davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-21
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: Resurgent Capital Services L.P. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-21
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: U.S. BANCORP (AZ)

On XX/XX/2020 XXXX XXXX XXXX XXXX XXXX issued a credit for {$2400.00}. Credit never posted to my account and on XXXX XXXX I contacted XXXX XXXX XXXX  requesting help to locate the credit. They referred me back to the merchant. On XXXX the merchant sent me a receipt with an authorization code and the transaction date and time. I sent these to XXXX XXXX vis their secure website and they responded they would look into it. I never heard back from them and XXXX XXXX sold their credit card to US Bank. XXXX from US bank contacted me on XXXX requesting I fax her the documentation that I had. It was faxed on XXXX and confirmed it went OKXXXX XXXX contacted me on XXXX stating she had not received the fax and would like it to close the file as the original transaction was too old to dispute and could not help me about the missing credit. I told her I wasn't disputing the transaction as it was legit and the merchant submitted a credit for the trip cancellation. I would like to know how I can get someone to determine where the credit for {$2400.00}. was posted. I would think that the bank would have someway of going to XXXX XXXX to determine what happened to the transaction as the receipt from the merchant showed it to submitted electronically with an authorization code. It is very frustrating that the electronic banking and XXXX XXXX XXXX can not trace a transaction through their system and apparently could care less as they do not have to handle it like a disputed transaction. Documentation attached
Consumer complaint received 2021-04-21
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/21 I opened an account with Bank of America and I transferred funds from another account with them an was wanting to make a purchase online through plaid services and also XXXX and also ACH and continued to even enroll in the online banking I've been having trouble with their app saying that I'm not allowed to online banking option but then I go on my Chrome Explorer and I'm able to log in to my account and have my agreements and everything disclosures that they have given me saying that I do have online enrollment and so now I'm trying to purchase something through other ways to purchase, still they are blocking my payment for purchases when I have Mobile online banking I just haven't got my card in the mail yet because I just signed up a couple days ago this is unbelievable and irritating because it happens to be night time where I can't get a call Representative online to talk to so very inconvenient very frustrating.
Consumer complaint received 2021-04-21
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX ... CAPITAL ONE XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NJ)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This may not be a legitimate " complaint '' per se, but merely a request for clarification and/or explanation. 

Due to exigent circumstances ( medical and vehicle repair expenses ), my overall credit use increased by a little over {$1100.00} last month, As a consequence, on XX/XX/XXXX my credit scores at XXXX  and Transunion incurred a 17 point hit/drop. 

On. XX/XX/XXXX, I paid down those balances by XXXX and my scores rose only 1 point! 

On XX/XX/XXXX, I paid down another {$200.00} ( for a total of {$740.00} in 3 days ), and my score rose only 1 point, again! 

As I've paid nearly 70 % of the debt increase that cost me 17 points, why hasn't my score rebounded by commensurate amount - to an increase of 12 points??? 

My Vantage Credit Score remains at XXXX, XXXX, or XXXX, depending on which other bureau or creditor I view. 

My Score Rating is " Good '' Payment history rated " Grade A - 100 % '' Account Mix - Credit Age - Inquiries are all also rated " Grade A '' Credit Usage alone is rated " Grade C '' ( 67 % ) Why the disparity in scores, and - most egregiously - WHY DO MY SCORES RISE SO LETHARGICALLY AS COMPARED TO THE SUBSTANTIAL - AND IMMEDIATE - DROPS? 

Thank you!
Consumer complaint received 2021-04-21
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. (NY)

I have contacted XXXX XXXX XXXX USA by phone, and by mail, and even fax regarding fraudulent account that appear on my credit file. I have disputed this account as fraud and opened as a result of identity theft, I have also uploaded, faxed and mailed certified a copy of my very recent credit report to XXXX XXXX XXXX USA and bank have ignored my fraud disputes, bank have neglected to utilize my recent credit report to block this fraudulent account from my credit file. I have exhausted all avenues available to me and followed the FDCPA guidelines to rectify these fraudulent accounts but I have continued to be ignored by the bank. The following account is not mine and is on my credit file as a result of identity theft/fraud that I reported to the local police department : XXXX XXXX XXXX XXXX Police report filed on XX/XX/2020 ) This is not my account and I have also communicated this same information and provided my police report to this business listed above, and it have refused to assist in the correction of the fraudulent information. It is all acting in a willful and malicious manner and continuing to defame my character by knowingly reporting information it has been fully informed was fraud.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

my mother is s a XXXX year lady that lives with me in XXXX XXXX Ca and my mothers money was taken out in XXXX use her information i did let the bank know and they are denied my mother of and fraud. she did do a police report and the bank does not want to take it in consideration..
Consumer complaint received 2021-04-21
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 — Problem with personal statement of dispute
Company: AMERIS BANCORP (LA)

