davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

For approximately the last 3-5 years I have been repeatedly forced by all 3 credit bureaus to continuously file disputes against the same unauthorized XXXX account that was created fraudulently without my knowledge or permission. 
The unauthorized account has been removed multiple times and keeps being re-added to my personal credit causing my score to decrease rapidly literally Ill reach XXXX & boom now I have to repeat the same dispute they just keep switching companies and then attempt to place it back on my credit report. This is a problem and I am fed up with this situation. I dont even trust them anymore my credit stays on freeze but somehow they still manage to damage my credit score and reputation. I believe my rights are being violated and my credit score has failed to be protected from fraudulent claims by the credit bureau the same accounts that were disputed and deleted multiple times should have been enough of a red flag for the credit bureau to take notice and take action against them but instead they are working together and its obvious via illegal actions being taken/made against me. 
This screams harassment and outright obstruction my next step is civil suit for damages caused by this unfairness created by this scam being ran on my credit report no wet ink documents were found nor will be as I have already explained that there was accounts made fraudulent after losing my wallet and having vehicles broken into all necessary information was provided on my end
Consumer complaint received 2023-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

I XXXX XXXX contacted XXXX multiple times about fraudulent activities on my Trusit checking account ending in XXXX. No one gave me a fair invistigation and I talked to XXXX from Truist and explain the fraudulent activity I noticed.XXXX XXXXXXXX stated to that I would of got a call back from a supervisor. I XXXX XXXX never got a call back from anyone in truist bank at all. I also stated to XXXX to have the bank rewind the camera from the atms to verify that I was not the person who used my stolen debit card.NO one from Truist still has not contacted me in months.
Consumer complaint received 2023-09-14
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. (GA)

I've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name :
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (KY)

In XXXX, Wells Fargo induced us into mortgage default with the promise of a loan modification. They told us we had to be 90 days late in order to qualify for the modification, then they initiated a foreclosure prior to us being 90 days late. The foreclosure case drug out for XXXX years... we fought for years without an attorney and eventually won on appeal. After the appeal, we hired an attorney for return circuit court due to being worn down after years of battling with Wells Fargo and their legal teams. Now all these years later, today XX/XX/XXXX, we received a check for {$200.00} ( which will NOT be cashed ) for our wrongful modification and wrongful foreclosure along with an apology for any inconvenience their behavior may have caused. During all the time from when we wrongfully lost our home in XXXX, until now, we have not been contacted by Wells Fargo ( nor anyone else ) to be notified we could be part of a class action lawsuit and entitled to a settlement. A quick internet search indicates all affected mortgage claimants should be receiving around {$24000.00}, so it appears Well Fargo is still up to their old tricks... deception, theft and abuse of the consumer at every possible chance! They should be closed down permanently!
Consumer complaint received 2023-12-12
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. (MD)

For approximately the last 3-5 years I have been repeatedly forced by all 3 credit bureaus to continuously file disputes against the same unauthorized XXXX account that was created fraudulently without my knowledge or permission. 
The unauthorized account has been removed multiple times and keeps being re-added to my personal credit causing my score to decrease rapidly literally Ill reach XXXX & boom now I have to repeat the same dispute they just keep switching companies and then attempt to place it back on my credit report. This is a problem and I am fed up with this situation. I dont even trust them anymore my credit stays on freeze but somehow they still manage to damage my credit score and reputation. I believe my rights are being violated and my credit score has failed to be protected from fraudulent claims by the credit bureau the same accounts that were disputed and deleted multiple times should have been enough of a red flag for the credit bureau to take notice and take action against them but instead they are working together and its obvious via illegal actions being taken/made against me. 
This screams harassment and outright obstruction my next step is civil suit for damages caused by this unfairness created by this scam being ran on my credit report no wet ink documents were found nor will be as I have already explained that there was accounts made fraudulent after losing my wallet and having vehicles broken into all necessary information was provided on my end
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Experian says it can not generate a score for my credit without me joining one of their " improve for a fee '' programs. Both of the other two credit reporting agencies show my score as XXXX and XXXX and there is no reason for me to not have score except my unwillingness to pay for it.
Consumer complaint received 2024-03-15
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)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed and collections. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (MA)

