davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (MO)

Our credit card is being billed {$19.00} twice monthly ( assumption is that it is for both of us ) by Experian* Credit Report. We have not subscribed to any membership nor authorized any charges whatsoever. Experian does not publish any phone numbers that would allow anyone to speak to a live person. I have called Experian, given my social security number, date of birth and other personal information and tried to cancel " my membership '' and the system responded ( as it should have ) that there was no membership to cancel. 

I have filed a fraud dispute with my credit card company. They refunded the charge, but required the issuance of a new card/account number. My choice is now to close out my credit card or reissue for the fourth time ( which I will not do ). 

I am incensed at XXXX XXXX XXXX for allowing a merchant to make charges to my account without providing a phone number that allows the consumer to dispute or cancel services with the merchant directly.
Consumer complaint received 2023-04-02
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: ENCORE CAPITAL GROUP INC. (IN)

Midland credit management It's stating that I have a debt with XXXX  XXXX XXXX  for the amount of {$610.00} Open up XX/XX/2021 and I've never had this account don't know what it is and I've been disputing this with them for a couple years now and I keep your sayinformation is correct And won't take it off And I don't know what else to do
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

many inaccurate and old information are reporting under my equifax credit report, these were removed and returned all at once. these are inaccurate and fraud account not belonging to me, the creditors had different address and phone number on file of these accounts that were activated under my name, these do not belong to me, please please have equifax removed all these inaccuracies thank you
Consumer complaint received 2018-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Without my consent and without notification, my Kohl 's charge card was changed from paper billing to electronic statements. According to Kohl 's, electronic statements are not automatically sent to an email address. The consumer is supposed to know to log on to his/her account and look up the due dates, amount due and date due and then make the payment. As I use this card infrequently and for relatively low amounts, I was unaware of this situation. Now to my problem. My wife or I made a charge towards the end of XX/XX/XXXX. During that time, my mother came down with XXXX. I had to travel with her for several weeks to seek medical treatment. Unfortunately, she XXXX XXXX due to XXXX just after XXXX on XX/XX/XXXX. My wife and I had just returned from the hospital two hours from our house. Someone from the Kohl 's credit department called about the bill which, based on us being switched from paper to electronic billing without my consent, was news to us. My wife told the person from Kohl 's that we would pay it but that now was not a good time given that my mother had literally passed away hours before. I paid the bill the following day but Kohl 's submitted a late payment notice to my credit report in the 24 hours between when they called and when I paid the bill. I thought it must have been a mistake as my wife had explained the situation so she called back and tried to get the report removed from our credit report. In XX/XX/XXXX, I received a letter from Kohls Customer Service and Operations Center dated XX/XX/XXXX stating that they stood by their previous report to the credit bureaus. They have ruined my credit ( I was in the 800s before with zero issues and am not in the low 700s. ) I can not believe Kohl 's is that callous given my clean credit history with them since I have had their card. My account number is XXXX. My name is XXXX XXXX and I can be reached at XXXX.
Consumer complaint received 2018-04-08
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. (NY)

I lost my wallet in XXXX. I immediately filed a police report. Since then, information has appeared on my credit report that does not belong to me. I have requested copies of my original signatures from creditors and the credit bureaus, yet I have never been provided with such. Not only have accounts been opened, but some of them have gone into collections. I have done all I can to resolve this. Next Step will be a civil suit against all 3 credit bureaus for reporting false information. The accounts listed below DO NOT belong to me, XXXX XXXX, and should be immediately removed from my credit report! Thank you, 1 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2100.00} 2 ) Date Opened : XX/XX/XXXX XXXX XXXXl XXXX XXXX - Balance {$20000.00} 3 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$11000.00} 4 ) Date Opened : XX/XX/XXXX XXXX - Balance {$1500.00} 5 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1000.00} 6 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1500.00} 7 ) Date Opened : XX/XX/XXXX XXXX - Balance {$190.00} 8 ) Date Opened : XX/XX/XXXX XXXX XXXX XXXX - Balance {$2900.00} 9 ) Date Opened : XX/XX/XXXX XXXX XXXX - Balance {$1100.00}
Consumer complaint received 2015-11-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NY)

