davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
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. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-06-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (OK)

I had an account with Ally Financial on a vehicle that was totalled. I received an email on XX/XX/XXXX congratulating me on the car being paid off. XX/XX/XXXX I received a letter stating that I still owed {$1800.00} on the vehicle. On XX/XX/XXXX, I received a letter stating the vehicle was paid off. I have been attempting to work with Ally to resolve this issue and get this account cleared, but they have refused to help me and claim that they never sent the payoff letter or email. I see on my payment history where the payoff was made and reversed the same day. I finally received a call from their corporate office over a month later and they acknowledge that they sent the letter and would get back to me. They still haven't gotten back with me and won't answer when I try to call. Now their refusal to resolve this issue is possibly going to cost me my house loan for my family.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

There was an unauthorized transaction for {$94.00} on my account. So I tried to dispute it, when I sent in the information some of the dates were wrong so I attempted to change it. But there is no way to edit or reopen a closed transaction which I only learned later on. So now I can not dispute the transaction. This is with wells fargo bank.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (MD)

I disputed {$4000.00} on the date of XX/XX/20 with BB & T for services not rendered that was my second claim after the first one was denied. I had booked with book it for a package with flights and resort included to XXXX XXXX on XX/XX/20 XXXX XXXX emailed saying they had cancel everything and that if I still chose to fly out I will have to pay out of my pocket even though I had paid book it already. The email also dated to reach out to my bank. Im disputing for services that wasnt rendered. I paid for something that was not promise. BB & T is giving me so many different answers make it difficult for me to receive my funds back.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (OH)

I received a transfer of my unemployment benefits as well as my pandemic unemployment assistance on Monday, XX/XX/2020 at XXXX XXXX and at XXXX XXXX American Express serve sent me an email stating they locked my account and gave no further instructions or guidance or even an explanation on why they did it so they took the Direct deposit excepted it and then locked my card so I have no way to access my funds or even receive a new card to use my funds I had saved my unemployment on this card for a deposit as well as for rent because I will be homeless as of XX/XX/2020 and I called several times to notify them as well as to try to find a resolution for the problem and every time I called they would not tell me anything or even offer me help to receive a new card or anything so as of now I have no money no way to feed my family and no way to provide shelter after XX/XX/XXXX so I am asking that we hold them accountable for these funds as well as for the criminal activity they are doing to people around the world
Consumer complaint received 2020-05-21
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: HEARTLAND PAYMENT SYSTEMS INC (MI)

XXXX XXXX University XXXX XXXX XXXX first issued the XXXX XXXX XXXX XXXX while a successful student at the XXXX XXXX XXXX and several payments were made although I incurred hardship due to economic disadvantages including COVID-19. My current status is postponed until XX/XX/2020 via a phone call from a XXXX representative, XXXX. However upon receipt of my account statement, disclosures of information indicated that fees and an amount should have been adjusted due to the current pandemic. During my attendance at XXXX XXXX University XXXX XXXX XXXX, the XX/XX/XXXX crisis in New York at the XXXX XXXX XXXX XXXX on XXXX XXXX transacted and several bodies were lost such as in the current pandemic of COVID-19 and additional financial relief should be required to offset my medical school studies and other opportunities beyond. In addition to the foregoing, my XXXX school education should be paid for with financial relief disaster plan funds under the executive orders of Governor XXXX XXXX and approved through the XXXX XXXX and all forthcoming Presidents of the United States of America for my long history of problems incurred trying to find work after XXXX school and now as I am applying to return to XXXX in the XXXX at XXXX XXXX XXXX XXXX XXXX even my University of XXXX XXXX XXXX XXXX XXXX XXXX should los be allocated into the funds that would pay for my XXXX education and even XXXX School should that plan fail.
Consumer complaint received 2020-05-21
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. (NJ)

Your note ( for XXXX ) in your reply case XXXX " The data furnisher verified your name, social security number, and address in regards to the ownership of account XXXX XXXX XXXX. # XXXX. '' ( The other two credit agencies need to review their verification of information which is incorrect as noted below. ) I have never provided any data furnisher my name, social security number, and address in regard to this entry. If the data provider obtained my social security and provided it to you ( or verified it ) that information was obtained illegally, this is very concerning and would constitute fraud. Thank you for informing me of this I will file a separate complaint with the CFBC against XXXX XXXX XXXX. This is very alarming. 

