davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: JPMORGAN CHASE & CO. (IL)

I am being sued over a credit card that i have never had, which company says was opened back in XXXX and closed in XXXX. I was hacked 3 times from XXXX. My internet company was asked 5 times over 3 yrs to change my secuirty key, XXXX XXXX never changed my security key. I had fraud on both my bank accounts in the amounts of around XXXX I have submitted an claim for XXXX and XXXX XXXX! they both were hacked! Also my XXXX card was back in XXXX of this year! almost XXXX. XXXX was hacked too! Had many fraud with that account too! Also XXXX XXXX  on XXXX  ordered a hat and soap which have which now with one of my cards of XXXX Every day is a new surprise in my email! Someone has messed with a XXXX XXXX account that I haven't used in 10 yrs! Someone opened a dept Chase Morgan account! I ll never have had any Chase Morgan account ever! My credit is frozen and has been since XXXX of XXXX My husband has been deseaced for 14 yrs, he had an ex-wife from XXXX. She and her family made our life 's misarable. She had 2 cars repoed lost there family home! But card and fake accounts in my name! She reacived XXXX child soaport and never paid for anything! She died 7 yrs ago and every one who did things with her is dead! I havent seen my step-daughter in 14 yrs, i gave her money to buy a car when her father died, Guess what? she blue the money with her mother, they all got tattoes! This identy-theft has been a Nightmare! Please help me, I ve been trying tofix my credit. My Computor has been scrub twice. I just bought it in XXXX of XXXX! Thank You! 
my daughter 's lab top has no spell ck, sorry! lol!
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY (IN)

I have 2 major complaints. First, for the last few weeks, American Express has been adding XXXX % to retail purchases, whether made on line, or in person at a retail store. 
This is being done by their Bluebird checking account / debit card division. It puts excess personal funds on hold above and beyond the amount of the charge that diminishes, sometimes substantially based on the amount of said type charges, the available funds in my checking account. It remains as such until the charge clears the American Express Bank from the retailer. That's the first complaint. The second complaint involves the Bluebird division of American Express holding credits from retail establishments for 8 days before allowing me to have the money fully available in my account. What is the precedent for this? I will attach a screenshot of this very unethical policy, which I can only assume is geared toward them making money, for your review.
Consumer complaint received 2020-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I have a mortgage with NewRez/shellpoint mortgage. They purchased the loan from my prior lender. I received a letter my terms are the same as originally signed in loan documents. On XX/XX/2020 my homeowners insurance was due. It was NOT paid. I contacted them XX/XX/2020 asking why payment was disbursed from my escrow account that has ample funds to cover the policy Amount. Also let them know the insurance company would need that payment before XX/XX/2020. On XXXX received an email and letter stating they will look into it. XX/XX/2020 I emailed why payment still hasnt been made. They stated they would resolve it and apologized. On XX/XX/2020 I received an email stating they incorrectly were told by prior lender that I pay that on my own- A self admitted mistake. I then said that was not my original loan terms and moreover why would escrow account exist if I pay that myself. The Insurance policy was canceled. And had to be rewritten. Now its just about Doubled in price this year and foreseeable future. Im so irate. Then I get a letter my property taxes has NOT been paid either. I spoke with numerous reps and managers on XX/XX/2020. They state they will cover any overages and fees but need to get okay from another internal department to cover those costs. Its XX/XX/2020 and I still havent gotten a reply. My home is in peril without insurance. They are incompetent and nothing gets resolved. I was told a check was issued to state tax Dept. Yet they cant provide check info or date. Also its not a personal check where its written and funds withdrawal after its cashed. Its an escrow account. Funds are withdrawn from my escrow then a check gets issued. They have put me in such a mess with no answers. Ive filed complaints with XXXX  and their company. I need help to hold them accountable. Thank you
Consumer complaint received 2020-06-16
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: Credit Services Corporation, LLC (TX)

I received a denial for credit notice from XXXX XXXX in XXXX. I registered a CFPB Complaint on it as I never applied for credit with any one this year much less XXXX XXXX. In their response they noted they do the financing for a company called Health Credit Services ( HCS ). XXXX said HCS sent them a request for credit approval on my behalf. I have no idea who this company is and I have had no medical procedures in a year and half and that one is paid for. I have none scheduled this year and owe no hospitals, urgent cares, specialist or doctors of any kind. I have had 2 visits to my Primary Care Provided doctor and those were covered with my copay. HCS had no authority to request XXXX XXXX  to pull my credit.
Consumer complaint received 2020-08-08
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: CITIBANK, N.A. (VA)

I am in the process to obtain a new vehicle loan. Based on my recent credit report, I have an account reflecting that is not mine. I was listed as an authorized user by my husband without my authorization.
Consumer complaint received 2020-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (CA)

The reason that I am writing, is I bought a car at a 30 % interest rate because I could pay large amounts and because the dealer assures me that I could refinance within 6 to 12 months. Santander Consumer Bank, the lender, doesn't give you the proper information to make an educated decision as a consumer. Case in point, I owed XXXX, and I paid {$1000.00}, that left me a balance of XXXX but that balance was disclosed the next day. So that same next day I sent in a payment of {$100.00}, only to find out the following day that {$8.00} had already been assessed in interest, leaving me with a balance of {$10000.00}, when I was expecting a balance of {$9900.00} or so. The problem here is that when you make a payment, the bank doesn't communicate upfront what goes to principal, and what goes to interest, so I was deprived of making a sound decision, ( sending {$1100.00} to begin with ) because the bank controls the information related to the amount of money that they are charging me and when, and delays responses in order to accumulate more interest. If you compound this with the dealer giving me completely inaccurate information regarding refinancing within the time frames communicated, it is evident that something is very wrong here. I am fortunate that I can produce an amortization table, so I can see the numbers and what is going on, but imagine those who cant. I never expected that I would have to produce my own to keep the bank honest because I thought they had a fiduciary duty to the borrower.
Consumer complaint received 2020-08-08
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: Experian Information Solutions Inc. (NJ)

XX/XX/2020 I called because I had received a letter stating that I was delinquent by {$0.00} and owed {$0.00}. I had gotten many calls and emails so I finally called and asked what was going on. The first cs agent told me I was fine, the second one stated that I did have a bad balance. So I immediately made a payment. Then this didn't work. I had to call again, after receiving another similar letter. I spoke with a supervisor, XXXX, she apologized and said that all I have to do is make a payment to correct the problem, send an email to the credit department and she will get it corrected, this was XX/XX/XXXX, XXXX we are now in XXXX, and there is no resolution, in fact they are being argumentative about the whole thing. I want my credit fixed immediately. They made an error and are refusing to accept their part of the responsibility. We had near-perfect credit before they did this to us.
Consumer complaint received 2020-08-08
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: EQUIFAX, INC. (NJ)

XX/XX/2020 I called because I had received a letter stating that I was delinquent by {$0.00} and owed {$0.00}. I had gotten many calls and emails so I finally called and asked what was going on. The first cs agent told me I was fine, the second one stated that I did have a bad balance. So I immediately made a payment. Then this didn't work. I had to call again, after receiving another similar letter. I spoke with a supervisor, XXXX, she apologized and said that all I have to do is make a payment to correct the problem, send an email to the credit department and she will get it corrected, this was XX/XX/XXXX, XXXX we are now in XXXX, and there is no resolution, in fact they are being argumentative about the whole thing. I want my credit fixed immediately. They made an error and are refusing to accept their part of the responsibility. We had near-perfect credit before they did this to us.
Consumer complaint received 2020-08-08
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. (NJ)

XX/XX/2020 I called because I had received a letter stating that I was delinquent by {$0.00} and owed {$0.00}. I had gotten many calls and emails so I finally called and asked what was going on. The first cs agent told me I was fine, the second one stated that I did have a bad balance. So I immediately made a payment. Then this didn't work. I had to call again, after receiving another similar letter. I spoke with a supervisor, XXXX, she apologized and said that all I have to do is make a payment to correct the problem, send an email to the credit department and she will get it corrected, this was XX/XX/XXXX, XXXX we are now in XXXX, and there is no resolution, in fact they are being argumentative about the whole thing. I want my credit fixed immediately. They made an error and are refusing to accept their part of the responsibility. We had near-perfect credit before they did this to us.
Consumer complaint received 2020-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (CA)

On XXXX Synergetic Communication, Inc. contacted me by U.S. mail with a demand letter for payment of a debt of {$6000.00} that does not belong to me. The debt is from a credit card company named XXXX XXXX. This debt is from the result of Identity theft, where my personal identity information was stolen and used without my consent. I am disputing the debt of {$6000.00}, because it does not belong to me and was a result of Identity theft.. I am not paying this debt because it does not belong to me.
Consumer complaint received 2020-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

TRANSUNION FILE # : XXXX So due to an active ID Theft alert on file, I can not upload supporting documentation in order to support my dispute for fraudulent activity and reporting on my file. 

Please see attached to have fraudulent collection account XXXX XXXX - {$1000.00} OPENED XX/XX/XXXX removed from file as well as inquiries that I did not authorize. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have attached my FTC Report to support this dispute.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

2 Bank of America Credit cards were settled and paid on XX/XX/XXXX in the amount of {$5000.00} and {$4000.00}. Debts still show as derogatory and need to be removed from my report. 

