davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-06
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: EQUIFAX, INC. (NY)

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX Acct # XXXX, XXXX, XXXX XXXX, XXXX XXXX. I have contacted the FTC and local police.
Consumer complaint received 2022-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received an email that my Bank of America credit card has been approved. I did not apply for this or any other card. I currently have another fraud investigation open with XXXX XXXX. I have tried to contact Bank of America but their entire system is automated and I dont have an account number to give them. I cant speak to a live human being. The card was opened under my maiden name XXXX XXXX.
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I hope this letter finds you well. I am writing to bring to your attention some discrepancies I have discovered on my credit report regarding late payments. Upon reviewing my credit report, I noticed that there are late payments listed for certain accounts. However, I want to clarify that these late payments are not accurate representations of my financial history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-29
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted 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 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 2024-03-12
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. (MI)

This is my NUMEROUS 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, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2023-09-07
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company (GA)

Freedom Mortgage imposed fees during the mortgage moratorium and during an automatic stay, simultaneously. The fees total in the amount of {$720.00}. The fees were all incurred during the year XXXX, starting on XX/XX/2020. The automatic stay was implemented in early XXXX of that year. 
Additionally, my lawyer and I have requested a detailed listing of charges that account for the sum of the promissory note that resulted from the moratorium to ensure the amount included no interest or late charges or other invalid charges. The sum of the promissory note was {$23000.00}. My requests ( along with my lawyer 's requests ) to remove fees and detail the note have been ignored. 
Bankruptcy was filed in XXXX GA Bankruptcy court, XXXX.
Consumer complaint received 2020-03-06
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (MA)

I am being charged finance charges from Synchrony Home Credit Card Company ( XXXX XXXX XXXX ), for an expired promotional purchase that is not displayed on my monthly statement. I called the company in XX/XX/2019 complaining about being charged interest without seeing the information on my statement. They refunded my interest, but they didn't tell me at that time I had 2 other outstanding balances that I was being charged interest on that was not displayed on my statement. When I called today to discuss they said I was being purposely obtuse and because I didn't ask them in XX/XX/2019 if I had any other outstanding balances that I was also paying interest on they did not have the obligation to tell me. They never disclosed I had 2 other hidden accounts that I was paying interest on. I have the funds in my checking account and could have paid the entire balance I owed in XXXX, but instead they deceived me by not disclosing on the phone or on the statement and I continued to pay interest when I did not need to.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

This account of {$540.00} is fraudulent with XXXX XXXX XXXX. Ive sent in multiple proof and information. I have no knowledge of this account and did not give anyone the right to my social security number. Nor did I give any rights for this account to be placed on my credit files from this company. Delete this account immediately.
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

On XX/XX/2022 National Credit Systems , Inc agency sent me a letter in the mail, seeking an unvalidated and incorrect amount on the behalf of their client - XXXX XXXX XXXX XXXX. The letter did not contain any itemization of the bill. The letter also did not include the section on my right to dispute or to verify it. Moreover, the letter only contained the phone number and a threat of reporting the debt to major credit bureaus. The debt has already been reported to all credit bureaus two months prior the letter was sent to me. There are already three instances of false information from this collection agency. Moreover, the agency is not updating the payments that I made to the original creditor, and continues to falsely represent it to the major credit bureaus.
Consumer complaint received 2022-11-24
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)

This is my NUMEROUS 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 US DEPT OF ED/XXXX XXXX .... Balance : {$5800.00} ; XXXXXXXX XXXX XXXXXXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. . Balance : {$1200.00}
Consumer complaint received 2023-07-12
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. (FL)

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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.
Consumer complaint received 2018-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are exactly 20 hard inquiries showing up on my TransUnion report that are not mine..I have have disputed these inquiries through the mail and never received a response..my personal information has been compromised and someone has been trying to obtain credit in my name like crazy!! These are the inquiries I need removed.. XXXX XX/XX/XXXX.. XXXX  XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX  XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX   XX/XX/XXXX..XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX ... also my personal information is wrong even though I've contacted TransUnion numerous times in regards to my name and address..the address they have for me isn't even a address and my name is literally turnt around backwards..they have my address as XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX..my correct address is XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX..and they have my second address which is my XXXX XXXX as this..XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX..the correct address is XXXX XXXX XXXX XXXX XXXX FL XXXX.. then there's the spelling of my name..they have XXXX, XXXX, XXXX..my name is XXXX XXXX  XXXX .
Consumer complaint received 2023-07-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated (IN)

XXXX XXXX XXXX XXXX tried to collect payment for a service that my insurance had already covered ( balance billing ). After numerous discussions, showing proof that my insurance paid them after the network discount, they still turned my account over to a collection agency. 
When I explained what happened to that company, they sold my account to another agency. As soon as I informed the current company ( XXXX XXXX CO ) of the situation, they stopped communicating with me and left the debt on my account. This debt has been disputed with proof of insurance payment.
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (MI)

Dynamic Recovery Solutions is attempting to furnish an account in my name by contacting by mail in reference to a charged off debt from a finance institution. According to U.S. code they have no right to furnish any account without my approval rendering any 3rd party collector ineffective. I intend to file a cease and desist along with reciept ( according to U.S. code ) of transaction by registered mail.

