davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Attention : Transunion Dear Transunion This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Made on : XXXX Made with : Transunion Made by : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Made on : XX/XX/2020 Made with : Transunion Made by : XXXX XXXX XXXX XXXX XXXX  Made on : XXXX Made with : Transunion
Consumer complaint received 2022-01-12
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: LEXISNEXIS (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2023-06-09
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. (KY)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-23
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WV)

I had a second mortgage on my home and went through a bankruptcy in XXXX. BofA then bought that loan which was no longer being paid. When I sold my house in XXXX, the sale could not complete because of the lien for that loan. BofA would not work with the title company and requested an authorization to be signed, which I did on XX/XX/XXXX, along with calling BofA myself. I gave the representative my account number ( XXXX ). She could not find any record of that account number. Finally, she used my SSN and found that I had an account, but that it had to closed because it had been written off ( for taxes, she explained ) so that there was no account to collect on. So then we started down the path of trying to get lien released so the deed could be transferred to the new owners. My closing was XXXX and since they couldn't process that quickly, an escrow was created to allow the sale to proceed. After repeated inquiries by the title agency, a confirmation number XXXX was given on XXXX with the promise of resolution in 10 business days. On XX/XX/XXXX BofA indicated the lien release request had been cancelled and that a balance was due- but would not provide that amount. After numerous contact attempts again by the title company, BofA provided reference # XXXX and again said there would be resolution in 10 business days. On XXXX the title company notified me that they were continuing to try to resolve the issue with BofA but that the Bankruptcy, Payoff, and Recovery division and the Charge-Off division kept redirecting to the other without resolution. On XXXX, BofA finally sent a payoff amount. 

Given the answer given to me by the first representative that I spoke with, that she was answering questions based on actually documents she was looking at as we spoke ( not postulating possibilities ), and the time it took to get a simple payoff requiring the involvement of their payoff division, I believe BofA illegally demanded payment for a written-off debt, using the lien as leverage.
Consumer complaint received 2022-01-23
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. (GA)

I originally opened an account with moneylion that was paid in full on XX/XX/2021. Payment was processed and confirmed by XXXX XXXX for {$330.00} confirmation number XXXX. The payment was made via bank account ending XXXX. Account reflects zero balance on website yet they refuse to update account with credit bureaus. They are reporting that the account is still open and in charge off status with a balance due of {$330.00}. I want this account either updated to reflect a zero balance dating back to XX/XX/2021 or removed completely. XXXX has several lawsuits and claims already filed against them for incorrectly reporting accounts to the credit bureaus. I have called and emailed several times over the last few months to get this rectified and they have done nothing about it after months of promising to fix it. I have also disputed it with all three major credit bureaus yet XXXX keeps reporting that the account balance is valid. The credit bureaus should be held liable as well since I've submitted proof to them several times which included the payment receipt yet they have not removed it either.
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (WI)

Tried to resolve this with this company, they sent me this a response. The company didn't do the right thing, they have committed fraud. This needs to be addressed and forwarded to the FTC and FBI and I will be ready for a federal lawsuit and will be in presence to every legal trial. 

As an American My Rights Have Been Violated, This company did not protect the consumer, therefore they are an fraudulent company
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NJ)

I opened Amazon Store Credit Card with synchrony bank last XXXXI was using my card responsible and paying it on time however when i was purchasing some goods from Amazon.com and my card was declined.I logged in my account and it was saying " This account has been closed. No further purchases will be allowed. Continue to make payments until your balance is paid in full. '' I directly called the bank and told them there should be something wrong because there was not any problem between me and the bank until they close my account.They advice me to wait 5 business days and i will get mail from the bank that explains why my account closed without any notice.After couple days i received mail from the bank that says " Activity on account ( s ) with Synchrony bank indicative of high risk of failure to pay '' .I called the bank again and requested to talk supervisor for activate my account back because the reason bank provided to me was not acceptable. I explained the supervisor that i am employee of Amazon, also have 2 e-commerce business and most importantly that 8 years of my credit history, i have no late payment at all.She said she opened ticket for this situation and unfortunately i received final result that says they can not be able to open my account back.They advice me to apply again for the same card which i would not do that way. 

As a result.Synchrony bank shut down my account without any notice and unfairly so i could close my account before bank gets any closing action.Because of this situation, my credit score went down more than XXXX points also their inquiry will show up on my credit file 2 years and bank also would not give my any points that i collected with my purchases. I am very upset for this situation since i am in good shape and very responsible person financially. Please help me to get resolve for this situation. 

