davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
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. (NY)

For over 4 months I have been trying to get an unverified account off my credit report. the accounts are XXXX XXXX and XXXX XXXX XXXX. I have sent 4 letters to TransUnion, XXXX, and XXXX to have the creditors verify the unverified debt or take the accounts off my credit report. My first letter went out XX/XX/XXXX, second letters on XX/XX/XXXX, Third letters on XX/XX/XXXX and fourth letter on XX/XX/XXXX. They have not removed the unverified accounts off my credit report. I have mailed the creditors to verify the accounts I allegedly have with them and they have ignored my requests.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I've recently checked my credit report from Experian and I was shocked to see previously deleted fraudulent accounts were reinserted back to my credit file. I am a victim of identity theft, and I did not authorize anyone to open accounts under my name. I am requesting to investigate and remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (TX)

I sent a letter to the XXXX and Equifax Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance Owed : {$50.00}.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX - called USSA for justification *had policy explained redundantly, transferred to resolution department *resolution department extremely rude and unhelpful *Senior memeber advisor to the super boss told me i was not allowed to record him and disconnected the call. Even though they were recording. He said he would not email me any policy letter that shows what he was informing me on and i could find the information myself online. Apparently, explaining i was stranded on vacation and could not wait 5 days for the funds ... an exemption wont be granted that will release XXXX because of XXXX worth of clarification. Instead he captured the complaint for a team to reveiw. When banks are too big to need customers we clearly have an issue. Take your money to a bank that doesnt spend millions on marketing to cover up terrible customer service. Or contiue to receive explanations like you clicked agree so technically we can hold it for a week.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY (NJ)

I made legit purchases and I got an overdraft fee for {$140.00} including for a maintenance fee. I have been with the bank for a year and supposedly I can't get anything wavered because something they never explained to me from the beginning when I first opened the account. There is always something hidden or not explained at all with any customer representative with TD on the phone or in person. 

They always seem to try to stick it to you one way or another and not care about it. I'm extremely exhausted with TD Bank and the treatment I have received from them. I haven't been through this much hassle from any other bank.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo has been has been taking claims and then reversing the fees even after I worked with the consumer and was advised by the consumer themselves to contact the bank. The company, in certain cases even authorized a partial refund as the problem continued. I contacted the bank they issue a refund and file the claim but, then would reverse the charges at very inopportune time during the holiday. As well as all year. I had another issue where they just out right refused to file the complaints fully through at all and the error was their own and I even had a banking reference number and contacted to make sure the funds were available before submitting the payment. And in addition, I was offered a presidential reimbursement, where Mr. Trump, Mr. Obama and my dad as well as a couple friends ... left checks written out to the bank with my name on it as the person it to be in care to. I understand this may not be a typical form of payment to some, but I was advised they leave the checks at the branches they are typically closest to and will even reach out to the other ones in moat cases. There is no reason that my claims should be reversed back especially my claims are of legitimacy even with out compensation offering to my claim filings. Also, I noticed anywhere from a 50 to 150 with holdings from my balance Like is just lost in air space. Please help ASAP to have this situation financially reimbursed on my behalf immediately.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DC)

I have been unable to manage my security freeze with Equifax using their online portal, myEquifax. The myEquifax system generated an error when setting up my online profile in XX/XX/XXXX. When I attempt the account sign-up process again, I am told that I already have an existing account, and that I should attempt a password reset. The password reset function does not work. I have contacted myEquifax customer service by phone at XXXX on at least 6 occasions since XX/XX/XXXX and am repeatedly told that my case will be escalated, and that I can expect a response within 48 business hours. However, I have never received a callback or further correspondence, and this issue persists. Most recently, I contacted myEquifax customer service today, XX/XX/XXXX, and was told that customer service agents are currently unable to assist because of an ongoing " system update. '' This situation is unacceptable, and plainly violates my consumer rights under section 605A of the Fair Credit Reporting Act ( 15 USC 1681c1 ( i ) ( 6 ) ).
Consumer complaint received 2020-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KeyBridge Medical Revenue Management (OH)

Keybridge, a debt collector, with an address of : XXXX XXXX XXXX, XXXX, OHXXXX, ( XXXX ) XXXX has collected on three medical debts owed by me from XXXX XXXX in XXXX, Ohio. These debts were collected in XXXX XXXX Ohio Municipal Court successfully through a judgment and subsequent garnishment of my wages yet Keybridge refuses to update my credit report with accurate information that these three debts have been paid and satisfied.
Consumer complaint received 2019-01-08
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. (PA)

This Complaint is related to a previously filed complaint ( XXXX ). Chase in its response, in order to close the complaint provided incomplete information and withheld other information. This complaint is related violations of the Fair Debt Collection Practices Act, the Truth in Lending Act, and the Fair Credit Reporting Act as well as abusive behavior in confiscating reward points without formal notification. Given recent Press Coverage of Chases efforts to manage reward costs this appears to be a conscious strategy to enrich the company and its shareholders and I request whistleblower status. 

