davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANNER CORPORATION (CA)

Bank account fraudulently opened under my name when I told the bank it was not me they accused me of lying telling me it was weird that someone knew all my information I explained to them i had been dealing with identity theft for several months now BANNER BANK i advised them to pull the video.. I advised them if I needed an updated police report with the banks name they said no but would not consider the XXXX police reports I already have due to this situation I have been dealing with identity theft since XX/XX/22. i am willing to go make a new police report if needed.
Consumer complaint received 2022-12-09
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. (VA)

The credit reporting agencies XXXX, XXXX and TransUnion is reporting a closed XXXX  XXXX account # XXXX opened on XX/XX/2015. This account is fraud and don't belong to me.
Consumer complaint received 2017-03-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK (AR)

To Whom It May Concern, Sometime in XX/XX/XXXX there was a credit card issued in my name to my sister. Once I found out that there was a card in my name it was too late to close the account. Sometime in XX/XX/XXXX I had a judgement placed against me. I have written a total of four letters to Discover to resolve this matter. However, I have not received an answer in return. The card should not have been issued at all due to the XX/XX/XXXX CARD Act laws. By opening the account this put Discover in direct violation of the law. The CARD Act clearly states anyone under the age of XXXX must prove they have the means to pay for any debt that they accumulate or have a parental cosigner.My sister had neither, and did n't have my permission to act on my behalf. Discover would not have had any way to verify I had a way to pay for the card, because I was in college, and not working or receiving any substantial amounts of funds. I basically lived on whatever money my mother or other family sent to me. Also, my sister did not have my permission to act on my behalf. I would also like Discover to furnish any documents that have my signature or a signature with my name on it to me as soon as possible.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ XXXX XXXX
Consumer complaint received 2016-08-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: THE VALLE LAW FIRM, P.A. (FL)

I had a pay arraignment for a debt that went to the Valle law firm. My first issue with this firm was the bill was incorrect and first they billed me for over {$200000.00} which the bill was only {$260.00}. When I called to take care of this debt they informed me it was a billing era and the account number was used for the amount balance. My second issue was after I already made payment arraignments with XXXX XXXX account manager I was still recieving collection phone calls. Not only did I receive calls but they called my parents and asked if they knew me or knew where I was. Again this is after I have already made a few payments and just a day before my last payment was about to be withdrawn from my bank account. When I contacted the law firm about the phone calls they told me " oh it was a mistake ''. A mistake how do you make phone calls to someone parents asking if they know where I am as if I 'm in some kind of legal trouble. The level of unprofessional behavior and disorganization of this firm is unbelievable. I was completely embarrassed by their phone calls especially after I was always willing to pay my debt.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

my account was double paid because of autopay in late XX/XX/2022 - i have a credit of XXXX dollars i have been trying to get them to refund me since late XXXX, despite weekly chat and phone calls they wont send me the refund
Consumer complaint received 2022-12-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (OH)

In the last 23 days, they have called me XXXX times. on XX/XX/22 and XX/XX/22 they called twice per day.. I answered their call today XX/XX/22 to provide the evidence that the debt is not mine, and they still insisted I pay the balance. They were extremely rude and unprofessional to me. When I mentioned the FDCPA violations regarding all the repeated harassment, they became hostile, and insisted I pay the money. After advising them of their violations and that I would take legal action, they hung up on me. Its XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-11-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (NV)

