davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2016, someone opened up a Credit Card with Amazon/Chase. It was not me but they hacked Amazon and stole my information. I received it at my home, but they had used my old address. I contacted Chase and was informed that Amazon/Chase had had a security breach and XXXX account information was stolen from Amazon. They also stated that they are dealing with 100's of Consumer's that are having the same issue I am. I contacted Amazon who to their knowledge knows nothing about their security breach and were not very helpful. I am now a victim of Identify Theft.
Consumer complaint received 2022-10-31
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I sent several letters out to Experian, XXXX, and XXXX beginning XX/XX/2022. I have been working on my credit, and have not received any responses from any of these companies. 

I just found out that if the credit agencies do not respond in 30-40 days, it is unlawful.

According to 15 Usc 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2021-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

On XX/XX/2020 an unknown person accessed my online banking account, created themselves as a " Payee '' and was able to send themselves {$9400.00} without any type of alert or caution from Huntington. This fraudulent transaction was noticed by me XXXX, on this date I filed a report with Huntington that this transaction was not made to anyone I know and was not done by myself. Since the initial report I have followed up 6 times with Huntington customer service ; since those correspondences I was told that my case was closed without ever consulting myself, unable to speak with the researcher working on the case, and indirectly accused of attempted fraud. Huntington Bank has made little effort to work with me as a victim of fraud, has failed to be an advocate for me as a long time customer, and has been negligent in their handling of a case in which their own system allowed a fraudulent transaction.
Consumer complaint received 2021-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

I got scammed last month when I had to deposit a fraud check into my account and cash out the rest of it. A few days to the next week, I saw my checking account for Wells Fargo turned into a negative balance in which I did not do. When I checked the transaction, it said returned item unpaid which said {$5700.00}. I filed a claim to Wells Fargo, waited 10 business days and it got declined, so they were not able to reimburse me with this situation. Right now, my bank account is overdrawn by - {$2900.00} after my last direct deposit from bank went through when I got paid at my job. I also made a police report and called around for a lawyer and I never gotten refunded. How do I resolve this issue? Because I am really tight on money.
Consumer complaint received 2021-07-27
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: CITIZENS FINANCIAL GROUP, INC. (NJ)

I ha

ve these accounts that does not belong to me and i want them to be removed from my credit. 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft CITIZENS BANK Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX  This is not mine.
Consumer complaint received 2021-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Access Receivables of NC Inc. (VA)

I received a medical bill for approximately {$600.00} from XXXX XXXX XXXX XXXX  I didn't pay this because it wasn't submitted to my medical insurance properly. So it was sent to a collections agency. After speaking repeating with XXXX XXXX XXXX XXXX, they resubmitted to the insurance company and they paid {$450.00} leaving a balance of {$160.00}, which I paid to XXXX XXXX XXXX XXXX on XX/XX/2020. 

The problem now is a collections company called Access Receivables calls me multiple times a week demanding {$600.00}. I've told them to stop calling and it continues. They call me from XXXX.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-06-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Visited XXXX XXXX 's website to explore debt consolidation loan options and check rates. Through the prompt I entered in my identity information and at the bottom of the screen before clicking accept there was language staying " accepting will not impact your credit score. '' After that I received a credit alert that XXXX XXXX had submitted a hard credit inquiry. I was transferred from a local branch to corporate to speak with XXXX in the Disputes Department. XXXX " XXXX '' advised me that I am incorrect and that I must have " checked a box '' to authorize them pulling my credit through the interface. I advised her that I did not and offered to go to the website to take screenshots. She told me it wouldn't be necessary and there is nothing she can do and that I would have to file the dispute with the bureaus. She told me it was an FCRA violation for them to delete the inquiry. I advised her it was also an FCRA violation for them to conduct a hard inquiry without my explicit authorization and verifying my identity to ensure it was me and that there should be someone to whom can help me like this as it could be a technological issue between XXXX XXXX XXXX XXXX... I probed a bit more to see if there is someone else to speak to and she said that they don't have a department that can help me remove the inquiry. I advised her that this isn't an acceptable practice and that I will never do business with this organization. I then requests as a California Resident for them to remove any and all data from their systems about me ; she condescendingly stated " We'll see what we can do '' and ended the call. 

Bottomline : They are in FCRA violation by pulling my credit without explicit consent or if consent was captured it was not in a clear acceptable way that I knew as an end user what I was doing. As result, my score decreased XXXX points via Experian for just checking a rate on a personal loan. This can impact negatively and the service I received was negative. Now working with the bureau on the appropriate dispute.
Consumer complaint received 2022-10-31
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Dovenmuehle Mortgage, Inc. (IL)

Mortgage was included in bankruptcy discharged XX/XX/XXXX. Mortgage was reaffirmed in bankruptcy. Asked for payoff starting in XX/XX/XXXX and despite numerous call daily Dovenmuehle did not provide payoff until XXXX XXXX AFTER loan was transferred to XXXX XXXX XX/XX/XXXX, XXXX we were supposed to close on sale of home in XXXX but could not close until XX/XX/XXXX. XXXX. Funds sent to XXXX at closing were returned to title company as they were not servicing the loan anymore. Loan was then paid off through XXXX XXXX. XXXX shows account as open on my credit report and as discharged through bankruptcy even though it was reaffirmed. The XXXX balance and derogatory credit rating infer that the debt is XXXX because it was discharged in the bankruptcy. It should indicate paid in full and the loan had been in a COVID forbearance prior to the servicer transfer and subsequent sale and should not indicate a negative credit reporting code for those months. Not closing on the loan in a timely manner caused terrible stress for our family and financial hardship, and not reporting this correctly is now doing the same as we start to work on obtaining a mortgage for a new home.
Consumer complaint received 2023-06-29
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. (MD)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2022-10-31
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: Experian Information Solutions Inc. (NV)

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have all violated my rights. 

