davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-23
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: AMERISAVE MORTGAGE CORPORATION (MD)

I purchased my home in Maryland with a mortgage from Amerisave Mortgage, and was current in my payments until XXXX of XXXX when I went into XXXX forbearance under the CARES Act. Apparently, Amerisave reported the forbearance to the credit bureaus in XXXX of XXXX as a past due balance. However, it didn't impact my credit score until this XXXX when my score fell from XXXX ( as reported in XXXX of XXXX ) to XXXX ( according to XXXXXXXX XXXX. ) As soon as I discovered this, I called Amerisave and they agreed to reach out to the credit bureaus to correct the issue. Then today XX/XX/XXXX, I received a message from them stating that I had been reported in XXXX of XXXX, but had been current since. This seemed to indicate that they had not recognized internally that I shouldn't have been reported. Again, I called them and tried to resolve the issue and they again stated that they would review. However, my car lease is up this month and I need my credit score in the XXXX 's to be able to secure a favorable rate on my next car purchase which must happen before the end of the month. I would like to file this report to get them to resolve this matter urgently. ( I have included a screen shot of the notification from XXXXXXXX XXXX of the report from Amerisave, and also an image of a document from Amerisave dated XX/XX/XXXX, stating that I had been approved for XXXX XXXXXXXX forbearance. Note that in the confusing document, they requested additional information not required under the CARES Act and tried to create a sense of urgency around sending the information. Over the next several months, I received approximately 5 similar documents each month. )
Consumer complaint received 2023-08-23
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act This creditor has violated my rights.. XXXX XXXX XXXX Account # XXXX, Under 15 USC 1681A ( 2 ) Exclusion report containing information solely as to transactions or experiences between the consumer and the person making the report Under 15 USC 1681 section ( 602 ) States I have a right to privacy Under 15 USC 1681 section 604 ( A ) Section ( 2 ) States a consumer reporting Agency can not furnish an account without my written instructions.

Under 15 USC 1666 ( b ) Creditor may not treat a payment under a credit card account under a open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX XXXX XXXX XXXX XXXX XXXX balance transfer offer so I signed up for a new credit card. On XX/XX/2022 I did a balance transfer for {$7400.00} to my Bank of America account and they got my account number wrong. It went to the account number XXXX XXXX XXXX XXXX which is XXXX XXXX XXXX XXXX Bank of America account. My bank of America account number that it was supposed to go to is XXXX XXXX XXXX XXXX. I had tried to dispute this with XXXX XXXX and they closed the dispute and XXXX Bank of America had to resolve it. I spoke with Bank of America, and they stated it is XXXX XXXX XXXX XXXX I have XXXX XXXX XXXX XXXX customer Id is XXXX. Payment date was XX/XX/2022. It was not authorized to go into any account other than mine with the account holders name of XXXX XXXX. My name is not on the account it went into. I want the transfer amount to go back to my XXXX XXXX that I opened. The account number with XXXX XXXX that now has the transfer amount of the {$7400.00} is in my name XXXX XXXX and the account number is XXXX XXXX XXXX XXXX. That is the account that I want the transfer amount returned to.
Consumer complaint received 2023-08-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Time Investment Corporation (NC)

I am writing to express my deep disappointment and frustration with the exorbitant interest rates that have been applied to my Time Finance loan. The recent statement I received has left me astounded by the high interest charges, which I find to be unreasonable and unexpected. 

When I initially entered into an agreement with Time Finance, I did so with the understanding that the interest rates would be fair and in line with industry standards. However, the current interest rate has far exceeded my expectations, making it increasingly challenging for me to manage my finances responsibly. 

I have always been a conscientious and diligent borrower, consistently making my payments on time and adhering to the terms and conditions of our agreement. Therefore, it is disheartening to see such high interest charges that are not aligned with the trust I have placed in Time Finance. 

I kindly request a review of my interest rates to bring them into a more reasonable and manageable range. I believe that fair treatment of customers, especially those who have demonstrated financial responsibility, is essential for maintaining a positive relationship between Time Finance and its clients. 

I am open to discussing this matter further and finding a resolution that benefits both parties. I hope that Time Finance values its customers ' financial well-being and will take steps to address this concern promptly. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/XXXX. I made several deposits XX/XX/XXXX - {$1400.00} XXXX XXXX I made several purchases between XX/XX/XXXX to XX/XX/XXXX and still had a available balance of XXXX on XXXX notice my balance was at XXXX. I called customer service they said it was correct and they didnt see where the other transactions are and it may show up but they cant help or dispute this until they show the transaction. I didnt make any transactions. They never helped me or refunded me. Please help me get my money back. 

