davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TN)

I downloaded an app from the XXXX XXXX. This app promised a watch face for {$1.00}, a purchase inside. I bought the watch face but the app didn't work so I deleted the app. Turns out this app also signed me up for a monthly withdrawal of {$30.00} from my checking account because I used XXXX XXXX connected with my bank to pay for the {$1.00}. I went to dispute this with XXXX but the app no longer existed in the store and turns out it was removed due to fraud. 
So I went to the website of said app. XXXX XXXX XXXX  and tried to cancel every single month and they would keep asking me to fill out a form that went nowhere and didn't cancel. 
So I reached out to USAA to dispute the charges and put a pause on this vendor. They forced me get a new card but told me I didn't have enough proof that I tried to cancel. I described that I tried to cancel via website/App Store/email to no avail. I told them dates of the attempts and they refused to return the disputed charges. 
This app comes from XXXX and every app gets taken down by XXXX and a new one pops up with lots of complaints until it is also shut down again but seems XXXX isn't doing due diligence to keep it off their store.
Consumer complaint received 2024-10-26
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. (FL)

I am asking for your assistance with the incorrect account being shown on my credit report. This issue has harmed my reputation as a customer, and I need your help. These accounts should be removed since they are reported inaccurately and negatively.
Consumer complaint received 2024-10-26
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. (AZ)

This letter is to inform you that I have become a victim of identity theft. 
Icontacted the Federal Trade Commission and filed a FTC complaint which is attached. There are accounts on my report which do not belong to me. 

All required documentation is within this packet and has been Faxed and mailed via Certified mail to your agency. 

In addition, I demand the following fraudulent Inquiries be deleted from my credit report immediately. 

Please remove the following unauthorized hard inquiries from my credit report : XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX - XX/XX/year> XXXX. XXXX XXXX  - XX/XX/year>
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The commercial account was incorrectly reported on the personal side. I have several disputes and the company does not update the information and deletes the account with # XXXX the account belongs to XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (IL)

Jefferson Capital Systems llc is reporting that I have an open balance owed worth {$10000.00}. This is not true because theyve sold the vehicle for that amount already. I do not owe them. Theyre also reporting that the account was opened XX/XX/year>. That is also false. Theyre reporting false information on this account
Consumer complaint received 2017-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have been wit h capital one for more than 5 years and I have   XXXX    cr edit card with them. in   XX/XX/XXXX   I called them to let them know about my wallet that has been stolen, the agent on the phon e told me ok and we will close this account and assign you a new one and we will send out the new cards in 10 bu siness days and you do n't need to make any payments now because your case is under investigation and we will be working on getting you back any funds that were fraudulent back to your account.   Now, mind you I got back to the country on  XX/XX/XXXX , and I called  capital one because I never received the    XXXX   new cards and I was told that my account was closed because I did so. So when I ask them to let me know when I closed those account no one can tell me anything and they told me that they have to do another investigation and I spoke with more tha n 3 s upervisors and they each told me the same thing that someone will get back with me on  XX/XX/XXXX .     Yesterday my lender called me and said that they can not continue with my V
A loan because capital one is reporting late charges and over the limit of {$820.00} dollars when your limit is {$750.00}, I 've never been late on this account I always pay my card at least week or two earlier than the due date. Capital one is   definitely out to hurt me or is it their objective to see more homeless  XXXX  veteran on  the street.  I am on the phone right now again with another supervisor by the name of  XXXX  and so far she has been the only that looks like she wants to help me so she says she 's going to do some more digging and call me back, and I 've been put on hold again for more than  30 m inutes just waiting and waiting. please help I know that they are a big company with big pockets but it is not fair for them to treat good people like that it is wrong and degrading and insulting and they should not be able to serve our fellow soldiers. I am a  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  veteran that is trying to purchase my first home and when I got everything approved and boom issues with capital which no fault of my on. they need to remove my late payments from the credit bureau and fix the amount that they are reporting to the bureaus. thank you and shame on y ou Capital one  CFPB, please help this wounded warrior if they go back and review my account they will see that I never paid my accounts late never always early. please help I am in dire need I have a closing in  XX/XX/XXXX  and I might loose my future home for me and my family. thank you for a desperately wounded warrior.
Consumer complaint received 2024-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: TD BANK US HOLDING COMPANY (NY)

I currently hold a VISA credit card with TD Bank, which I originally opened using my XXXX XXXX at a XXXX branch when I was a XXXX XXXX Now that Ive moved to the XXXX and have been issued a Social Security Number ( SSN ), Ive made several attempts to update my account with my SSN so that it is reported accurately to the credit bureau. Ive visited the branch, called, and even faxed my request multiple times, but the issue remains unresolved. This card is my oldest credit account, and as a result, when I try to apply for new credit cards using my SSN, my applications are denied because my credit history is incomplete, which significantly impacts my credit score.

