davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO (FL)

I have had numerous problems with Banco Popular. I have a home mortgage with them. They have sent my payments back into my bank account instead of applying them to my loan payments and they ruined my credit score by several hundred. Had to report them for that. Now they have not reported my XXXX/XXXX/XXXX XXXX mortgage payments on my bank account. The incorrect loan amount is on my credit scores and my bank account. I emailed them every day to complain so I have it in writing and no one will fix the problem. This has been going on since XXXX XXXX. They also never send me my monthly statements, I will get one month then not another. I can not believe this bank is so slow to fix a HUGE problem that is effecting my credit scores. I have the credit bureau also looking into this with disputes but still no reponse from this bank. This bank should be fined, put on probation and monitored for a year. I want all my past monthly statements, my loan amount to be up to date EVERY month and to update all credit bureaus monthly for the duration of this loan. If they can not do this then sell my loan to a reputable bank with all the same parameters remaining.
Consumer complaint received 2021-01-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (WI)

Sometime in 2018 someone unknown to me got a loan with this company. I have disputed this account several times and the company will not remove this from my credit report. I have submitted proof of my identity and a police report.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-23
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. (TX)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2021-08-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (FL)

( Sf/XXXX XXXX ) AT ( XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX  ) The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
Consumer complaint received 2021-08-30
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: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-01-03
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-03
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (NY)

On XXXX XXXX I leased a XXXX XXXX XXXX from XXXX of XXXX XXXX. This transaction was done remotely by their representative XXXX XXXX. I authorized ONE HARD credit inquiry by their company which is their usual process. This is my second car from this dealership and this was the process in XXXX. However, upon checking my credit report I observed MB Conducted TWO HARD credit inquiries, one by the sales representative and two hours later ( according to XXXX ) another by  Mercedes-Benz Financial Services. This second inquiry was done without my KNOWLEDGE or AUTHORIZATION. I know In my heart and mind that this was done because I am XXXX XXXX, they would have NEVER treated a Caucasian buyer with such disrespect. What did they think would possibly change between XXXX when I spoke to the representative and XXXX when I picked up the car. Had I been informed it would take TWO INQUIRIES for this transaction I would not have authorized any. I spoke to their representative XXXX in the sales department and to XXXX XXXX XXXX and was informed that this was the process, but I know it IS NOT. And if something changed I should have been advised of this BEFORE the transaction, not a month later when I observe my credit report has gone down 25 points for this one transaction. TransUnion states it appears as if I was purchasing TWO vehicles. I am getting nothing but the runaround from this company. This is a criminal offense and XXXX XXXX should be investigated for this kind of deceptive business practice.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (DC)

i made hotel reservations at XXXX XXXX live and was given an initial rate of XXXX and was informed that there would be an initial hold for incidentals of approximately XXXX which would be released, however the hold has not b een released in timely manner an d the bank Truist refused to assist but placed the trans action in pending status for an extended time with no set date to relinquish fuds being held
Consumer complaint received 2021-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I received a text from my bank at XXXX am on XXXX XXXX asking about some fraudulent charges. I immediately confirm the chargers were fraudulent. The bank closed the cards. My credit card # was stolen at dinner on XXXX XXXX at XXXX XXXX in XXXX XXXX. I was on in Florida for 24 hrs from XXXX on the XXXX to XXXX XXXX  on XXXX XXXX. On XXXX and XXXX XXXX, while I was in Washington state, purchases were made. 
Charges. XXXX  XXXX XX/XX/2021. {$16.00} : XXXX & XXXX XXXX XX/XX/2021 {$67.00} : XXXX XXXX XXXX XX/XX/2021. {$330.00} : Parking XXXX XX/XX/2021. {$6.00} Bank of America claims to have investigated and holds me responsible for the full amount, despite they caught it first, I immediately reported it as stolen. I believe all charges should be removed from my account. Bank of America refuses to even abide by the consumer protection laws and hold me to the {$50.00} as the law states. 

The attached photos have dates and locations to show where I was on the dates, also a copy of a different credit card statement showing my charge for the Washington state ferries on XXXX XXXX along with a XXXX charge in XXXX XXXX Washington and XXXX XXXX XXXX XXXX for dinner. Also attached is my work flight schedule showing my flight inbound on the XXXX and outbound on the XXXX. I had house guests on the XXXX and XXXX if necessary I can have them attest to my presence at home.
Consumer complaint received 2021-01-03
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-08-30
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: VW Credit, Inc (NJ)

I have this account that is not mine and i want it to be removed. 

XXXX  1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft VW CREDIT INC Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft VW CREDIT Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2021-01-03
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4200.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

3. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.
Consumer complaint received 2019-09-21
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America repeatedly allowed my account to be accessed by people who were not signatories to the account. Bank of America, as is thoroughly documented in court filings, improperly charged fees to my account. As a result of Bank of Americas repeated acts of fraud and negligence, my account became overdrawn. 

https : XXXX Unfortunately, Bank of America refuses to acknowledge its negligence and fraud and instead has decided to put a fraud notation on my XXXX credit report. 