Thank you
Consumer complaint received 2023-08-23
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: I.C. System, Inc. (OH)

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. I C System, has violated my rights. 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 2023-08-23
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: SANTANDER HOLDINGS USA, INC. (IL)

To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1971 I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. 
XXXX  XXXX XXXX  XXXX {$1000.00} XXXX  XXXX XXXX  XXXX {$530.00} XXXX XXXX  XXXX XXXX {$0.00} SANTANDER CONSUMER USA XXXX {$12000.00}
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (KS)

I saw that some have access to my information and used to apply from companies without my consent and I want to let the company know that Im not the one responsible for it so it shouldnt be on my record
Consumer complaint received 2023-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/2023, I logged into my Capital One mobile app and noticed 76 charges to XXXX! I do not have a XXXX account! The charges amounted to over {$5000.00}. 
I called Capital One and disputed the charges. How is it possible that all these charges were under the Bank 's radar so to speak?! There were no alerts and nobody called me to let me know someone has fraudulently charged my account and ordered food at a number of restaurants in California! ( I live in Florida and could not possibly make these charges. ) To this date, my claim has not been resolved and my money returned. The above constitutes a classic example of fraud but Capital One has not taken any responsibility. I called them many times and their representatives can not give me any assurance that I will get my money back.
Consumer complaint received 2023-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MA)

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.
Consumer complaint received 2023-08-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Flexible Finance, Inc. (TX)

Hello, This company helps to break your rent into two payments by providing a short term loan. 

Timeline : On XX/XX/2023 my apartment complex told me that my rent for XXXX would be prorated at 1125mo ( its normally about I informed Flex that this was occurring. On XX/XX/2023 they informed me that this amount had been adjusted as requested by me. I also sent them a copy of the email that my company sent. 

It was initially adjusted to only draft XXXX dollars ( approximately on the XXXX ), however, the app defaulted to the original rent amount. After telling them this occurred, they assured me my account would reflect the proper amount. Flex STILL charged me the improper amount. After asking for a refund, this company said they could not comply. I feel that this company intentionally overcharged me.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (NJ)

Sent a letter dated XX/XX/2021 directing SageStream to mail my yearly consumer disclosure. Sagestream choose not to comply and did not send me a copy of my consumer disclosure.

Sagestream has a history of not complying with requests for disclosure. See previous complaint : XXXX
Consumer complaint received 2024-02-28
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. (AZ)

I am writing to express my profound dissatisfaction and frustration with the repeated unsuccessful attempts to remove fraudulent items from my account. Despite my persistent efforts and numerous communications, these fraudulent entries persist, causing significant harm and distress. 

I have diligently followed the procedures outlined by your institution to dispute and request the removal of these fraudulent items. I have provided all necessary documentation, explanations, and evidence to support my case. However, despite my best efforts, the fraudulent entries remain unresolved. 

It is deeply concerning and distressing to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my financial standing and reputation. These unresolved fraudulent entries not only affect my ability to access credit and financial services but also undermine my trust in the integrity of your institution and the financial system as a whole. 

I have made numerous calls, sent multiple letters, and engaged in extensive correspondence with your institution in an effort to escalate the resolution of this matter. However, the lack of progress and the continued presence of fraudulent items on my account have left me feeling helpless and frustrated. 

As a valued customer, I have the right to expect prompt and effective resolution to any discrepancies or fraudulent activities associated with my account. The repeated failures to address this issue not only violate my rights as a consumer but also reflect poorly on your institution 's commitment to customer service and financial integrity. 

I urge you to take immediate and decisive action to rectify this situation. I request that all fraudulent items be promptly and permanently removed from my account, and that measures be implemented to prevent any recurrence of such errors in the future. 

Furthermore, I expect transparent communication throughout the resolution process, including regular updates on the progress made towards resolving this matter. 

Please consider this letter as a formal complaint regarding the handling of the fraudulent items on my account. I trust that you will prioritize this issue and take the necessary steps to restore my confidence in your institution and the security of my financial information. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, RI XXXX XXXX XXXX XXXX : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-22
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2017-01-24
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Global Recovery Group (TX)

Global Recovery Group contacted me about a payday loan they claim was taken out in my name. The XXXX data provided by Global is not mine and I unequivocally deny having taken out a payday loan or similar. Additionally, there has not been an attempt to collect from the payday loan company at any point. The " loan '' is not listed on my credit report nor have I received any notification from my credit monitor that a payday loan was applied for or given. I believe this to be a scam to collect on a non-existent or fraudulent loan.
Consumer complaint received 2017-04-05
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Capital Enterprises, Inc. (CA)

I have repeatedly requested that American Capital Enterprises provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Consumer complaint received 2023-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates (NY)

Whom It May Concern : I am writing to complain about a collection account that appears on my credit report. The account is for {$1100.00}, original creditor XXXX XXXX. 

I have never conducted any business with Stafford Group and Associates, nor have I signed any contract with them. I believe that they are illegally using my information without my consent. 

I first became aware of this collection account when I recently checked my credit report. I have never received any bills or correspondence from Stafford Group and Associates, and I have never made any payments to them. 

I have done some research and I believe that it is illegal for a debt collector to report a debt to a credit reporting agency if the debtor has not been given proper notice of the debt. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a debt validation letter to the debtor within five days of first contacting them. This letter must include the name of the creditor, the amount of the debt, and the date the debt was first incurred. 

I have not received any debt validation letters from Stafford Group and Associates. Therefore, I believe that they are illegally reporting this debt to my credit report. 

I demand that you immediately remove this collection account from my credit report. I also demand that you send me a debt validation letter. If you do not comply with my demands, I will be forced to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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: Experian Information Solutions Inc. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX