davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-11
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: Freedom Mortgage Company (MA)

I have a relationship with credit monitoring companies : 1- XXXX XXXX 2-XXXX XXXX Several times over the last few months, I received notifications from both companies, alerting me, that Freedom Mortgage had made " hard inquiries '' into my credit file. 
This has been without my consent. 
I contacted the company numerous with attempts to question why, and I had not completed a application the times the inquiries were made ( XXXX, XXXX, XXXX, XXXX-twice ) In XXXX I connected with a person who identified his self as XXXX, a manager in Client Services, who spoke with me on a recorded. 
XXXX confirmed the problem was real, and it had been happening to others. 
I asked XXXX where did you get my information from? He stated, XXXX sold them my social security number, but they should not of made the hard inquiry without my authorization or an completed application on file. 

XXXX, said the problem would be escalated, and the inquiries removed immediately, but I would hear back in 24 hours from the sales Manager, this never happened. 
although XXXX provided his phone number, he never ever took any further calls from me, as I attempted to reach him afer " not '' hearing from the infamous Sales Manager with no name. 
After checking back with the credit bureaus suddenly the inquiries disappeared frm XXXX, to only reappear on XX/XX/XXXX. 
After many attempts I was able to reach someone that identified themself as a sales Manager named XXXX XXXX, Who said he too would look into. 
He also provided an email address, and ask for proof which was sent to his email. 
I have not heard back from Mr. XXXX either this was a week ago. 

My Husband has experienced the same.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I reached out to Experian XX/XX/XXXX with information that has been on my credit report for awhile and the items does not belong to me i filed a FTC report and attempted to get a police report, but they stated since nothing tangible was taken they couldn't make an official report. I have items on my report that are not being validated I explained to them these items where fraudulent accounts that i did not open. I reached out to XXXX/XXXX the company reporting the accounts and they stated they couldn't find my information on file or it was transferred to a different department in which they didn't know to who. So if that's the case then they can't validate the account is mine Experian responds saying it was verified as mine but i never received any documentation showing I owe XXXX bucks because the documents don't exist. My other issue was a centerpoint account from XX/XX/XXXX its stating i owe XXXX in which i never had an account with them i called and asked them to send me supporting documents and they did't have any of my information in there system and tried to offer me an account i relayed the information to Experian to have this invalid information removed and they say it was verified as mine and i didn't get any documentation nor does the company have me on file.
Consumer complaint received 2024-10-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (MN)

I am a victim of human trafficking. I found out that I had a XXXX XXXX  now with XXXX XXXX XXXX. The XXXX of Minnesota XXXX XXXXXXXX XXXX XXXX paid this debt because I am in emergency housing with them. We have been trying to get it off XXXX and XXXX but they are not following the law. I sent them my victim determination letter and proof the debt was paid and asked them to remove it from my credit report. Im not sure if the lady I talked to was actually telling the truth because she said in 60 days they will remove it. But she said that before I even got the email to send the documents to XXXX XXXX. This being on my credit report is causing me to be denied housing and I have never owed a landlord or apartment previously.
Consumer complaint received 2024-08-18
Product: Credit reporting 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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX. XXXX XX/XX/year>, XXXX XXXX XXXX  XX/XX/year>, XXXX XXXX XXXX XX/XX/year>.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

This Person ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Early Warning Services, LLC (CA)

I have an account of XXXX bank and my friend has an account of BOA. I sent her XXXX dollars through Zelle transfer on XX/XX/XXXX. Money was immediately gone in my XXXX XXXX  account but was never delivered to my friend BOA account. 

We tried to ask XXXX but they said they could do nothing. 

We tried to ask XXXX XXXX  for dispute the transfer, but they have no response yet. 

We tried to contact Zelle, but can not. 

