davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-31
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. (FL)

Regarding : XXXX # XXXX discrepancies Each credit bureau is reporting different account information for the same exact account. The information in my credit file is erroneous and I want it removed immediately. I did dispute this information and I have not received any evidence of this alleged account information.
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK (OH)

DISCOVER CREDIT CARD HAS DECRESSED MY CREDIT LIMIT FROM {$2700.00} TO {$1300.00} DUE TO INACCURATE INFORMATIOM PLACED ON MY XXXX   XXXX XXXX. FROM FRAUDLENT CREDIT CARD INFORMATION REPOTED BY OTHER CREDITORS. WITHOUT INVESTIGATION OR DUE DILLGENCE OF THE CREDIT INFORMATION BEING REPORTED?.
Consumer complaint received 2020-02-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CB1, Inc. (MT)

I have a verbal agreement with the manager of the company in front of his lawyer of XXXX a pay period, I tried to make the payment for this pay period on their website as I have done since XX/XX/2019 after the agreement and it won't let me make the payment, the website says the XXXX is less than the agreed upon amount, I have received no notification from them that I can no longer only pay XXXX a paycheck. I feel this is an unfair practice to make me miss a payment so they can sue me. I have tried several times to make the payment and it won't go through.
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

For starters I do not owe this company any money nor have I ever done business with this company. For two how is this company attempting to collect dent on behalf of another company? it is against the FCRA to collect on a debt that first of all is not true. 
I have not done business with this company. XX/XX/2020 I contacted this company asking them to send me proper debt validation and they have yet to do so. I am demanding that this company remove this account from my credit reports at once, it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. While I prefer not to litigate and contact the media, I will use the courts and publicity to enforce my rights under the FCRA. My lawyer has advised me to bring this information forth to a judge in my area and I will do just that if this information is not removed from my credit file.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX XXXX XXXX Account # XXXX, # XXXX is reporting medical collections to my credit that are past the Statute of Limitations in Nevada. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.
Consumer complaint received 2020-02-29
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. (NV)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

INCORRECT ADDRESS : XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX INCORRECT NAME Reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, INCORRECT Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX INCORRECT Employment Data Reported : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mountain Land Collections, Inc. (UT)

XXXX XXXX XXXX Account # XXXX, # XXXX is reporting medical collections to my credit that are past the Statute of Limitations in Nevada. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.
Consumer complaint received 2020-02-29
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX USAA refuses to send fraud reports of {$1.00}, XXXX UNRESOLVED FRAUD on my accounts. See attatched FRAUD LETTER XX/XX/XXXX {$470.00} fraud claim date XX/XX/XXXX. Ten months AFTER fraud of {$470.00} until investigation is complete and temporary credits now become permanet. ( ** How do permanet credits apply to the balance of XX/XX/XXXX which was {$470.00} CALCULATED TEN MONTHS PRIOR? ) XXXX XXXX {$120.00} & XXXX {$210.00} ARE NOT INCLUDED IN THE {$470.00}. These transactions I reported UNAUTHORIZED that TOTAL the {$470.00} are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} The XXXX XXXX {$120.00} & The XXXX {$210.00} ARE * NOT INCLUDED IN FRAUD I REPORTED XX/XX/XXXX. XXXX attatched XX/XX/XXXX statement XXXX {$170.00} XXXX {$170.00} XXXX {$340.00} USAA began fraud investigations XX/XX/XXXX, XXXX attatched XX/XX/XXXX statement. See attatched Fraud Letter of XX/XX/XXXX {$12.00} & Fraud Letter of XX/XX/XXXX {$12.00} & of XX/XX/XXXX {$49.00} & of XX/XX/XXXX {$10.00} XXXX XXXX XXXX XXXX TOTAL {$150.00}. See attatched Statement of XX/XX/XXXX XX/XX/XXXX NEW CHARGES NOT CREDITS OF {$340.00} & NEW CHARGES NOT CREDITS of XX/XX/XXXX, XXXX XX/XX/XXXX Purchases {$470.00} = TOTALS {$810.00} NEW CHARGES NO PERMANET CREDITS. XX/XX/XXXX the disputes USAA converted from fraud I reported XX/XX/XXXX were NOT IN MY FAVOR PUT BACK ON CARD XX/XX/XXXX. Then ( 5 ) Five months later USAA letter of XX/XX/XXXX SAYS transactions are UNAUTHORIZED. They can not be both UNAUTHORIZED & NOT IN MY FAVOR TOO?? I DO NIT BELIEVE USAA INVESTIGATED FRAUDC XX/XX/XXXX STATEMENT {$470.00} THERE ARE ARE NO TEMPORARY CREDITS TO MAKE PERMANET?? XXXX USAA DENIED ME THE RIGHT TO REPORT FRAUD XX/XX/XXXX CONVERTING what I reported fraud INTO DISPUTES THAT REVERSED CREDITS OF {$1.00}, XXXX NO USAA CREDITS EVER GIVEN. {$470.00} XX/XX/XXXX + $ XXXX $ XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX = TOTAL. {$1.00}, XXXX UNRESOLVED FRAUD FROM XX/XX/XXXX TO XX/XX/XXXX AND {$1.00}, XXXX REVERSED CREDITS of DISPUTES NOT IN MY FAVOR?? USAA FRAUDS.
Consumer complaint received 2019-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

there is a XXXX  student loan servicing account that was placed on my credit report that does not belong to me. I am not in school. this account belongs to someone else. I do not have any student loans.
Consumer complaint received 2023-02-04
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)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. 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 2019-12-05
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. (UT)