Thank you
Consumer complaint received 2022-01-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TN)

I sent a letter to I C System requesting verification in XXXX of 2021. The company never responded. I followed up with a cease and desist letter for all communication. As a federally protected consumer, I am aware that communications the conveying of information regarding a debt directly or indirectly to any person through any medium according to the FDCPA. I C System is still conveying information ( alleged debt ) to persons ( consumer reporting agencies ) through a medium ( my consumer report ). The organization have a host of violations against the FDCPA.
Consumer complaint received 2022-01-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA (GA)

In the process of refinancing my XXXX XXXX XXXX I made the payment due XXXX XXXX on the due date the loan refinance by XXXX XXXX was paid loan in full XXXX XXXX according to the amount they were given and the XXXX statement which shows the payoff amount. I am due a refund of that XXXX payment for XXXX. I have made several calls to Hyundai Motor Finance Customer service regarding the refund overpayment made of {$390.00}, I have Never received a phone call text email or letter from hyundai Motor finance nor any communication regarding my request all calls and mail were initated by me with no response a copy of my certified mail receipt via postal mail are included in my documents, I got no response to that certified letter I sent to their corporate office. My bank statement shows the payment taken from my account. Hyundai Motor sent an email acknowleging the monthly payment made XXXX XXXX for {$390.00} as well as the full payoff of {$19000.00} XXXX XXXX Below is the Call log of phone calls I made to Hyundai Motor Finance each time I was told they would look into it I never got a call email letter or any response. 

XXXX XXXX called XX/XX/XXXX called XX/XX/XXXX, XXXXcalled also sent certified letter to corporate office requesting refund XX/XX/XXXX called XX/XX/XXXX called XX/XX/XXXX, XXXX with Supervisor XXXX told me escalating my case to payment processing center XXXX XXXX called XX/XX/XXXX, XXXX with XXXX XXXX said excalating XXXX XXXX for refund to payment processing center XX/XX/XXXX, XXXXSpoke with XXXX customer service I asked for supervisor or manager transferred me to XXXX she told me my case was closed no refund was due my payment of {$390.00} was part of the payoff amount for my loan she gave me the case # XXXX. I am a XXXX yr old senior on a fixed income I feel humiliated ignored and abused disrespected as a customer I never missed a payment never late with my account with Hyundai Motor Finance would never do business with them again or advise anyone I know to do so, I know I am just one person they are a large corporation but they should not be allowed to treat people the way I have been treated. I just want what is owed to me. They just wanted me to sit down shut up and go away!!!
Consumer complaint received 2022-01-23
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. (FL)

So, please look at my credit report. I have never been late with any payments. I have never been in bankruptcy or anything else. I pay my revolving debt in full each month. I am ahead on my mortgages. I have 2 zero % credit cards that I am utilizing ( which I would consider a good cash management practice ). I maintain several bank accounts with averaging $ XXXX XXXX month. These are liquid accounts at regional banks, does not include retirement assets or anything. So would you please tell me why my credit dropped upwards of XXXX XXXX in one fell swoop? From XXXX to XXXX 
Further there is no mechanism to question the scoring models, or agency or person or company. Thats a bit of problem.
Consumer complaint received 2022-01-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

This company is unable to verify the debt I supposedly owe them. I have sent over two letters asking them to verify the debt and they were unable to do so. They were unresponsive to my original demands and did not send over documents proving that this debt is mine. A credit card statement is not verifiable because it can be compromised. I specifically asked for the original documents, my signature, and proof that this company is licensed to collect in my state.
Consumer complaint received 2022-01-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I had a loan with XXXX XXXX XXXXXXXX during my time with them I was enrolled in the covid relief forbearance program. I was approved for a partial claim in XX/XX/2021 and then my loan was sold to PHH in XX/XX/2021. Was loan sold to PHH I was put on another forbearance plan but started making regular mortgage payments. Phh applied my payments to the months of XXXX through XXXX which the partial claim had covered. I requested in XXXX that investigate the payment issue an partial claim. I've made 4 payments to PHH for the month of XXXX XXXX XXXX and XXXX which were due when transferred in XXXX. Since then I have followed up with both servicers an received no help but instead I received an intent to foreclose letter from PHH. PHH denied my payments for XXXX and XXXX. As of today XX/XX/XXXX I still haven't received any help or resolution. Thank you for your help
Consumer complaint received 2023-06-09
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. (PA)

Fraud Accounts on credit report 1. XXXX XXXX {$550.00} 2. XXXX XXXX XXXX XXXX XXXX {$210.00} 3. XXXX XXXX XXXX XXXX {$43000.00} Inquiries 1. XXXX XXXX XXXX XXXX 2 XXXX XXXX XXXX XX/XX/XXXX 3.XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (AZ)

