davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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. (NC)

1. My attachment will reflect my dates of inaccuracies 2. illegal showing of my XXXX history 3. Personal information shared without consent 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 Reporting of late payments or transaction history are illegal 15 U.S. Code 1681 ( A ) Your consumer report should not include transactions or experiences, my line of credit and payment history are a record of transactions which is a clear violation of 15 U.S.C 1681 ( A ) ( 2 ) i EXCLUSIONS.

( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CA)

I filed an Identity Theft Declaration claim with Chase Bank dated XX/XX/2020 and followed their directives. Chase opened a fraudulent checking account for deposit of a {$44000.00} fraudulent small business loan they approved. Chase used my personal data from accounts I had with them in XXXX. I filed a report with my local Sheriff 's Department. Chase has been unresponsive to my submittal.

I contacted IdentityTheft.gov and submitted a report. Per IdentityTheft directive, I faxed Chase an other letter on XX/XX/XXXX for a request for Records Pursuant to Section 609 ( c ) of the Fair Credit Reporting Act and dropped a hard copy at the local Chase XXXX XXXX branch. Chase has been unresponsive to my request.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I've been trying for months to get these account removed from my credit report but they coming back as verified which is inaccurate and incorrect. Please see both attachment and refer to XXXX to have these accounts removed. I will also be filing a complaint with the XXXX XXXX XXXX and pursuing legal remedies.
Consumer complaint received 2021-01-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (MO)

Planet Home Lending bought our second mortgage in early XXXX. We haven't made a payment to this mortgage since XXXX when the original lender XXXX was acquired by XXXX XXXX XXXX. XXXX XXXX XXXX forgave thousands of second mortgages ( apparently not ours ) and received government bail out money. 
Now, 11 years later, Planet home lending is calling our note due after buying the debt for XXXX on the dollar. I have tried and tried to communicate with them and they will not put anything in writing. I asked how much they paid for the debt and if they would accept a settlement. 
Instead of replying, they sent an acceleration letter and added 10 years of back payment. 
Our mortgage balance is approximately {$45000.00} and they are demanding approximately {$80000.00}. 

We had to file bankruptcy due to their predatory practice and also due to Covid. Please step in and help us. I am a XXXX veteran with a XXXX child ... .Planet Home Lending is simply taking advantage of us. 

I would like to know how much they purchased the debt for. I would like to settle for {$6000.00}. 

Thank you, XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRUIST FINANCIAL CORPORATION (TX)

I am a victim of identity theft and a fraudulent car loan was opened in my name to obtain credit!!!! The account is not mine and needs to be cleared out and removed from my credit report and regional acceptance system. Its through regional acceptance corporation which is apart of BB & T
Consumer complaint received 2021-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (FL)

When recently checking my credit report I noticed that Focus Receivables Management was on my credit report. I don't recognize what this debt is and where they are trying to collect from. I have not received anything from this company about any potential debt that may be owed and I don't recognize the company they are collecting on behalf of and have never had service with this company.
Consumer complaint received 2021-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (TX)

PayPal said I was able to withdraw the funds from my account on XX/XX/20 after waiting 180 days from my account closure. When I go and try to add a bank account however, it gives me an error ... the money is stuck and I need a way to withdraw these funds.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMERCE BANK (MO)

To whom it may concern, On the date of XX/XX/2021 I XXXX XXXX XXXX am submitting this complaint because commerce bank has taken my stimulus money. The amount of XXXX was taken from me to balance the overdraft fees of XXXX leaving XXXX cent in my account during this time I had submitted a complaint in reference to overdraft fees this is a new and completely separate complaint and it's illegal for commerce bank to take my stimulus money in this situation they should have rejected the payment and the government would have sent me a official check. Now I will get legal services involved free of charge though the CFPB information hotline, veteran affairs, or other means to obtain this money if commerce bank refuses to comply with the complaint resolution I will state in the complaint process. 

Very respectfully XXXX XXXX
Consumer complaint received 2021-01-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-08
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. (CA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On, XXXX add a hard inquiry on my credit reports.

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

On, XXXX XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tsarouhis Law Group, LLC (NJ)

Being sued by a debt collector. The information they sent me is way to much they say I owe. Its in the lawyers collection they are the third party. I did call them and the lawyer was just trying to over talk me and was rude. I know this debt was probably sold for hardy any money. I cant afford d what they want to get out of me. The original credit card did receive money from me. However, the information was sent to me was completely unclear. I asked for a debt valuation letter and it was the same thing from the summons. This is harassment and not true. Im tired of being the status quo. Everybody in America are having in rough. I dont even have enough money right now for a filing fee for my answer to the court.
Consumer complaint received 2023-03-03
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus 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 following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated (KS)

I have tried disputing this charge because I have no knowledge of this bill whatsoever. The company name is CONSUMER ADJUSTMENT CO. Saying that I owe almost {$2000.00} and won't take it off my credit report. There contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX I've tried calling and no one will call me back.
Consumer complaint received 2023-03-03
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. (NC)

Please delete these hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX
Consumer complaint received 2023-03-03
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. (VA)

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 2023-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

Paid bill in full on XXXX ( attached bank statement for proof ) Received a {$30.00} late fee bill. XXXX XXXX XXXX called was told this would be removed. XXXX another bill with additional fees called again would be removed,XXXX looked online not removed, talk to XXXX # XXXX told me all would be removed, XX/XX/XXXX XXXX XXXX XXXX  said she would remove yet another charge of {$1.00} ( that was removed but not {$60.00} ) XXXX XXXX told me I had a XXXX balance. Looked online now have a XXXX   balance. Started contacted by email XXXX I am not getting a straight answer as to why this was not removed after providing proof of my bank statement where bill was paid in full and on time. 
Since I submitted proof and have called and email they are still saying that they are going to notify the credit bureau and I still owe the money -- -which I DO NOT!!
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have sentXX/XX/XXXX, XX/XX/XXXX and Transunion Letters that reported inaccurate information on my credit report, and they have refused to resolve the issue. I have wrote letters for the last 4 months, and there has not been any action taken or investigated. They have reported wrong information on my credit reports, and all three of the credit bureaus are reporting different items.
Consumer complaint received 2021-01-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

Hi there I have opened a premiere checking account in HSBC in XX/XX/XXXX using the following link ; https : //www.us.hsbc.com/checking-accounts/campaigns/premier-checking/? XXXX & XXXX & XXXX The promotion clearly stated that if I open and account until the end of 2020, I would get % 3 cash back up to {$100.00} a month for 6 months. To fulfill this requirement, I have moved my salary payments to this account and I have been getting my direct deposit s to this account since then. I have reached out to HSBC many times and asked about why I am not getting any of my promotion and was told that I didn't click the " right '' link to open a premier account and thus they were not going to give me the bonus that was promised.
Consumer complaint received 2021-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MO)

My car was totaled by the insurance company there were two separate claims. JP Morgan Chase Auto reported my account 30 days late, after they had been notified and completed paperwork to be paid in full for the remaining balance. This significantly dropped my credit score. They refused to correct the error of their ways, and stated it takes 45 days for my account to show paid in full. I was never late one time with a car payment. It did not take 45 days to report me 30 days late. The laws that govern these transactions need changing. I submitted documentation from Chase to XXXX including letters and refunded money for an overpayment to them, they refused to accept my dispute. It was falsely denied by XXXX even after submitting documentation showing the account was paid off in full and the claim was started and completed way before the 30 days past due. My credit score has not been repaired even after they have now shown on my credit report that the account is paid off. There needs to be regulation changes to this industry. It is a scam
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a complaint about my bank : Bank of America, freezing my accounts for 3 weeks. A debt collector contacted them & requested them the submit a payment. Not to freeze because funds paid in full. I was unable to, access my accounts because bank of America couldn't read. The lawfirm faxed the bank 3 times to, release the freeze.
Consumer complaint received 2021-01-08
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: CITIBANK, N.A. (NC)