XXXX XXXX #XXXX is reporting an account to my credit report that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it should not be on my credit report. I would like this removed immediately.
Consumer complaint received 2019-12-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (GA)

Please be advised SunTrust received a full short sale package along with a short sale offer.  The appraisal was completed shortly after the driveway was repaved to the street and the pipes to the water being lead to the street were repaired.  The builder of the home never added a pipe to the street when purchased the home no water and flooding occurred which no money was able to repair or to even go against the builder.  This home had water damages it was extremely costly to get these repairs and resolve the problem with the Builder.  SunTrust appraiser came in at XXXX0 my payoff is at XXXX and they closed our review of Short Sale and told the listing agent to list for a full payoff to Sun Trust. We listed the property on XXXX to market for that type of offer.  Then Sun Trust right after set a sale date for XX/XX/20.  I contacted FHA and a Housing Counselor to assist us with Sun Trust to allow 180 days to market for their request. Sun Trust them had their Plaintiff Attorney send me a Deed In Lieu right after stating the home should be sold for Equity?  They want the Equity Sale that is why they set the sale date. Not fair to me at all this is my home I occupy this home and I have listened to change the offer to pay them off. I had a short sale offer on the property and sent all my docs? I need a fair response from the lender. 180 days is fair to market this home on the XXXX.
Consumer complaint received 2019-12-14
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. (FL)

there is a XXXX student loan servicing account that was placed on my credit report that does not belong to me. I am not in school. this account belongs to someone else. I do not have any student loans.
Consumer complaint received 2020-02-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Reliable Credit Association, Inc. (OR)

Company does not notify you that you need to change your password, instead locks your account when you attempt to log in and the " Forgot Password '' query does not work, no emails get sent to the email provided, you need to speak with a representative, they are providing fake options to consumers. If this happens after 5:00 pm or on the weekends there is literally no one available to help, meaning that the bill you tried to pay three days early suddenly becomes PAST DUE because this company does not allow you to get any customer support when you need it.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (TX)

I contacted the company in XXXX XXXX  2019 to inform them of the sudden passing of my father. I informed the rep that in needed and extension or forbearance due to having to help pay for funeral arrangements. The rep was nice but said I didn't qualify for any extension or forbearance. The unwillingness to work with me was very disappointing since I had been a prompt paying customer up until that point.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC (SC)

The Indigo XXXX XXXX  I was sent a pre approval. I accepted the card and never received the card. Ive called the company XXXX XXXX asking when the card would arrive and no one would tell me when it would come. Its been a XXXX waiting for it to arrive and inside this month theyve sent multiple letters to my address but not my card. They sent a bill and filed it on my credit report, yet the card was never delivered to me
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America has a Military Benefits Unit to help process SCRA benefits requests and I called them on XX/XX/XXXX for my initial request. I was sent the link to submit their on line request form for SCRA benefits and received a case management number of XXXX. I was emailed on the following dates to provide additional documents : XX/XX/XXXX and asked to call which I did, XX/XX/XXXX four emails to provide additional information and I provided, XX/XX/XXXX two emails for additional information and one to call them and I complied with all requests, XX/XX/XXXX three emails for additional information which I provided, and XX/XX/XXXX was an email to say the they were reviewing documents. 
I received a letter for case management number XXXX and a as of date of XX/XX/XXXX on XX/XX/XXXX that my request had be disapproved, because they were unable to locate an account under my name. Received a second letter for case management number XXXX and as of date of XX/XX/XXXX on XX/XX/XXXX that my request was approved. I called on XX/XX/XXXX to get a status update and they were unable to provide one. They were not able to verify if I was approved or if I would receive a refund. I was told to wait on written correspondence. I have not received any additional correspondence as of todays date XX/XX/XXXX. 
The process has been frustrating, because I sent the same information multiple times to the secure email they provided. It is also frustrating that they can not provide an update on the status and/or refund when I contact them by phone. I also had to explain multiple times that the account had been closed in XX/XX/XXXX, but I provided them with the date the account was opened and the full account number each time.
Consumer complaint received 2019-01-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Title Security Agency LLC (AZ)

