davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-02
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I have a problem with a identity data breach, Involving tax identity fraud on my name XXXX XXXX XXXX. As well as my social, medical identity, social security card. 
Im trying to open a business checking account with XXXX  XXXX XXXX. However, the bank representative says my social security number is involved with someone in th military. also, my wallet was stolen and covid 19 is going on so I had to make new wallets and my credit is now messed up due to someone doing fraud please email me to assist thanks. 
The reporting agency named Chex clear systems who governs the XXXX  XXXX XXXX and reports to them have stated that the report is now clear and Im able to access the account, however, the bank is still unable to open my XXXX XXXX XXXX checking or business account! Please help thanks
Consumer complaint received 2020-05-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (FL)

I deposited three checks at a Wells Fargo atm On XXXX and XXXX  in XXXX XXXX Florida on XX/XX/XXXX 1 check in the amount of {$300.00} and the other two in the amount of {$150.00} each the atm machine did not deposit the checks or return them to me. I went into the branch made a claim after a couple days I called the banker that I made the claim with and she was able to give me a temporary credit until they could locate the checks and sort out the confusion. Fast forward to XX/XX/XXXX and they took the {$600.00} back and said that the claim specialist rejected the claim after two months!!!!! Two months?!?! During an epidemic where people cant work and are struggling to pay bills they decide to reject my claim?!?! They can offer me no information over the phone they can provide me with nobody that knows anything about whats going on and they cant return the checks.
Consumer complaint received 2020-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (CA)

FOR 38 YRS. W/ AMERICAN EXPRESS ALWAYS PAID MONTHLY IN FULL NEVER LATE. 2 YRS. AGO, A MERCHANT ( XXXX  XXXX  ) CAME TO INSTALL A NEW FLOORING, BUT UNABLE TO FINISH LACK OF MATERIAL. AND NEVER COME BACK. THEREFORE, I DISPUTED W/ AM EXPRESS FOR {$500.00} CHARGE FOR 2 YRS. W/O RESULT. WE CAN NOT PAY FOR UNFINISHED JOB. 
BESIDES, AM EXP. KEPT SENDING ACTIVATED CARD W/O PERMISSION TO OUR EMPLOYEES WHICH IS UNLAWFUL & PUNISH BY JAIL PENALTY.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (AZ)

My XXXX credit report shows an alert : NEW ACCOUNTDate:XX/XX/2018 XXXX XXXX XXXX Type of Industry : Miscellaneous Banks Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX  SD XXXX Phone Number : ( undefined ) undefined I do not have an account with The XXXX XXXX. 
I have tried numerous times to have this corrected with no success.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I was recently notified during a Federal Security Clearance Investigation that I had an unpaid healthcare bill of {$42.00} on my credit report from 2017. I have not been notified of any unpaid bills in these 3 years. The number listed on the report was XXXX.No other information was listed so I don't know who is reporting that I have {$42.00} unpaid. I would like further information on this so that I can resolve any discrepancies. Thank you.
Consumer complaint received 2020-01-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MS)

Recently requested mortgage modification from PHH/ XXXX   Mortgage spoke with PHH/ XXXX customer service I was informed mortgage was modified but they could not give me the terms of the mortgage modification. Received the documents finally and the mortgage is a balloon mortgage and when the term is completed it will want the balance of the loans. 
This mortgage modification will make me lose my home. I have resubmitted my request for mortgage modification requested a 30 year term with a fixed mortgage rate
Consumer complaint received 2020-05-03
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: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/XXXX I noticed that there were charges on my XXXX credit and debit card totaling XXXX and XXXX from a gym membership in XXXX XXXX that never went through ( I live in WA ) all made on XX/XX/XXXX or XX/XX/XXXX. My Capital One credit card was charged totaling XXXX all made on XX/XX/XXXX or XX/XX/XXXX. I looked into it further and realized that my wallet was stolen. I submitted a police report as well as an incident report to my apartment complex. Then over the next few days I contacted both credit unions and said my cards were stolen and filed for fraud - online through XXXX and over the phone through Capital One. 
I received new one tap versions of my old cards and had to call again for actual new cards. 

By XX/XX/XXXX XXXX had credited me back the XXXX and it was over and done with and everything was settled with XXXX. 