In XXXX of XXXX I began the process to have the company remove by PMI. I finally got the company ( Freedom Mortgage ) to remove my PMI as of XX/XX/XXXX. Eleven months later on XX/XX/XXXX, they charged me {$950.00} for 11 months of PMI premium and then in XX/XX/XXXX they again charged me my monthly premium {$86.00}. I am well below the loan to value ratio which would require mortgage insurance. I am requesting the company AGAIN to remove my PMI, and to refund the premium given I have written documentation of them removing it especially given this put my escrow into the negative.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Affirm Holdings, Inc (MA)

XXXX link established between AFFIRM savings account and XXXX XXXX XXXX checking account ( only ) to transfer funds at my request. 
Between XX/XX/XXXX and XX/XX/XXXX AFFIRM transacted 13 times to a savings account at XXXX XXXX XXXX  that they were not authorized to link to, and they maintain they had no access to and have no record of such transactions. 
XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$57.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$57.00} XX/XX/XXXX - {$48.00} XX/XX/XXXX - {$57.00} XX/XX/XXXX {$48.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$47.00} Multiple emails and calls to AFFIRM resulted in no resolution. AFFIRM either responded with a canned reply indicating they had not even understood the issue or replies indicating they had no record of such transactions and I should contact XXXX XXXX which simply said these were " merchant disputes '' and not their problem.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I use Equifax XXXX XXXX XXXX XXXX. Since XXXX XXXX I am unable to unlock/unfreeze my security. A case was filed and no resolution for 2 days. 

I am stuck. 

Case # XXXX
Consumer complaint received 2024-01-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (HI)

Until XXXX XXXX XXXX, my wife and I had cable with XXXX. I ( XXXX XXXX ) paid monthly by credit card, and the bill had my wife 's XXXX XXXX XXXX XXXX name on it. 

We closed that account, a process that took hours given the ineffeciency of that company. After paying our last bills and getting confirmation that we did not owe anything, that was it. We made sure multiple times that we did not owe anything. 

We had just sold our house and moved to a place outside of their service area. We have not even had incidental contact with XXXX. There is no possibility of using their service by accident. 

Then this morning I received an email from True Accord, their automated debt collection service, for {$49.00}. 

We do not owe this money and have not had contact with XXXX since XX/XX/2022. We have moved away and have no relationship with this company.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-12-12
Product: Credit 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: JPMORGAN CHASE & CO. (TN)

This is my 3 or 4th complaint about Chase card service. They have treated me like a criminal since my identity was stolen in 2021. I am still fighting with them to close an account that was opened in my name. They finally after almost a year and half closed my 1 account I had with them that had the {$6000.00} fraudulent charges on it. After getting a lawyer. Now they are still giving me the run around with the account that was opened in my name. I have not opened any new accounts with Chase. I only had the one account with Chase. Ive sent the police report, Ive called, Ive emailed and still not closing and removing from my credit report. My score was over XXXX now its a XXXX due to Chase not believing or responding to my identity theft report. I am not paying for an account that is not mine. I didnt open the account with the {$600.00} balance.
Consumer complaint received 2018-12-18
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. (WA)

Past few months : Have incresingly been flagged by multiple parties to provide more ID such as XXXX and SSN card where before I had no such requirements XX/XX/XXXX Went on XXXX to get free credit report. When prompted with security question by Experian involving past loans, was asked about an auto-loan in XX/XX/XXXX, which I do not have. 

Could not complete process for experian credit report, subsequent requests error out. I assume account was locked from free report Tried to go on experian website and create account, says they have a problem with my identity ( if there is a fraudulent car loan, of course home address was changed by criminal ). 

Uploading docs to their website is terrible, and they keep requesting I jump through more and more hoops. 