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 an account without written instructions 15 U.S. Code 1692c Communication in connection with debt collectors ( c ) ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 1 to advise the consumer that the debt collectors further efforts are being terminated ; 2 to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3 where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
IF SUCH NOTICE FROM THE CONSUMER IS MADE BY MAIL, NOTIFICATION SHALL BE COMPLETE UPON RECEIPT.
Consumer complaint received 2023-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

On Tuesday, XX/XX/XXXX at XXXX XXXX  I received a text message from the Chase Fraud Dept alerting me of a possible fraudulent charge that was made to my visa debit card. Upon checking it was noted that the charge was in fact fraudulent, I replied to the text message answering No, and followed up with a phone call to Chase fraud dept. After identifying that this was fraud, we located several charges from this company using three different names XXXX XXXX, XXXX XXXX XXXX, XXXX, for {$54.00} monthly from XXXX XXXX XX/XX/XXXX. We then filed a report with chase fraud dept and was given a file #. After further investigation we realized that the charges were from a company that we thought we were purchasing denial insurance but found out it was only a dental discount card. After finding out it was only a discount card we canceled on XX/XX/, just one month later after signing up. We were sent a cancellation email on that same day. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX and explained to the customer service that we were being fraudulently charged for services that were canceled in XXXX, I was told that she could see that the Services were canceled but could not refund the money. We disconnected with that representatives and called back to speak to a manager, we were then told they could only refund two months. 

Conclusion : Chase fraud department is refusing to refund our money when it was a clear case of fraudulent charges.
Consumer complaint received 2023-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (PA)

I received a debt collection notice in the mail to my previous address in XXXX, Pennsylvania for {$1100.00}. I called the debt collector phone number that was on the paper to figure out where the stat has come from because I had not had any previous notification of the debt. Upon speaking to somebody on the phone, I was told that all correspondence regarding the stat was being sent to XXXX XXXX XXXX XXXX I have never lived on XXXX XXXX XXXX, but have lived on XXXX XXXX XXXX. After this information was found, I sent a letter asking for verification of the debt. The correspondence I received from the debt collector, showed the wrong address on top of the debt, thus indicating that I have never been made aware of this debt until I went to collections, and that they still can not verify that the debt was mine.
Consumer complaint received 2022-06-14
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (NC)

Please help as soon as possible! On XX/XX/XXXX we deposited {$23000.00} at Truist Bank in XXXX  XXXX. It was a cashiers check from XXXX XXXX XXXX XXXX XXXX. It's all the money that we had to live and pay bills with. They froze our account for three weeks and closed our account against our concerns. They finally returned two checks totalling {$700.00}, on XX/XX/XXXX from a seperate deposit. 

We still have not recieved our {$23000.00} - and, we are desperate! We're racking up late payments and treatning letters. 

The XXXX XXXXXXXX XXXX XXXX stated that Truist only had to call them to verify the funds. They refused! 

Sicerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (CA)

I opened XXXX accounts with bank of the west in XXXX XXXX California. Personal checking and savings. Everything was good until i received a noticed that I couldnt deposit some checks from a job o had done 3 months prior but barely I was getting paid. I deposited a check and the bank teller last name XXXX, asked me questions where was it from and why it was given to me. When Im the check memo said it why. Then she said if the issuer of the check was going to give me more checks then I replied yes. Then she went ahead and ask why couldnt they wire the money instead. Then I replied well Im not sure as long as i get paid for the job that I did. I dont care how they pay. Then she went talked to manager assistant then proceeded to deposit the check. I went in a couple of days later to deposit another check and the same thing I got question. At this point I felt singled out and also profiled. The 3rd time I went she went and spoke to her manager again and she started to question me more then said she would need some type of prove for the job that I did. Ive never had this done to me before and thats when I felt singled out for sure. I got question more and then she said she will hold on to the check until I send prove invoice or the job. I did so later on that day and the same day the manager XXXX XXXX XXXX called me and spoke to me and told me they couldnt take the check and to please pass by pick it up. By this time the rest of the finds where being hold and she notified me that my account was going to be placed under investigation by them. Not telling me why or the reason. So in my mind it was because of my race. But I dont want to think like that. Then I walked into the branch trying to get a letter stating that my account was under investigation but they refused to give me one then the manager XXXX was not there but the assistant manager was there and was being rude to me telling me she was not aware of it and that she didnt know what was promise to me or nothing. While the whole time I was calm she was getting upset raising her voice telling me she couldnt give me no letter and telling me she wasnt there. Instead of saying let me look into it or hold on let me check your account nothing she did not help at all very unprofessional and need more training. After she just told me Im walking away know like if she didnt want to assist me for personal reasons but thats the first time Ive ever spoken to her. This was around the begging of XXXX and ever since XX/XX/XXXX my account has been on hold with my money in there I was left with no money and still have no money at all. I havent paid my bills nor my rent and I called but the manager is out no one to help me at all. I feel useless and helpless I had a very horrible experience with this bank and I just want my money so I can go ahead and bank some where else. The funds left the account that paid me so banco of the west got paid and has the money from the checks.