davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on 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 and 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 which is being posted to my report. 
Here is the list of items which 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} 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 XXXX business days after the date of receipt.
Consumer complaint received 2022-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021 - I made a purchase at Amazon.com with Amazon Credit card by Chase " XXXX XXXX XXXX XXXX WA XXXX Order XXXX '' On XX/XX/2021 this item was returned ( prove of return can be provided ) Since that process going back and force between me, Amazon and Chase bank : Put amount of {$69.00} on dispute several times, constantly calling Amazon.com and Amazon Chase Credit card : One month They give me money back, next month take money back and add late fee charges on top Spoke with different people from both side - and finally got an answer : 1. From Chase Bank They will not credit me back with {$69.00}, but will wave all late fee 2, From Amazon They Provide me with an email what stands that merchandise was properly returned to Amazon and money was issued to my Amazon XXXX XXXX card for {$69.00} on XX/XX/2021 what else should i do to get my own money back?
Consumer complaint received 2020-04-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I opened a checking account with Santander Bank in XX/XX/XXXX. Bonus of {$220.00} would be paid after requirements are met. I RECEIVED {$170.00} Bonus on XX/XX/XXXX. I called them and they said they would sort it. This did not happen. 

Also on the XXXX XX/XX/XXXX me and my friend who refereed me to Santander should receive {$50.00} each per there bonus offer. This will need addressing if we have not received it by then.
Consumer complaint received 2020-01-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC (TN)

Advance Financial auto drafted around {$2000.00} from our accounts AFTER we revoked their authorization to do so. We can no longer pay our mortgage or our bills. We need help fighting back against this company
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: B9, Inc. (NC)

B9 is charging a XXXX XXXX for an " XXXX XXXX XXXX '' for using my b9 debit card to add money to XXXX  or XXXX XXXX. This has cost me nearly {$200.00} in " external wallet fees '' since I opened my account them. 


XX/XX/XXXX - {$8.00} XXXX XXXX- {$16.00} XX/XX/XXXX - {$19.00} XXXX XXXX {$6.00} XX/XX/XXXX {$10.00} XX/XX/XXXX, {$2.00} XX/XX/XXXX. {$1.00} XX/XX/XXXX, {$19.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} XX/XX/XXXX {$7.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$6.00} XX/XX/XXXX {$0.00} XX/XX/XXXX, {$9.00} XX/XX/XXXX {$8.00} XX/XX/XXXX {$1.00} XX/XX/XXXX {$3.00} XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} ( not a duplicate ) XX/XX/XXXX {$9.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$6.00} This totals to {$180.00} in EXTERNAL fees for adding a balance to my apple wallet/cashapp. 

In my cardholder agreement it stated the effective date was XX/XX/XXXX, but the external wallet fees started for me in XX/XX/XXXX. 

XXXX also charges a monthly fee of $ XXXX. I am being charged $ XXXX mo since XXXX. Before that, it was {$10.00}. Since opening an account with them, I have paid {$200.00} to use their service.Year to date, my fees have been almost {$400.00}. 

I feel like this is illegal.
Consumer complaint received 2020-06-14
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. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today isXX/XX/XXXXand I still havent heard back from these companies.
Consumer complaint received 2022-11-06
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I paid off one of my loans with XXXX in the amount of XXXX. I submitted an online dispute multiple times and my results I get back is updated with the same amount. I have sent proof of payment to Equifax and confirmation number to XXXX and they all denying the fact that I made this payment to have this balance removed from my credit report. I dont know who they are contacting to verify my payment but its not XXXX. Ive called XXXX and they havent received any request from the credit companies about my account. I need this resolved because the minute Im on any payments there is an instinct update but the minute I pay off a loan they are clueless and dont want to update the correct information Im stating and sharing with them.
Consumer complaint received 2020-04-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: STATE FARM BANK, FSB (NV)

XX/XX/XXXX My vehicle which was bought in XXXX was refinanced by State Farm Bank, I do make my payments electronically without any skips and after finishing my payments last month, this Bank has brought another bill of {$2500.00} to pay because the price of the vehicle is different from the place where it was financed which doesn't sound right .All the calculations were done by you the financiers and I'm suppose to finish my payments last month so why should they bill me extra and where is this money going? 
Moreover they're asking me to pay it within a specific time frame other than that they're going to add an extra 9 % interest to it .I feel very bad for this Bank because what They're doing doesn't sound right to me.
Consumer complaint received 2023-05-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I Have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-14
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. (CA)

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

On XX/XX/XXXX I received an email alert from XXXX XXXX that one of my accounts had been closed. When I looked into it, I learned that Bank of America had closed my credit card because I was labeled as " Deceased ''. I immediately called Bank of America, where they confirmed that they did close my account due to receiving a notice that I was dead. I explained that I was not deceased ; however, I am the trustee for my aunt and that she had passed away XX/XX/XXXX. We have her trust account with BoA and clearly, they mistook her for me. After proving to the Estate Dept at BoA that I was who I said I was, and that I was clearly not dead, they reopened my credit card. 

Now I find that are problems with all of my credit reports because of their mistake. So much of a problem, that I can not even access my credit scores through XXXX XXXX because my " information does not match credit reporting ''. 