Bank of America insists on blaming me for its own negligence despite admitting in court that issues like mine were demonstrably a result of its own negligence. Bank of America has continued to make fraudulent statements in writing when confronted with an obvious case where it is at fault. Bank of America is recalcitrant and has deemed itself to be the jury, judge and executioner in cases where it negligently allows fraud on its checking accounts and then racks up fees in a very clear cut case of criminal self dealing.
Consumer complaint received 2021-08-30
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CO)

In XX/XX/XXXX, my partner at the time opened a line of credit with XXXX  XXXX XXXX. He added me to the account, because his own credit was not sufficient to open the account on his own. In XXXX, we ended our relationship, but I was never removed from the line of credit. In XXXX, he made a late payment. When I noticed that it was impacting my credit score, I filed a dispute through Experian and was told that it could not be removed from my report. I contacted XXXX  XXXX XXXX and asked to be removed from the line of credit, but because my ex-partner was the primary account holder, they said that removal of my name of the account had to be done by him. I have contacted him several time to have my name removed from the account, and he has not done so. I would like my name off of the account and the late payment removed from my credit report and am unsure how to go about ensuring this happens.
Consumer complaint received 2021-01-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020 I typed and mailed a my second letter to Experian regarding inaccurate and false information being reported to my credit report. After multiple attempts and no responses to my inquiries, it's starting to feel as tho my disputes are being ignored. 611 ( a ) states that a failure to investigate within 30 days gives reason to immediately remove the items in dispute from my credit report. We are now nearing 2 months without any correspondence from this company. I find it rather strange that Experian is the only company reporting these inaccurate account to my report. I am tired of this and I don't understand why!!! I demand these account be deleted ASAP or the next step will be me contacting my lawyer and filing for litigation and seeking damages due to the stress cause by this ordeal. My personal information was also compromised by the XX/XX/XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-01-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Porfolio R.C. Debt Collector violated my right. I have tried to resolve issued directly by requesting to removed debt that was added into BK Chpt. XXXX but, they refused and desisted to wrongfully reported to credit history.
Consumer complaint received 2023-06-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AMERICAN EXPRESS COMPANY (FL)

I did not have money at the time, I asked the representatives for extended payment plan during XXXX XXXX XXXX of my credit cards went to debt collect, and we were in a pandemic, since then we did not have any resource of income or what so ever now I have XXXX credit card in debt collection wont remove from my credit report stuck, and my XXXX XXXX went down all the way from XXXX to XXXX!
Consumer complaint received 2021-01-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (PA)

I refinanced my mortgage through Caliber Home Loans. I worked with XXXX XXXX ( NMLS : XXXX ) to start the process and gather all documentation. I received disclosure documents a week prior to closing which indicated that I would be getting approximately {$2500.00} back at closing. On the day of the closing, I received an email with an updated loan disclosure, which included 50+ pages. I did not have time to review before closing, so I emailed and called XXXX to get a summary of changes. He never got back to me. After the closing, I attempted to contact XXXX ( or anyone else at the company ), but I did not receive a call from anyone. The last minute change reduced my cash back to {$2000.00} and I received no explanation why that happened. 

Additionally, my wife received a piece of mail 5 days after closing that was supposed to have been received 3 days prior to closing. The document is dated one day after the closing. 

XXXX was extremely responsive prior to closing, but went completely missing the morning of the closing. I feel wronged by this inaction and lack of communication and believe that he should be reprimanded for this.
Consumer complaint received 2021-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I have had Capital One Credit card for over a year and half, I have never been last, never had a return fee, always used same bank and account number to pay. As we are in this pandemic and Rhode Island has been on a lock down we where advised to use a credit card and have food delivered to pur house, so therefore we have been making payments alot to this card. But they will hold my money for 8 days because there saying it is a security which I do understand but after explaining and having them do a three way conference call with my bank, they still dont care!!!!! How is this fear? We are paying them, we pay 24 % interst on this card and they hold my money? Even though my bank has confirmed it was released??? Or you talk to another customer service member and they say o sorry we cant call your bank, you have to wait 8 days! To me this is aweful! There liers and they make up rules as they go. This should be considered fraud!
Consumer complaint received 2021-08-31
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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (IN)

I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (FL)

I applied for only one credit card by Chase, nowhere does it say that an application demands 2 inquiries for one credit card. And I discovered that I received 2 inquiries on the same day, one on XXXX  and one on XXXX  report. I was granted the credit card but I wish I knew there would be 2 separate inquiries and I wouldn't apply. I called to ask why that happened and they said they can do whatever they want and they don't have any note saying that explicitly and asked me if I want to cancel my card but they can not remove 1 inquiry. It is just not usual to get 2 inquiries by any company so it was so unexpected and I believe it might have been a mistake or if not, they should mention it before someone applies. I am planning to get a car soon so this is highly inconvenient and totally not necessary, if I knew I would definitely go with a different credit card.