I have been requesting monthly statements and an account payment history of our mortgage from PHH, to be mailed to us for over 3 years now with no resolution. My husband and I filed for Chapter XXXX Bankruptcy in XXXX XXXX. Even though our mortgage is not included in our XXXX XXXX payment plan ( we pay on our own ), the PHH representatives that I have spoken with have all told me they can not send us monthly statements because we are " in a bankruptcy ''. I have told everyone that I have spoken with at PHH that I am still a customer that deserves the right to have monthly statements sent to us like any other customer. Even with giving them permission to send monthly statements, they will not. The only written correspondence we receive from them is our annual escrow analysis, which I might add is in a surplus of over {$2000.00} and has been since XX/XX/XXXX. When I first received the escrow analysis notifying us of this surplus back in XX/XX/XXXX, I called PHH to inquire on how this surplus will be released to us. I was informed again that because I am in a Chapter XXXX Bankruptcy they can not release the funds. When I received the escrow analysis in XX/XX/XXXX it again showed a surplus of over {$2000.00}. I called PHH again advising that I am requesting this surplus to be released to us. Again I received the same response from the PHH representative. And the same response again when I received the escrow analysis in XX/XX/XXXX. In addition, every time I speak with a PHH representative, I am told we are behind in our mortgage. I tell them every time I would n't know that I am behind because they have n't sent me a monthly statement in over 3 years!!! Every time I inquire with a PHH rep as to how much we are showing as delinquent, the amount varies drastically. The last rep I spoke with on XXXX/XXXX/XXXX advised me that we are behind over {$5000.00}. I know between XX/XX/XXXX and XX/XX/XXXX we have missed 2, possibly 3 at the most, payments, but it is no where near {$5000.00}! I should mention that I also request a payment history be sent to me every time I speak with a PHH rep as well and even though they all promise me that one will be mailed to me ( I guess they can send payment history even though I am " in a bankruptcy '' ), but they never send it. I have advised PHH that I need written clarification on the actual amount my mortgage is behind and once that amount is validated, I want all of the entire escrow surplus to be applied to that delinquent amount. PHH has advised me that I can not apply our escrow surplus to the delinquency amount because we are " in a bankruptcy ''.
Consumer complaint received 2023-06-13
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. (CA)

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX : XX/XX/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 XX/XX/XXXX : U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2020-09-15
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. (WA)

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2018-06-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Midwest Recovery Systems (AZ)

XX/XX/XXXX I received a call from Midwest Recovery Services stating I owed a debt for a supposed payday loan taken out in XX/XX/XXXX. They stated that I owed {$600.00} to XXXX XXXX XXXX XXXX and that I gave them permission to take an ACH from a XXXX XXXX account ( which I've never had ) and that it was insufficient funds. When I asked them to send me documentation regarding this debt -since I'd never taken out a payday loan or had a XXXX XXXX account, they hung up on me. I called them back and spoke with a XXXX XXXX and she stated that they are just a mediator and do not have access to that information. I explained that the address they had for me was not mine and that I never had a XXXX XXXX account nor taken out a payday loan and she threatened to send it to the Attorney General for prosecution and that once they do that I would have access to this documentation and then hung up on me again. I did some research online and discovered that they do this to a lot of people and say the same thing and these people also have never taken out a payday loan. This company needs to be stopped. They are ruining peoples credit with fraudulent information.
Consumer complaint received 2015-11-05
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (NY)

MidLand Funding LLC contacted a member of my family and talked to them about my debt. This 3rd party is in no way a co-signer or have anything to do with my debt. The debt collector told them the amount of the debt, who the original creditor was, and that it was my debt. Legally they are not supposed to disclose this information, but now it seems they are harassing my family.
Consumer complaint received 2019-10-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (AZ)

