davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (IN)

On XXXX I was alerted to a collection appearing on my XXXX and XXXX credit scores. They were brought by Sequium Asset Solutions regarding an unpaid XXXX XXXX bill of {$2600.00}. I have never had an XXXX XXXX account. They also supplied XXXX with an inaccurate address, XXXX XXXX XXXX, XXXX, OH. This has never been a residence of mine, and I have never lived in Ohio.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

In accordance with the Fair Credit Reporting and XXXX XXXX  # XXXX has violated my rights. 

15 USC 1681 section 602A states i have the right to privacy.

15 USC 1681 section 604A also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-02-13
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-13
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. (SC)

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL FRAUDULENT ACCOUNTS REPORTING ON MY EXPERIAN REPORT. THEY DO NOT BELONG TO ME. CHECK FTC REPORT FOR ACCOUNTS. 


CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2016-04-03
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Moritz Partners L.P. (TX)

XXXX XXXX call people about their car payments and and if they ca n't get in contact with the customer they will call references and Neighbors and give out personal information also they will offer the customers friends and family money to help them look for the car if their account is delinquent. They will also run credit bureaus on customers several times a month also if there is a third-party driver that is driving the vehicle that is not on the contract they will run credit reports and social searches on that third party and the third-party driver did not sign any kind of release to run their credit information
Consumer complaint received 2017-05-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have contacted this company on numerous occassions trying to inform that this account is not mines. I have never had an  XXXX   XXXX  account and to be quite frank I have never even shopped in their stores because they do n't make clothes for my size or style. I contacted them by phone but to no avail the reps were rude as  XXXX . I sent multiple letters asking that they provide me with a contract with my signature and the terms and conditions regarding this account. They pretty much refuse ( see attachment )
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

From XXXX XXXX-XXXX XXXX and XXXX i was in the hospital with XXXX and XXXX complications. 
XXXX XXXX had charges of XXXX that was done fraudulently. 
With American Express i had 5 cards that had fraud from gambling sites the dates were from XX/XX/2022 through XX/XX/2022 XXXX card was XXXX, one card was XXXX, one card was XXXX, one card was XXXX and another was XXXX. American express confirmed it was fraud but someone other than me called and told American Express the charges were accurate. In which caused them to rebill me.
Consumer complaint received 2023-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (TN)

The last time I used the card was in 2020, a few month ago I was notified via mail that there it was a charge and was adding late payments. I looked at the charges, and they were made in the XXXX XXXX, this was not me. I called the company back in XXXX, the lady on the phone said she will put a stop on the account, open a claim, and escalate it to the investigators. Now it seems like they are not doing business with XXXX anymore, it is hard to get a hold of some one, and the call keeps dropping. They had flag my account and have put a negative impact on my credit, I need help.
Consumer complaint received 2015-07-06
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rubin & Yates, LLC (NV)

On XXXX XXXX I received a call for a debt from 2012.The message left threatened to have me " detained '' at my place of employment or at home if I did not pay up today charging me with wire fraud.. They charged me to legal and process server fees and I paid the entire amount over the phone with my debit card. XXXX my mistake ) It cleared my bank. On XXXX XXXX, they charged my account again for the same amount, even though I have a receipt showing paid in full. When I called and explained the issue, they put me on hold for over XXXX minutes and did not come back. When I called again, no answer. I filed a fraudulent use of debit/credit card with my bank. This company violates all collection processes and regulations, first by the tactics, and voice mails and then by using your CC for further gain.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

On my credit report, XXXX XXXX XXXX Bank is showing a credit card account late 270 days in a 3-month span. How is that possible when there are only 90-days in 3 months?

It is ridiculous and hurting my credit score. 

Also, it's a violation of my rights for XXXX, XXXX, and Experian to report late payments to my credit report without first contacting me, and second getting my permission to do so.
Consumer complaint received 2024-06-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION (NY)

My company has decided to move our XXXX account from XXXX XXXX to XXXX. They are starting with XXXX  on XX/XX/year>. I completed a transfer form so that my new account would have my money. I was never informed and was not aware that XXXX charges {$25.00} to move the money and close the account. I have looked all over the website that I have available to me and the only disclosure I found recently is an instruction sheet that states that a closing fee " XXXX '' apply. Not will apply and there is no XXXX XXXX XXXXXXXX and XXXX XXXX XXXX published anywhere. I feel this is very unjust and excessive so that I can continue using an XXXX account with my company 's High Deductible plan. I consider this to be a " junk fee ''.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

My acct was hacked with my actual acct number on XX/XX/XXXX. I was told they would close it out after everything cleared. They told me to go open a new acct at the bank. So my husband an i went and opened a new acct. I ask the guy what happens to the money that was taken an the money i have in the acct. He said after everything clears it will go in my open acct. So on XX/XX/XXXX i called an ask why i owed XXXX something to a closed acct. They said its not closed. Now they have been hitting me with fees every month on a acct thats supposed to be closed so i said i want all my money back an take that money u said i owe off i had to get a supervisor who said he t Put back all the fees and money well he didnt. Now again i owe more money on XX/XX/XXXX so i called again and the fraud department said they would take care of this. So yesterday XX/XX/XXXX my husband got paid and he works in XXXX an needed gas he got declined hes beyond XXXX. I call and get XXXX an i told her im sick of this an she said i need to talk to your husband now granted we did the same thing last month and he told them to talk to me for anything she would not help so i hung up and called back this guy said we cant take the fraud pertection off his card. Ive never heard of this its my acct and noone is helping on this closed acct. I have had nothing but problems bouning stuff an its all on bill pay please help us i cant take this bank i need this all fixed an the money they owe me so i can close out an go to my other bank. This bank i have never had this kind of problems. Its also the credit card to. I dont have the acct number for this closed acct
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma (TN)