I have made similar requests with other credit cards and received a response but TD has not provide any response.
Consumer complaint received 2024-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AZ)

Consumer Name : XXXX XXXX Consumer Birth Date : XX/XX/XXXX Consumer Social Security Number : XXXX My name is XXXX XXXX . I am a loyal client with Synchrony, and have multiple credit cards including the XXXX XXXX, Care Credit, Lowes, and Mattress Firm card. 

My issue is with the XXXX XXXX. My account number is XXXX, which was just approved on XX/XX/XXXX. The problem is that I noticed that my balance was reported to the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( at the time of writing this complaint, I fear that it will keep being reported daily. ) On XX/XX/XXXX, I first called your company and was told by the representative that you only report one time per month. When I mentioned that I thought that was the case, but that is clearly not what has been happening, so there must be a glitch or something wrong, I was told that your company definitely only reports once per month so I should call the credit bureaus to see why they are reporting multiple times. So I then called all three bureaus XXXX, XXXX and XXXX, and was told by e

ach of them that they do not just pull the information on their own, it is sent to them by the lender. That made sense to me, and I did open disputes with them about the issue as well. So then I called your company again to report that I did was I was told, spoke to the bureaus but they said the issue is with Synchrony. I was told by your representative that he would send a balance dispute to the bureaus. While I appreciated that this second representative was willing to try to do something to help, I tried to explain to him that just updating the bureaus with my CURRENT balance ( as of that day, XX/XX/XXXX ) is not fair and unacceptable because the bureaus should not have access to any reported balance at all yet! My very first payment is not due until XX/XX/XXXX and this rep confirmed that my balance would be reported on the XXXX. Therefore, until XX/XX/XXXX the credit bureaus should show a {$0.00} balance.

I am extremely timely and calculated with my credit and in paying my lenders. This incident gave me no time to make a payment to lower the balance before the due date or before it was reported to the credit bureaus. I am in the process of purchasing a new home and I must be extremely calculated and meticulous with my credit during this time. Each day that my balance was reported this past week, my credit score dropped significantly with all 3 bureaus.

This is ridiculously unacceptable and if this is how the company operates, I will certainly not be utilizing any of my approved cards. This is a violation of my rights, under the FCRA, as a consumer.
Consumer complaint received 2017-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. ()

To Whom It May Concern ; I am a Veteran of the XXXX XXXX XXXX, my rank was XXXX XXXX  and I served in the XXXX as a XXXX XXXX ( XXXX ) for 27 years. On XX/XX/XXXX, I sent a wire transfer to the Suntrust Bank, XXXX XXXX XXXX, XXXX, XXXX. Bank Code XXXX. Receiving Customer was " XXXX XXXX XXXX '' Bank Account # XXXX. Address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD, XXXX. The Amount Transferred was {$6500.00} USD and this wire transfer was cancelled. I contacted the XXXXXXXX XXXX XXXX people and they said they do n't know what I am talking about as the do n't own an account there with that account number. I contacted the Suntrust Bank and they said they see where the money was transferred and they have the wire transfer cancellation but ca n't return the funds as the person to whom the account belongs needs to transfer this money back to me. I have contacted the bank on many occasions but to no avail. They had me sent all of my documents to the legal department somewhere in Florida and to date I have heard nothing. I was told I would have the {$6500.00} USD back in my account within 5 working days and I am at my wits end trying to get this money back. As this one was cancelled and thinking it was coming back I sent the second {$6500.00} USD on XX/XX/XXXX to this account thinking I was paying for Gold but I am a victim of Fraud. I had someone in XXXX go talk to the people there that apparently owns this fake account in the XXXX XXXX XXXX 's name and they are refusing to give my funds back as I have received nothing. This now is a total of {$13000.00} USD that I am out and {$6500.00} USD actually had a cancellation of the wire transfer completed and still no money. I am a XXXX XXXX XXXX XXXX with 27 years of service to my XXXX and I am on a small pension. I am hoping you are able to retrieve my money for me as I was a victim of fraud. The Suntrust bank was of no help to me and I am now totally frustrated with them as they had the paper work to return funds and yet could n't return the money I was owed. I am hoping you are able to help me with this matter and return my hard earned mooney to me as soon as possible. If it were {$50.00} I would write it off but it is a substantial amount of money and I need it back as soon as possible as I did not receive anything for what I sent the money for. My email address etc is as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ON, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2024-09-15
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: EQUIFAX, INC. (MI)

