davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/2019 The last couple weeks I have noticed Chase Bank personnel deliberately acting criminal in their online work, and lying. I have been a customer 9.5 years and this last week, they tried to make me the problem and not them. I put an online transfer request in for $ XXXX for the date of XX/XX/2019, on XX/XX/2019, they emailed me saying they could not transfer, it was two days  early, I get paid on the XXXX, so it absurd, it was scheduled for today ... .. { account # XXXX } And all day today, I had to XXXX someone, and I put my correct password in all day and could not get into my online account, then I specifically took S half an hour and did it with a telephone online representative and I got a message they were not putting it through and citing me for suspicious activity ... XXXX Just an everyday account of a low income person who owes her sister money, and they will not allow the transaction, they are misusing their bank against me. There is no suspicious activity. A XXXX transaction, They are violating the terms of their XXXX contract, and mischaracterizing my account as " Suspicious '' They are refusing to do a legitimate banking transaction, online and straightforward.. Easily done and harming me as I try to pay a bill back. WRONG employees, who need to allow the transaction and not punish me, or so to speak Stop my account Perhaps they need to be reminded to do banking right for every single customer We are all equal and the same in banking law, it is looking at something intelligently instead of being a weirdo ... .... They gave me a Ref # XXXX
Consumer complaint received 2019-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (IL)

Dated XX/XX/19 I received letter from Radius Global Solutions in reference to a debt owed to XXXX XXXX of {$1400.00}. Please provide proper validation of this alleged debt owed.
Consumer complaint received 2019-10-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (NJ)

We have spent 13 years paying our mortgage which was originally from XXXX XXXX XXXX. Despite all the years of paying Ditech the current carrier of the mortgage stretch the mortgage to 40 years and we owe way more than we should be owing. We are confident that the mortgage company manipulated our numbers. It has cost us economic hardship.
Consumer complaint received 2019-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

After receiving a copy of my credit report i regretfully discovered that my information has been exposed in several recent data breaches that occurred over the last year, and my information is being used to fraudulently obtain accounts and services.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Over the course of the last 4 years, I have looked and my credit report and noticed several inaccuracies on this particular account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify for as accurate. 

XXXX XXXX ( XXXX ) thank you in advance. 
XXXX XXXX
Consumer complaint received 2019-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MD)

My wife tried to pay Comenity Bank on time on XX/XX/2019. Customer Service and the supervisor made it clear that she is not allowed to pay them in my behalf. They refused an extension of due date, since I am in the hospital and am forcing me another item on my credit report, late fee, to include the feel of harassment of trying every way possible to get them their money. A check as well as the attached letter is being ailed ot Comenity Bank, tonight. My wife is a XXXX  and a XXXX veteran. 

This is the second complaint to you in less tan two months. Comenity has been bashing our credit and reports. 

Let me know f the letter I sent to Comenity attached.
Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

I recieved a notice to collect a debt on behalf on XXXX XXXX from Convergent, I responed to the inquiry for validation of the debt, I recieved nothing and on XX/XX/2019 the said above company placed a collection on my credit report without validation debt or responding to me about said deby, I called to rectify problem but was met with no solution, this unlawful collection is no putting my job at risk and needs to be removed and deleted from all 3 credit bureaus.
Consumer complaint received 2019-08-14
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. (NJ)

