davidheineman/consumer-finance-complaints-large huggingface dataset:
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: Experian Information Solutions Inc. (NY)

In XX/XX/2020 I discovered that my identity had been stolen. Upon reviewing my credit report, I found that there was a charged off credit card. 

I reached out to the credit bureaus to notify them that my identity had been stolen by sending a letter, a police report, filing a complaint with the FTC, and sending a FTC affidavit to all three credit bureaus. All three denied removing the account because they claimed the account was verified by the creditor. None of them gave me an explanation as to why they would not block it nor how they came to the conclusion that it was verified. 

I reached out directly to the creditor and sent the same information letting them know that I had been a victim of identity theft and they refused to remove the account stating that it had been verified. I requested that the provide physical proof of a contract with my signature showing that the debt was mine and show me the method they used to verify the debt but the disregarded my claim. Instead they sent a letter plainly stating that the account was verified. 

Lastly, I followed up with a Notice to Furnishers of Information letting them know that they are only able to report accurate information and must remove the account if it is fraudulent. They again disregarded my claim and have continued to report the account as verified.
Consumer complaint received 2021-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AR)

I opened a checking account with an online bank called Chime. I had my XXXX savings deposited around XX/XX/2020. Nearly a month after they requested additional info to verify my identity. I logged into the chat to see what was going on and I had a message stating the issue had been resolved so I thought it was over. Days later my account was placed on hold. I sent in the requested documents numerous times only to get request from them for more. Once I sent everything in I kept being told to expect to hear back from them within 48 hours. Never heard back. So I call and complain almost everyday for weeks and try to get it resolved but no one ever has info or can help me and they wont let me speak directly to the department handling my case. I always get the same story, they go through all the emails and ask about this and that and then say okay since everything is there I will escalate the situation and try to get a solution. I waited three weeks after that and heard nothing. I call today and get told my info was being emailed to the wrong email even though I have conversations on email with request for documents and saying to respond directly to that email, which I did. I got the same run around story with no solution offered. I have complained with the company, the XXXX, the attorney general of my state, and the federal reserve and I am making cases with all of them to try and get help.
Consumer complaint received 2021-01-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (TX)

I had an agree settlement with the company to settle my debts and was told that I can submit payments through their online system but when I tried it would not let me. I tried submitting payments twice. I found it strange that after the submitting the payment it would not give me a confirmation and would redirect me back to the beginning of the payment. So I waited till business hours to call for confirmation only to be told that I did not have sufficient funds for my payments an was charged a resubmit fee TWICE. I tried to explain to the representative that this happened because I resubmitted my payment because I did not receive a confirmation code how I normally do. I was then told by the representative that my settlement agreement was cancelled due to the return funds. and all the payments I have worked to pay for is now no longer part of my repayment and I would have to start my settlement over. This is a scam! The representative told me that I would be able to submit payments online but I wasn't and now I have to pay the consequence for misleading information. Trying to do the right things are not paying off. The representatives name is XXXX and his ID number is XXXX.
Consumer complaint received 2023-05-18
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company (KS)

FREEDOM MORTGAGE IS ACTING WITHOUT AUTHORUTY. THEY IN XXXX  LOST THEIR BUSINESS TO A COURT ORDER WHERE THE XXXX  AND XXXX SUED THEM AND ALL CORPORATIONS. THEY ARE NOW CONSIDERED DEAD, A CORPSE, WITHOUT ANY RIGHTS BY LAW TO BE A MORTGAGE LOAN CORPORATION. THEY HAVE NO RIGHTS TO BE IN OPERATION IN THIS COUNTRY SINCE XXXX XXXX. SO ALL BUSINESS ENTERED INTO AS THIS ISCORPORATION NULL AND VOID. AS THEY ARE NULL AND VOID. THEY DO NOT LEGALLY EXIST ANYMORE SINCE XXXX XXXX. THEREFORE, WHY ARE THEY STILL BEING ALLOWED TO XXXX PEOPLE OF THEIR HOMES. THEY CAN NOT BE ALLOWED TO DO BUSINESS IN THIS COUNTRY OR ABROAD FOR THAT MATTER... PLEASE ENFORCE THE LAW ... STOP THEM...
Consumer complaint received 2021-01-05
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. (MS)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

