davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (CA)

Upon checking my credit report I noticed there is a collection from southwest credit systems thatsi have no knowledge of. The date is listed as XX/XX/. The amount is for {$1800.00}. They have put it on my credit report and when called I was told it was for a XXXX  cell phone account, and Ive never had a contact with that company.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$4100.00}, XXXX XXXX XXXX XXXX Balance : {$7100.00}, XXXX  XX/XX/XXXX
Consumer complaint received 2023-04-19
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO Bank, N.A. (CA)

XX/XX/XXXX I received a letter with a complaint about the bank 's tactics, which I felt were discriminatory. The letter explained the bank 's side of the concern. On XX/XX/XXXX, I received a cashier 's check from the bank in the amount of {$36.00} from a refund to XXXX, which they pushed through to the card ending in XXXX. I am XXXX and do not handle checks, cash, or anything I can lose and have difficulty replacing. I was surprised that I had received a cashier 's check. As expected, the check was lost by me on the SAME day. I contacted the bank the following day as a former client because I had closed the account on XX/XX/XXXX in order to have the check replaced. As expected, BMO said I needed to go to a branch. This was strange because : 1 ) the Cashier 's Check did not originate from a particular branch, and I closed the account on XX/XX/XXXX. On XX/XX/XXXX, I visited the XXXX location. The banker said she would give me a call on XX/XX/XXXX but she could not find the check. This never took place. When I called on Friday, she was unable to provide me with the complaint procedure and instead directed me to customer service. I have had trouble with the customer service team since they do not seem to care about their customers, which is why I initially closed the account on XX/XX/XXXX. Getting my check replaced is what I am hoping for. It is obvious to me that because of my XXXX ) XXXX and XXXX ) perceived race, I am being discriminated against, as there is no other reason to treat me consistently in adversarial ways.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

{$5000.00} was removed from my Chase personal account without my knowledge or authority. There were then XXXX XXXX transactions ( all unauthorized ) out of the account. XXXX have been reversed by the bank ; the other XXXX have not. All three of the unreversed charges were to " XXXX XXXX ''. I called Chase when there was XXXX transaction to " XXXX XXXX '' and XXXX others. The XXXX others were reversed. Subsequently, after I had already told Chase I had not authorized any transactions to XXXX, they paid XXXX more XXXX transactions to him and have refused to reverse the XXXX unauthorized XXXX transactions to XXXX in the amounts of {$2000.00} ; XXXX ; and {$1400.00}. I had never sent any XXXX out of that account.
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC (MA)

My account had an available credit, then the company without any advance notice charged me an annual fee which was fine but I should have been notified in advance as the fee put my account over the limit. I immediately made a payment to bring my account to a positive. That payment posted to my account within 2 days. Then I Made my monthly payment on XX/XX/23 from the same bank checking account that all my payments have been made from for over 2 years. As of XX/XX/23 my payment still has not been posted to my credit card account. This payment cleared my bank on XX/XX/23 and the credit card company has received the money but are still holding my payment for 14 day because payment was made with unsecured funds ( personal check or AFT ) then the charged my account the monthly maintenance fee that again put my account over the limit. They have never ever in the history of my account help my payment for 14 days. This is not right. If the process my payment and it clears my bank then that payment should be posted to my account not held for weeks after they received the funds.
Consumer complaint received 2023-09-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (FL)

My car was totalled in XXXX. My insurance company has tried paying off my car in XXXX but they do not show any payment and keep trying to get me to make my monthly payments. I have made several attempts to call Bridgecrest to get this straightened out but it is always a random person that gives me no information other than we show no payment. I have asked for me and my insurance company to have one person to work this out and they refuse to give me a name and extension or anything. My insurance company has to talk to some random person, not even someone we are both in communication with. This seems like a scam to me. A reputable business should have someone you can talk to, to get things handled and situated with both me and my insurance company. All I can do is sit back and make monthly payments on a totalled car that my insurance company sent a check to, because they will not transfer me to anyone that can assist me or my insurance company. It is very frustrating and I can't keep making car payments on 2 cars
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Synovus Bank (OH)

I had an account with first progress a XXXX  credit card with a {$200.00} limit. I had called to close the account and paid off the balance in full. I asked for proof to be mailed. A month later still no statements mailed and my access to the app and online portal was locked effectively preventing me from monitoring or paying on the account. It is a violation of federal law not to provide an account statement. I called in and the agent claimed the account was still open and when asked why he said a late fee had been charged. Come to find out they had not closed the account but instead had charged late fees for XXXX XXXX and XXXX months after it was closes and paid. When asked why three late fees and there should have been no balance they refused to provide or mail statements they just claimed the charges was valid. Ibmade a request to remove the fraudulent late fees which the entire remaining " balance '' on the card is just the fees. I have not used the card since paying it off since it was closed. First Progress is using deceptive banking practices such as fee gouging and refusing to provide account access to be able to even pay or monitor the account to charge over {$120.00} in fees on the card since it was closed. I even paid one of the fees when I closed the account not knowing it had been added. Since then two additional fees have been added to the closed account. This is illegal and to this day XXXX am refused accounting statements
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (LA)

I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2023-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX an account from XXXX XXXX was reported to my credit profile. Available data shows the last payment on this account was made on XX/XX/XXXX. Current data shows it was reported as open as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Consumer complaint received 2023-09-20
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: CITIBANK, N.A. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TC Report Number : ( to be generated ) I am a victim of Identity theft. This is my official statement about the crime. 