The specifics of my initial complaint are attached. Relevant new information is as follows : I called Chase on XX/XX/XXXX to make a payment. The Payment came out of my account that day. As mentioned in the prior complaint I attempted to use the card at a XXXX XXXX and was declined. 

You will notice that while the Associate I spoke with was acting in a Debt Collection fashion, Chase is unable to provide a recording or transcript of the call. Quite convenient, but also troubling in that there appears to be a lack of oversight of this type of debt collection on Chases part, including any verification that appropriate disclosures and scripting was followed. Clearly this is something for you to review on their next Regulatory exam. 

On XX/XX/XXXX I received the attached letter confirming the Payment. Notice there is no mention of the account being closed. 

On XX/XX/XXXX I recieved my account statement ( attached ) reflecting the payment but showing the reward points removed. However the statement does not mention that the account was closed. It simply shows my credit limit of {$20000.00} but shows an available credit of {$0.00}. How would a consumer understand that the account had been closed? 

I also attempted to resolve this issue through Social Media via XXXX. I posted complaints to the Chase public account and XXXX  XXXX immediately responded asking me to direct message them my information, which I did. I followed this approach multiple times between XX/XX/XXXX and XX/XX/XXXX. Each time, I never heard back from CHase. It is clear their strategy is to derail negative comments via an offer to take the conversation offline and they NEVER follow up. Clearly this is a deceptive use of Social Media and a bad faith approach.
Consumer complaint received 2019-05-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC (UT)

Calvary Hired a Law firm that filed a civil Lawsuit against me in the state of Utah. Prior to the lawsuit, I received 20 to 30 phone calls instructing me to not hang up and stated the law firm name First in order to intimidate me. The callers were pretending to be lawyers. The employees were not lawyers but collection agents hired by the law firm. They left out the fact that they were not attorneys as required by law.

I admit it works. I was scared to hang up the phone in fear of legal action. I guess Calvary Svp looks at these type of violations from a business perspective. They assume most of us in financial chaos will not report the violations. They have a long history and more must be done to spot them.
Consumer complaint received 2023-07-24
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: BARCLAYS BANK DELAWARE (CA)

On Friday, XX/XX/2023 I returned a loaner car to XXXX XXXX XXXX. Since there was a previous issue of being billed for fuel, I made sure that the fuel level was above the gallons when the car was received. On my XX/XX/2023 Barclays billing statement I disputed an amount of {$15.00} which I believe was an unauthorized fraudulent refueling charge by XXXX XXXX XXXX The dispute was ruled/credited in my favor for the full amount. I was issued a new card with a new number by Barclays. Upon receipt of my XX/XX/2023 statement, the charge of {$15.00} appeared again. I have just disputed the charge once again.
Consumer complaint received 2023-07-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

on XX/XX/2023 Chase Bank closed my account ending in XXXX with a total fund amount of {$59000.00}. I have been calling non-stop to request my funds and still haven't received them nor an expectation towards when I will receive them. I really need my funds to pay my rent, utilities and groceries. I have been struggling financially due to Chase holding my funds.
Consumer complaint received 2023-07-21
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. (AL)

called the creditor and XXXX XXXX no account is established or consent with permissible to pull my credit XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX Experian XXXX fraudulent XXXX accounts open account XXXX XXXX XXXX open XX/XX/XXXX closed account -XXXX  XXXX  XXXX  XXXX  account number XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-09
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. (FL)

I have a major real estate loan closing and I am at risk of losing tens of thousands of dollars due to an item reporting inaccurately on my report. The XXXX XXXX Acct # XXXX is not accurate at all. In my recent disputes this item was deleted by XXXX because they realized it was not reporting correctly so I am requesting that Experian and XXXX also delete the item as well. I submitted complaints to the three main credit bureaus XXXX, Experian, and XXXX and it was deleted my Equifax. This item was verified however it is not accurate at all and needs to be removed immediately! If I lose my deposit for this house I will hold everyone accountable for harming me financially. I am attaching the loan documents for you to see it is for real. Please delete the XXXX XXXX   account # XXXX like XXXX  did for inaccurate reporting.
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

I was a loyal customer of Wells Fargo banking for 4 years. 
I was also a victim of unauthorized credit cards, opened account & funds stolen from my accounts. 
Ive had so many financial setbacks due to the banks actions to steal my hard earned money & valuable personal information. 
I can not even obtain a checking account from any financial institutions because of the impact Wells Fargo has left on my credit report. 
I wouldve never imagined of becoming a victim of bank fraud & stolen funds! 
I dont think theres a way to repair the Damage mentally or financially!
Consumer complaint received 2023-07-24
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. (KY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair or remove these inaccurate items from my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Americor Funding, LLC (AZ)

Consumer Financial Protection Bureau, I was sent mailers from Americor about personal loans and a personal loan with a 0 % APR for 12 months. I set up an appoint to talk to a representative from Americor and was unfortunately assigned to XXXX XXXX, whom in my opinion should be loan originating any type of loans due to his deceptive tactics of relaying any type of information to consumers, who have applied for personal loans through Americor. 

