davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (OR)

My complaint is with Truist Bank. 

I opened up an account with his bank. They are not located anywhere in XXXX This blank blocked any access to this specific account. Left my funds in the account and would not allow me to withdraw them. They have asked me to verify my identity, and the only way to achieve that would be to step into a branch and show my photo identification. however, there is no local branch here in XXXX They have told me that this is the only way that I may get this done. I have been bounced around from their XXXX XXXX XXXX  department to their fraud management department to regular customer service. I have spent countless hours on hold with each department. I have been giving solutions with the timelines that have never been met, and yet I am receiving monthly bank statements in the mail every month with my balance, slowly going down due to monthly service fees. This has been going on for a little over a year now. I attempted to open up separate banking accounts with them to try to just do an internal transfer and they gave me access to those accounts that were newly opened, but restricted access to the account that had my money in it. I have experienced extreme financial hardship due to this, and theres been no effort on their end to try to rectify the situation.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AL)

The method of processing debts creates a Hardship on the customer. The bank currently process the largest transaction first, which creates OD fees for all of the smaller transactions. If the smaller transactions are processed first, it would create less OD fees.
Consumer complaint received 2023-05-17
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX Re : Fraud Application Account Number XXXX To Whom It May Concern : This letter comes in response to a fraudulent credit card account opened on XX/XX/XXXX using a fraudulent address of XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX. In response, I have enclosed an FTC Report, original police report that validate my information was compromised during the XXXX XXXX XXXX. 

I request this account be investigated and removed immediately as it is a violation of my rights as a consumer under the FCRA. 

Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I updated my banking account information on XX/XX/2023, prior to making the full payment amount due of {$59.00}. Also On XX/XX/XXXX I received an email correspondence that my payment information had been received. However, Kohls system did not update my payment information and instead maintained the old bank account which had been closed. Therefore, my payment was reversed without my knowledge. Once I received the new statement showing that my payment had been reversed, and there was a late payment And a reporting of a late payment on my credit bureau reports. I immediately notified Kohls and spoke with web support who apologized for the error, and that it would be corrected on my credit report as it was a glitch in the system that did not complete the updated information. Web support investigated the issue and advised that they would ensure that my credit report late payment reporting would be removed and that has not been done even though I have Accessed the system again today updated my banking information again, and ensured that the new account information was accepted and finalized
Consumer complaint received 2023-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (FL)

I BORROWED {$34000.00} FROM GM FINANCIAL ON XXXX GM HAS SENT ME A LETTER STATING MY LOAN TERM IS 61 MONTHS. HOWEVER, MY LOAN TERM IS 60 MONTHS PER CONTRACT EXECUTED. GM HAS NOT RESPONSED TO MY COMPLAINT ON THIS MATTER AND IS ATTEMPTING TO OVERSHARGE ME BY 1 MONTHLY PAYMENT. I WOULD LIKE THIS RESOLVED ASAP BY GM AND EXPLANATION FOR THIS ERROR. I ALSO CONTACTED TH DELAER WHO DID NOT RESPOND TO MY ISSUE!
Consumer complaint received 2023-01-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

I signed up with a Business checking account on XX/XX/XXXX with XXXX XXXX under the Union Bank {$300.00} Checking Bonus flyer that I received in the mail. It was to complete XXXX transactions and make a direct deposit into your business checking account. I first checked in on the XX/XX/XXXX by email and XXXX called me to let me know that he was checking in on it and would follow-up. I didn't hear anything back and followed-up by email on XX/XX/XXXX and he let me know that the promo was 60 days instead of the original 90 days he told me. We went back and forth and said that he would reach to the back end to see if they would approve since he did have the original flyer in his possession. XX/XX/XXXX He called to let me know that it was approved. I waited and followed-up several times by email with no response. I went into the bank and was told that XXXX no longer worked there and was given a phone number to contact XXXX, the assistant XXXX XXXX. I called XXXX and he said that he had to check with the the back office to check with the status. XX/XX/XXXX I was told that it had been approved and I was to send over banking information for the bonus to be deposited into my account. I never received it and kept getting delayed responses. I made sure I followed every instruction that was given and I am still waiting and it's been over a year.
Consumer complaint received 2023-02-21
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: Security Credit Services, LLC (TX)

XXXX XXXX XXXX apartment says I owe them {$15000.00} but Ive never lived there nor applied! I asked for a copy of the original application and it had an entire different social security number on it. Ive constantly tried to get this removed
Consumer complaint received 2020-04-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

I have reached out to Equifax, XXXX, and XXXX on providing proof of the verification of my bankruptcy and have not been provided anything.
Consumer complaint received 2020-04-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Experian, XXXX, and XXXX show this closed accounts as having new missed payments every month. 