I applied for a loan on XX/XX/22. I submitted docs that were asked of me including ID, bank statements, and pay stub and a authorization form by loan officer, XXXX. After that I did not hear anything back from them for a few days. I called and left messages on XX/XX/22 and XX/XX/22. Finally got a call back on XX/XX/22 and was told I needed to submit photos of my birth certificate and social security card because ID was expired. I submitted them XX/XX/22. Got a message to give them a call and I did. Was told I now needed to submit a picture of the back of my social security card. I did. Got a call today XX/XX/22 that because my birth certificate is a copy they could not accept it. They waited 4 days to tell me this. It has been one thing after another with them and it has been a frustrating experience to deal with. And looking my certificate its not a copy. It is the birth certificate my parents received at the hospital. But either way my time was wasted and I ended up with no loan. Reading other reviews its probably a good thing because they do not seem like a good company to do business with and loan officer, XXXX, lied to me multiple times saying she would submit my docs for final review but she never did. She said this each time after I submitted a new doc.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently discovered a late payment entry on my credit report for my XXXX auto loan in the amount of {$1000.00}. The late payment occurred in XXXX XXXX and another FHB account balance still {$4500.00}, actually all of account been PAID OFF! I deeply regret this oversight and take full responsibility for the delayed payment. However, I would like to bring to your attention the fact that I had no prior knowledge of this late payment as I did not receive any communication from XXXX regarding the missed payment. 
Throughout my history with XXXX, I have maintained open lines of communication and promptly addressed any financial matters. However, in this instance, I did not receive any calls or correspondence from XXXX alerting me to the missed payment. It was only when I reviewed my credit report that I became aware of this late payment entry. 
As an XXXX XXXX XXXX member, my deployments often present challenges in managing my finances. However, I have consistently made it a priority to ensure that my payments are made on time. I find it unfortunate that I was not contacted by FHB regarding this late payment, as I would have taken immediate steps to rectify the situation had I been made aware of it. 
I kindly request your understanding and compassion in considering a goodwill adjustment to remove this late payment entry from my credit report. As a loyal customer of almost XXXX years, I have demonstrated responsible financial behavior and have consistently made timely payments on my accounts with XXXX. This isolated incident does not accurately reflect my commitment to meeting my financial obligations. 
I genuinely value the relationship I have built with XXXX XXXXXXXX XXXX and believe in the exceptional service and support provided by your esteemed institution. I trust that you will take into account my loyalty, responsible financial behavior, and the lack of communication from XXXX in evaluating my request. 
Please feel free to contact me at your convenience to discuss this matter further or to request any additional information that XXXX be required. I can be reached at XXXX or via email at XXXX. I appreciate your time and attention to this matter and eagerly await your favorable response. 
Thank you for your understanding and consideration.
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Frontline Asset Strategies, LLC (CO)

A Frontline asset strategies damaged my credit by sending someone else 's debt into my account. 
I have received a letter from them, they used my first name, and someone else 's LAST NAME, saying I owe them for a XXXX bill!!!! I have disputed it with this frontline company and they said this is MY DEBT, but refused to show me a proof as I requested. 

I know for a fact I have NOT used any XXXX services within past 10 years, and I do not owe any money to XXXX. 

This company just used my first name and put a different last name to it in order to make it look like the debt is mine. 

My credit is damaged now and I am seeking help because they keep calling and sending letters. Please help.
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

I am asking for a complete investigation on the company. I sent in numberous correspondences to this company asking for proof of this debt bearing my signature as I asked this is my final attempt to get help with this matter. This company is harrassing me by telephone and mail demanding I pay a debt i do not owe and have ask for proof of this debt and have yet to recieve.
Consumer complaint received 2023-06-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX & XXXX ] Account Number : [ XXXX ] Reason : [ Never used progressive so why do I have it on my file? ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, [ XXXX XXXX XXXX
Consumer complaint received 2021-03-14
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: JPMORGAN CHASE & CO. (FL)

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. 

These are the fraudulent accounts : JPMCB CARD that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX  that opened last XX/XX/XXXX.
Consumer complaint received 2024-03-30
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. (IL)

I have sent in several disputes for years and TransUnion investigation took more than 30 days and the problem has not been resolved. I sent in my FTC report and Police report and my affidavit stating the inaccurate accounts do not belong to and nothing has been resolved, on XX/XX/XXXX I sent in documents and the company say they never received them, on XX/XX/XXXX I sent in documents and the company stated they never received, on XX/XX/XXXX I sent in documents and they say they never received, on XX/XX/XXXX I sent in documents notarized and certified mail of what the company stated they needed from me, today XX/XX/XXXX i was informed the investigation is going to take 30 days, the company been telling me the same thing for months and years and i never received any thing back regarding the investigation. this has been an ongoing issue with TransUnion and they are not updating my credit file as it should be. I received an investigation email with a document attached stating the inquiries was deleted and they still on my credit report.
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (TN)

XXXX XXXX evades state interest rate caps and deprives consumers of the ability to make informed decisions, to compare financing options, or to avoid high interest charges. Under the XXXX XXXX XXXX XXXX, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including engaging in unfair, deceptive, or abusive acts or practices. XXXX XXXX obscured the true cost of its loans, subjecting me to severe XXXX XXXX and aggressive debt collection on loans its own systems predicted that I can't afford to repay. Under Section 47-14-103, the state legal maximum interest rate is ten percent per annum. Under Section 47-14-121, interest rate on money judgment is ten percent per annum. If the judgment is based on a note or contract fixing another rate of interest, the interest will be same as agreed in the transaction.Charging higher rate of interest than the permitted state legal maximum interest rate is usury. Under Section 47-14-117, any contract charging usurious interest is not enforceable ; in such contracts the lender can only recover the principal amount and the lawful interest. If it is found that the lender has taken usurious interest, charges or fees, the lender will have to reimburse twice the amount collected from the debtor plus attorney fees. I had to pay more than XXXX in shop repairs because the car broke down and the extended warranty was a waste of money this was a rip off all the way around the board. Credit Acceptance Corp is horrible. I even explained to them that I caught XXXX and tried to get the payments in default they said they didnt do it I even tried to refinance they didnt do that either.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681 Section 602 A States I have a right to privacy. 

15 U.S.C. 1681 Section 602 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. 6802, I did not receive the required opt-out notice at the time I created the account that is being reported. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, I contacted Chase customer service to increase the amount I could spend from {$5000.00} to {$6000.00}. I did this so I could pay my escrow account with my mortgage company. The Chase customer representatives had me explain this request to one person, but she transferred me to another representative and I had to explain to them the reason why I wanted to do this. After waiting so long just to talk to them, I told them to forget it and I hung up. When I tried to use my debit card on XXXX, it kept getting declined on my daily purchases. As I have the money in my Chase account to cover these charges, I had to call Chase to find out why I was getting declined. The representative at Chase told me that my debit card had been put on hold by the representative I had become frustrated with the night before. I was being punished for ending the call early. I was humiliated with my declines at the supermarket and at a clothing store today. I will also have to explain to my XXXX XXXX company that also had their automatic debit declined. All because Chase didnt like me ending my call early with them. They have treated me like a XXXX  child and caused me shame and embarrassment.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (CA)

I was a Simple Customer who was involved in the conversion from Simple to XXXX. If you don't remember simple, their main selling point - no fees. Literally across every document that I signed, every commercial and every notice. Fast forward to the conversion, and I called and was told that my service would remain the same, the interest fee would change and they had overdraft fees. I didn't have the choice to opt-out because I couldn't access my Simple account to bring my account to zero, and they were unwilling to cut a check. XXXX started saying they'd honor the terms of my original agreement, but that changed ... not during the transition. Not even 90 days after the transition, but on XX/XX/2021. The month before, I'd received my first notice of the transition to PNC with a note that " fee waivers '' will expire. Crazy because the account I signed up for didn't have fees. And at this point, I hadn't agreed to any of PNC 's terms. The transition wouldn't complete for another two months. 

Next thing I know, I'm charged over {$700.00} for transactions ( all of which were paid in full using my XXXX XXXX card ) as the transition to PNC loomed. I noticed this change in XXXX and attempted to get in touch with their team. I wasn't successful until XX/XX/XXXX, at which time, the transition to PNC was a few weeks away and I was told by their staff that this is an error, that it should be corrected, but that the staff member could only make adjustment to 4 of the over 20 ill-gotten funds. They referred me to another department that agreed, apologized and then said I'd have to go to a physical location ( over 40 minutes away ). I called for 4 days to set an appointment, but their excuse was that they were training for the conversion. I went to the branch and then they made me set up an appointment to come back again. Their manager called me, agreed that everything wasn't right and sent me to their escalations team. She mentioned they'd call in 2-3 days. Over 14 days later I get a single email from their team, ignoring all of my previous correspondence, implying that I'm being sensitive and emotional on the matter, and they proceeded to say that they couldn't help because of the transition. Aka, " we know you're right about this, but ooops, time has run out ''. Absolutely not.