davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Eastern Account Systems of Connecticut, Inc. (CT)

I pulled an XXXX credit report on XX/XX/XXXX and found that a negative factor was an account that was opened in XXXX XXXX for an original balance of {$430.00}. The report shows that it has a past due amount of {$170.00}. 

I contacted the named Account -Eastern Account System. They could not identify the service location or detail of the account. 

I contacted XXXX and discussed the issue with them. They could not give me additional information and asked that I send them a cover letter providing identifying information. They asked that I file a report with this Agency and follow up with XXXX and XXXX- which I did
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc. (GA)

Unifin is calling my private home phone asking for people I have never heard of or even know from XXXX and I have had this phone number for many years. I have told them not to call and they say ok, but call my number again. I asked for the corporate office and they said No. 

This company is skip-tracing and calling numbers they can't even verify are accurate for the person they are looking for. 

I heard them say at least three occasions, that this call is being recorded - so I informed them that I am as well recording the call and their response was " We do not authorize recording the call '' and then hung up ... UM, Georgia is a one-party consent state, do they not know this? 

It is my opinion, these people are as shady as all get out and need to be shut down. They are on a fishing expedition for debt collection and don't care who they harass to collect the debt... 

I AM NOT the person they are asking for and I will not pay someone else 's debt. I don't know the people they are asking for.
Consumer complaint received 2024-07-20
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kimball, Tirey & St. John LLP (CA)

Sent a letter by certified mail with return receipt asking for validation letter. To remove negative reports from credit agencies if one cant be provided. Also asked to stop all calls and limit to mailed contacts only. They continue to call by phone calls.
Consumer complaint received 2024-07-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (WA)

This is my complaint about my previous renter XXXX ( Beam Apartment in XXXX ) and the one they sold the debt to IQ DATA INT'L INC XXXX XXXX moved into the beam apartment XXXX My neighbors played loud music at night, over XXXX decibel at night with video records ( Can be provided if needed ). I tried to contacted the onsite security and communicate to the manager but they ignored my email and complaints Throughout my lease, I have been living in unlivable conditions including but not limited to physical assault, XXXX and XXXX in common area, open drug use in the hallways that were never addressed by the apartment. 
XXXX I created work order about multiple holes in the walls caused by bad construction quality ( popped nail heads ) and shaking wall due to loud music from my neighbors. They attempted to fix it but the holes came back XXXX I created another work order and they said they will fix it once I move out as I will move out soon after Until I moved out around XXXX I lived with holes in my walls As I moved out they forced me to pay for professional cleaning even though there's no such clause in the contract. 
After I moved out I received final statements with the unexpected charges such as fixing the walls. When I asked for clarification through email, they called me and threatened to just sell the debt to a debt collector. 
XXXX They sold it to a debt collector When I contacted the debt collector, they didn't even attempt to verify the legitimacy of the balance and report it to mess up my credit report. 
The amount is small so I can't bother going to court but their practice is unethical and deplorable. I need help getting the collection mark removed from my credit report and adding data point to raise awareness to help others not getting advantaged by the same people.
Consumer complaint received 2023-04-28
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. (TX)

This is my fourth 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (PA)

o in XXXX I purchased my home off my father. We did a XXXX $ transfer I paid off his home mortgage with the money I earned form the sale off my other home. We did a title search. There was a mortgage and a line of credit. At the time the line of credit ad a {$0.00} amount owed and from our understanding was to be closed. This is where things went wrong. The line of credit was never closed and my father without my knowledge started using it in XXXX. He says he was under the impression that it was just a loan. With that being said I dont understand how a title company leaves it up to someone who borrows money to close their account with no proof that the account was closed. Fast forward to XXXX he gets really XXXX  in XX/XX/XXXX and goes into a XXXX home and stops making the payments. He has been in and out of the XXXX  since and is basically losing his mind and XXXX So In XXXX XXXX I received a foreclosure notice because he stopped making payments and his balance is around XXXX. My father has since passed away leaving me with debt. The bank takes no responsibility for this and just wants their money. I am struggling to make the payments and don't really feel like i should have to.
Consumer complaint received 2024-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

We have both a business and personal account with First Citizens Bank. Both have been open for about two years. Neither has had a check ever bounce and we have had very minimal overdrafts. On XX/XX/XXXX, we deposited a check from our customer into our business account. They were receiving funds from home insurance and we had done the renovation. Within a day, our customer contacted us with the regret that the insurance had not yet deposited into their account, which they thought they had done so already, and that there werent sufficient funds to cover check. They did immediately do a transfer of funds from another account, but our bank had already just rejected the check for XXXX on XX/XX/XXXX. Our customer gave us a new check and confirmed they now had funds in their account, which we deposited through ATM on Sunday, XX/XX/XXXX. The bank withdrew the funds from his account the next day, XX/XX/XXXX. Our bank released the funds into our account by Wednesday, XX/XX/XXXX. I went to the bank to deposit a paycheck from our business acct into our personal acct that day, since the funds were justly released. The system did not prompt a hold. Two hours later, the teller who had assisted me with my deposit, called me and said she suspected of the checks and would either discard the deposit I had made, or place a two day business hold. I asked her when funds would be releasedshe said by Friday ( today, XX/XX/XXXX ). She froze both our business and personal deposits ( from other sources too ), without cause. Today is Friday, when both the teller and customer service ( who I called to confirm the matter ) said funds would be released today. But they are not! I will reiterate that we have never had a bounced check on either account and funds have been withdrawn from the check writers account since Monday, XX/XX/XXXX. This is extremely unjust to do to a client, and it penalizes our whole family. How are we to eat, get gas, pay bills? They unreasonably placed extra holds and still have not released them, even 5 business days after check was cleared from customers account. And again, it was not the banks system that generated this hold, but a tellers erroneous discretion. Please help! I have never in my life received such terrible customer service or complained about a business like this. Thank you for allowing me to express my concerns.
Consumer complaint received 2024-07-19
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: GOLDMAN SACHS BANK USA (IL)

On XX/XX/year>, I received a notification from Apple that an XXXX Ride had just been purchased or paid for in the amount of {$96.00}. I immediately contacted Apple concerned about the charge and realized that it was a fraudulent charge. Apple proceeded with the dispute and never asked for any additional information. After Apple 's investigation, Apple determined that my Apple ID was used and that I was responsible for the charge. I immediately contacted Apple and asked for a supervisor to ask that the charge be investigated again. I never gave anyone my Apple ID password and would never do so. A second investigation from Apple was done on XX/XX/year>. Apple never contacted me for any additional information in which I have an XXXX account that no one but myself has access to. Apple declined to accept that this charge was fraudulent and that I have never visited XXXX. I'm a victim of fraud from a charge using XXXX XXXX.
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (NY)

I have a couple of refunds from Merchants that arent able to get access to my closed account and credit card from TD Bank. I have contacted TD Bank, regarding the refunds status. TD Bank doesnt want to provide me the necessary channels to get a refund. TD Bank didnt reverse a charge from a Merchant, on an item that was returned to them. TD Bank didnt have any right to have the charge remain on my bank account and credit card. I wanted that charge to be credited back to my credit card from XXXX, on XX/XX/2022 in the amount of {$16.00}. Also, from other Merchants as well.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (WA)

I can not access my online account. Accessing my account requires an automated one time code that is called into my landline. Numerous attempts were made XX/XX/year> to receive the code as instructed at XXXX. I recently reported to Chase that it took several attempts to receive a one time code to access my account a week ago. Previous weeks took two and three requests for a one time code. Today 's efforts were futile.
Consumer complaint received 2023-06-07
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. (NJ)

I have taken all necessary steps to dispute these inquiries. However, despite my efforts, these inquiries continue to be reported on my credit file. I request that you investigate this matter further and remove these erroneous inquiries from my credit file as soon as possible. I also demand that you provide me with a written confirmation of the removal of these inquiries from my credit file. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.I think this was not intentionally done. Please delete these inquiries along with the date shown or delete this from my credit report. Eliminate these following inquiries, because I think the date might be wrong. Look into this information or I suggest you remove it from my credit file. The following inquiries needs to be removed immediately : 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 2024-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (TN)

An account was set up in my name thru Affirm, I had never even heard of this company until it showed up as multiple delinquent loans thru Affirm that was an alert from XXXX XXXX lowering my credit score significantly. When I contacted the company to find out what was going on I was told my account ( the account I never opened ) was delinquent and there are multiple loans from various goods /products purchased from XXXX XXXX XXXX XXXX that have never been paid. I went online & filed the report requesting a fraud investigation and was told 5 days I would get some communications from their fraud dept. I never received anything so I called back the next week again same run around. I finally got a rep from Affirm to confirm with me the address where the goods/ products were shipped to along with the phone number used to open the account and told them who the individual was ( my ex wife opened the account and intentionally did this after our divorce ) I asked for documentation to this effect so I can file charges against her for identity theft & fraud and they have yet to give me a status of the investigation or provide me with anything to use to file a police report. In the meantime they continue to make derogatory remarks to the credit bureaus and it is affecting my credit.
Consumer complaint received 2024-07-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MS)

First I want to state that this hunter warfield did not give me an option to dispute or request confirmation concerning this debt owed to XXXX. Instead persisted for me to pay the debt within 90 days or theyll file collection against my credit. I politely told them to not contact me again which they did not. I also had XXXX XXXX XXXX XXXX of XXXX reach out to me concerning an open claim. So upon me explaining what happened and their fraudulent allegations claiming what I did to the house. And also uploading proof to prove my claim against theres. While they provided little to no evidence in the pictures beside receipts of upgrades they did to the house and want me to pay for it. Like paint job, housekeeping, new toilet seat and air/water filters. They originally wanted me to pay the full {$1300.00} for excessive wear & tear which I quickly denied with rhino. But XXXX XXXX said I owe {$1200.00}. Which is clearly XXXX different amounts coming from XXXX different companies concerning the same client. So upon a couple more back and forth email with XXXX XXXX I just end up settling the full claim for only {$280.00}. Due to them basically saying I have a due date to pay and something has to be paid to XXXX to settle. So upon payment I was told the claim was settled for full amount and I have nothing else to worry about. All of this happening from XXXX. So today XX/XX/year> I get home and received a notice my credit dropped due to a new collection account. Me forgetting and not knowing why I quickly disputed this as it drop my credit by almost XXXX points. I have applications in for federal/local government and them seeing this on my credit could impact my chances. So once I did some research I found out it was XXXX XXXXXXXX XXXX XXXXXXXX for XXXX  ( XXXX XXXX XXXX XXXX  saying that I still a unpaid balance of {$300.00}. And thats the reason for the collection which I was frustrated and mad because no one tried to follow up with me nor XXXX to see the pending balance before attempting to put a collection on my credit account. So as of XX/XX/year> they told me to send proof that Ive settled the claim and paid and that they were going to open a case and reach out to XXXX. Which they shouldve already done before touching my credit. And they did not have any knowledge of the previous amount they sent me of {$1200.00}. All of this from XXXX to XXXX XXXX is stressing me months after me paying and settling the claim. I want closure on this as I think this is XXXX  business practice. Also somethings not legal about my situation as the things Ive went through over a nice put together without any excessive wear and tear. Upon looking online and doing research on XXXX I also see Im not the only person who they did this too. I just wished I did more research before I moved here.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (OH)

I am writing to bring to your attention several violations of the Fair Credit Reporting Act ( FCRA ) that I have identified in relation to my consumer report. The specific violations are as follows : Violation of Security Freeze : I placed a security freeze on my LexisNexis report on XX/XX/2021, to prevent unauthorized access and sharing of my information. Despite this freeze, my personal information has been shared without my consent, violating the security freeze provisions. 

Violation of FCRA Section 607 ( b ) : Failure to maintain reasonable procedures to ensure the accuracy of consumer information. LexisNexis has reported inaccurate information on my consumer report, including an alleged bankruptcy that Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) : Reporting inaccurate public record information. The bankruptcy report contains incorrect details, including names and addresses that I have never used.

Violation of FCRA Section 623 ( a ) ( 1 ) ( C ) : Reporting inaccurate account status. The account status information in my consumer report contains inaccuracies that need to be corrected. 

I have attached the inaccuracies of the Bankruptcy.
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

I tried to use my cc in XXXX. It was declined twice. I called customer service and they said they thought it was fraud. They wanted permission to rerun my credit info. I obliged not understanding what that had to do with fraud. I was declined. Called back later to inquire and wasnt given a specific answer. Just run your credit again to see if you get access to your credit line. Declined. Called recently and was finally told my credit score dropped so I gotten cancelled from my credit line. No email/letter/phone call. How is this legal?!
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aldous & Associates, PLLC (MO)

I HAVE REACTLY REAVIED MY CREDIT SCORE AND NOTICE FRAUDENLT ACCOUNTS .PLEASE REMOVE IT, IT'S HURTING MY ABILITY TO OBTAIN CREDIT
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Good Morning I recently reviewed my credit report and noticed an account that was not reporting accurately.I had a charge off status for over 5 years of something that I paid off in XXXX  a charge of {$180.00} dollars the report number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The consumer reporting agencies need to report all information with complete accuracy.This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XXXX XXXX XXXX XXXX XXXXIm now requesting respectfully to investigate this account and update these payments to paid on time immediately. 

Thanks for the help and prompt action XXXX XXXX
Consumer complaint received 2024-06-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (HI)

Well after losing the last money with this bank. I should of never wired money from my USA account to my XXXX bank account. so please listen to what happened and it is totally the banks faulty, I originally sent XXXX wires to the XXXX on May XXXX XXXX for XXXX XXXX USD and XX/XX/XXXX for XXXX XXXX USD, I did both of them online and did it exactly the way I was prompted to send the wires, recipient name. XXXX XXXX XXXX. or XXXX XXXX XXXX Receiepent bank XXXX Then the account number, I did exactly as they asked me to do it. 

Then I got a call from PNC 's wire office asking to verify the transfers, which I did and it was on a recorded line, they asked who it was going to and what bank, which i told them, The next few days no wire? So I called my attorney to look into this, he responded that my Bank had no recipient 's namer on the wire, just XXXX with an account number, So I called XXXX to tell them of their mistake, they said they would send an amendment and it could take up to XXXX days for my bank to respond but that XXXX of the wires got returned and it would get credited to my account sometime, Well we are on the XXXX XXXX day and my bank in the XXXX has not received anything from PNC as to the change of name, nor have I got my money back into my account, Now if this was only a few XXXX it would be ok but it is XXXX XXXX USD!! 

and I would like to kn ow where my money is!! 

Today is XX/XX/XXXX and still no money in any of my accounts.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I attempted to sign up for a high yield offer for my double cash credit card in the citi app. There is a technical error preventing me from accessing the reward I should have been able to receive. I contacted support and XXXX asserted that I dont have any offers.