davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/XXXX, a flight was purchased using my debit card for {$260.00} and immediately an hour later, call was made to XXXX to cancel the purchased. It was cancelled and my account was not charged at that time. However, a day later ( XX/XX/2020 ), charge of {$2200.00} was posted to my account from a merchant that I did not recognize the name and I immediately, I called Suntrust to stop the payment that it was a fraudulent charges. Suntrust opened a case to investigate. Nonetheless, upon completion of an investigation from Suntrust, they decided that the charges were justified and I'm responsible for the charges and the overdraft fees that was incurred during the investigation. In other word, Suntrust denied my claim stating it was denied because I had interaction with the merchant. I have called the supposed merchant several times with no success. I thought this was a fraud since I did not purchase anything for {$2200.00}. I want Suntrust to refund my money in the amount of {$2200.00} plus {$72.00} for overdraft fees since I called them less that 24 hours that it was a fraudulent activity. Suntrust has the power to stop any payment that I want them to stop. They are supposed to protect my money and they failed to do so. They blocked my card several times for small amount and did not think they should blocked this large amount before authorizing it. Why I'm banking with them if that can not protect my hard earned money from thieves?
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Source Receivables Management LLC (LA)

XXXX XXXX In accordance with the Fair Credit Reporting Act Source Receivables Account # XXXX has violated my rights. 

In accordance with The Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX 15 U.S. Code & 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identify theft. 

My action was dispute with the companies wasn't getting no written notice or respond.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis (OH)

My name XXXX XXXX XXXX DOB XXXX SS XXXX I have requested that my security freeze be removed for the 3rd time. I am writing to request to remove a security freeze on my credit report.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc. (NJ)

I requested my information and I have yet to receive anything. 

Please have this company upload the following documentation. 

Last 12 months of billing statement, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. XXXX. allocation of payment.
Consumer complaint received 2020-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2020, I called Capital One to review options regarding Covid-19. I am directly affected, and have two open credit cards with Capital One. I am current on both. 
After a 15 minute wait, I was connected to a foreign call center who was woefully unprepared for such questions. I kept asking what my options were, and the young lady on the other end in heavily accented English kept replying " do you want minimum payment? '' I kept saying repeatedly ( and calmly ) that I do not understand, and to please explain what my options are. 
Eventually, I asked to be connected to a supervisor or someone who understood the recent impact of the pandemic. 
I was connected with XXXX, who was extremely pleasant and noted that we had birthdays one day apart. 
She informed me that the previous agent had made changes to my account and " I should have been told all of this in the disclaimer '' before she went and did it- which I was not. No disclaimer was mentioned or recited, and I still don't understand what was done, but I'm told my due dates would change within the next few business days- At this point the call disconnected. I've been trying to call back, and the wait times are now over 40 minutes. 
Capital One has no email address, no published plans to deal with Covid-19, and their staff have no communication skills to convey options.
Consumer complaint received 2020-03-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (KY)

I am writing you to inform you that Bridgecrest was unwilling to defer a payment, with the coronavirus   and a state of emergency here in Kentucky and across the nation. I would like to warn other consumers that good payment history does not allow you to defer a payment with Bridgecrest.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

This is the first time my identity has been compromised. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX {$2500.00} XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX {$400.00} XXXX   XXXX {$900.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$410.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX   XXXX {$62000.00} XXXX/XXXX XXXX {$400.00} XXXX/XXXX  XXXX {$490.00} XXXX XXXX {$340.00} XXXX  XXXX {$410.00} XXXX  XXXX {$350.00} XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX {$23000.00} XXXX  XXXX {$500.00} XXXX  XXXX {$900.00} XXXX/XXXX  XXXX {$3900.00} XXXX/XXXX  XXXX {$500.00} XXXX XXXX XXXX {$360.00} XXXX/XXXX   XXXX {$1700.00} XXXX
Consumer complaint received 2020-03-18
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. (IL)

I have reviewed my credit report and have noticed " XXXX/XXXX - XXXX '' has inaccuracies for Experian. Such as on " XXXX XXXX '' it states I owe " XXXX '', that is an inaccuracy the documents provided show a balance owed of " XXXX ''. " Payment Amount '' is inaccurate as well, it is reporting a payment of " XXXX ''. In the uploaded documents there are payment amounts of " XXXX ''.
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

They called and stated someone would need to be home when a package is delivered. Then proceeded to say it was a summons suing me for the collection of an HSBC MasterCard that I have never had and did not open. When I told them this they said it did not matter because I was lying and my wages will be garnished, bank account seized, and a lien filed on my home. The collector also stated that we should not report them to you because you only ever answer 1 %. I asked them to cease all communication and he has continued to call and leave voicemails advising against reporting them because it will make the situation worse for me.
Consumer complaint received 2020-03-18
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. (GA)