I asked for my promissary note as the only signature that was on it was my signature. I did not know that Title Security had sold my note to someone else and they refused to give me any information or tell me who their XXXX XXXX company was to this day. I told them ( XXXX, the foreclosing agent ) that I would have to inquire about my rights with their regulatory agency, ( Title Security retaliated at that point and went ahead with the foreclosure, even though I was current on my payments ). They threatened to foreclose on me, if I contacted any govenment agency for help. They refused anymore payments and refused to tell me how I could stop the foreclosure, until it was over so I had to pay all of the fees for the foreclosure ( Is this Nondisclosure, fraud, etc.? ). When I contacted attorneys they assured me that this was illegal, but I could not afford their fees. I have kept in constant contact with Title Security to to be within the statutes of limitations for RICO, 4-5 years within the last contact with them.They are still withholding information even though they have sent the file to me, but it is incomplete. Now they claimed that I was not damaged because I later sold the property, but unfortunately was never paid for it, XXXX XXXX XXXX never gave me the funds for the sale, but this is another, separate issue that I will also present to you to be investigated.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. The disputed items do not belong to me. Please block/remove these items XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4300.00} XXXX XXXX  Balance : {$2700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7500.00}
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion received information from their source, XXXX XXXX, stating they removed the bankruptcies from their XXXX XXXX report and transunion refuses to remove it from theirs. transunion also stated, the obtained the information about my bankruptcies from the bankruptcy courts. I sent them the letter from the bankruptcy courts, stating, they do not verify bankruptcies. I have been sending transunion this information from the year 2020. I have uploaded you the documents from all sources.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I did not authorize this company to pull my credit. I have asked XXXX XXXX and Experian to remove this credit pull but they are unresponsive. Experian also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-08-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

I already had 2 preexisting bank accounts open at Chase Bank. A college checking account, that I had opened at a physical branch, and a savings account that I had opened online. I had no problems opening or using the accounts for months. On XX/XX/2021 I opened a second savings account online. I did not deposit any money into the account or use it for anything at the time of opening it online. The next day ( XX/XX/2021 ) I went to my local Chase branch and deposited some money into my college checking account without an issue. Not even minutes later, I check my Chase mobile app to see a message telling me that my accounts are restricted and I can not use online banking. Since I was already at the branch, I decided to go inside and get it straightened out. The banker tried his best to be helpful but whomever he was speaking to on the phone informed him that my accounts were restricted and he ( my banker ) was not allowed to tell me why. I called customer service the next day in an attempt to get everything straightened out and was told that I just needed to go into a branch and provide a state-issued ID to have access to my accounts again. Although, that same day I had received an email stating that Chase was going to close all of my accounts without a clear reason. I went into another local Chase branch this time only to have the same thing happen to me ; the banker informed me that I was having my accounts closed without providing me with a clear reason. I have tried calling multiple times and continually get told that the bank does not have to give me a reason for closing my accounts and ending their relationship with me. I have also been told that there is no way for me to formally request any form of my own records, history, or information from Chase bank to learn why exactly my accounts were closed, without proper warning, over night. After being locked out of my online banking, I was only sent a physical letter with a warning in the mail a week AFTER Chase had already closed all of my accounts.
Consumer complaint received 2020-02-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A & O Recovery Solutions, LLC (GA)

In 2012 the apartment l was renting flooded.l had to move quickly and at the time the light bill was only {$210.00}. I called to cancel service but they didnt and continued to bill me. When l realized the bill was almost {$400.00} and it went into collections.l tried to call them last month to see what they could do because the amount was wrong and they told me nothing.The lady on the phone was very rude.
Consumer complaint received 2023-02-04
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. (TX)

Experian refuses to delete inaccurate address from my credit report. Accordingly to 15 U.S. Code 1681 that is a violation of my right! I never lived on that address, I already informed to them more than once
Consumer complaint received 2019-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

My purse was stolen on XX/XX/XXXX along with all of my credit cards. A CFPB complaint was filed by me and HSBC stated that a credit would be made to my account by XX/XX/XXXX. I have called the Fraud Dept. in XXXX on numerous occasions and they say that the account is still being investigated. I asked to have a Supervisor call me back. Nobody called me back. This is a crime shop. How does the Fraud Dept. not know that a letter from HSBC was sent to the CFPB stating that my claim was accepted as fraud and a credit would be made to my account by XX/XX/XXXX. They have denied purchases, failed to credit me back the money, lied to the CFPB and me and have a Fraud Dept. located in XXXX that is Clueless in XXXX. The CFPB better start investigating the banks for fraud!
Consumer complaint received 2019-12-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: HW Holding, Inc (AL)

COMPANY FILED IMPROPER LAWSUIT, ORDER FOR POSSESSION WAS OBTAINED BUT NO ORDER FOR MONEY OWED. THEY HAVE THREATENED GARNISHMENT AND HAVE NOT RESPONDED TO REPEATED ATTEMPTS FOR VALIDATION OF THE DEBT. NEVER RECEIVED PROPER NOTIFICATION OF COURT SUMMONS AND THEY SEIZED PROPERTY ( INCLUDING 2 DOGS ) WITHOUT CONSENT AND REFUSED TO RELINQUISH LOCATION OF ANIMALS/PROPERTY WHEN REQUESTED.