davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

I had put in a application in good faith and credit was not extended to me, my application was denied on XX/XX/2023 and I called American Express saying regardless of yours reasons for denying me my access to credit and taking an Adverse Action Notice against a consumer is Against The Law According to 12 CFR 1002 under the Equal Credit Opportunity Act along with The Consumer Credit Protection Act that's called Discrimination. I also asked if my application could be Retracted but they said it's been past 60 days and we longer have the application since my Social Securitiy Number an Unauthorized Use Of ( Credit Card ) was used and I did not recieved NO Benefit aaccording to 15 USC 1602 ( P ) ( I ).
Consumer complaint received 2023-12-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

I had an XXXX credit card with Comenity Bank. They closed the account on XX/XX/XXXX because they were bought by XXXX. Ever since they closed my account, it has been accruing late fees and interest charges. Im currently unemployed but I was finally able to pay off the account on XX/XX/XXXX in the amount of {$250.00}. I checked my XXXX XXXX today XX/XX/XXXX to see if they reported that the account is paid off and I saw that there is currently a balance of {$3.00}. I logged in to my old XXXX account and there is an interest charge on purchases in the amount {$3.00} on XX/XX/XXXX. I sent Comenity bank two messages regarding this today XX/XX/XXXX. Im reporting them because they have unfair consumer practices and they have been calling me all hours of the night including weekends prior to me paying this account off. They left me threatening messages and they have been harassing me late at night and on weekends. Why is there an interest charge on a XXXX balance? They usually charge the interest charge every XXXX of the month and the late fee of {$41.00} every XXXX or XXXX of the month. If I dont pay this {$3.00} before XX/XX/XXXX then Im worried that I will again be charged the {$41.00} late fee and the account will accumulate again. Im currently unemployed and I really dont need this to ruin my credit score and my credit. Comenity Bank is horrendous and they need to stop this. Please help me with this.
Consumer complaint received 2024-03-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (MO)

A charge off is considered income, and is now considered a certificate of indictment and must be removed. According to IRS The creditor stops its collection efforts, declares the debt uncollectible, and reports it to the IRS as lost income to reduce its tax burden on form XXXX
Consumer complaint received 2023-04-22
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION (AR)

I have made several attempts to let Credit acpt ( {$13000.00} ) know I have no legal obligation to pay a debt to them. I have never signed a contract agreeing to pay this company nor have I never done business with this company yet this company reports inaccurate unverifiable information to the credit bureaus. Not only is this damaging, it is fraudulent. The company continues to send debt letters and contact my phone after I asked them not to. This is harassment and a violation of my rights. Even after writing in to the company
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$20000.00XXXX XXXX XXXXXXXX Balance : {$20000.00}
Consumer complaint received 2023-04-22
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$20000.00} XXXXXXXX XXXXXXXX Balance : {$20000.00} XXXX XXXXXXXX Balance : {$20000.00}
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I deposited a check today. I was NOT informed that a 7 day hold would be placed on the account. If I was informed of this, I would not have continued with the transaction and would have gone through a different bank. I needed the money quickly and had no reason to think that upon clearing, MY money would be available to me. I was informed that a hold was placed on the money at their discretion. Even upon my check clearing, my money would not be available until 7 business days after depositing. I never was informed of this prior to depositing, and once the money has cleared, there is no reason for them to keep my money with this hold. Also, the check was from a well-known, profitable establishment with a good reputation. There was no reason to think the funds would not be available. Huntington could not provide me with a reason they thought the funds might be available, just that things are at their discretion. I do believe that holding money without consumer knowledge is theft.
Consumer complaint received 2023-12-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I received notice from a debt collector I.C. System, Inc upon calling them, they said I needed to summit a Police Report and a claim form. They have not sent one to me as requested as their online system is not user friendly to summit one. As of XX/XX/XXXX  they say I owed {$360.00} with interest fees as of today I find that suspicious. This company have not been helpful in resolving this matter. Thanks for your help.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (MD)

M & T Bank - XXXX Funds Frozen On XX/XX/2023 the day that I receive my XXXX check as I am a XXXX XXXX XXXXXXXX XXXX XXXX all of my accounts were frozen under suspicion of fraud. I went to the local branch to verify my identity and confirm there was no fraud activity on my account. 

My wife deposited a XXXX car insurance check for {$3400.00} as our parked car was hit and the second action was my wife sent me a XXXX for {$1300.00} dollars. 

My mortgage was declined due to my accounts being frozen. I requested to please at least give me access to my XXXX check for my mortgage as I am on a repayment plan and if payments are not meant on the schedule provided I will face immediate forclosure. They have denied this request as of XX/XX/2023. Even though I have given all documents to show and dispell any fraudulent activities, they are holding my XXXX check XXXX and forcing me into foreclosure if this isn't rectified immediately. 