Please help me with the issue. I would like to get my money back.
Consumer complaint received 2018-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

on XX/XX/2018 my account was overdrawn by {$63.00} the following day XX/XX/2018 i am going to deposit {$70.00} so that i will not be charged by insufficient fee but when i check my account online i was charged 3 insufficient fee of {$34.00} total of {$100.00} i called the bank and ask them why they charged me of 3 insufficient fee they said that my account was overdrawn 3 times i told them that on XX/XX/2018 i still have enough fund in my account .they did a double entry to my account that is why my account was overdraw 3 times.I told them that i will file a complaint.i even ask them if they can wave the penalty.
Consumer complaint received 2023-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, my wallet was stolen from my work around XXXX and my Chase card was used for unauthorized transactions later that night around XXXX and around XXXX on XX/XX/XXXX. I filed a claim with Chase ON XX/XX/XXXX to dispute it and the dispute was denied on XX/XX/XXXX. These transactions were denied, but these transactions were not authorized by me. 

1. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : {$10.00} 2. 
XXXX XXXX XXXX # XXXX XXXX XXXX CA XX/XX/XXXX : {$18.00} 3. 
XXXX - XXXX XXXX XXXX CA XX/XX/XXXX : {$27.00} 4. 
XXXXXXXX XXXX XXXXXXXX CA XX/XX/XXXX : {$50.00} XXXX. 
XXXXXXXX XXXX XXXX XXXX CA XX/XX/XXXX {$61.00}
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

I saw a collection on my credit report by Conserve. I had already paid my school what I owned them. When contacting them on XX/XX/XXXX I informed them and they refused to remove it from my report. I informed them they were reporting it a debt paid and they did not collect the debt. I asked both the person who answered as well as the manager. Did you collect the debt? She just have a contract with the school. I asked again You have this on my credit report as paid to you. Did you collect the debt? Same answer this time she was being an XXXX and goes " Did I collect the debt personally ''. Also their letter they send out to people has a XXXX number. Basically on purpose forcing someone to call their XXXX area code number. I contacted the school and they even cleared the debt so there is no debt for this XXXX company to collect not can they legally report it on any of my three credit bureaus. 

Trying to select ConServe is says do not use.. The company I am is ConServe aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX @ XXXX
Consumer complaint received 2023-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio RC XXXX XXXX This account was settled for less than the balance. The company updated the comments to show paid in full for less than the full balance but updated the actual balance to show the amount they discounted as due. This is preventing me from being able to purchase my home. I have requested for them to update to the actual balance and have no responses. 
I need this account to show the correct balance of XXXX.
Consumer complaint received 2022-08-31
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: EQUIFAX, INC. (GA)

This complaint is not being filed by a 3rd party and is not a duplicate complaint. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX 4. Account XXXX : XXXX Account # XXXX 5. Account Name : XXXX Account # XXXX 6. Account Name : XXXX Account # XXXX 7. Account Name : XXXX XXXX Account # XXXX 8. Account Name : XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX  XXXX Account # XXXX 10. Account Name : XXXX XXXX Account # XXXX 11. Account Name : XXXX XXXX  XXXX Account # XXXX 12. Account Name : XXXX XXXX Account # XXXX 13. Account Name : XXXX XXXX  XXXX Account # XXXX 14. Account Name : XXXX XXXX Account # XXXX 14. Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX 15. Account Name : XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 16. Account Name : XXXX XXXX Account # XXXX 17. Account Name : XXXX XXXX Account # XXXX 18. Account Name : XXXX XXXX Account # XXXX 19. Account Name : XXXX Account # XXXX 20. Account Name : XXXX Account # XXXX 21. Account Name : XXXX Account # XXXX 22. Account Name : XXXX XXXX Account # XXXX 23. Account Name : XXXX XXXX Account # XXXX 24 Account Name : XXXX ACCEPTANCE Account # XXXX 25. Account Name : XXXX XXXX Account # XXXX 26. Account Name : XXXX XXXX Account # XXXX 27. Account Name : XXXX Account # XXXX
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress XXXX XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE SEE ATTACHMENTS : Transunion has violated federal laws, including the FCRA and GLBA, by unauthorized reporting, lack of verification, failure to comply with opt-out provisions and disregard for proper investigation procedures, infringing upon my rights and causing substantial harm.
Consumer complaint received 2022-08-31
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: TD BANK US HOLDING COMPANY (NY)