A while back I lost my purse with all personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX  XXXX {$7000.00} XXXX  XXXX XXXX {$3800.00}
Consumer complaint received 2020-03-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (SC)

Previously I got behind with my mortgage due to me being out of work due to me having XXXX. I was behind on my mortgage from about XX/XX/XXXX to XX/XX/XXXX. I paid all of my mortgage in full by XX/XX/XXXX. By XXXX I was current on all missed payments as well as paid all late and escrow fees. The company is still stating I am delinquent as well as reporting it to the credit bureau as me being delinquent which is falsely negatively impacting my credit. All documentation stating payments have been made have been sent in including documentation from my bank to the customer via email. I previously had an issue with Freedom Mortgage stating my checks were not being received and I did stopped payments ( XX/XX/XXXX and XX/XX/XXXX ). Soon as I paid them by phone the next day they attempted to cash both checks which were sent 7-10 days  apart from each other. Payments were made in XXXX and there were several payments made in XXXX. Then to bring me current I made the below payments : XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$760.00} XX/XX/XXXX for {$260.00} ( Late Fees ) XX/XX/XXXX {$16.00} ( Escrow ) XX/XX/XXXX {$760.00} Payments were sent via email via my bank statement. I called today XX/XX/XXXX and was transferred back and forth between representatives acting like they cant tell me anything or know anything. This has become very frustrating especially when a pay history was sent via the mortgage company and all payments were reflecting but the ones prior to the statement being sent. 

I have called Freedom Mortgage so many times I have lost count. I have been trying to sort this issue out since XX/XX/XXXX. 

This has become extremely stressful  and frustrating especially when I made every attempt to become current because Freedom Mortgage would not offer any assistance when I was out of work due to me not having any income coming in.
Consumer complaint received 2023-01-01
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. (LA)

I TRY REACH OUT TO EXPERIAN, XXXX, AND XXXX CREDIT AGENCY ABOUT THIS ACCOUNT REPORT ON MY CREDIT REPORT. 

In accordance with the Fair Credit Reporting Act the list of accounts has violated my federally protected consumer rights to privacy and confidential under the 15 USC 1681. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX, and XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 A 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 accounts without my written instructions.

15 U.S.C 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. 
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Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IL)

XX/XX/XXXX sent disputes letter asking to prove that I owed this debt. 

XX/XX/XXXX Sent method of verification, still no response. 

XX/XX/XXXX Sent final notice to prove that I owed this debt or gave consent. 

XX/XX/XXXX Sent letter stating that I will file complaint if I don't receive an response.
Consumer complaint received 2020-03-18
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. (IL)

I submitted a dispute letter to Transunion regarding unverified accounts listed on my report there response was they could not find either of the two listed as unverified I they are XXXX and XXXX XXXX XXXX  there the same company listed twice only report I am submitted t them both f go there TransUnion for deletion. They claimed they investigated but wrote me back stating they did not hAve t them listed with them I know this is incorrect information by them please review the following. 
I appreciate your help and this dept for there attempt in a resolution Thank you XXXX XXXX XXXX
Consumer complaint received 2022-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica (AL)

I received ssi in XXXX. They deposited money into Comerica. I was supposed to be given a direct express debit. I have not yet received it. Over {$1100.00} is sitting with them and they won't release. They just give me the runaround
Consumer complaint received 2023-01-01
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. (TX)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX illegally pulled the credit more than once for me ( XXXX XXXX XXXX, and daughter ( XXXX ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX  ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX  XXXX  ( never authorized ) and XXXX  XXXX  ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX XXXX  at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of XXXX for me, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a XXXX hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my wife, my daughter and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX Bank XXXX Regardless of that the fraudulent Finance Manager pulled the credit with XXXX unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my daughter.
Consumer complaint received 2020-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (ND)

I have been getting phone calls from Phoenix Financial Services for a few years about a debt for some person that I do not know. When I have answered the phone, they asked to speak to XXXX ( I never know his last name ). I have told them repeatedly that I do not know this person and that they have the wrong phone number. They have continued to call me regardless of me not knowing the person they are trying to contact. They call me about once a day ( sometimes more ). I usually ignore the calls, but today I received a call at XXXX XXXX. I called the number back because I loathe phone calls before XXXX XXXX. I was hung up on and had to call back to speak to someone to tell them AGAIN that they have the wrong number. I received another call from them at XXXX XXXX. This is 2 calls within 4 hours -- after I JUST told them they had the wrong number. I tried to call the number back ( again ) and they hung up on me multiple times before I could even say a word. Their tactics and multiple hangups are absolutely ridiculous. I can't get anywhere with this company to get them to leave me alone. I have blocked the number they call from, but then they just call from another number. I'm tired of this harassment. I want it to stop.
Consumer complaint received 2020-03-18
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. (CA)

THERE IS A XX/XX/XXXX XX/XX/XXXXACCOUNT ON MY EXPERIAN CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NO IDEA WHO THIS ACCOUNT BELONGS TO BUT IT NEEDS TO BE REMOVED FORM MY REPORT. I DID NOT BENEFIT ANYTHING FROM THIS ACCOUNT NOR DID I EVER MAKE ANY PAYMENTS TOWARDS IT.
Consumer complaint received 2020-03-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Perfection Collection (MS)

My compliant is that XXXX XXXX XXXX and Perfect Collection is trying to collect on the same debt at the same time. The two companies have the same address as well which makes me believe these two companies or the same company. I never received all the documentation I requested from XXXX XXXX XXXX. I received copy of a sign contract that was not signed by me! That is not my signature. They are in violation of UCC 5-301 FAILURE TO ENDORSE OR SIGN A PRESENTMENT and FAILURE TO SHOW PROPER AUTHORITY TO ACT ON BEHALF OF ANOTHER. XXXX XXXX XXXX fraudulent account is reporting on XXXX   credit files as Perfection Collection. Duplicate reporting of the same debt constitutes inaccurate credit reporting which is a violation of the FCRA. Perfection Collection is also required to notify me within five days of re-inserting previously deleted item immediately. I do NOT have a contract with Perfect Collection nor XXXX XXXX XXXX. I have also sent several notices stating that their offer to contract is denied as well as ask for documentation showing that account # XXXX is my account. I have yet to receive any documentation from, XXXX XXXX XXXX. Upon searching my records account # XXXX was first place with Perfection Collection the account was disputed and deleted off my credit report. I did not receive a letter of reinsertion of the account to my credit file nor did I receive a dunning letter from Perfection Collection. The account was then purchased by, XXXX XXXX XXXX on XX/XX/2018. After carefully researching I noticed that XXXX XXXX XXXX has the same address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT ) as Perfection Collection had. And I also found out through research that they are reporting this account as Perfection Collection as well as XXXX XXXX XXXX. You can not do this under two different agencies. I have attached documentation of this reporting. I also see from the so-called contract that they sent out, they are attempting to collect, on an expired debt based on Mississippi statute of limitation laws. Perfection Collection has been known to be fraudulent and since XXXX XXXX XXXX is also known as Perfection Collection, they are fraudulent as well!! I think I have provided enough evidence to show you that they have committed many violations of the FCRA.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

About a month or so ago, I was charged a late fee erroneously after signing up for autopay ( which didnt work ). I saw the fee and called to manually pay the statement balance over the phone. This was done, but the employee also paid the late fee. I then had to work to have it reversed. Fast forward to a couple days ago, and Bank of America debits my account XXXX! There was no balance! That is effectively stealing, and while they took it out right away, it will take XXXX business days to put it back in.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/2021 ; XXXX CARD XXXX Balance : {$2300.00}.
Consumer complaint received 2020-03-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (IA)

Never received letter notifying of placement of debt with their office. 
beginning in XXXX : Received repeated phone ccalls from Miss XXXX. 
was told the only way to dipute was foor me to mail in letter. 

XX/XX/XXXX mailed dipute, with attached emails ( 10 pages ) and photos ( 5 ) and copies of adds ( 5 pages ). Included state statute that would make this an illegal debt. 

XX/XX/XXXX : Miss XXXX advised she would reporting me and co debtor ( XXXX XXXX ) to the credit bureau regardless of the dispute. 

XX/XX/XXXX : she advised that she did not care if there was not a judgment or writ, she was turning us in anyway. 

XXXX : letter from company saying dispute was not valid. 

XXXX XXXX calls from Miss XXXX ( called back twice ) XX/XX/XXXX call from miss XXXX XX/XX/XXXX : notified I would not pay, this was not a judgmen, she advised they were reporting to the credit cureau unless and until I pay the balance in full. She sais I would need to sue THEM.
Consumer complaint received 2022-08-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC (ID)

I never received a bill or heard anything from my insurance company. We had just moved and I did a change of address but still never received anything in the mail. I hit my head and took an ambulance ride back in XX/XX/2020. No contact or any type of notification was received and I found out by going to XXXX XXXX and seeing the collection. No attempt to get my insurance was made either.