XXXX  XXXX XXXX debt was settled in full on XX/XX/XXXX. This debt needs to be removed from my credit report as well.
Consumer complaint received 2020-08-08
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: MONEY SOURCE, INC., THE (NJ)

XX/XX/2020 I called because I had received a letter stating that I was delinquent by {$0.00} and owed {$0.00}. I had gotten many calls and emails so I finally called and asked what was going on. The first cs agent told me I was fine, the second one stated that I did have a bad balance. So I immediately made a payment. Then this didn't work. I had to call again, after receiving another similar letter. I spoke with a supervisor, XXXX, she apologized and said that all I have to do is make a payment to correct the problem, send an email to the credit department and she will get it corrected, this was XX/XX/XXXX, XXXX we are now in XXXX, and there is no resolution, in fact they are being argumentative about the whole thing. I want my credit fixed immediately. They made an error and are refusing to accept their part of the responsibility. We had near-perfect credit before they did this to us.
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

My checking account was POSITIVE when I was accessed below three fee ( s ) which is in my opinion way way too high. The fee was recently increased to {$37.00} from {$30.00}. I sent bank message from my bank account they never got back to me. 

SEE ATTACHMENT XX/XX/20 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} XX/XX/20 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} XX/XX/20 Fee Overdraft ( 1 At {$37.00} ) |eNotice - {$37.00} COVID-19 pandemic I am currently unemployed along with 40 million other folks, any relief at this time would be greatly appreciated. Thank you
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

On XX/XX/XXXX, XXXX ( Department of Education Loan Servicing ) submitted an update letter to the three major credit reporting agencies : Experian, XXXX, and XXXX ; informing them to " REMOVE '' the 15 XXXX XXXX XXXX being reported on my credit report. Over the past year, I have further, disputed this incorrect reporting with XXXX  on XX/XX/XXXX ; XXXX and Experian on XX/XX/XXXX, XXXX and to no avail, these loans continue to be reported by all three reporting agencies on my credit report as of XX/XX/XXXX. The company ( XXXX ) and I, have exhausted our legal remedies in regards to this incorrect reporting.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/XXXX, XXXX  ( Department of Education Loan Servicing ) submitted an update letter to the three major credit reporting agencies : XXXX, XXXX, and TransUnion ; informing them to " REMOVE '' the XXXX XXXX XXXX XXXX being reported on my credit report. Over the past year, I have further, disputed this incorrect reporting with Equifax on XX/XX/XXXX ; TransUnion and XXXX  on XX/XX/XXXX, XXXX and to no avail, these loans continue to be reported by all three reporting agencies on my credit report as of XX/XX/XXXX. The company ( XXXX ) and I, have exhausted our legal remedies in regards to this incorrect reporting.
Consumer complaint received 2020-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY (FL)

TD Bank keeps going into my XXXX  XXXX credit cards and withdraws {$25.00}. They are not authorized to do this. What gives them the right to go into my two credit cards and take {$25.00}. This is causing a problem for me and I want this solved.
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

2 Bank of America Credit cards were settled and paid on XX/XX/XXXX in the amount of {$5000.00} and {$4000.00}. Debts still show as derogatory and need to be removed from my report. 

XXXX XXXX XXXX debt was settled in full on XX/XX/XXXX. This debt needs to be removed from my credit report as well.
Consumer complaint received 2023-05-28
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION
2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-27
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: U.S. BANCORP (TX)

I noticed a pull XX/XX/23 on my XXXX report today. I called XXXX. After 39 minutes I hold, they said I need to call the company. I called XXXX. They gave me a different number. I called the other number. They hung up on me after I asked them politely about the pull I did not authorize and obtaining a letter of deletion. I did not authorize this pull and need them to provide a letter of deletion to remove it from credit reporting. 

I also had an inquiry from US Bank I did not authorize. I was unable to get in touch with them by phone.
Consumer complaint received 2020-06-16
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. (FL)

There is an account on my credit report twice. The account is XXXX XXXX XXXX XXXX XXXX. One for {$35.00} and the other for {$65.00}. I have no knowledge of this account. But it's on my credit report twice. And another this is XXXX XXXX needs to be removed from my credit report. it's an old account.
Consumer complaint received 2022-04-16
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: EQUIFAX, INC. (NC)

I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, and so on.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2020-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NY)

On XX/XX/XXXX, I XXXX XXXX noticed a new debt collector ( I C System inc ) on my XXXX credit report for {$540.00}. I immediately contacted the original creditor ( XXXX ) to inform them that I have been XXXX  since the beginning of XXXX and was released on XX/XX/XXXX. I have no knowledge of this credit nor did I approve a credit with XXXX