However, your investigation did not provide the results as requested per section 609.  There was never any detailed information provided. If a credit company is looking to report information it should be accurate. I have never provided any personal details regarding SS #, etc to XXXX XXXX  which are a collection agency. Any personally identifiable information if provided would be a breach of confidentiality. 
Per information provided by XXXX, I am disputing the accuracy of your verification and therefor requesting that the credit consumer agency remove the collection debt of {$1400.00} from my credit report immediately. This amount was not authorized by me. I have attached documentation from the company which is not signed by me. The authorized signature is listed as someone else.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Southwest Credit Systems, L.P. (MD)

I was a customer of XXXX but in XX/XX/XXXX my service was turned off. I owed a balance of {$310.00} ; which they forwarded my information to a collection agency Southwest Credit on XXXX XX/XX/XXXX and they sent my information over to another collection agency also XXXX XXXX XXXX  on XXXX XX/XX/XXXX. I have been receiving calls non stop from both companies even after explaining to them that I have spoken with XXXX about them placing me with 2 different collection agencies for this 1 bill and that I need to know who actually suppose to hold the account. I have told them that they need to contact XXXX also and they reply in an aggressive manner with " They are the original holder and XXXX has entrusted them to collect on the debt in the amount of {$310.00}, and I will pay the amount that is owed or further action will be taken. 
I feel like I am being strong armed by both companies for a total of {$620.00} ; which is more than what I originally owed.
Consumer complaint received 2020-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NY)

I suddenly had a purchase declined at approx XXXX EST on XXXX. I had enough credit to cover it but could not make the charge. I verified online where SUDDENLY there is a problem with my account that wasn't there 3 days ago. I saw they had my old cellphone number but I can't take it off of the account because they won't let me use my email addresses ( they have 2 ) to verify it is me - they want to text a code to a phone I don't have! I borrowed my neighbor 's prepaid emergency medical phone & spent nearly 20 minutes on the phone with synchronicity. They said they would email a link. I got the link and they wanted a video of me & photo of my ID card. They REFUSED TO ACCEPT MY US PASSPORT CARD AND MY VA VETERAN ID CARD. I called a 2nd time and they say they want to mail me a letter with a code on it WHICH MY NEIGHBOR WILL STEAL AS I HAVE NO SECURED MAILBOX AND THEY HAVE STOLEN MAIL BEFORE. So explain how a letter sent to an address that ANYONE CAN OPEN is more secure than both of my email addresses. And explain why US PASSPORT CARD and VA XXXX VETERAN ID CARD are nit valid photo ID.
Consumer complaint received 2020-05-21
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-05-21
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. (NC)

I've sent several times to Experian fraud department a police report and FTC report with court records showing the loans through XXXX and XXXX and XXXX  XXXX XXXX are not mine. The police went to the dealerships and viewed the tapes from the purchase of those cars and saw it was XXXX XXXX XXXX using my information, A Judge in XXXX NC Named Judge XXXX issued several XXXX  for XXXX XXXX XXXX XXXX  for using my identity. Those three auto loans are not mine. Please remove
Consumer complaint received 2020-05-21
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. (OH)

mY NAME IS XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My DOB is XXXX my SS # XXXX. I am having issues with inaccurate information on my credit file. The following addresses are not mine : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current EMPLOYER/ JOB : XXXX XXXX ar XXXX XXXX XXXX XXXX following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

On or about XX/XX/2019. I was contacted by a collection agency AFNI Inc . They sail that I owed XXXX XXXX {$410.00} which I explained I'd never had service with this provider in return they keep calling daily and the outstanding balance still remains on my credit report or shows that the account has been paid depending which agency you use.
Consumer complaint received 2020-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NY)

This is not a complaint. Its acually a request for help. This situation is being overwhelming for me now. This is about a mortgage account. The account information is the following : Card # XXXX, openedDate XX/XX/XXXX, Highest Balance {$6200.00}. 

I have a perfect payment history on this account since it was opened in XX/XX/XXXX ; until XX/XX/XXXX and XX/XX/XXXX that I was marked late. I have been affected by covid19. Its been a terrible situation. I called multiple times a day to get deferment but I was put on hold for hours and could never get through due to high call volume. This was not my fault, chase should backdate the deferment and remove the lates. 

This was lenders negligence and unfair business practices, they were giving deferments but he could never get through on the phone to get deferment. We are living dificult times, and I hope to get a fair solution to this matter. I am requesting to get the XX/XX/XXXX-XX/XX/XXXX late payments corrected. 