XXXX XXXX preformed a soft pull on my credit report on XX/XX/2020, which he stated would determine the out of my loan process and would call me back within 45 minutes to give me a complete analysis of my loan approval. XXXX did not call on that day, instead I was bombarded with emails from XXXX about life changing loans that have helped people. 

XXXX sent over a screen shot copy of my analysis loan report on XX/XX/2020, in which there was no coherent or precise information on APRs or Loan Terms, instead XXXX XXXX prompted I call him so he could set me up on my loan. 

I did not receive a Good Faith Estimate for the loan so I could look over the APRs or Loan Terms to determine if this loan, would benefit me before I even agreed to the loan. Instead XXXX XXXX ignored my repeated requests for the Good Faith Estimate that is required by law to consumers. 

When I informed XXXX XXXX of these laws, I received a call from his Supervisor XXXX, who stated that he was informed about a loan offer that was made to me, and apparently I never got the APRs or Terms that would let me review the loan. 

I emailed XXXX XXXX about XXXX contacting me. XXXX proceeds to state in the email that he apologized for not calling me in regards to the loan approval I was offered but his Manager will be taking over? 

Americor has wasted my time, disregarded my request for loan APR and Terms, didnt provide a Good Faith Estimate and further more now have my personal information in their system, which could be prone to cyber hacking. 
Upon further research of Americor they have a habit of bait and switch loans, over promising to consumers and just wasting consumers with deceptive tactics with personal loans. 

Being in the financial industry, I know what they did is wrong and it irks me that they run a business like this, at the consumers ignorance of not knowing the laws.
Consumer complaint received 2023-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

Identity theft is a serious crime that can have far-reaching consequences for its victims, both financially and emotionally. I have taken all necessary steps to address the fraudulent accounts and activities that have affected my credit report. I have also reported this incident to the proper authorities and have cooperated fully in their investigations. The denial of my identity theft claims is a matter of great concern to me. I believe that the evidence and documentation I have provided clearly demonstrate the presence of fraudulent accounts and activities on my credit report. I have taken all necessary steps to rectify the damages caused by the identity theft, and I am dedicated to ensuring that my credit report accurately reflects my financial history. The presence of these fraudulent accounts is causing me severe distress, affecting my ability to obtain credit, and potentially leading to further financial harm. Here is the account that I need to be removed : XXXX XXXX. Please remove this account ASAP.
Consumer complaint received 2020-02-05
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. (CA)

I AM VICITM OF AN IDENTITY THEFT, NUMEROUS TIMES I HAVE SENT MY IDENTITY THEFT REPORT TO EXPERIAN, BUT THEY KEEP IGNORING MY REQUESTS. WHAT IS THE POINT OF ASKING FOR THESE DOCUMENTS IF THEY ARE NOT GOING TO HONOR IT. I AM VICTIM I CAN ONLY PROVIDE THEM THEM POLICE REPORT AND IDENTITY THEFT REPORT, I HAVE EVEN SENT THEM MY NOTARIZED POLICE REPORT AND IDENTITY THEFT REPORT AND STILL NO RESPONSE FROM EXPERIAN. FRAUDULENT ACCOUNTS SHOULD NOT BE REPORTING ON MY CREDIT REPORT.
Consumer complaint received 2020-02-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc. (KS)

Company filed recently several claims on my credit report. Each time they said I owed {$500.00}. 

I have never been contacted by this company. I have never received any documentation from this company. And they just updated an additional amt of {$500.00} on my credit report like it was a different debt then what they already posted. 

This seems very fraudulent
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (NY)

This complaint is in reference to a paid collection. In XX/XX/XXXX a collection for the amount of {$110.00} was placed on my credit report by ALDOUS, however I was not aware of this. As soon as I became aware of this the debt was paid in XX/XX/XXXX. I normally make every effort to pay my debts and fulfill my responsibilities, in this instance I was unfortunately unable to do so. 

The account is still listed in collection. As you know, an account in collection is A DELINQUENT OR PAST-DUE ACCOUNT transferred from routine account to the collection department ( or a collection agency ). 

Under the federal Fair Debt Collection Practices Act, a debt collector generally is a person or a company that regularly COLLECTS DEBTS OWED TO OTHERS, usually when those DEBTS ARE PAST-DUE. 

Based on the information provided above, this debt is no longer in collection. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

I am kindly requesting the collection consider removing this collection from my credit report.