Contact Information First Name : XXXX Middle Name : XXXX Last Name : XXXX Address : XXXX XXXX XXXX XXXX, MO XXXX XXXX Phone : XXXX Email : XXXX Personal Statement XXXX  XXXX XX/XX/XXXX Accounts Affected by the Crime Credit Card Opened by the Thief Company or Organization : the company Fraudulent Information on Credit Reports Personal Information Addresses : XXXX XXXX  XXXX XXXX Employment Information : XXXX XXXX Credit Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 

I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 


XXXX XXXX XXXX
Consumer complaint received 2023-11-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Yesterday, XX/XX/25, I was notified that my last standing AMEX account was closed effective immediately. 

They immediately forfeited my XXXX membership rewards points. I hopped on live chat immediately and began inquiring into this matter. They refused to reinstate my account or my points and told me to pound sand essentially robbing me of {$1200.00}. I transferred these points, after thorough confirmation from live chat previously, numerous times, from my XXXX card which I cancelled on XX/XX/XXXX. I funded the account that day with these rewards points. 

They are refusing to reinstate and will not give me my points. I want my points. Thats it.
Consumer complaint received 2023-09-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (AZ)

I received a notification from XXXX regarding a package being delivered to an address where I haven't resided for over 13 months. Concerned about this, I promptly contacted XXXX to inquire about the package 's contents. They provided me with a contact number, which ultimately led me to MCM ( Midland Credit Management ). 

Upon speaking with a representative from MCM, I shared my concerns and requested validation of the accounts associated with me. The representative initially attempted to verify my identity solely using my birthdate and then informed me about multiple accounts they held in their office under my name. In response, I reiterated my request for written communication and validation of the debts, emphasizing that I had not lived at the address they were sending information to for over a year. 

Despite my polite explanations, the lady on the phone appeared dismissive of my concerns and persisted in urging me to make payments. I informed her of my job loss last year and my current full-time commitment to college. I kindly requested, once again, validation of the debt, copies of all credit card statements, and a copy of the card agreement with my signature. 

Regrettably, the lady on the phone continued to disregard my requests and remained insistent on immediate payment. Frustrated with the lack of cooperation, I decided to conclude the call.
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2020-07-31
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. (AR)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. DPTEDXXXX  XXXX {$820.00} US DEPTED XXXX {$820.00} USDEPTED XXXX {$820.00}
Consumer complaint received 2023-09-08
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: LEXISNEXIS (IL)

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2023-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IL)

Edfinancial has been transferring loans to a new payment system for over 6 months. As a result of the transfer, I have been denied access to my account since the middle of XX/XX/2023. I have tried to make payments to reduce the principal balance of my loans before interest began to accrue again on XXXX XXXX, but have been denied access. I have called and emailed Edfinancial and was told I did not have access as a result of delays they encountered in transferring all of the loans and they told me there would be no waiver of interest accrued on or after XXXX XXXX even though I was not able to make principal payments. Interest is now accruing and my first payment will be do soon and I still have no access to my account. Edfinancial has told me they do not plan to do anything to rectify the situation.
Consumer complaint received 2023-11-26
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Chime Financial Inc (MD)

Well someone stole my card and was taking money out at a atm because I had my pin # on the back of the card so I reported my card stolen and tried to dispute the transactions so they gave me my money back but then shut down my account with them and that messed up my credit
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICA FIRST FEDERAL CREDIT UNION (FL)

I have tried unsuccessfully multiple times through XXXX XXXX and through America First Credit Union to have XXXX XXXX cease drawing funds from my account, yet it still continues. It has actually been so long since I first requested that something be done that I honestly can not remember just how far back this issue goes, but I'm sure if I look into my records I can find out. I'd like this issue resolved hopefully before my death so that funds do not continue to draw from my estate and continue to overdraft my account after I am deceased.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC (IL)

Hello my name is XXXX XXXX im a victim of identity theft..I was XXXX  the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I am missing my paycheck due to the ach error that is happening. Wellsfargo and XXXX have not sent out any correspondence or given their employees any guidance as how to handle questions about this. The customer service representative didnt even know whats going on.