Thank you so much.
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion is reporting Ch XXXX Bankruptcy on my credit report. This has cause me to be denied credit every time my credit is ran. This is not fair because I paid all my creditors with my retirement fund instead of filing a Bankruptcy. When I lost my job I inquired about ch XXXX but never entered into the chXXXX and I have a letter stating " Dismissed before Confirmation ''. I will attach the letter from the court and he letter I sent Transunion request it be removed. I this is defamation of character.
Consumer complaint received 2020-05-20
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 (CA)

I AM A VICTIM OF AN IDENTITY THEFT REPORT, AND I HAVE BEEN SUBMITTING ALL THE REQUIRED DOCUMENTATION TO YOU AND THE THE BUREAUS, I HAVE EVEN SENT THE NOTARIZED DOCUMENTS TO YOU THE BUREAUS. THE FRAUDULENT ACCOUNT FROM BANK OF AMERICA WAS OPENED AND MAINTAINED WITHOUT MY CONSENT. THE CHARGES AND THE ACCOUNT IS FRAUDULENT. I HAVE REACHED OUT TO XXXX  MANY TIMES THEY KEEP ASKING ME TO SEND THEM COMPLETED FTC REPORT, BUT NOTHING IS BEING DONE.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX my phone was stolen and the person gained access to my ApplePay and used this to make a {$4800.00} purchase on my Apple Card at an Apple Store in XXXX, NJ ( I live in XXXX )- some 50 miles away. When I realized this, I immediately called up to explain the fraud and a case was opened on XX/XX/XXXX. This case was closed on XX/XX/XXXX with merchant claiming I was responsible. When I asked how and for the evidence proving that I made the purchase I was told they could not give it to me over the phone but would mail it to me. I explained that they could look at the security footage and see that it was not me. I also explained that I had purchased a new phone that same day to replace my lost phone. I never received the evidence and continued to call asking about it. I never heard back and again on XX/XX/XXXX the case was closed against me. I immediately called and spoke to a supervisor who reopened the case and claimed they took copious notes explaining the situation. Again, I was told evidence would be sent to me and it wasn't. Again the case was reopened. It was closed on XX/XX/XXXX again against me WITHOUT anyone contacting me or sending me evidence on how they made the decision. I asked them to reopen the case which they than closed on XX/XX/XXXX AGAIN without anything being sent to me. At this point, I got on the phone with another supervisor who looked over the records and indicated this was never opened as a fraud investigation but rather a normal dispute. They re-opened the case as a fraud investigation, they provided me a link to submit my receipt showing I purchased a new phone within a very short time of the XXXX store purchase some 50 miles away - making it impossible for me to be in 2 places at once. On XX/XX/XXXX, they AGAIN closed the case against me.
Consumer complaint received 2020-05-20
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. (FL)

This the 7th time i've reach out to Experian and still haven't got results this very last time was dated on XX/XX/XXXX Experian Company responded on XX/XX/XXXX saying that my CFPB complaint does not appear to have been sent directly by me or to be authorized by me which is FALSE, i don't understand because i'm NOT working with anyone or any credit company i'm doing this complaint and disputes myself ... in the past i have called Experian and filed a dispute over the phone that did not help at all!! just got a letter saying all the fraudulent account was verified with no explanation or proof when that didnt work ... 8 months later i log into the Experian dispute website and filed a dispute with supporting documents such as FTC report POLICE report ID and still haven't got a result next i mailed letters to Experian still nothing even FILED a complaint with the CFPB which they replied saying that i need to do it over again because they feel like i didnt authorized my complaint my Experian Report Number is XXXX ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report was open fraudulentlymy FTC Report Number XXXX and Police Report number XXXX XXXX ( b ) Block. Item must be blocked in no less than ( 4 ) days ACCOUNT NAME : XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX {$300.00} i sent in my FTC report and also My police report .... my next step is to hire a attorney to help me with this matter if Experian continue to not fix this issue i already place a fraud alert
Consumer complaint received 2024-10-15
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: Affirm Holdings, Inc (MI)

Over the last XXXX  days, XXXX and Affirm have received multiple complaints and disputes regarding inaccurate information on my credit report. Note : XXXX is the only agency who has failed to correctly recognize the inaccuracy and remove the affirm data from my report. 

XXXX began receiving claims against this company in XXXX 2023 through XXXX XXXX XXXX XXXX has been aware of the issue since then and still fails to remove the inaccurate records. 

XXXX received a claim around XXXX with approx XXXX items to be disputed. Upon receiving that claim, XXXX only selected XXXX items to review and ignored the rest of the letter as provided. 

XXXX was again notified of their failure to accurately handle a FCRA request and noted their violation. They also received additional information regarding the claim from Affirm, LLC. Again, XXXX did not review the data provided and just contacted the furnisher who continues to affirm that the information is accurate, even with provided proof to XXXX. 

XXXX was contacted again, and they did not provide any additional information as to why they are refusing to correct the inaccuracy, even with multiple records submitted. 

We have provided multiple official statements to XXXX as well as the creditor. We have provided proof of emails showing the auto payment is set up. We have submitted multiple proofs of documentation, including a claim to the XXXX with Affirm. However, even through it all, XXXX has failed to comply with the request for removal.