There are several credit accounts that are reporting on my credit report that were opened without my consent. These accounts are fraudulent and needs to be removed from my credit report. I have to complain via CFPB because Equifax has made it flat out hard for me to dispute online or over the phone. When I call I am told that my credit report is handled by a specialized department and that there hours are never available when I call. When I try to dispute online it always times out in an error so I have no other alternative to dispute wrong information. Please remove these following accounts : Synchrony XXXX has three accounts listed, XXXX XXXX, XXXX XXXX XXXX. All of these accounts were opened without my consent and need to be removed. I have attached an FTC Affidavit and police report
Consumer complaint received 2019-08-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Around XX/XX/2017 I was going to do a loan modification with Wells Fargo I decided not to. A forced loan modification was done on me which caused me to have an escrow account that I have never had in my life it jacked my payments up {$300.00} more and then specialized loan servicing bought my account and I have done everything they wanted me to do to drop my escrow and they still will not drop it I am in a situation that I did not ask for that I'm forced into and if it doesn't get fixed financially I might lose my home. And because of this my insurance is due and now my insurance company is wanting over {$1300.00} for a Year 's worth of payment when I have always paid monthly my whole life please help me
Consumer complaint received 2019-08-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank currently has an automated phone system ( like most companies ). It is currently providing customers with incorrect information. Recently, one of my payments were declined after submission. I received an email stating there was an issues, but when I called the bank their automated phone system verified my payment was made successfully. This was false information they provided me. The account was in fact past due, and the company was adding late-fees to my account. I cant imagine how many customers are incurring fees, due to false information Synchrony is providing.
Consumer complaint received 2019-10-05
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. (TX)

On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation to the following companies : XXXX   XXXX XXXX XXXX XXXX XXXX responded back that this debt was " certified '' by the reporting agency. However no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.
Consumer complaint received 2019-10-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I viewed my credit because I was denied for financing ... XXXX unbeknownst to me this creditor/collection agency has placed 4 unknown collection accounts on my credit. I have not received not 1 notice in this regard. I have no knowledge of the accounts or what the debt is for. I was never notified- I saw the accounts on my credit and broke into tears. 

Portfolio Recovery Account Numbers XXXX XXXX XXXX XXXX I have also filed a complaint with the XXXX and the FTC for violation of the FCRA
Consumer complaint received 2019-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

I was part of the data beach with Equifax. I was never notified nor did they tell me this. They put a freeze on my account and are now telling me I have to pay to send in papers to get into info. I can not apply for XXXX until the freeze is lifted and they wont lift freeze until I pay XXXX to fax the papers. I did nothing wrong and they are acting like they are the victim. I have been on the phone since XXXX trying to rectify the situation to no avail. Why is the victim being made to pay for the mistake they made. I have been married for 3.5 years name is changed legally and they still have maiden name on account as well as have items on report from XXXX XXXX that has the wrong last name on it. I have not lived at address on their file for 5 years. They will not give me a copy of credit report until I the victim pay to send in info they are requesting but refuse to ask any security questions like XXXX  did to change my name and address.
Consumer complaint received 2019-10-04
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. (TX)

First let me apologize for having to waste your time with my complaint. Unfortunately after several disputes with Experian, they have refused to properly address my issue and remove this improperly reporting account. I reached out to them to dispute an account listed on my credit report under XXXX XXXX. When I looked over the information from the original contract I noticed several things reporting incorrectly. I then disputed the information with Experian asking that they provide me with a copy of the original contract while pointing out the errors that are reporting incorrectly. They refused to do so and insisted that the information had been verified instead. When I finally did get a response by mail, they provided me with an updated copy of my credit report addressing my dispute and basically just switched the late payments around, and adjusted other items which were all still incorrect. I then sent another dispute in and they sent me another response that still did not resolve the issue because they didnt change anything that time which points out that they clearly are not investigating properly and they have no original contract to have the right to report incorrect information. I will include a copy of the reports and will circle the items so that they are clearly visible. On the Before Dispute area, they have the account first reporting in XXXX and the original balance ( which should never change ) at {$24000.00}. They also have removed a late payment from XXXX and moved it to XXXX which is still incorrect. On the After Dispute area, they have the account first reporting XXXX and the original balance something totally different which was {$22000.00}. Both of the original credit limit amounts from the before and after are incorrect based of the original contract I have. I did not include a copy of my contract because I know you have to possibly forward this information to them and I do not want to help them with their investigation since they should have a copy themselves. Thanks for hearing my complaint and I hope we can get this account removed from my Experian report.
Consumer complaint received 2019-10-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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 : XX/XX/XXXX inquiry from XXXX XX/XX/XXXX inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX inquiry Bank Of America I Called XXXX and XXXX  twice they did not remove these inquires. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DOB : XX/XX/XXXX
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I do not recall taking out this loan and agreeing to these terms as listed on my credit report. I have disputed this multiple times and not only do the credit reporting agencies not appear to fully investigate, XXXX  XXXX EVERY MONTH refreshes my date as if it's a new collection, thus negatively impacting my credit score. I have asked for properly validation of this debt and have not received any copies of signed contracts or agreements. I have only received screen print outs that do not provide validation that the debt belongs to me. I have attempted to resolve amicably so my mortgage would not have been denied and they refused. Every month, even when I have not actively disputed the account, XXXX XXXX FALSLY places an in dispute comment on my report which again caused my great difficulty and affeted me negatively in trying to obtain a mortgage. The last attempt at validation on or about XX/XX/19 that I tried and specifically asked for signed contracts or agreements, I was told they had it and would send, however I again received screen print outs which do not properly validate my debt.
Consumer complaint received 2019-04-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (MD)