Dear Sir or Madame ; On XX/XX/XXXX, I placed an order from " XXXX XXXX for trial products resulting in charges of {$12.00} for products and shipping/ handling. I paid the {$12.00}. 
These were the only 2 products I received. 
I was then charged {$94.00} and {$89.00}, on my Sears Citibank credit card, for products I never received. I never placed another order or signed for " auto ship ''. 
I had no way of contacting the merchant, there was not an invoice in the package. This lead me to believe this was a scam and I turned to my credit card company for protection. 
My account, supposedly, was credited for only 1 charge of {$89.00}. ( Unfortunately, I can not find this letter. ) However, the charge of {$94.00} remained on the account. I have addressed this issue in my last 2 letters to Sears Citibank. Citibank told me that they did not receive some information in a timely manner from me, but I sent a letter XX/XX/XXXX that resulted in the recovery of above mentioned amount of {$89.00} only. 
I'm not quite sure how 1 charge can be credited, 1 remain outstanding, and all the late fees still upheld. All for products I never received. I should not have to pay for, or charged with late fees for products that were never received. 
This issue has gone to " collections '' despite my attempts to resolve the issue. 
In my most recent interaction XXXX ) with Sears Citibank, I sent a letter to " Sears MasterCard Recovery Disputes '', detailing yet again this past year 's issues. I am at my whit 's end to resolve the situation. 
I had been a good customer since XXXX, never had a late payment, and now this mess. 
I trust that all charges in this matter, {$89.00} ( if not already done ) and {$94.00}, along with all the late fees associated with these charges will be recovered/waived. 
I appreciate your time and attention in this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NC)

The following 3 Credit Bureaus Experian, XXXX and XXXX stated that the {$65000.00} was the correct amount on my credit report however it was paid in full on XX/XX/2023. I need this paid in full letter corrected on my credit report because I m trying to land a major goverrment contract position which requires a full financial disclosure. Please investigate and authorize the 3 credit bureaus to correct my credit report as soon as possible.
Consumer complaint received 2021-01-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (GA)

I sent a wire in the amount of {$5100.00} on XXXX XXXX from my business account with XXXX XXXX to a subcontractors account at Wells Fargo. He never received the funds. After three weeks of tracing the wire. Wells fargo advised the funds where on hold on their side. They requested documentation from my subcontractor which I have provided. It has been over a week and I have placed multiple calls to my bank who then reaches out to wells fargos wire department and they have gotten no where. I recalled the wire a few weeks back and I still dont have my money!
Consumer complaint received 2021-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CITIBANK, N.A. (MD)

Citibank has been lowering the credit limit on some of my accounts without cause. They send a notice via email stating cause from a credit reporting agency. They lower the limit and then report it to the bureau which affects my scores. The scores drop and they do it all over again. I do not pay late and most cards are on autopay with more than minimum amount. They have done this four times to me in the last 6 months.
Consumer complaint received 2020-09-26
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (PA)

After the COVID-19 pandemic, PA Unemployment issued monetary assistance ( PUA ). This was issued in the form of a debit card ( USBank Reliacard ) managed by US Bank. The card was functioning until XX/XX/XXXX when my account was flagged for fraudulent activity. I was not notified nor did their app/website have any useful information on what to do. My first few attempts to contact costumer service the number on the back of my card would fail every time, after doing research I finally found a number that I could get through to someone. They explained they just needed me to upload documents to verify who I am. After uploading my Social Security Card and State Issued ID to their website and waiting 48hrs ( which is how long they told me it would take to verify my identity ). After waiting the 2days I called back and was informed that my since the billing address on my ID was old I would also need to upload verification of my current address, and so I did and waiting another 48hrs. Upon calling again I was told that they could not view my documents because the file was not in PDF So in order for them to view my documents I needed to re submit my documents as a PDF file instead. Again after 48hrs I called back. This time finding out that I needed to Fax my documents. At this point in time multiple bills I had connected with my Relicard have been declined, I have XXXX XXXX   in which I take care of in need of food, school supplies, and basic essentials. After once again waiting another 48hrs I called back and all I was told is that there was no message for them to unlock my account and that I needed to wait 4-5 business days. When I heard this information I asked to speak to a supervisor who said that he can put in for my account to be viewed faster. Now it is XX/XX/XXXX, costumer Service has been no help, the Supervisor has been no help. There is no email for Reliacard and no other way to contact anyone who could possibly help and/give me information as to why this has happened. USBank has stolen my money, gave false Guarantees and put me and the 2 children I care for in a situation were we can not get access to basic human needs for nearly a month now, during the COVID19 Pandemic.