I have never lived in New York or Nevada and it shows those two states on my credit report. Someone else with a similar name must live in New York or nevada, but it is not me. The only states I have ever lived in are XXXX XXXX XXXX Please remove the incorrect residential addresses for NY and NV off of my credit report. Also my bankruptcy should not be included in my credit report, that is private information.
Consumer complaint received 2021-01-05
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. (MS)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2021-01-05
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. (MS)

I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Consumer complaint received 2024-01-30
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (ID)

I was in XXXX  and XXXX  from XX/XX/2022 to XXXX I had about {$2200.00} including the interest charged to my account. I filed a report with the FTC and XXXX XXXX, ID police department.. they accepted my claim/ report.XXXX  CAPITOL ONE denied my claim because of insufficient evidence? I was in XXXX. In my police report, it states that I was incarcerated from XX/XX/XXXX  through XXXX capitol one wouldnt even acknowledge that I had a police report or that i stated that I was XXXX.. they said; well you were still making your payments!!! 
I also got charged {$180.00} for fees and interest charges for 2 of the original charges that got put back onto my account.. the general car insurance and XXXX XXXX.. they said the charges were marked as car insurance and XXXX  XXXX  so they automatically added those charges as fees and interest charges.. and also charged me {$200.00} as purchase adjustments for returned payment that I paid a total of 3times and only had 1 got returned.. theyre stating that 2 got returned 1 on XX/XX/XXXX and 1 on XXXX XXXX the only one that was returned was on the XXXX. I made a payment on the XXXX. Then they charged me {$200.00} 14days later on the XXXX. And saying my payment was returned. When it wasnt. Theyre refusing to acknowledge anything that I say, theyre telling me Im wrong!! And they kept interrupting me and telling me that Im wrong and that any evidence that I have to support my case. Is irrelevant and does not matter. So I want {$2500.00} credited back onto my account. Because of the contract I signed agreeing to there 0 % liability PROMISE on ALL unauthorized charges.
Consumer complaint received 2021-01-05
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (FL)

Purchased furniture from Ashley Furniture on XX/XX/XXXX and used an open credit account with the store through Synchrony Credit. They promised a delivery date before XXXX, however they subsequently kept pushing back the date due to a back order. When it was looking to be in XX/XX/XXXX - I cancelled the order. Ashley did not put in a credit request with Synchrony and Synchrony pulled the entire purchase amount of {$1700.00} from my bank account stating is was on auto pay and allowed full payment. I did not authorize a payment in full since I was going to utilize the 12 month interest free offer. On XX/XX/XXXX, I contacted Synchrony to get my money put back into my account and after 2 hours on the phone with them I was told a check must be issued for a refund. Apparently electronic banking works only one way. I requested to speak to a manager to ensure this was put in place - the manager confirmed the refund request was put in and the check was requested on XX/XX/XXXX. The length of time to receive this was 2 to 3 weeks. On XX/XX/XXXX I called Synchrony to follow up since I had not received my refund check. I again spoke to a manager and was told the refund check was not requested. She stated I have 2 options 1 ) request the refund check on this date or 2 ) contact my bank and put in an unauthorized transaction form.

Completely unacceptable service and handling of my money. I opted for my bank to put in an unauthorization request form. This has put an extreme strain on my finances and and still now have another 10 days to receive my funds back into my account.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Per Consumer Financial Protect Bureau Section 1026.56, Requirements for over-the-limit transactions, permission was never requested from me nor given to allow for over the limit transactions. Moreover methods were not in place to prevent fraudulent payments that allowed continuing purchase that allowed the credit limit to be exceeded for purposes of theft. Moreover, a proper investigation didnt include the methods of payment used to make the fraudulent payments. Moreover, any information can not be withheld from the consumer if the consumer will be held responsible. This is America. The theft resulted in account being closed, charged off, exceeded my ability to make a lump sum payment, and prevented me from continuing payments per my original and signed agreement. Thus my account is not accurate nor being reported accurately per requirements of the FCRA.
Consumer complaint received 2021-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (TN)

i received a notification in XXXX of XXXX that the power company in upstate NewYork ( XXXX XXXX ) had an outstanding charge in my name for {$110.00} from XX/XX/XXXX Upon investigation through National Recovery Agency in XXXX, PA it was determined that this resulted from identity theft. The charge occurred in XXXX and i moved out of New York State in XXXX. I subsequently filed a police report with the XXXX County Police and was issued an incident number on XX/XX/XXXX. Thereafter I submitted the incident number to National Recovery who advised me they would follow up with XXXX XXXX. After waiting more than a reasonable time I began making weekly calls to the representative with whom I had been speaking. Each and every time the recording stated that the person at that extension was unavailable and that I should leave my name and number and my call would be returned. To date I have received no information.
Consumer complaint received 2021-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

