davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

XXXX of my checking accounts was the victim of repeated fraudulent withdrawals. Therefore, I asked that the account be closed and advised that no further withdrawals should be made from the closed account. The account was closed, at least I was told that it was closed. About XXXX weeks after it was closed a check written on the closed account was presented. Instead of rejecting the check, Wells Fargo took money out of my new replacement account. The transaction was fraudulent. i reported this on Friday XX/XX/XXXX. I have been to my branch XXXX  about it. i have spoke to the branch XXXX or XXXX more times. I have been told that the fraud department is investigating and will contact me within XXXX hours. I have not been contacted by anyone.
Consumer complaint received 2019-12-21
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have two inquiries from Capital One on my credit report for XX/XX/19 & XX/XX/19. These are fraudulent inquiries. 

Also there should be no security freeze, fraud alert, or any type of similar security measure on my credit report. Remove everything that will freeze or delay a credit application being accepted. 

I have let XXXX  know but they have not removed them, instead they sent me info to send in my proof of social and address. 

I did this and still nothing happened.
Consumer complaint received 2023-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (AZ)

I had an old medical debt at XXXX XXXX XXXX in XXXX  XXXX, Kansas. They sent the debt to XXXX and XXXX. I paid it on XX/XX/XXXX. Just after XXXX, a new company called Ability Recover Services reported the same old hospital bill that I paid off as a new debt on my credit report. I disputed it with my credit reporting agencies and XXXX of them has already removed the collections from my report, but the other XXXX haven't. I've called them 3 times and can't get them to stop doing this. I just got off the phone with them AGAIN because at XXXX, I got an email that they'd put this debt back on my credit report after just getting it removed again. Now I've had enough! I don't owe this debt and I'm not about to give them money. I paid what I owe. This is illegal. They know I don't owe that debt and they keep coming after me trying to milk me out of money I don't owe. They know I'm trying to buy a house and they just destroyed any hope I have of doing that now. I want this company to get what's coming to them in the form of a fine. They shouldn't be doing this to people.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MT)

A united, explorer mileage plus card was opened up through Chase Bank. It was opened up in my name, fraudulently using my mothers, maiden name, and my Social Security number.
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (OK)

3 months in a row, I mail payment 1st week of month, 3 day postal trip to XXXX XXXX payment center, them my payment just sits there for weeks before being applied to account.

Company consistently blames USPS for poor service. Co. says that they would NEVER delay payment just so that they can charge fees and deny credit availability at Christmas. But that is EXACTLY what they are doing.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX and Experian is reporting incorrect information on my credit profile. I have reached out on several occasions to have information removed but issue hasnt been resolved. 

XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (AZ)

I believe this was a result of XXXX XXXX in XXXX, California, I paig my bill in full, almost {$1500.00} before I left XXXX. This was paid off at the front desk in their office using a credit card. As for the dates, I have no idea but I left XXXX on XX/XX/2014. 
Now, I'm sick and tired of every credit bureau, every complaint department ALWAYS being in the right - this was paid off and I will not pay it again.

Rash Curtis bought an account that was not correct and that's their issue, NOT mine. It's XXXX  how everyone makes the consumer the responsible party to an issue that should not have gotten to this point. I'm fed up with this collection and I want the bogus complaint removed from my credit report TODAY
Consumer complaint received 2019-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from TransUnion. It indicated that a credit inquiry was made. ( XXXX XXXX, XXXX ( XXXX ) XXXX ) However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. 
Please forward any documentation that you may have in regards to the removal of this credit inquiry. 
Conversely, should you find that I am remiss and my authorization was in fact obtained for making this credit inquiry, I would appreciate any such documentation of that. 
Thank you for your prompt assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2019-12-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

This company is charging me {$190.00} for ER services with Florida hospital that were paid by insurance. I have been trying to get it removed and every time I do, they update the dates. This was back in XXXX and now it says it is from XXXX and we have not been in the ER since XXXX. My son was covered under medicaid at the time and the insurance would have paid this. I would not have seen a bill for it. They are rude, unhelpful, discriminatory, and just plain mean in the matter when you call to discuss the issue. They will not send me the original bill or collection.
Consumer complaint received 2023-07-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IN)

Today I noticed that there is a transaction on my bank account for a PayPal payment of {$50.00} that I did not authorize was sent to muetixjaco. I had not logged into my PayPal account in months, and I did not authorize any transactions. I reached out to the company and filed a dispute. Within XXXX minutes. I received an email stating that they closed my dispute and found no error. I have since tried to get in contact with them and can not.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After getting a full credit report for all three credit agencies TransUnion, XXXX and XXXX, I noticed that some items were not on my credit report and also XXXX has not updated my credit report since XXXX when it comes to my credit cards missing information. My transUnion report shows that I am an authorized user of XXXX XXXXXXXX Reported : XXXX XXXX, 2023 for a credit line of {$1200.00} and 19 years and 3 months. But this account is missing on my XXXX and XXXX credit report.
Consumer complaint received 2024-03-20
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: EQUIFAX, INC. (AZ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America withdrew {$1700.00} from my checking account. Giving me a credit of {$1700.00}. On XX/XX/2019 I called to request a full refund since my balance was {$0.00}. On XX/XX/XXXX Bank of America states a refund was issued to my checking. My bank said Bank of America did not refund any funds to my account. 
I have called Bank of America and each time I am told I have to wait. Today XX/XX/XXXX I am still waiting and each day since Bank of America said a credit will be issued it hasnt. When I call them they say they need more time.
Consumer complaint received 2019-12-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (IL)