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.

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 2021-01-19
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. (IL)

I received a copy of my credit report and found the following item to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : 1. I have never been late with payments on this account. 
XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
Credit Bureau is refusing to investigate or replay with same answer.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

In XX/XX/XXXX, I accepted an offer from American Express to 'upgrade ' my 'XXXX ' XXXX  [ which has no annual fee ] to an 'XXXX XXXX ' card which has an annual fee of {$95.00}. Included with this offer was the promise of XXXX Membership rewards points if I spent {$2000.00} on the card within the 1st 3 months. 

I spent the required amount on XX/XX/XXXX and paid the annual fee ( which AMEX prorated to {$41.00} ) which posted on XX/XX/XXXX. AMEX then issued my the XXXX Membership rewards points. 

On XX/XX/XXXX, I was billed the {$95.00} annual fee for the following year. Since I found I was not getting substantial benefits associated with the 'upgraded ' card, I called AMEX and had them downgrade me back to the 'no fee ' 'XXXX ' XXXX AMEX did so, and refunded most of the {$95.00} annual fee. 

However, AMEX also clawed back the XXXX Membership Rewards points for which I had already met the qualifications, via paying the annual fee for the previous year and spending the required amount within 3 months of doing so. 

I feel this is a 'bait and switch ' on AMEX 's part and I'm requesting that they restore my XXXX Membership rewards points.
Consumer complaint received 2021-01-19
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. (AR)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-19
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: TRUIST FINANCIAL CORPORATION (OR)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, XXXX  XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2019, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GLOBAL PAYMENTS DIRECT INC. (PA)

I opened an account with the XXXX  XXXX, who uses Global Payments Inc to process deposits. I added my bank account and was denied the ability to make ACH deposits into my account. Upon contacting Global Payments Inc, I was informed that they, illegally, ran a credit check without my permission. Again, there was no request anywhere for my permission to run a credit check. There was nowhere that informed me that one would be run either. I was not seeking credit of any kind, but rather simply adding my own personal bank account for ACH transfers. The Fair Credit Reporting Act ( FCRA ) strictly prohibits pulling a consumer 's credit for an impermissible purpose as Global Payments Inc has done here. Furthermore, Global Payments Inc informed me that my request to add my bank was denied based on said credit check. As I have a credit score of XXXX with all 3 credit agencies, I was very curious as to the reasons I would be denied based on a credit check. I inquired as to why I was denied and was told they would not give me that information. The Equal Credit Opportunity Act ( ECOA ) mandates that lenders that deny credit to their applicants must state their reason for the rejection. Again, Global Payments Inc, outright refused to provide the reason for denial. I then asked for their legal mailing address for the purpose of filing a complaint with the CFPB and was initially denied that information as well. This company is violating the law, repeatedly, and then trying to conceal their identity from the government agency that regulates their industry. This needs to stop and the company needs to be fined and held accountable.
Consumer complaint received 2021-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (TX)

On XX/XX/XXXX an Electronic Funds Transfer was rejected from my Credit Union. The amount was for {$330.00}. This was not my check and was caught while I was at the bank disputing two other checks that were cashed against my account. The credit union immediately closed my account and reimbursed my funds. I disputed in writing these debts with XXXX XXXX XXXX and now with Professional Bureau of Collections of Maryland , Inc. but continuously receive phone calls and letters. I responded in writing again on XX/XX/XXXX and again today through an email. I also fileed a police report for fraud.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

am writing to bring to your attention a matter of grave concern regarding my credit report. Upon careful examination, I have discovered unauthorized inquiries listed on my report, indicating potential identity theft. 

As a responsible individual, I regularly monitor my credit activity to ensure its accuracy and integrity. However, the presence of these unauthorized inquiries has raised significant alarm and distress for me. It is evident that my personal information may have been compromised, leading to these fraudulent inquiries.

I take this matter very seriously and am deeply troubled by the implications it may have on my financial well-being. Identity theft is a severe violation of privacy and trust, and I am committed to taking all necessary steps to rectify this situation and protect my personal information from further misuse.
Consumer complaint received 2021-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (GA)

IDENTITY THEFT A COLLECTION COMPANY SOUTHWEST CREDIT SYSTEM HAS FASLEY REPORTED A DEBT THAT DOES NOT BELONG TO ME COMPANY NAME XXXX XXXX XXXX I NEVER OPEN THE ACCOUNT THAT REPORTS TO ALL 3 CREDIT COMPANYS,
Consumer complaint received 2021-01-19
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Dear Portfolio Recovery Associates, I have requested you to provide competent evidence of my alleged ownership of disputed false account XXXX and you responded with the false claim that you " investigated '' my complaint but failed to provide any competent evidence of the alleged debt other than some fake statements. Please investigate the alleged transactions on the alleged statements and other facts and delete as I have no knowledge of this false account.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: FISERV INC. (WV)

I was charged an " Account Maintenance Fee '' for {$5.00} on XX/XX/XXXX and XX/XX/XXXX. I had never been charged any fees before. I did not agree to these fees as this account was set up by my employer to distribute per diem money from a US government contract. 

I read over my card agreement and NOWHERE does it list this fee. It talks about a fee schedule but it is not included in the paperwork I was sent. 

I called Money Network on XX/XX/XXXX as there is not option to contact them through their website or social media. I stayed on hold for 40 minutes and no one ever answered.
Consumer complaint received 2023-06-30
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. (PA)

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. 

Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. Under the permissible purpose section of the Fair Credit Reporting Act, I have NEVER given this agency written consent to report this information. 

I demand these accounts be deleted from my credit report