My name is and spelled as XXXX. My maiden name is XXXX. I have no middle name. On my credit report there is a XXXX and XXXX. Please have this information corrected on my credit report. My email address is XXXX Thank you
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (FL)

I asked the credit bureau do the verification of everything in my credit report on XXXX they did it and they dictated that everything was accurated. 
I did a total research In accordandance with the fair credit reporting act XXXX account name : XXXX XXXX with account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 620 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 my written instructions.
Consumer complaint received 2024-06-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NV)

My XXXX Credit Card was used unauthorizedly. I disputed the charges, and they were all denied. I contacted the merchant and requested information. I received the information and provided it to XXXX Credit Card support. The information shows that the orders were shipped to a California address and to a person called XXXX XXXX. My name is XXXX XXXX XXXX, and I live in XXXX XXXX, XXXX Despite the information I provided, my numerous claims were still denied, the credit was reversed, and I was deemed responsible for the charges. Also, my credit card account was closed due to the chargebacks. 

I have attached the information with this complaint again along with my Nevada Driver License with the sensitive information white out. I hope XXXX Credit Card can review the information I provided and return the credit to my account and reinstate my credit card.
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SUNCOAST CREDIT UNION (FL)

Paid off loam earlier than expected XX/XX/XXXX Asked for gap refund Which I added to contract Send Suncoast credit union also XXXX XXXX message about Gap refund Both parties in question denied I ever had the coverage I moved in XXXX of XXXX Found original contract Paid XXXX dollars for gap Insurance No one ever called Insurance company to cancel or Refund money I reached out to Insurance company for gap only to find out Insurance were currently active because Suncoast never canceled policy
Consumer complaint received 2023-08-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (TX)

I'm writing about my loss mitigation with Amerihome mortgage. I've been overseas for work for the last few months, and did not receive the paperwork for the loss mitigation before the deadline. Amerihome canceled the mitigation because the documents were not returned in time. I want to formally appeal this decision, and can provide documents substatiating that I took a new job overseas, but plan to maintain this home as my permnanet residence. I would like the mitigation to be reinstated so that I can get the documents to them in a timely manner. I told the Amerihome representative that I would be overseas, and they assured me the documents would be emailed, but this did not happen.
Consumer complaint received 2023-05-31
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX, 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
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (CA)

XXXX/Chase opened a charge card under my dead husband 's name. XXXX XXXX  XX/XX/XXXX. They won't cancel the credit card. They said they need more info to get into the card. I will not provide them with any info. We only have had a XXXX card for XXXX  years. There is no other bank and we never dealt with Chase ever in the past. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX They wanted my husband 's mother 's maiden name. I was reluctant. They said this card was opened in XXXX and last used in XXXX. That's impossible. I was the only person paying our bills.XXXX  had XXXX XXXX  and this is so wrong. This must be a scam. I don't want any closure of a credit card to ruin my credit rating. They insisted on private information. There's something very wrong. 
The credit card statement is {$0.00} balance but the idea they are bogusly sending a statement must be fraud.
Consumer complaint received 2023-05-31
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: Bull City Financial Solutions, Inc (NC)

I contacted Bull City Financial about a collection of XXXX on my credit report since 2018 for XXXX XXXX XXXX. I have never had any dealing with this company and never lived at the address listed. Bull City Financial associate was rude, nasty and hung up on me.
Consumer complaint received 2023-05-31
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. (IL)

after reviewing my consumer report, I noticed that there were in accurate accounts and information on my consumer report. The consumer reporting agencies never gave me my right to opt out and furthermore, they never ask for my permission to furnish this information further they have assumed this vital role and have infringed upon my right to privacy, selling my information to a third-party debt collector. In pursuit to 15 USC 1681 ( 4 ) my privacy has been invaded, and damages have been done, the damages that arose were to my mental health, and it also stopped me from traveling to and from work. Also, its got me from being able to receive more business credit. Also, it stopped me from being able to communicate with family members and friends, and it also damages, my overall reputation with lending institutions.
Consumer complaint received 2023-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NE)

National Credit Systems has a debt collection with an open balance of {$2300.00} by original creditor XXXX XXXX on my XXXX credit report opened XX/XX/2022 I have never rented from XXXX XXXX  nor have I been a cosigner for anyone ever. I have been renting my current home through a private landlord for the last 4 years and after further investigation it appears that XXXX XXXX  is an entirely fraudulent company that operates out of the Philippines according to their facebook page, I believe that if they have any information substantiating this debt it is fraudulent and the fact that they rejected my credit dispute with XXXX makes them complicit in this fraud.
Consumer complaint received 2024-02-29
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. (SC)

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

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 items remain unresolved. 

It is deeply troubling to see that despite my repeated attempts and persistence, the fraudulent items continue to negatively impact my account. These fraudulent entries not only affect my financial standing but also raise concerns about the security of my account and potential vulnerabilities to fraudulent activity. 

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 frustrated and disillusioned. 

As a 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 fraudulent activity 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 am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$670.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-03
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: Experian Information Solutions Inc. (NV)

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate! 
I look forward to your written response confirming your compliance on this matter as well as an updated credit report.