XXXX XXXX XXXX XXXX, {$5400.00}, Paid, closed - 52 charge-offs This account was closed and charged off years ago. 

It is not an open account, and should not be reported as having new missed payments every month. 

This is a violation of my consumer rights and an unfair credit reporting practice that prevents me from obtaining new credit accounts and purchasing a home, even though I have no missed or late payments and otherwise very good credit worthiness.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc. (SC)

Carter Young purchased a broken lease debt from the XXXX XXXX, that I don't owe. They claim XXXX dollars in damages and fees. I asked for documentation and proof of damages. None was provided. All they provided was a checklist completed by the property stating money owed and damages. They have no substantiating documents. No original lease or inspection. I do not owe this debt.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 EXPERIAN 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 2022-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I have applied for another card they denied it. Even though I have a good score of XXXX, the Experian denied it.
Consumer complaint received 2023-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (SC)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

As of XXXXXXXX XXXX has reported on my XXXX credit reported account ending # XXXX, in the amount of {$410.00} as a charge off I am asking XXXX XXXX for my consumer rights, I need a copy of the agreement thats signed by the consumer, XXXX XXXX, for the above account reporting on XXXX credit reporting bureau as of XXXXsince I was not given a copy of this agreement, I am asking XXXXXXXX XXXX to send a copy to my address that you reported me to with XXXX credit reporting bureau.I do give my permission to c.f.p.b. to get a copy fo my credit report at XXXX credit reporting bureau.
Consumer complaint received 2020-04-07
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: JPMORGAN CHASE & CO. (CA)

Our Chase Bank Card VISA card and another VISA card were stolen from my wife 's purse on XXXX XX/XX/2020. On XXXX XX/XX/2020 we noticed unauthorized charges being made to one of the cards and immediately notified both banks. The other bank had cought the fraud, and denied purchase attempts after the first one. They reversed the unauthorized charge and issued a new card. Chase did issue a new card, but after a review, determined that we " received benefit from this transaction '' on three unauthorized charges made on XX/XX/XXXX for a total amount of {$19000.00}. We did not receive any benefit. We live two hours away from XXXX XXXX, where the unauthorized charges were made. 
We have communicated with Chase agents twice by telephone. Both times, the agent put us on hold to check something out and then we got disconnected. We have emailed twice to XXXX with no response.
Consumer complaint received 2023-01-06
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. (SC)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2020-04-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Quality Recovery Services, Inc. (GA)

Quality Recovery Services in XXXX Ga has placed a debt not validated or owed on my credit report. 
The debt is unsubstantiated and the amount continues to change. First it was over {$2000.00} and within the last 30 days i have received a letter saying it's now {$1000.00} and change. It was not a settlement offer, just a new amount on a alleged debt that has yet to be shown as valid. 
i want them to stop contacting me and to take this off my credit report. They even went after my son and put it on his credit report and put him in collections.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I opted out of all authorization written, unwritten, verbal, and non verbal Per 15 U.S.C. 6802. ( letter attached ) privacy act 1974.

No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Dear XXXX, Experian There is info on my credit report that is a result of Identity Theft. I did not provide written permission or instructions for the identitified transactions to be reported, on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to being blocked made on the basis of material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Consumer complaint received 2024-04-25
Product: Credit reporting 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. (MI)

On XX/XX/24 I called Trans Union to report fraudulent inquiries on my credit file the representative informed me that I would have to file a police report for these. It is not my burden to do their job. I requested that the fraudulent inquiries be immediately removed as I did not initiate them. I am not jumping through hoops or rings of fire for Trans Union. Maybe you can light a fire under their XXXX to do what they need to do.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-02
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. (TN)

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. XXXX XXXX ( Bank ) XXXX XXXX, XXXX - EQUIFAX XXXX XXXX Miscellaneous ) XX/XX/XXXX - EQUIFAX XXXX XXXX ( Bank ) XXXX XXXX, XXXX - XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX - XXXX
Consumer complaint received 2019-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MD)

I had Chase mortgage for several years. I was current on my payments until summer of 2019. I contacted the Chase to make payment arrangement and later a modification to catch up on the missed payment. An arrangement was made and I made a payment as agreed. The next month my mortgage was sold/transferred to XXXX XXXX. XXXX XXXX started sending me notice that I am 4 months delinquent and in pre-foreclosure. Since my mortgage was just currently obtained by XXXX, there is no way I should be delinquent. Once I called XXXX, they had no record of the modification that was arranged with Chase and thus did not have to honor the payment agreement. I was not notified by Chase that the sell/transfer of my mortgage to another company would thus make me delinquent because XXXX did not have to honor the agreement and would negatively impact my credit score further. I feel railroaded and treated very unscrupulously by Chase Mortgage.