To whom it may concern : Please be understanding as to why I am writing this complaint relevant to Amerihome Mortgage. I applied on XX/XX/2019 for a loan modification for XXXX XXXX XXXX XXXX XXXX IL XXXX. My name is XXXX XXXX XXXX. I complied with every document they have requested they are stalling in allowing me an answer. My daughter and her XXXX minor children are living with me and my husband. Daughter XXXX XXXX has a XXXX  XXXX XXXX and a XXXX  XXXX XXXX  before she could be on the XXXX XXXX  list she had to be in a stabled home after she lived with me I requested for a modification. I also applied for Chapter XXXX to save the house from being in foreclosure I can not afford XXXX a month along with the up keep of the property. The property has needs in order to live there I am asking for someone to question Amerihome and let me know whats keeping and taking so long each week they are requesting the same information over and over again. Please help me I do not want to lose my property. I am complaining on how this problem is being handled also my husband have a history of 5 people XXXX. I need this modification please help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I reviewed a copy of my credit report and I noticed that there are unauthorized fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. I have provided a copy of a FTC REPORT, California state drivers license, and a copy of social security card. Please use the laws and codes that all credit reporting agencies are bound to follow by law as listed and explained below. I dont take my rights being violated lightly but a serious matter.

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2019-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a balance of close to $ 10k with Capital One. When I paid it all in full they blocked my card and asked me to fax them my bank statements. I did not want to go through all that hassle just because I paid my balance in full, so I asked them to close my account. 
At this point I have a final bill from them for the last months charges, however they dont allow me to redeem my rewards points. 
Basically after closing the account, they expect me to pay what I owe them, but they dont plan on giving me my points.
Consumer complaint received 2019-12-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (GA)

American Express has two debts of credit of {$930.00} twice with two different account numbers for the same authorized user on my account. My account also has XXXX which is the only balance. I just found out about it after a year on XX/XX/19. I always transfer out of the United States with the first person that doesn't understand XXXX. I always have to ask the rep to transfer back to America. I asked them, to take it off immediately. Once transferred back to the United States, I was told it from another rep that I could not be taken off until they report to the credit b. report or 10 days after the backup team views the complaint. I was not told if that was business days. The card was never activated for the authorized user and his second card never came. Thank goodness there were not any purchases. This is why I don't understand why the credit b. put it on his credit report. This has reflected report account has been negative for almost 2 years giving him a spending rate of 38 %. Also, it has not allowed him to get an increase in credit because lenders don't like to like to see too many accounts opened within a year. He never opened an account with American Express he was just an authorized member. 
People, please watch or teach your young people to monitor there credit.
Consumer complaint received 2019-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

From XXXX XXXX, XXXX to U.S. Dept of Education, from XX/XX/XXXX until I stopped paying in XX/XX/XXXX. Initial amount was confusing, as there appear to be 3 different amounts that all had the same account number.

Have attempted at least 3 different times to file a dispute with credit reporting agency. Each time they say the amount in question is correct, according to company. This is NOT INVESTIGATING my claim that this student loan is currently being paid by my daughter, and thereby SHOULD NOT BE even on my credit report!

The reason this was initially on my credit report was that I co-signed for my daughter 's loan. She initially defaulted, so I began making payments in I believe XX/XX/XXXX. After realizing she had begun making payments through another organization, I stopped paying and attempted, without success, to remove this loan from my credit report. 

Another issue involves the fact that each time this loan is closed and moved to another lender, thousands of dollars in fees are added to this initial amount. This will never be paid, as the entire scam should be illegal. I am sure that hundreds of thousands are in similar circumstances ; that consolidation loans do not properly outline what is going on when decent people attempt to begin to pay lawful obligations. This practice has to stop before people would be interested in paying what they honestly owe.
Consumer complaint received 2019-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

I got a copy of my credit report and wanted to dispute some accounts. I sent a letter to Equifax disputing the bankruptcy and XXXX XXXX Card Services on my report on XX/XX/2019. I was disputing them according to Section 609 ( a ) ( 1 ) ( A ) -Equifax is required by law to verify through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report. They failed to provide Verifiable Proof ( as original Consumer Contract with my Signature on it ) Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed on the dispute. I received a response from Equifax on XX/XX/2019 stating that they verified all accounts and the items is being reporting correctly.. I did not agree so I sent a second letter to Equifax on XX/XX/2019 requesting they show proof, because they had not provided me a copy of ANY original documentations required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I got no response from them. So I sent them no response letter on XX/XX/2019 because it has been more than 30 days and I had not received a response. I received delivery confirmation that Equifax received my letter on XX/XX/2019. In accordance with.1629 ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau. I requested that they immediately delete the disputed information from my credit report. I got a response on XX/XX/2019 from Equifax and the unverified accounts still was on my credit report. So I sent another letter to Equifax on XX/XX/2019 disputing this bankruptcy. I filed a complaint in XXXX and some of the accounts were removed but not all of them. I am filing another a complaint because it seems that is the only was Equifax takes action. I would like the bankruptcy and the XXXX XXXX Card Services deleted from my credit report and taken off my account immediately. I have attached the last three letters that I have sent to Equifax even the letter when they did not respond in 30 days.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION (GA)

I went to Truist Bank to open a business account and was approved. A few days later i went back to apply for a business Credit card, I gave XXXX and other information. Later i received a letter in the mail saying I was denied my business credit card with no reason given. Along with a letter saying they are closing my business account with no reason given.
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (CA)

I'M FILING A COMPLIANT BECAUSE THERE IS AN ACCOUNT AFFECTING MY CREDIT THAT IS PART OF MY IDENTITY THEFT CASE AND EQUIFAX IS STILL SHOWING IT BUT XXXX AND XXXX REMOVED IT ALONG TIME AGO