davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-31
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. (OH)

I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 1666B A creditor may not treat a payment on a credit account under a open end consumer credit plan as late for any purpose. 
In I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore past due reportings must be removed immediately. 

XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX reporting past due XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX reporting past due Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX  # XXXX Dept of Ed/XXXX # XXXX Dept of Ed/XXXX XXXX XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX  # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX XXXX XXXX & XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX XXXX XX/XX/XXXX reporting past due Dept of Ed/XXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX # XXXX & XX/XX/XXXX reporting past due Dept of EdXXXX XXXX XXXX reporting past due Dept of Ed/XXXX  # XXXX reporting past due Dept of EdXXXX # XXXX reporting past due XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX & XX/XX/XXXX reporting past due Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. 
Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law. 

Thank You for you time and attention to this matter
Consumer complaint received 2021-06-17
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: WELLS FARGO & COMPANY (MT)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-17
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: DISCOVER BANK (OH)

1 of 2 : {$420.00} ( Discover Card Dispute # XXXX ) Cancelled trip totaling {$680.00} booking with XXXX  XXXX  ( trip # XXXX ) under one hour from booking ( and far below 24 hours DOT refund policy ). Airline only gave partial refund of {$250.00}.

Credit card Dispute department tricked by false documents from Airline and closed dispute.

Credit card refuses to inquire with Airline for accurate documents
Consumer complaint received 2021-06-17
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: U.S. BANCORP (CA)

In XXXX of 2020 I inquired about the forbearance plan offered at US Bank for home mortgage clients. I am a small business owner and was concerned about the pandemic affecting my income. I was reassured multiple times that their forbearance agreement would NOT affect my XXXX XXXX. I was told multiple times by US Bank representatives to " ignore '' the frequent letters mailed threatening foreclosure. They said they were automatic and not to worry. I worried. I expressed to the US Bank representatives that I started paying my mortgage prior to the 6 months. I started paying in XXXX of 2020 and have continuously made full payment. After attempting to refinance my home, it was revealed that I was still in forbearance and not made payments in months. Every statement I received in the mail showed a growing past due balance. I made multiple attempts to contact the XXXX XXXX and other US Bank representatives. They told me not to worry and that my payments were not being applied, because of the forbearance plan but they would be applied as soon as it was complete in XXXX. It was not completed, and I was told I had to show consistent payments for 3 months. I had been showing payments since XXXX of 2020. I called again and again ... the US Bank representatives told me not to worry, it would all be over in XXXX. They started applying my payments and showed my account to be current ... but ... .there is a " major derogatory '' care of US Bank on my credit, and my XXXX XXXX dropped as a result. I have reached out to the credit agencies, US Bank, the CFPB and yet ... and yet YOU ALL ARE FAILING AT FIXING THE PROBLEM. This has created so much stress and anxiety in my life. Not one of these agencies will acknowledge the problem and FIX IT!!!! You are supposed to protect consumers, and you are failing. The response I have gotten from these agencies and the Bank is absurd. I don't know what else to do except hire and attorney to make this right. I have been more than patient. FIX THE PROBLEM. I will now be contacting the news organizations and let them know that ALL OF YOU are failing at protecting consumers.
Consumer complaint received 2020-03-17
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. (GA)

In a recent self credit check I got surprise when I saw a number of accounts that don't belong to me, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. 
further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed.
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I send a deposit for a rental property throw my Chase bank account XXXX XXXX. Chase process this through XXXX. I turns out that the is was a scam. I contacted XXXX they said I had to contact by bank. Chase open a claim and told me that they would contact XXXX to get the money back from were the money was transferred to and that this would take 3-5 bus. days to attempt to resolve. no less that 24 hours later I got a letter stating they could not help me. because this was a XXXX issue. 
I told they that this was a service and or merchandise that was not render or I did not receive merchandise for what I paid. And I feel that they should be protection from the Chase stand point because this was done through my Chase account. 
I did not choose to go through XXXX that I what Chase gave me as an option. I feel as if if I had written a Check and put a stop on payment of place it on my Debit card I would be able to get the money back because it went through my account. Why not for XXXX? 
The total amount I should receive back is {$1200.00} I have reached out to the person that received the transaction they said they would return the money but have not done so. Their email for XXXX transactions is XXXX XXXX
Consumer complaint received 2020-03-17
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA STATEMENTS OF TRANSACTIONS XXXX XX/XX/XXXX & XXXX XX/XX/XXXX DUPLICATE CHARGES. XX/XX/XXXX {$120.00} & XX/XX/XXXX {$120.00} XX/XX/XXXX {$210.00} & XX/XX/XXXX XX/XX/XXXX {$230.00} & XX/XX/XXXX {$230.00} {$52.00} XX/XX/XXXX & XX/XX/XXXX {$36.00} XX/XX/XXXX & {$36.00} XX/XX/XXXX {$25.00} XX/XX/XXXX $ {$25.00} XX/XX/XXXX {$25.00} XXXX XXXX & {$25.00} XX/XX/XXXX {$24.00} XX/XX/XXXX & {$24.00} XX/XX/XXXX {$17.00} XX/XX/XXXX & XX/XX/XXXX {$15.00} XX/XX/XXXX $ {$15.00} XX/XX/XXXX plus {$9.00} XXXX XXXX XXXX XXXX = ALL DUPLICATE XXXX XXXX TRANSACTIONS = TOTAL {$810.00} DUPLICATE TRANSACTIONS NEVER RESOLVED WHY?
Consumer complaint received 2020-03-17
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (AZ)