I explained that XXXX months of my XXXX payments are off limits. ( Look Back Period ) At this time I feel I am being targeted and discriminated against because I am a minority XXXX veteran.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

accounts contain incorrect information such as late payments and missing payments that affect my history also accounts in collection 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 2023-04-22
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 6th 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, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00}
Consumer complaint received 2023-03-29
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: EQUIFAX, INC. (OR)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

I received an email on XX/XX/XXXX that an amount of {$220.00} from XXXX bridges and Tunnels has been sent to Transworld systems inc. I called Transworld system who mentioned the violation is from unpaid tolls from XXXX XXXX. However, I have an XXXX XXXX and have been an XXXX XXXX holder since XXXX. My XXXX pass account has been on automatic payment since XXXX. Also I utilize the app that states no activity was made in the month of XX/XX/XXXX. Neither have i received any notification about an unpaid debt until just now that I have been sent to collections. I am very frustrated and will submit documents showing that I indeed am an XXXX XXXX holder with no transaction activity for the month of XXXX along with the statement i received today in my email from Transworld system inc. 

If a balance is owed I require proof along with balance being taken off from collections because again my XXXX pass account has been on automatic payment with my bank on file since XXXX so there should be no reason for my account to go into collections. 

I spoke to Transworld system inc today XX/XX/XXXX and they put a dispute and they also advised me to issue a dispute. I call XXXX XXXX and when you call the automated system states if you want to dispute any collection debt to speak to the agency it was sent to which is Transworld system inc
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc. (FL)

I received a statement from Aqua Finance Inc., stating that my Revolving Credit Agreement with XXXX XXXXXXXX XXXX, has been referred to them for collection. 
The statement shows a transaction dated XX/XX/XXXX for 5 windows and 2 sliding doors in the amount of {$6500.00} for account number XXXX. 
I don't know who XXXX. XXXX XXXX, or Aqua Finance Inc. or what transaction they are referring too. This is a scam to collect a debt I don't owe! 
I have a new home built in XXXX and have no need nor ever purchased windows or doors from anybody.
Consumer complaint received 2023-04-22
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)

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1600.00}, XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

Equifax Hard Inquiries that was not authorize or verified by me 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC. (NV)

My son and I bought a house together and I co-signed for his part of the cost. 
Approximately a month ago my son got a foreclosure notice because he was two months behind on payments. 
Since we have the mortgage payments automatically sent for our joint bank account we were shocked that we were two months behind. 
My son and I called the mortgage company about the situation. The representative said that the XX/XX/2023 payment was not received. He requested a copy of the cleared check which we provided. 
This month my son received another foreclosure notice ( very unsettling for him ) so I went to the mortgage companies website and read a synopsis of their investigation. Apparently they applied the entire mortgage payment to the escrow account!! Why would they do that? 
I have just instructed them to apply the overage in the escrow account to the XXXX payment.
Consumer complaint received 2023-08-08
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. (CA)

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-22
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. (TX)

This is my 6th 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, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX  XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00}
Consumer complaint received 2023-12-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Phoenix Recovery Group (IL)

Phoenix Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barred Debt  The above account was reported on my credit report as delinquent to XXXX and identified as opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I notified Phoenix Recovery that applicable to reporting to credit bureaus and collecting payments, I had made a determination that this debt is outside the statute of limitations of Section XXXX of the Texas Civil Practice and Remedies Code. The statute of limitations on debt in Texas is FOUR YEARS and the debt was not mine. Per the Statue Phoenix Recovery is mandated to remove this account from my credit report immediately. 

DETAILS ABOUT AUTHORITY TO COLLECT THIS DEBT. 

Dear Phoenix Recovery Group I demand this debt be removed from my credit report per Section 16.004 of the Texas Civil Practice and Remedies Code The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code This section of the law, introduced in XXXX, states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. Title 12, Section 1006.26 of the Code of Federal Regulations New rules from the federal Consumer Financial Protection Bureau prevent debt collectors from suing or threatening to sue over time-barred debts. 

I am requesting this removal be remedied expeditiously. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-13
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NC)

Goldman Sachs employees continue to perpetrate serious federal felonies by perjuring themselves before the Bureau, saying I ever made an untimely payment on my credit card. This casual and dismissive and false response is XXXX and unacceptable. Goldman Sachs employees need to be criminally investigated under the federal obstruction of justice laws for lying to bank regulators.
Consumer complaint received 2024-05-10
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I requested payment assistance from Capital One due to the XXXX XXXX loosing our home since XX/XX/year>. Capital One has nothing to help me with. I am requesting payment deferral while we are homeless, and hungry and work thru all this.
Consumer complaint received 2023-12-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (IN)

The IRS Clearly defines a charge-off as a certificate of indebtedness Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of this account inaccurate! They also violate my rights according to the Privacy Act of 1974.