In the beginning of XXXXSomehow all my credit accounts were lost off from my Equifax report.Wich made my equifax Is score plummet to the ground and if you look at my XXXX report it is current with all my credit accounts and you will see that I've always had these accounts but they only have XXXX out of like XXXX credit lines on my report. I've tried repeatedly to talk to eqifax with told me to call my creditors and have them resubmit my lines of credit, which I did ans all of them said they are current on all 3 reporting agencies and they said it's an issue with equifax and I'm just at a loss and need this to be corrected because I'm trying to buy a house. I thank you in advance... Sincerely ... XXXX XXXX
Consumer complaint received 2024-10-26
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)

This is my numeorus requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

In an  OCWEN LOAN SERVICING, LLC, Loan N o. :  XXXX , Borrower named as  XXXX   XXXX   XXXX ,  XXXX , Address :  XXXX   XXXX   XXXX ,  XXXX , CA  XXXX .  OCWEN was the Servicer and  failed to inform me of the name of the lender for the following years . OCWEN has  refused to reveal the name of the lender.     Question #  1  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  2  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  3 :  In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  4 : I n the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  5 :  In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  6  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question  # 7  : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question # 8 : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question # 9 : In the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question #  10 : I n the year  XXXX , what is the named lender of the loan? AND was this the party that was the holder of the Note?   Question  # 11  : In  XXXX ,  LITTON (   now OCWEN )  alleged it received a " pay off '' from   XXXX   XXXX    LITTON  were statutorily required to inform the lender regarding the payoff and the note returned to  XXXX   XXXX   XXXX   XXXX   XXXX , the borrower.  XXXX   XXXX   XXXX ,  XXXX  did not receive reconveyance of the deed. R equire LITTON ( now OCWEN ) to subm it the note to  XXXX   XXXX   XXXX ,  XXXX .     Demand #  1 Require OCWEN LOAN SERVICING, LLC to produce the Accounting of this loan, from the originator to the p   resent holder of the note.
Demand # 2 OCWEN   alleges that a foreclosure were conducted on this account ; Question : Reconvey the note to the Trustors immediately as " paid in full. ''
Consumer complaint received 2024-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (VA)

I recently began receiving debt collection calls about an account that I did not open or authorize. I was not aware of this account until the collection activity started, and it has since appeared on my credit report without my consent. This unauthorized account is negatively impacting my credit.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies and unauthorized accounts on my credit report section, which I believe is inaccurate. Accounts : ( XXXX XXXX XXXX ) XX/XX/XXXX, ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX. I am requesting your assistance in investigating and correcting this information.I am respectfully requesting a validation of debt, pursuant to 15 USC 1692g, alongside Anybody can do it a cease-and-desist proof of claim. Please provide proof of claim and demand to see and authentication contractual agreement that authorizes the legal or lawful collection of this alleged debt or delete these negative accounts off the consumer credit report.According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-05-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOK FINANCIAL CORP (NM)

I have a checking account opened with my son, XXXX XXXX at the Bank of Albuquerque branch office in XXXX XXXX, XXXX XXXX about 15 years ago. I I am XXXX XXXX XXXX and live on my Social security. I spend the winter months in XXXX as been my habit for.17 years. In order not to pay service charges I try to keep a balance of {$1400.00}. a month. My son and I try to use this account as little as possible for emergencies because of higher fees for ATM and service charges. So I always check the balance before I leave the country.. When I returned to the States I deposited a small check and checked my balance which was $ XXXX..I was referred to a Bank Representative named XXXX, who assured me this problem would be looked into and made copies of past statements. We quickly uncovered the unauthorized charges on my account by two companies I was not familiar with. On XX/XX/XXXX, I received a letter confirming charges refunded of {$750.00}. When I inquired about the additional charges and fees, I was told that The date for making that claim had passed prior to XX/XX/XXXX. I also spoke to a woman named XXXX when XXXX was unavailable who upset me quite a bit telling me my claim would not be honored due to late filing. Dispite having no knowledge of charges. Additional charges of XXXX and XXXX and service charges were denied by letter on XX/XX/XXXX. I never received an alert or notice from the Bank. I never authorized an ACH or any automatic withdrawal. The bank allowed access to my account to an unknown entity. And when my balance dropped below my limit continued to charge service fees.. My ATM card was never out of my possession until the card was cancelled. I y have tried to access my account many times but the web site locks me out and does not recognize my password. The format for logging on has been changed and I was not informed of that or that the Bank was acquired by another Bank.
Consumer complaint received 2024-10-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.