They run my credit without my authorization TD AUTO FINANCIE VALLY 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 2022-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (ME)

This is in relation to a previous complaint regarding a payable upon death document on my fathers checking and savings accounts with Key Bank in XXXX Maine. As the personal representative of my dads estate I went into the bank on Friday XX/XX/XXXX to receive my portion of my dads account. I was told by the bank representative XXXX XXXX that I was not listed as a beneficiary, that my sister is the sole beneficiary. In a previous response to a complaint that I filed with you a representative from the banks presidents office acknowledged that my sister and I are both designated on the payable upon death document. See complaint # XXXX. The response went further and stated I would need to go into the bank to sign a form and I would be issued a check for half the money in each account. The bank has yet to produce the payable upon death document for me to see. And now the bank refuses to give me my half of the money.
Consumer complaint received 2022-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (NM)

Charged unadvertised, unfair and undeserved apr of XXXX rather than the advertised XXXX for XXXX score and not given {$1000.00} discount for items purchased as promised for applying for the card.
Consumer complaint received 2022-06-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

We signed up our construction loan with Citizens One Bank on XX/XX/2020. It was one year and interest only loan. During this time, we paid all our construction loan interest payments in the timely manner. As everyone is aware of the national and international shortage of material/resources such as lumbar, appliances etc. Our house construction was also heavily hit by these problems, resulting in delays several times. During our construction we rant into issues such as 1 ) Crew had XXXX  for several days/weeks and the construction was halted 2 ) Lumbar shortage hit during peak XXXX times and our builder was not able to procure material despite his best effort 3 ) lastly, electrical post that provide electricity at the house was also unavailable due to which our builder could not go forward with the construction as a lot of things are weather dependent such as flooring etc.

List above are some of the reasons we tried to explain to the bank and requested for extension past our 1 year period. However, bank still choose to slap us with XXXX for 3 months extension last month. I am here requesting to waive off this penalty give the circumstance not just in XXXX but also worldwide. It's already hard enough to continue to pay high interest to bank for several extra months as well as pay additional to builder higher markups on the material. banks continue to profit, while banks are allowed to take advantage of their customers during COVID during this unprecedented time. I am hoping that we will be able to get some help on this matter. 

Below are our account details so things can be verified. Please do let us know if there is any other documentation needed from our end. 

Thanks, XXXX XXXX
Consumer complaint received 2022-06-20
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. (TN)

The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in XX/XX/XXXXto promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Experian is reporting that I Have a child and that I am delinquent with family support. I do not have a child. This is incorrect information. I do not have any children. I am XXXX. I have reached out to this company and XXXX and XXXX has removed it completely from my consumer report.. This is just harmful to my consumer report causing adverse reaction when applying for credit and causing higher premiums.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-08-24
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. (GA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX  Account Number : XXXX Delete From My CREDIT REPORT 2. 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX  XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. The following personal information is incorrect Account Number : EMPLOYER : SELF EMPLOYED- RECORDING 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT 10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT XXXX1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete From My CREDIT REPORT
Consumer complaint received 2023-08-24
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. (DC)

I need these hard inquries removed from my credit reports. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Illinois Collection Service, Inc. (IL)

I requested validation of this debt several times from both credit bureau and collection agency after seeing it on my credit report. it couldnt be validated by collection agency. i received a fake statement ( bill ) in the mail as validation. Not only do i know this isnt a account thats mine but based on this statement i received the dates of service doesnt  reflect proper name or address at the time. i wasnt known by this new name or address until 6 months ago so how is a statement from XX/XX/XXXX-XX/XX/XXXX showing my new info???
Consumer complaint received 2022-08-31
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. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.