davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-03
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: Atlanticus Services Corporation (GA)

Fraudulent credit card purchases were made using my Aspire credit card account. On XX/XX/2023 a charge of {$1000.00} at XXXX XXXX XXXX XXXX was made and on XX/XX/2023 a charge of XXXX at XXXX XXXX XXXX was made that I DID NOT DO. Then there were multiple denied charges because there wasnt enough available credit after the robber used up most of the money. I filed a fraudulent charge affidavit but I was still denied because the merchant claims I didnt report the card stolen in time and I logged in around the same time the purchases were made but this is NOT TRUE. I reported the card stolen soon as I found out about the charges the very next day when I got an email describing authorized charges. If the merchant had thoroughly checked the IP address of the log in & the device that was used they will clearly see that it wasnt the same one I have always used when the account was first opened. I did not log in until I received the email about the charges on XX/XX/2023 at XXXX, anybody else around that time frame was not me and came from a different device & IP. The fraudulent charges were made in New York but yet I live in Georgia. I dont know what type of data breach has happened on the merchants end but I just want this to be resolved because I deserve some justice and there needs to be an investigation on who really stole my information. Please refund the money back to the account, I am a victim of FRAUD here & did not share my information with anyone.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

On Thursday XX/XX/XXXX I was charged an atm fee of {$20.00}, Monday XX/XX/XXXX I was charged an atm fee of {$35.00} and again on Monday XX/XX/XXXX an atm fee of XXXX. I called Citi bank to see if they would reverse the charges on Saturday XXXX XXXX the first customer service guy told me told me he had reversed all 3 fees. After waiting about 15 I looked at my account again he only reversed 1 charge. I called back to see what had happened. The second clerk said they only could reverse 1 of the fees. That not what I was told by the first guy. Even before I opened this account I contacted this bank and told them what I was going to do because I was looking for a international bank because I was traveling to XXXX XXXX at no point of the conversation did they explain all these fees to me. It fact they told me I would not have all these fees because Citi bank had operation in this country. I was lied to multiple times by this bank and it is time for this to stop.
Consumer complaint received 2023-03-15
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. (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. 

Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX, Department of EducationXXXX XXXX XXXX 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items 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.
Consumer complaint received 2023-05-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TN)

I initially submitted a complaint to the CFPB in XX/XX/XXXX due to Amerisave reporting me delinquent to XXXX and XXXX despite the fact that we made a forbearance agreement from XX/XX/XXXX through XX/XX/XXXX. Amerisave responded to the complaint, acknowledged their error, and removed the derogatory credit reporting. Since then, Amerisave continues to report me delinquent. I submitted a dispute to the credit reporting agencies and have contacted Amerisave multiple times including speaking with 2 different supervisors over several months to have the derogatory reporting and all notes removed from the credit bureaus. Amerisave is acting in a predatory manner by continuing to violate the terms of my forbearance. Representatives continue to agree verbally that the credit reporting is an error but continue to report delinquency. Additionally, Amerisave is unresponsive to my attempts to reach an agreement regarding the forborne balance and possible permanent loan modification. Despite my good faith attempts, Amerisave has not reciprocated.
Consumer complaint received 2023-05-14
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. (TX)

XXXX XXXX holds the note for a vehicle I purchased last year. The vehicle was totaled in XX/XX/2022. Ive filed the necessary paperwork for the gap insurance and furnished all documents and followed all procedures to have the gap insurance cover the remainder of the note. Its been 5 months of calling XXXX XXXX and they claim the account is pending and theyre processing the gap claim but that I need to keep paying on the totaled vehicle. I dont have the money to keep paying on the totaled vehicle I had to purchase another vehicle. My credit score has dropped XXXX points and Im no longer eligible for loans or borrowing standards.
Consumer complaint received 2019-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NJ)

I brought my loan current XX/XX/2019. Specialized loan Servicing company sent me the amount that my loan was behind. This included everything that was due. I sent payment to company. I received statement for next payment and it states that I am behind and they have a {$740.00} due. I called SLS company to ask what the charge was? I was told I would have to email them and they would get back to me. I emailed them XX/XX/2019 and I have not heard back from them. I received a urgent notice in my front door dated XX/XX/2019. The notice states that an independent field inspector came by to inspect the condition of the property? I never received a notice or phone call asking me when I would be available? I was informed that SLS stopped by my house again today XX/XX/2019. This is harassment. I have been this this mortgage company about a month. My loan was sold to this company from XXXX XXXX.
Consumer complaint received 2022-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2022 I spoke over the phone to Customer Service Supervisor ID : XXXX at XXXX AM call ending at XXXX AM from overseas with a cost of {$0.00} p/m in regard to an alert received on my Credit Report stablishing that there was a late payment reported in the card # XXXX even though previously another customer service representative called me saying that I was late on my payment and later she agreed that there was nothing to worry about because I told her that my account was in autopayment and she agreed to it, she apologizes for the inconvenience. Customer Service XXXX, ID : XXXX after checking the system found that it was showing late payment due to a conversion occurred in their system on XX/XX/2022 among others previously which did not change my automatic payment status, this person advised me to wright a letter to reverse or correct this information to the Credit Bureaus and to request a refund for the late fee charged back on XX/XX/2022. 
Please be advised that when their mistakenly reported this late payment to the Credit Bureaus my score drop over XXXX points approximately depending on the bureaus which is causing me to wait for you correction to keep doing business. 
Later I sent XXXX letters to the the department in charge to correct this errors and they replyed back to me saying that they are right causing me a halt in the process of using my credit, XXXX credit card cancel cancel on my for this fico drop.
Consumer complaint received 2019-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

This company continues to report accounts to my credit profile.

They are aware that i XXXX XXXX and want me to send over a P.O.A. That is not mandated by the FDCPA nor Debt collection laws in the state of Florida.

Please Validate any and all account pertained to me in your office and send firm proof of the alleged debt.

Account Reference : XXXX. this is the only reference number i have but they are reporting three.
Consumer complaint received 2022-11-12
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. (GA)

Ive disputed several times for XXXX collections to be removed from my Equifax credit report because the collections were removed from my XXXX XXXX XXXX account already. XXXX # XXXX amount was {$120.00}. XXXX # XXXX amount was {$210.00}. XXXX # XXXX amount was {$73.00}. I cant remember exact dispute dates, but I remember making XXXX dispute in XXXX of XXXX and it took over XXXX days for the investigation to be completed. After that was another dispute XX/XX/2022 and my wishes still werent granted even after I told them the collections were removed from my other credit bureaus credit reports months before.
Consumer complaint received 2022-11-12
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2019-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (NC)

I received my credit report in XX/XX/XXXX, I noticed a old debt from Chase Card for the balance of {$1400.00} dating back to XXXX. I contacted the company via postal mail in XX/XX/XXXX, stating I do not feel that I owe this debt. After 3 months, I received a letter simply stating my debt was accurate. No further explanation was given. In XXXX, I sent the company another letter stating I required proof to accept the debt as mine. The company then sent several of the same blank forms for me to fill out information, including social security number, updated address, phone number and signature. I did not feel comfortable giving this information to a company that is reporting an 13 year old debt on my current credit report and has repeatedly ignored my request for proof of accurate debt owed. This mistake is unethical and hindering me and my finances.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (NC)

TRUIST BANKS XX/XX/XXXX Request cash advance of {$1500.00} Realized didn't need and paid back immediately Called bank to have fees taken off since wasn't a need ; customer agent said because I had paid back they would have to do a reversal to have fees taken off but would be taken care of. 
Called back about 2 weeks when nothing seemed to be done and was told that customer agent didn't do forms correctly and it was rejected and saw new form was submitted and nothing they could do except send email to their supervisor. 
Went into Truist bank to speak with someone since a reversal was done and the {$1500.00} was back in my account and they couldn't do anything but suggested I pay back the {$1500.00} again and hopefully that would clear up the fees. 
Called credit card line again a week later because I now have interest fees along with cash advance fees and was told that it was in progress and someone would be in touch. 
Called again around XX/XX/XXXX to find out what was status and was told that it was still in progress but customer agent would send email to supervisor and should hear back soon. 
Called again today, XX/XX/XXXX, and received the same response of sending email to supervisor and someone would be in touch. 