On XX/XX/11 while I was out of town in GA someone created a Western Union online account in my name and withdrew {$490.00} from my  checking account. The next day I called my bank to report this fraud. A month later they stated it was authorized by me due to the person having my name, address and cell phone number as well as bank card info. The report also listed an email address which was not mine and an ip address which is from XXXX, Fl and XXXX. I live in MD and have XXXX. I've called both my bank and Western Union multiple times but they are not doing anything about it. I've also gave them the police report claim number and my XXXX phone records to prove that I did not call Western Union or text Western Union during that time. I am not sure if this has been happening to anyone else, but something needs to be done.
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (FL)

The credit card balance was XXXX and I got a bill on XX/XX/2019 for the amount of XXXX. I thought that it was an error and called Best Buy XX/XX/2019 at XXXX XXXX. They told me that my promotional card expired and the deferral fees applies.I have always pay my account on time and it set up directly from checking account. I ask them if they inform me about this and that I need to pay before the promotial expire, They told me that it is in my statement. I want them to show where they tell the client that payment will increase this much and where in the statement gave me the opportunity to pay my balance before this happened.. This is scam, when I applied for this card they told me that after time if I dont pay the balance then they will start charging the fee howver never said to the customer about charging {$4100.00} for fee .Please see the bill, this needs to be bring to the attention of someone. 

I want to bring them to court because they have been doing this to others
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (GA)

On XX/XX/2021, I discovered that Nationwide Recovery placed a debt in collection on my report after failing to notify or verify the debt. I did not know I owed this debt. I feel like they should have given me a chance to satisfy the debt prior to placing it as a collection on my credit report. Some weeks ago, some unknown person contacted me that I owed money. They did not include the nature of the debt, the name of the person the debt was owed from. I requested verification of the debt. I never received that verification. I am not sure whether that entity is the same as the entity that placed this collection but if it, I should have received verification of the debt to give me an opportunity prior to placing the collection on my credit reporr. 

This creditor failed to notify me that there was a balanced owed prior to placing this account for collection. I want verification that this account is valid with the date of service, what service was provided
Consumer complaint received 2019-08-15
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: Experian Information Solutions Inc. (TN)

In an event unrelated to the company, I have a missing payment. However, the past due minimum payment that was disclosed in the billing statement, and the payment module for the company was made on XX/XX/2019. The payment was not applied to the payment due, and delinquency was reported to the consumer credit reporting agencies. I have requested the delinquent comment be removed.
Consumer complaint received 2019-08-15
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. (NY)

I've disputed an Account Type that is on my Experian Report. Experian is listing a previous account ; XXXX XXXX as, " Collections. '' This account has been paid/closed for over a year. I've disputed the way that Experian has this account listed on my report several times. When the dispute comes back it will say report updated. Review changes on your report, but there isn't anything changed. The report is exactly the same. This discrepancy is decreasing my fico score. I've called Experian, all I'm told is that this will remain on my credit report for seven years, which I am well aware of, but it should not be listed as potentially negative and account in collections. This account is not in collections. I've reached out to the debtor, XXXX XXXX, formerly XXXX XXXX and currently XXXX. This is a completely closed out account and should not be listed as " Collections. ''