My aunt was never associated with my credit card. We have completely different names. She has never lived in XXXX, nor have I ever lived in XXXX. Different birth dates, different social security numbers - Clearly Bank of America did not do their due diligence before making the decision to close my account and subsequently ruin my excellent credit rate!
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2023 :
Consumer complaint received 2020-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX Transunion & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XXXX/XXXX/202 and I still havent heard back from these companies.
Consumer complaint received 2020-06-14
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: EQUIFAX, INC. (LA)

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax XXXX & XXXX. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/XXXX and I still havent heard back from these companies.
Consumer complaint received 2020-04-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NV)

I informed this company that it was a fraudulent account, showed them that the account was removed prior to it being given to a collection agency. 

They responded with an itemized invoice, and billing statements - which serves no purpose. If the account was fraudulent, it being used has nothing to do with it being fraudulent. 

The account was also blocked from all bureaus, CFPB, In XXXX of 2019, FCRA 605b.
Consumer complaint received 2023-05-27
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. (CA)

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I had received forbearance on my student loans through XXXX, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, XXXX must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/2019 as well as XX/XX/2019 through the current date, and have letters and documentation from XXXX indicating such. Despite trying to work with XXXX  multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.
Consumer complaint received 2023-01-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: State Collection Service, Inc. (PA)

I never received noticed from XXXX about the warning to forward to collections. I never was warned that it would be sent to collections when it was. I use the app to pay what I can on it and my recent payments were in XX/XX/2022. I was paying what I could and it just got sent to collections without notification?
Consumer complaint received 2020-08-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (MI)

On XX/XX/XXXX, I was in dire financial need and took a loan out from Net Credit in the amount of {$3200.00}. Paying twice a month, I have made 19 payments of {$100.00} and 1 payment of {$38.00} for a total of {$2100.00}. Each month, I make payments on the XXXX and XXXX XXXX of the month each month. I was XXXX with work because of COVID in XX/XX/XXXX and as of XX/XX/XXXX am still furloughed. 

As of today, XX/XX/XXXX I still owe {$2700.00} with a payoff amount of {$3000.00}. I called to ask what the payoff amount would be, with the intention of paying the remainder of my loan off. When I found out that I still owe almost as much as I borrowed a year and 20 payments later, I was really taken off guard. They were unwilling or unable to find a payment amount less than the amount outlined above. 

I would like to pay the loan off, but am unable to do with the amount they gave me. If I could pay today, I would be paying a total of {$5100.00} off of an intial loal of {$3200.00}. 

WIth the scheduled payments I currently have of {$100.00} twice a month, according to Net Credit, my final payment would be on XX/XX/XXXX and I would have paid a total of {$6200.00}.
Consumer complaint received 2020-08-04
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. (NY)

Equifax continues to keep me lock out of my report. I am unable to login to myequifax.com. They are also reporting an account that does not belong to me and I can't dispute the information without logging in.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I had received forbearance on my student loans through XXXX, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, XXXX must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/2019 as well as XX/XX/2019 through the current date, and have letters and documentation from XXXX indicating such. Despite trying to work with XXXX multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.
Consumer complaint received 2020-08-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (FL)

Amerihome, Mortgage Company notified me on XX/XX/XXXX about my home insurance expiring on XX/XX/XXXX and wanted a renewal policy. I called XXXX XXXX, current home insurer, about my policy. They had sent a renewal policy, but the address was wrong due to the mortgage switching between 3 companies in the first year. I gave XXXX XXXX the correct address, and they mailed it again. I got an email from XXXX XXXX on XX/XX/XXXX about not receiving payment from Amerihome. I contacted Amerihome about the problem. They said a renewal policy was not received. I called XXXX XXXX and got a pdf copy. I then uploaded the document to a website Amerihome told me to use. I got a message today, XX/XX/XXXX, that Amerihome has still not paid the home insurance policy and would be canceled on XX/XX/XXXX if not paid. I looked online at Amerihome and {$560.00} was taken out of my escrow account on XX/XX/XXXX and states the insurance policy is good through XX/XX/XXXX. I called XXXX XXXX and notified them that money was taken from my account to pay the home insurance bill. They stated that they never received any payment. I called Amerihome, and they stated they sent a check to the XXXX XXXX main office in XXXX, GA. I contacted XXXX XXXX to contact the main office. XXXX XXXX called me back and told me that no check has been received by the main office. I called Amerihome, and they are not willing to do anything else until 30 days after XX/XX/XXXX.
Consumer complaint received 2020-04-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Recovery Services, Inc. (TX)

Collection agency unwilling to provide written documentation proving ownership on account despite multiple written/certified requests. Notice of collection dated XX/XX/XXXX received. Written response indicating no knowledge of or relationship with creditor requesting copies of signed work order and/or signed receipts equaling XXXX sent XX/XX/XXXX. No response received. Collection placed on credit reports on or about XX/XX/XXXX effective dated back to XX/XX/XXXX. Additional written response indicating no knowledge of or relationship with creditor requesting copies of signed work order and/or signed receipts equaling XXXX sent certified mail on XX/XX/XXXX. Signed for by XXXX on XX/XX/XXXX at XXXX XXXX. Still no response received.
Consumer complaint received 2020-04-14
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. (FL)

I recently checked my credit report and had some accounts that I have never seen before. It says XXXX XXXX and a XXXX XXXX   neither of which I have done business with. I believe these accounts have been obtained fraudulently and someone committed identity theft with my information.
Consumer complaint received 2023-05-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was charged by Bank of America an incoming wire transfer fee when it was already paid for by the outgoing bank. They are not helping me with this saying its always a fee charged whenever incoming transfers are there but the fee was already paid from the other bank. This is solely the problem from BoFAs system. 


These are the dates of my wire transfer fee taken by BofA which were already paid for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX