the priceless cost of my time writing these letters. PEASE SEE ATTACH DOCUMENTS
Consumer complaint received 2022-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (PA)

Genesis FS Card Services has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any non-affiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 
Genesis FS Card Services is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat, duress, and coercion. This fraudulently furnished negative information violates XXXX, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX Act, XXXX XXXX XXXX FTC XXXX and XXXX Act. 
I hereby dis-affirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and Genesis FS Card Services XXXX This account is a billing error. Please provide me with documentary evidence of the obligor 's indebtedness. 
As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 
Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount under section 1666 of title 15. Genesis FS Card Services, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Consumer complaint received 2024-12-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has refused to disclose The details of the error staing that it is proprietary. The lack of transparency prevents me from understanding the nature of the error And verifying whether the compensation adequately addresses the harm caused XXXX have asked for clarification but was only provided general repsponses which do not explain how the error occurred or how the amount was calculated. This situation has caused me and my family financial stress and i believe i deserve to know how this error impacted my loan.I request a review from both modifications that Wells Fargo has provided for me to ensure no other errors have been made
Consumer complaint received 2022-08-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (TX)

My identity was used to get a loan from Affirm.com for a trip thru XXXX. I did not apply for this loan. The trip was never used. I have tried many attempts to reach out to both Affirm and XXXX and they refuse to help me. They have now sent this loan to collection and it's having a terrible affect on my credit. I have tried every option with this company to have them remove this from my credit as I did not request this loan and they refuse to help me. 

I have been confirmed that the trip was never used, the loan was never used so there is no reason why it should be still on my credit report.