I do believe that I am seriously in danger as I was not properly closed with my mortgage. Loan Care sold my home through a Trustee Sale without the trustee being connected to the new lender who owned the servicing rights ; XXXX XXXX was the company who should had welcome me and given me a chance to explain my debt. My loan was incorrect and was not properly transferred nor addressed. I have since received a letter dated XX/XX/XXXX as if I had asked that Loan care perform an action on my account and that they received an acknowledgement of my authorization. What acknowledgment? I thought my house was sold on XX/XX/XXXX so why would you have to perform anything on an account in my name. Which is why I am questioning the money deposited in my account in XX/XX/XXXX ; preparing for the house located on XXXX XXXX XXXX XXXX in XXXX arizona  to be sold ; without addressing me as an owner and taking money from someone else ; while I remain in the house. This appears to be against the law to perform this action which is why I am asking once again. Why does XXXX XXXX recognize 's me as being in their system as of XX/XX/XXXX. Does it take that long for me to be in their system while they did not even talk to me regarding my past debt. That debt was incorrect and as I have shown why in previous complaints ; I am praying that Loan Care has to recognize that they were wrong and they will not last as a business if they keep defrauding people out of their homes. Today, I am thankful that I am not homeless, but how sad for those who are. I hope the representative who has their position in these trying times, pray that they are not going to be homeless and have to pay for what they did. 

Please take note that someone is trying to claim my excessive funds which was my forgiven amount that was attached to my deferred outstanding account which was incorrect. Also, please take notice that I was in the bankruptcy claims department and XXXX had acknowledge that my loan was transferred in XX/XX/XXXX, so I should had spoken to the Trustee ; XXXX XXXX at least 4-6 months prior to sale and she held my loan as a lien since XXXX while I was in bankruptcy from XXXX ; so what is Loan Care 's reason on why they did not address my loan correctly after bankruptcy? Was it because of greed? It appears so.. Please address my concern with an appropriate response ; minus the " snide sarcastic and arrogant '' responses that I had received in the past ; you received what you wanted ; THE MONEY, but as of today ; when I check my mail at the old address ; the house sits with my trash sitting beside the road for pickup and I am still getting mail stating that I am the owner less than a month ago. Please explain ....!!!! I hope the FTC can find the answer ...
Consumer complaint received 2021-06-17
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: ENCORE CAPITAL GROUP INC. (TX)

Company would lower credit limit to amount charged creating usage greater than 39 % usage and a negative mark in credit report as delinquent and reported several times to credit bureaus and several inquiries within days of each inquiries
Consumer complaint received 2020-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit report.
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (NC)

M & T Bank, XXXX. Contacted on XX/XX/20 at this number after contacting refinance dedicated number XXXX with automated response " MESSAGE CENTER FULL '' and disconnected. 
Initially after 45 min hold XXXX responded that he was only relay to Loan officer and hung up. Repeated tries, I was able to get XXXX of another Bank Department who attempted to onnect me with loan officer and failed. She arranged for 24 hr call back by a loan officer. Well, 24 hrs have passed nd no call. 
I bleive that M & T Bank is a debt collector and there is more incentives to get customers into debt than provide normal services. 
Thank You
Consumer complaint received 2020-03-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Reliant Capital Solutions, LLC (TX)

I have been homeless twice within the last year and am currently facing eviction. Reliant Capital solutions refuses to refund my tax return of {$1500.00} and {$1000.00} from XXXX and XXXX. Reliant and the Department of Education states they did not refund my money to me because Im not facing eviction however, I am currently facing eviction and have been facing evictions for the past 3 years. Help.
Consumer complaint received 2022-12-31
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. (GA)

I have called and sent letters to Experian letting them know that they were reporting false and inaccurate information on my report and they refuse to obey XXXX complaint reporting standards in violation of the Fair Credit Reporting Act. They continue to report false names and addresses on my report that don't belong to me and mail is undeliverable to me at these addresses. The following information is inaccurate and need to be deleted 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
Consumer complaint received 2021-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (GA)

I received three letters today, XX/XX/2021 from TRS RecoveryServices stating I owe money to XXXX and XXXX XXXX. I received a set of second notices on XX/XX/2021. I called my bank immediately after receiving the first notices because I thought it was a scam. I don't have credit cards with either of these services. I looked up each charge in my bank account and couldn't find any records of them. I am also currently an employee of XXXX XXXX ( a bookkeeper ). My bank researched one of the charges and couldn't find it in my bank record. After telling them about the notices, my bank advised me to ignore them and get a copy of my credit report. 