Capital One credited me back the XXXX and started an investigation. However, on XX/XX/XXXX I received a letter from Capital One stating that they had found no indications of fraud and would be charging my account the full XXXX. I called them on I think XX/XX/XXXX and was taken to their Credit Fraud team and was told that they could not help me as they werent the actual team that investigates the fraud, but that they would contact the team on my behalf and that I should wait, and so I did. I waited a week and when there was no correspondence from them and the charges were still on my account I called on XX/XX/XXXX I believe and got transferred to their fraud team again. This time they told me that I needed to submit more evidence that it was not me making those purchases and once I did they would look to reopening the investigation. So they sent me a link and I submitted the apartment incident report and police report ( they have not gotten back to me ) as well as the charge from my XXXX account from XXXX XXXX and then I waited again. After another week there is still no correspondence from them and the charges are still on my account. I call them AGAIN on XX/XX/XXXX and this time the fraud team transfers me to a manager. I explain my situation and she looks at the notes and tells me everything I already know and heard. I tell that I already submitted more evidence and she seemed surprised by this, as if no one had even looked at my evidence and just left me hanging. She tells me that I have to wait another 7-10 days for them to send me a letter and that they would investigate further, even though they should have when I submitted the evidence. Now I have to wait another week to try and resolve everything and make it so I dont have to be charged for money stolen from me.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (FL)

In XX/XX/2020 I contacted SunTrust Bank to authorize {$1200.00} mortgage payment for the month of XXXX. In XXXX I found out that they had reported to the credit bureaus that I was delinquent for my XXXX payment when the money had been sitting in my bank, XXXX XXXX, all along waiting for SunTrust to take it. At no time did they contact me to find out if there was a problem and since the money had been deposited for the XXXX payment, I did not think there was one.  This error on SunTrusts part has caused my credit rating to be lowered when I was not at fault and this is an error on their part. I am actively working to try to correct this adverse report which has affected my credit rating and have contacted the bank numerous times. To date, they have not anything to correct the incorrect delinquency report they provided to the credit bureaus.
Consumer complaint received 2020-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I had a XXXX account which was Closed and Charged Off and Purchased by Another lender, which is reporting late payments as well. Therefore this account is reporting twice on my credit report as a derogatory. 
This is causing me alot of stress as my credit scores are below because of this reporting.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the reporting of a charge-off account on my credit report that I believe contains multiple inaccuracies. The account in question is associated with XXXX XXXX XXXXXXXX, and here are the details please delete this account
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX  Balance : {$630.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted XXXX and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2018-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc (TX)

Since XX/XX/2018, Pay Pal has been holding my money while purporting that other accounts belong to me. I have demanded that Pay Pal, Inc. validate their claim of this alleged debt and Pay Pal, Inc. has met this demand with dishonor.

Pay Pal, Inc. has admitted that one account does not belong to me and was in fact identity theft. Neither of these alleged debts have been validated and it is now XX/XX/2018, while Pay Pal, Inc. is still withholding {$240.00} from me.

This is a direct violation of the FDCPA ( federal law ) in which Pay Pal, Inc. is subject thereto. I hereby demand that Pay Pal, Inc. return my money immediately. If Pay Pal, Inc. wishes to no longer do business, they should issue a check for my funds and close the account since Pay Pal, Inc. has not validated this claim after having more than 6 months to do so, while the law ONLY permits 30 days.
Consumer complaint received 2020-05-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Conn's, Inc. (SC)

In XX/XX/XXXX, the day after XXXX, I went to Conn 's Home Plus to purchase an appliance package they had on sale which included a refrigerator, stove, microwave and dishwasher. They did not have dishwasher in stock and thy back ordered for pick up after XXXX. I never heard from Conn 's about item coming in to store. In XXXX I began getting text message about a late payment of {$44.00}. When I called customer service, I told them I never received dishwasher and was not paying for something I never received. I have spoken to customer service numerous time regarding this matter. I emailed corporate to let them know what was going on and they said they call customer service. Customer service finally said that someone pickup dishwasher on XXXX, XXXX. I asked to see the signed document regarding the pickup. They had nothing. Someone went into the computer and marked item picked up. I dont know why an employee code was not shown to see who completed this transaction. Conn 's is now threatening to turn account over to a collection agency. There is something fraudulent going on in that store. I NEVER PICKED UP A DISHWASHER AND i WILL NOT BE BULLIED TO PAY FOR SOMETHING i NEVER RECEIVED. I want proof that dishwasher was picked up and by who, I will sue Conn 's if they place any negative item on my credit report. I am also filing a complaint with the XXXX  becasue this makes no sense,
Consumer complaint received 2020-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK (CA)

I have been a customer of Discover Bank for five years. They have a bill pay service common to most banks. Some bills need to be mailed up to five days in advance of their due date. Recently, they made a change where you can not send out a bill payment unless those exact funds or more are in your account. This will make it so my bills will arrive late. 

For example, lets say I have a bill that is due on Tuesday. In this example, lets say my direct deposit arrives the Friday before. In the past, I could send my bill out on Tuesday or Wednesday the week before the bill is due, knowing that my direct deposit on Friday would arrive. 