Tried to call provided number, system is entirely automated and kicks me off if I ask for 'operator ' or 'manager ' or 'live person '. Again system says it can't verify who I am when prompted for home address ( again because the fraudulent loan probably caused that record to be updated in Experian 's system ). 

I want access to my credit report and I want Experian to expunge the bad loan data from their system. I then need to trace down the bank involved and get my name off it as well.
Consumer complaint received 2018-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I called in to Citizens bank today to resolve a problem with XXXX XXXX  still showing that the debit card has not been removed from my device. When the Rep XXXX XXXX XXXX failed to resolve the issue I asked to speak to a supervisor. The supervisor regurgitated the same resolve and then disconnected with me after I asked for her supervisor.
Consumer complaint received 2023-12-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (NE)

I was in need of a small {$1000.00} loan to pay off some bills. I inquired with several different banks to explore my options. Somehow during this process, CreditFresh opened this account without my knowledge or permission. I was only trying to get info on rates. After I was informed of it being opened, I requested that it be closed immediately and my request was denied. They told me they would take monthly payments directly from my checking account and that it would be paid off quickly. After paying for several months, I noted that the fees being deducted from my bank account were only enough to cover monthly finance charges and fees and the principle was never touched. Not only did they open the account without my permission, they mislead me in regards to how it would be repaid.
Consumer complaint received 2023-06-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DCI Credit Services, Inc. (ND)

My husband had a medical bill and I thought it was paid when we sold our home with the closing costs. DCI of North Dakota hired an attorney and they cleared out my whole bank account yesterday. I tried to speak with them but she would not listen to me. She told me it was my problem not hers. I drive 500 miles a week for work and that was the living money they took. Now we do not have a dime to our names. She was very rude and I do not know what to do. I am to the point of selling everything we have to get to the next payday since my husband is laid off and we do not know if he will get unemployment yet.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (FL)

This is not my debt I have never had an account with XXXXperiod. Take this off my credit you can not prove this is my debt because it's not mine please remove or I will have to contact the state attorney office and my lawyer
Consumer complaint received 2022-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX account # XXXX, XXXX, XXXX, XXXX Has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OK)

I have paid all payments on time and every month since repayment started. However, each month after making an on-time payment, I receive an urgent email stating my account is delinquent. I have called every month and the representatives state my payment was applied incorrectly. I'm assured each time the issue is adequately updated and the accounting department has correctly applied my payment, and this will not happen again. Yet the predatory behavior continues to happen.
Consumer complaint received 2023-06-15
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit 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: JPMORGAN CHASE & CO. (CA)

Dear Chase Bank Customer Service Department, I am writing to express my serious concern and disappointment regarding the denial of my fraud claim despite providing all necessary documents, including a police report, to support my case. The unauthorized transactions, totaling {$2900.00} and made to XXXX on XX/XX/2023, have caused significant distress. 

On XX/XX/2023, I engaged in a conversation with a representative named " XXXX. '' During this interaction, XXXX displayed a lack of professionalism by being rude and unhelpful. She not only threatened to close the claim but also treated me as if I were responsible for the charges. XXXX informed me that Chase Bank 's official policy requires a police report for transactions above a certain amount. In compliance with her instructions, I promptly submitted a police report via fax on XX/XX/2023, to the number provided by XXXX. 

Regrettably, I have not received any updates from Chase Bank since then, indicating a lack of willingness to resolve this matter. This continued negligence and disregard for the rights of a customer are deeply concerning. 

I find the lack of transparency in Chase Bank 's response to be unacceptable. I have not received any reasonable explanation for the denial of my fraud claim, and this has left me with no choice but to consider escalating this matter to legal action. However, my primary goal is to seek a resolution without resorting to such measures.
Consumer complaint received 2022-12-19
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: Resurgent Capital Services L.P. (VA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

LVNV FUNDING LLC XXXX 15 U.S.C 1681 Section 602 ( a ) ( 4 ) States accuracy and fairness of credit reporting and I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c Section 605 ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s Section 621 ( A ) ( 1 ) states 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 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.