This is regarding my checking account with PNC bank. I mailed an {$1800.00} dollar rent check in XXXX of XXXX for XX/XX/XXXX rent. The check was lost in the mail. I stopped payment on the check. In XXXX of XXXX, the check was altered to {$4800.00}, the business name who I wrote the check to was scribbled out and an individuals name was written above the scribbled out original name. The dates were altered to as well to XXXX. I immediately contacted PNC to dispute the charge. I eventually spoke with a manager and said the money would be put in my account provisionally after two weeks. After a month of the funds not being returned I called back and was told that they do not put money back provisionally and that they had 4 months to settle the dispute. I asked for some specifics on the status and was told to contact the fraud department for that. I was given their number and was told it would be a voice-mail and to leave the requested information and I would get a call back. I have left XXXX voice-mails and no call back. I was also assured that a hold was on my account as I could not close it because of the fraud investigation. Low and behold another fraudulent transaction hit my account on XX/XX/XXXX. Evidently a hold was never placed. I spoke with another manager and she was able to tell me the original {$4800.00} altered check was fraudulently cashed at Bank XXXX XXXX. I again asked to speak with the fraud department. She said she had the same number as me for them, but she would contact them on my behalf. Today she called me back and said that she has not received a response from the fraud department and could not give me any updates. I have been scammed twice now. Once by a criminal who altered my check and again by my own bank that will not even do the simplest task of calling me back.
Consumer complaint received 2022-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

I wired {$6600.00} to an account at JP Morgan Chase Bank in XXXX, NY on XX/XX/XXXX for the purchase of on online car sale that ended up being fraudulent. Bank information is as follows : Beneficiary Bank : JPMorgan Chase Bank Address : XXXX XXXX XXXX XXXX, XXXX, NY XXXX Beneficiary Name : XXXX XXXX Mailing Address : XXXX XXXX XXXX, XXXX, NY XXXX Account Number : XXXX Routing number : XXXX Reference number : # XXXX. The transaction began when I made contact with supposed car seller XXXX XXXX, XXXX XXXX XXXX XXXX IN XXXX, via a listing on XXXX for a XXXX XXXX VIN # XXXX. We exchanged emails in which she described needing to sell at a low price because of moving out of country. She let me know that she had a shipping company handling the sale ( XXXX  XXXX XXXX XXXX XXXX IN XXXX / ( XXXX ) XXXX / XXXX / https : XXXX ) She described a transaction in which I would pay for shipping, the company would hold full payment in reserve, and I would have five days once in receipt of the car to decide if I actually wanted to purchase it. XXXX contacted me with the wiring directions above. I sent the money, and they sent a straight bill of lading with a delivery date of XX/XX/XXXX. The car wasn't delivered on time and all attempts at contact with the delivery company and seller since then have gone unanswered. Indeed, the phone simply rings a few times and then beeps with no voicemail, and clicking a few times through the website goes nowhere. I began to realize it was a scam and a search on the VIN found this : https : XXXX. I contacted my bank, XXXX XXXX XXXX XXXX, on XX/XX/XXXX. Both their attempts at rectifying the situation with Chase and my attempts to communicate with Chase about this issue have gone unanswered.
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.
Consumer complaint received 2022-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STERLING JEWELERS, INC. (FL)

During the XXXX season of XXXX I XXXX XXXX the consumer and natural person alive and living received communication from a third party debt collector XXXX XXXX XXXX XXXX XXXX XXXX owes {$210.00} XXXX This alleged debt had already been disputed and thus removed from my credit reports thru cease and desist with Sterling Jewelers. I have no consumer credit transactions with XXXX XXXX XXXX and did not give XXXX XXXX XXXX permission to contact me or anyone else about this alleged debt owed. On XX/XX/XXXX XXXX XXXX XXXX communicated to CRA 's of alleged debt and it impacted my credit score in a negative manner.
Consumer complaint received 2022-01-23
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. (CT)

This is a follow up of complaint XXXX which was not resolved. 

A credit card was fraudulently opened in my name on XXXX XXXX with XXXXXXXX XXXX for a XXXX XXXX account. This investigation concluded on XX/XX/XXXX with XXXX XXXX concluding it was a fraudulent account and notifying the credit bureaus ( see attached documentation ). 

TransUnion is refusing to remove the account from my record and is causing issues with my mortgage.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"
Consumer complaint received 2024-10-17
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. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (WI)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.