I have been denied time and time again for retentions options by Select Portfolio Servicing. A repayment plan increasing my mmonthly payment by $ XXXX {$900.00} in my opinion is not real help. I'm sure all of the SPS employees would agree that if someone were to increase their rent/mortgage by that much, they too would see that is truly is no help during a pandemic to even offer such an outragous option and label it as " assistance '' On XX/XX/21 SPS stated that again for the 5th time, I was denied for rentention options. 

I then received a phone call from SPS at the end of XXXX to tell me that a new program had passed that I may qualify for. 

I received a letter dated XX/XX/21 from SPS stating they needed more paperwork from me. Documents were sent on XX/XX/21 with my bank statements being sent later, on XX/XX/21 per the SPS request for assistance review. I called SPS on XX/XX/21 to make sure they received the documents from XX/XX/21 and was told that I was denied for retention options. 

If they hadn't even received all of the document they requested via written letter dated XX/XX/21, how could I already be denied?! 

They put my literal life at risk by doing these things. I was already told I was denied and to liquidate so why did SPS call me, to give me false hope, have me go out in public places to get and fax documents, only to deny me before said documents are returned? We are very much still in the middle of a global pandemic with variants that are still killing people. I don't understand why I was denied, then contacted by SPS
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (GA)

On XX/XX/XXXX, I contacted XXXX XXXX XXXX to ask about additional time on my last installment due to having issues during COVID financially. Additionally, I asked if I made this payment late would affect my credit. The rep told me that as long as I make the payment before XXXX XXXX does there monthly reporting that I should be fine. We came up with the date of XX/XX/XXXX and I paid on that exact date. When they updated my credit to show that my car was paid off they gave me a late payment on all of my credit reports for XX/XX/2021.
Consumer complaint received 2021-01-05
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. (LA)

I've file a disputes last XXXX for those accounts that I found inaccurate and unknown on my credit report. But it's almost 60 days now they didn't give any response. I demand that those accounts will be DELETED immediately or I will file a litigation.
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX reached out to me directly via telephone Employee : XXXX XXXX XXXX to inform me that she CAN NOT in fact verify the debt I allegedly owe because the School in in question has since closed. That the school closed because of unethical business practices. XXXX XXXX has NO proof that I attended this school, no signatures from me showing proof, and no way to verify this debt. 

I sent XXXX XXXX an Affidavit of Facts letter ( attached ) and there was no response to remedy this situation.
Consumer complaint received 2021-09-20
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)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I have been using my BofA EDD Debit Card for over year and half now. I've never had an issue with it. Prior to travel out of the country I had notified their department of it promptly. All of a sudden I find out that my account without prior notice whatsoever, has been blocked and locked. I am not able to access my funds, nor login into it, nor make any transactions while out of the country during the pandemic.

This is despite the U.S. District Court prohibiting Bank of America from freezing EDD debit card accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I called and spoke on XX/XX/2021 with BofA reps/supervisors for two hours. 
They're telling me the ONLY way to get this resolved is for me to PERSONALLY SHOW UP in a branch and present IDs. That is now not possible while I am out of the country till unknown foreseeable future with the pandemic. In the past, any issues I had to do with verification with BofA I would perform them on the phone with pin codes, security questions, etc. I have offered to submit my form of ID 's via email or online where I can upload them securely. They would not hear none of it. I am locked out completely from my only source of income while I am outside of the country during the pandemic!
Consumer complaint received 2021-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 an account without my written instructions.

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 furnishes an account without my written instructions.
Consumer complaint received 2021-01-05
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. (SC)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1 ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX ; 2 ) XXXX XXXX, Inquiry Date : XX/XX/XXXX ; 3 ) XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/XXXX.