I called each companies credit service phone number and looked to see if there were accounts with my Social Security number and the result was zero! I have no credit accounts with either of them under my Social Security number. 

I am wondering if this is a case of identity theft or a clerical error. I certainly want an explanation as to why TRS is coming after me. I looked them up and checked the address on the notices on XXXX. Seems they're legit. Honestly, I am afraid to dispute the charges with them because they want me to report my Social Security number and bank account number on a form. Seems they're setting up a trap for me that will cause me a lot more grief than I'm already getting.
Consumer complaint received 2020-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MN)

On XX/XX/2020 I attempted to open a checking account with Citibank, i was told i would hear something in a few days, as it was an online account opening. I never heard anything. Several days later, checks for a checking account arrived at my home, followed by a Debit card and PIN number. I activated the card and deposited money, by transferring money from my savings account at Citibank. I then began using the card and the account for ACH bill pay services. on or about XXXX toth i went to login to online banking, and was unable to do so. thinking it was just a temporary glitch i tried later in the day, it still didnt work, and was advised to register my card and my PIN again, i tried unsuccessfully. I tried calling the bank. they procedded to tell my i did not have a card linked to my checking account, however they wwere able to see transactions i had made that day on my debit card. they issued a new debit card. the previous evening I had written check XXXX and XXXX, both in the amount of {$370.00} when my balance was, and continues to be {$1300.00}, at the time of this complaint. 
on XX/XX/XXXX, i received an email saying that there were returned checks on my account, i accessed online banking, and saw that my account balance had not changed, and there was no notice or record of either check being presented or returned. I initiated an online chat session, while simultaneously trying to call the bank. I spoke to a representative named XXXX, who assured me nothing had been returned, and all the checks would post to my account on XXXX stated nothing to worry about. i was on hold for over an hour, and nobody picked up the phone Later in the day i received notice from one of the parties I wrote a check to, that the check was not honored. 
I called back to Citibank, again was on hold for 48 minutes, and finally ended the call. 
Every time i call the bank or chat with a representative, i get a different story, and am forced to jump through hoops, all the while they have my funds, are not honoring checks, costing me returned check fees, embarrassment, and frustration not to mention hours trying to access my funds, or get answers. 
i have spoke to numerous people, all give different answers and explanations, yet i am stuck with fees, lost opportunity, lost time and aggravation. this is the worst experience i have ever had with a financial institution..
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Paypal Holdings, Inc (CO)

I received a letter from XXXX XXXX XXXX stating that I owed paypal {$190.00}. I tried contacting them three times and was never able to get a phone call through nor an email response. I then got a second letter that showed the debt. The two emails associated with the debt are not mine nor emails I recognize whatsoever. I contacted PayPal support and they were able to confirm that none of my accounts owed any money. Looking around on the internet I found that many other PayPal users are getting the same fraudulent letters from the same company.
Consumer complaint received 2020-03-17
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. (VA)

I have disputed XXXX XXXX account several times in the last two months. Comes back verified and FCRA meets requirements. The last payment dates differ from all bureaus along with account number. At this point it violates my rights and I request for this account to be permanent deleted off my report.
Consumer complaint received 2020-03-17
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: Experian Information Solutions Inc. (AZ)

XX/XX/2020 My most recent Experian Credit Report shows that's I have : 66 charge offs!!! 
and 40 hard inquiries!!! 
Remove XXXX XXXX XXXX immediately. It is a fraudulent loan and is not mine. FCRA.
Consumer complaint received 2020-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020, I opened a checking account with Bank of America. I was looking for checking accounts with bonuses and found the Bank of America XXXX plus banking. The XXXX  to get the {$100.00} was that I had to do certain direct deposits from my employer, which I did right away and I still receiving my salary in my Bank of America account. I called them a month after I opened the account and they told me I had to wait 60 days and I would get the {$100.00}. After 60 days nothing happened and called again. When I called back in XXXX they said they couldnt find any promotion in my account I fell so disappointed they lied to me every time I call I get different information. I called today and they cant even find the record that I called before. I called like 6 times. Please help
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (LA)

My identity was stolen I check my credit report and seen were someone open credit cards and and line of credits in using my name the year XXXX my wallet was stolen out of car I'm a victim of identity theft it show the following were open using my identity ) XXXX XX/XX/XXXX. XXXX XXXX XXXX ) XXXX XX/XX/XXXX. XXXX XXXX XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX, XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XX/XX/XXXX ) XXXX XXXX XXXX ) XXXX XX/XX/XXXX all accounts were open in my name by fraudulent