On my credit its showing I missed a payment in XX/XX/2020. I have never missed a payment ever or been late. But I did a forbearance for 3 months. That would be XXXX, XXXX and XXXX. I was dealing with a miss XXXX At the time. I called multiple times and Ameris bank said everything looks good on their side. I tried to talk to a credit to dispute but I cant.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. 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 NOT CAPTURED - XXXX XXXX XXXX - XXXX ; and XXXX XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (OH)

Dear CFPB, I am writing to you regarding 2 documents I received as as a result of a financial Institution ( HUNTINGTON BANK ) opening 2 types of banking products ( as I suspect ) regarding a customer non related to myself. 

I received 2 pieces of banking information ( I.E.- Bank statement, Checking account, Credit card info., etc. ) that was directed to a name UNRELATED to me, but with my full complete address. The name on these documents is SHOWN on the photos you see ( attached ) as XXXX XXXX. 
The reason I'm writing this is because I had set up a Bank account in XX/XX/XXXX from Huntington bank in XXXX, OH in which I was aware that I signed a privacy agreement that should protect my rights to have anyone steal my information ( Privacy law act ) that I do believe may have been violated. 
At the time I received these documents was done back in XX/XX/XXXX. The records should have been reviewed to show that someone has THE CORRECT information ( Personal information ) to process a financial product to be VALID ACCURATE information concerning address content to the applicant who filed it. 
I DO BELIEVE that the bank violated my data BECAUSE the person was in NO POSSIBLE connection to me either via their name, their location or their drivers license proving they ever existed at my address.
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (IA)

Unverified collection account and unverified accounts on my credit report as well as inquiries. Ive disputed since XXXX of last year and everytime theyve said its verified as accurate with NO PROOF. Thats in violation of the FCRA and my consumer rights.
Consumer complaint received 2021-04-20
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: EQUIFAX, INC. (FL)

Ive contacted Equifax over the past 2 years complaining about this wrong information that is reporting on my credit report. 

name XXXX XXXX address XXXX XXXX XXXX tn XXXX XXXX XXXX XXXX il XXXX accounts XXXX XXXX Hard Inquiries XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

3 consecutive times I have tried to remedy this matter with Experian. 
I have discovered inaccurate information on my Credit Report. I am demanding that you stop reporting this incorrect information immediately, or I will be left with no choice but to file a complaint with the appropriate agencies. Your actions have caused me a denial of credit, I'm being charged higher interest rates and I'm receiving very unfavorable loan terms. I am very diligent in my book-keeping and records and I am sure that the following information is inaccurate : XXXX XXXX XXXX XXXX, XXXX XXXX, MD Inaccurate information, delete it immediately By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. Also, be sure to include the name and address of the Company or individuals who were directly contacted regarding this matter. 
Thank you for your prompt attention to this matter Thank you for your prompt attention to this matter. I apologize for being so upset ; however, your mistakes are causing me immense damages. 

see attached letters
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

My credit card ending in XXXX is on EXPERIAN web site and I dont want it stored on there They have the whole card number the date and the 3 digit code It will not allow editing out of that They have no right to store that on there Other companies like XXXX you can order something on a card and then immediately you can remove the card so its not on there in case of hacking This problem has been going on for a long time
Consumer complaint received 2021-04-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A. (MA)

I was offered a loan and I was told to pay some fees and I paid {$150.00} fee for the processing of the loan and they told me that the loan would be approved and that the funds will be available in my account it the more the next morning I gave them my bank routing number information and then all of a sudden they came with now I have to pay an additional XXXX closing cost for closing the loan and that then the funds will be released and they wanted {$600.00} after I had to give them the XXXX he refused to refund my XXXX they said that I would have to wait 30 to 40 business days they wouldnt give me a supervisor they wont give me anything they just pretty much said that I need to pay the XXXX I need to pay the XXXX and I said listen nobody said anything about the XXXX so I want my money immediately and they refused
Consumer complaint received 2021-04-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Consumer complaint received 2021-04-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (NM)

I have settled my owed balance to BAM Trading Services Inc. for {$1000.00} in my binance.us account. I am unable to withdraw funds ( usd ) or withdraw my crypto due to my account being suspendeddue to risk management. I am in urgent need of my funds to cover an upcoming medical expense.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (VA)

This goes out to Synchrony Bank ( Belk Rewards MasterCard ). Since XX/XX/XXXX, I have experienced fraudulent activity. Not once, not twice, but I had 6-7 different cards sent to me. ( I was a victim of identity theft ). Here it is XX/XX/XXXX, 9 months later, I have a {$3300.00} credit limit and somehow a {$6100.00} balance. This has ruined my credit and stripped me of my financing power and Synchrony Bank, Belks fraud investigation team, could give a XXXX less! I have turned in numerous fraud claims, at this point in time, they waste 30 days at a time of my time, and tell me it will be handled, just for me to receive letter after letter in the mail, saying that I authorized this purchase or allowed someone to use my card which is the absolute furthest thing from the truth as they continue to come up with excuse after excuse and do anything in there power NOT to fix my issue. I highly suggest you stay away from this company, they are a bunch of frauds!!!
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (TX)

I am a XXXX  and found out I was in collections for XXXX. I never received a letter or a phone call from UCB. When I called UCB, my address was wrong so i gave them the correct information to update it in their system. My insurance which is the Department of Veterans Affairs called them XX/XX/2021 and multiple times since then to give them the CORRECT information to bill my claim and to request a update. UCB told me it can take up to 30-45 days, but if my claim was indeed resubmitted electronically my insurance would have received it in three days. I have called once a week to see if my claim has been resubmitted to my insurance and I am told it was. IT is now XX/XX/2021 and my insurance still has not received it. My Insurance and I have called them multiple times giving them the information to resubmit and they have not done their job. When we call to verify the information, the representatives always has it wrong after we has already given them the information previously. Now my insurance may deny the claim because UCB and the providers office who sent me to collections failed to submit my claim to my insurance in a timely manner. This entire bill could have been paid if people did their job correctly. The Department of Veterans Affairs has already told them that they need to write the debt off because I am not liable for their mistakes. UCB employees are rude, shows no empathy and has yet to resolve this. i have talked to multiple employees at UCB and a supervisor and no one is resolving this matter, or giving me accurate information.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

My complaint is with XXXXRS accounting Resolutions Services LLC, located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX. I have been calling and emailing ARS accounting Resolutions on several occasions since XX/XX/2021 concerning their false bill reporting on my credit report. 
XXXX is trying to collect on a debt that I already paid and settle with another collection agency. I settle this debt with XXXX XXXX XXXX collection agency located at XXXX XXXX XXXX, XXXX SC XXXX. And I have sent to ARS proof of payment receipt. I sent ARS the letter receipt from XXXX XXXX now 4th times. ARS refuses to remove the false bill from my credit report. When I called them the representative stated that she received my email, but not the attachment. I re-sent email as well as attachments on several occasions. 
After several attempts I contacted XXXX, ( XXXX XXXX XXXX XXXX ) at XXXX and I spoke to a representative XXXX, who informed me to dispute ARS false bill with XXXX, as well as to contact ARS directly at a different contact telephone number that she gave me. 
I contacted ARS at the new number that XXXX gave me and the representative Ms XXXX advised me to re-send the proof of payment receipt via email again. 

This would be my 5th time sending an email to ARS accounting Resolutions Services LLC, located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX with proof of payment from XXXX XXXX XXXX collection agency located at XXXX XXXX XXXX, XXXX SC XXXX. 
I am filling a complaint against ARS ( accounting Resolutions Services LLC ), located on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX for violating The federal Fair Debt Collection Practices Act ( FDCPA ). As a consumer my rights have been violated by ARS as their refusal to comply with Federal Law procedures in not protecting my rights as well as my violating my credit report. I would like to get {$1000.00} monetary compensated for their violations in lowering my credit report and not removing the false bill even after I have provided proof and receipt on several emails and communications. 
Attaching all proof of receipt and documents. 
Thank you