During this whole process, have not received a response, either by phone, email, letter, or text in response to my numerous and repeated attempts to have fees taken off my account. 

This has been going on for close to two months and I have made numerous attempts to handle before more fees are added but can't get a response or anyone with any authority in branch or on line that can handle.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (AL)

I have two unrecognizable inquiries from XXXX XXXX XXXX business side that arent attached to anything and they are holding my profile back. I also have an unrecognizable inquiry under XXXX XXXX which I have no clue of what it is.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (NY)

hello on XX/XX/2024 I received a notifications on my phone from XXXX XXXX saying hard inquiries was just reported on my XXXX and XXXX credit reports. 
XXXX reported XXXX INQUIRIES, XXXX WELLS FARGO BANK INQUIRIES AND XXXX XXXX  XXXX XXXX INQUIRIES ON XX/XX/2024. 
XXXX reported XXXX INQUIRIERS, XXXX XXXX XXXX AND XXXX ON XX/XX/2024 i did not apply for anything on XXXX.im in process of putting a freeze on my credit.
Consumer complaint received 2022-12-27
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. (AL)

I have two unrecognizable inquiries from XXXX XXXX XXXX  business side that arent attached to anything and they are holding my profile back. I also have an unrecognizable inquiry under XXXX XXXX which I have no clue of what it is.
Consumer complaint received 2022-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I called Capital One on XX/XX/22 at XXXX am. I spoke with a person named XXXX who transferred me to a specialist by the name of XXXX employee # XXXX. During the call I asked XXXX if she was familiar with negotiable instruments. XXXX replied that she was not familiar with it and that she could not look it up and/or receive emails from me to send her the definition of negotiable instrument. I proceeded to give XXXX the definition and ask her if she was familiar with any Uniform Commercialized codes in particular UCC 3-603b, at which time she informed me that she wasn't. I then read UCC 3-603 b to XXXX to make sure that she was aware of what UCC 3-603 b sites. I informed XXXX that the wrong amount was credited to my account and ask if she would be crediting my account for the full amount, at which time XXXX read part of the provision that was written on the negotiable instrument and informed me that she could only credit my account for {$1.00}. I then asked, to be clear, you are in fact telling me that you will not be following the law and actually crediting my account and discharging it for being paid in full at this time? XXXX informed me that she would not be crediting my account and discharging it for being paid in full in the amount of {$2600.00} but only for {$1.00}. The call was ended at this time.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-27
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. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-12-27
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: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-11-12
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISIONor https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that 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 Balance : {$0.00}, XXXX XXXXXXXX Balance XXXX {$460.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00}, XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00}, XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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 alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-02-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (WI)

***THIS ISSUE IS TIME SENSITIVE*** My current home mortgage is with BMO Harris and I am re-financing with XXXX XXXX . I also have a small business loan with BMO that XXXX  instructed me pay off to facilitate the refi ( the loan is secured with my house ). I paid off the BMO business loan on Friday, XX/XX/XXXX in the amount of {$2700.00} and asked for a discharge letter to be sent to me ASAP. I have a rate lock with XXXX expiring on XX/XX/XXXX unless I can confirm the loan payoff. I contacted the branch on Monday, XX/XX/XXXX to verify the loan payment had been processed. The branch could NOT verify payment had processed. They instructed me to contact their Customer Service department at a number they provided. I was transferred 3 times, having to explain my situation each time, before getting someone to confirm the payment was processed. When I asked for a discharge letter I was told it could take up to 30 days. After explaining I couldn't wait that long I was told it could be expedited but that would still take up 14 days. I requested something to give XXXX to extend my rate lock. She offered a letter emailed to me on Tuesday, XX/XX/XXXX. I did not receive that email. I've left two messages today with no response. In addition, my loan officer at XXXX has indicated his difficulty in getting payoff information on the primary mortgage delaying the process more than it should. It doesn't seem to matter who you call or what information you're seeking, this bank is unresponsive to it's customers needs.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Attached you will find a list of items that I did not consent to. So that would be Idenity Theft, I did not give no one Permission to furnish anything on my Consumer report. And the following Credit Reporting Agencies are also Violating my Right to Privacy, XXXX, EQUIFAX and XXXX.