The bank is nannying me to the point where I cant conduct business regularly. I tried calling them to see if they would change this, but the phone attendants are no help. They did not make this policy they can only apologize and explain it.
Consumer complaint received 2020-01-14
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: GreenSky, LLC (CA)

I finally logged into my XXXX  yesterday XX/XX/XXXX and I noticed 8 inquiries that should not be there. I already sent in a few for XXXX  and XXXX but there are a few more on my XXXX  that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. There was one for XX/XX/XXXX as well. Please let me know what are the proper steps in taking these off.
Consumer complaint received 2020-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

On all 3 credit reporting agencies are showing closed and paid accounts longer than 7 years on my credit reports. 
1. XXXX XXXX. Closed on XX/XX/XXXX 2. XXXX Closed on XX/XX/XXXX 3. XXXX, Closed on XX/XX/XXXX 4. XXXX XXXX XXXX closed XX/XX/XXXX 5. XXXX XXXX  Closed on XX/XX/XXXX 6.XXXX, Closed XX/XX/XXXX Also they are reporting my address as incorrect with associated to a business of contracting. Need to remove the business note. 
My address should reflect as XXXX XXXX XXXX XXXX XXXX WA XXXX. 

Employment is showing incorrect as I work for XXXX XXXX XXXX- XXXX and XXXX only. 
Phone numbers are incorrect. Should only be XXXX.
Consumer complaint received 2018-08-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

Social Security : XXXX ; XXXX XXXX. False information ( account was reported opened on XX/XX/XXXX ) ; I did not open any account with XXXX or it's affiliate. I do not know of this debt and the last time I owned a XXXX account was back in XXXX, which I wasn't aware of any debt owed, how come I get a collection reported on my credit seven years later? Please, consumers, need to be protected. XXXX XXXX please remove this information as it is inaccurate and should not be on my credit. No account number listed, but information provided was XXXX, XXXX. Send me detailed information that indicates I own the debt, date opened, break down of all payments, and guide to dispute inaccuracies.
Consumer complaint received 2024-09-06
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. (AZ)

This letter is to alert transunion. You are reporting fraudulent accounts. As law it is required that my consumer report is 100 % accurate. I am not liable for this accounts ; XXXX XXXX ( XXXX ). This account was a result of identity theft and should be removed immediately. In addition XXXX ( XXXX ) opened XX/XX/year>. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. Company has also no permission to report ANYTHING using my info pursuant to 15 USC 1681 4 -LATE PAYMENTS 15 USC CODE 1681a- definitions ; rules of construction | US CODE | US LAW | Lii / legal formation institute 15 U.S Code ; 1681 S-2 - responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC ; 1681a 2 ( A ) ( i ) except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s -3 of this title, any- ( i ) reporting containing information solely as to transactions or EXPERIENCES between the consumer and the person making the report ;
Consumer complaint received 2020-01-14
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. (NY)

Upon checking a recent copy of my credit report, I have discovered a Charge-Off account appears under XXXX with a balance of {$3100.00}. I am unaware if having any charge off accounts with XXXX. Please remove this information immediately as it is inaccurate, and is severely limiting my banking abilities.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (OH)

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Chase Card. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2020-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

In mid-2014, XXXX sold off its servicing rights or mortgage portfolio to XXXX XXXX XXXX ( XXXX  ). Since inception, ACH was set up with XXXX to have monthly mortgage payments withdrawn from a designated bank account. When XXXX took over from XXXX, XXXX failed to properly transition my two mortgage accounts and failed to inform me of any issues with late payment. XXXX  reported delinquency in payments to the credit agencies. The designated bank account was always fully funded. I have attempted to have XXXX correct this error but was given no attention. I have since paid off the mortgages.
Consumer complaint received 2018-12-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX { {$270.00} } was sent from my Wells Fargo account through XXXX to a person supposedly named XXXX XXXX email address was XXXX. Wells Fargo confirmed the transfer by sending confirmation code XXXX to my mobile phone. That transfer occurred about XXXX PST. The money was in exchange for 2 basketball tickets at the XXXX XXXX XXXX XXXX on XX/XX/XXXX. The tickets were promised to be sent to my XXXX Email Account, but never were. I spoke with Wells Fargo the same day and they said nothing could be done. They did not offer to identify the bank connected to the email. I spoke with customer service at XXXX to no avail ; they said it was Wells Fargo 's issue and would not identify the bank that was connected to the email account in their system. I also informed XXXX of the fraudulent advertising. Everyone passes the buck and scams like this perpetuate. Hopefully you can gets Wells to reimburse me for this complaint. Thank you.