I have two Individual Retirement Account Time Certificate of Deposits for {$2000.00} each for tax year XXXX issued XX/XX/XXXX to myself and then living husband from then XXXX XXXX XXXX XXXX XXXX XXXX. ( now Wells Fargo Bank via XXXX acquisition ). These CD-IRAs are continuous no renewal necessary. We purchased these from the same bank branch then that we/I still bank at. 
I took these two CD-IRAs to my same bank branch ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) that we bought them on two separate occasions ( Friday XX/XX/XXXX and Friday XX/XX/XXXX ) and the Wells Fargo bankers claim they can not find any record of these accounts in their Wells Fargo system,  and therefore are unwilling to relinquish either my nor my entitled deceased husbands IRA investments and accrued interest earnings. They referred me to the Arizona Unclaimed Property Office ( not sure why since we/I have banked there the entire time and these are Individual Retirement Accounts no reason to send retirement savings to Unclaimed Property especially when Ive been banking with them all along, and even though they, Wells Fargo, have no record of submitting them ). I checked on Friday XX/XX/XXXX and AZ Unclaimed Property has no record of unclaimed property under either of our names.
Consumer complaint received 2019-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (WA)

I attempted to contact all three credit Bureaus to initiate disputes on both credit inquiries and debts reflecting on the credit report. Both XXXX and Experian have been to most challenging and not willing to assist. XXXX  and Experian have stated they started a dispute but in fact did not. XXXX  has been unwilling to assist with these disputes. 

Accounts which are in question are : 1. Accounts with all accounts with XXXX XXXX. 
2. All accounts with XXXX 3. Accounts with XXXX 4. Account with XXXX. 

Inquiries which are reporting and were not initiated or authorized with me are : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX   XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX  XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XX/XX/XXXX 9.XXXX XXXX  XXXX XX/XX/XXXX 10.XXXX  XX/XX/XXXX 11.XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX 13 . XXXX XXXX XX/XX/XXXX 14.XXXX XXXX XXXX XX/XX/XXXX 15XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-05-10
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. (UT)

Experian is taking legal police reports and converting them in there in XXXX system to numeric codes to the debt collectors XXXX XXXX XXXX XXXX which the debt collector is verifying which should be a crime. How can they legally convert police reports to numeric codes? 


The police department stated this was a legal affidavit and it can't be converted to a CODE. 


Police Reports REPORT NUMBER : XXXX
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was a victim of some online bank scam someone had gotten ahold of my bank card info and tried depositing a check into my account then tried transferring funds. The bank had froze my account because they knew it wasn't me. In the terms and conditions in Bank of America 's welcoming packet it states if anything happens like what happend to me they would provide an attorney for me to handle the case. But instead I had been arrested and had to pay for an attorney and to get bonded our of jail. I lost a good family friend and customer. Because I have a construction company. I had went into my local branch and asked for XXXX and all paperwork that had to do with the for said transaction aswell as if they would provide an attorney for me and they refused to do anything there packet said they would or even give me proof of what they told me that happend with mine and my mother 's bank account so I could get the charges dropped and they refused to even provide me with the transaction papers which I was getting blamed for. When if I did try doing what they said then give me the paperwork for my account and transactions? Now I have a charge on my record because the District Attorney would not listen to me nor the law or allow me to represent myself. So I had to hire an attorney because both court appointed attorneys would not fight for me even tho I provided proof I was innocent and showed them the law and asked them to state this to the judge and they wouldn't and said if I don't plead guilty I was going to prison so I then paid an attorney alot of money for somthing that was done online and had nothing to do with me but it had to do with someone in XXXX had my account info somehow just so I wouldn't get jail time but my attorney said seeing as I was arrested in the pass that I had to plea guilty because the Distract Attorney will not reduce the charges anymore so plea guilty and go home or fight the charge and pay thousands of dollars and still get jail time. So I just said I guess if I have no choice I will plea guilty so I don't go back in jail for something I had nothing to do with. I feel Bank of America should be responsible for paying for an attorney and have my charge reversed and dismissed and pay me back all the money it cost me for lawyer and bond and loss of wadges and deformation of character etc.?
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had filed a complaint against Bank of America. Part of the resolution of that complaint was they agreed and stated in a letter to me dated XX/XX/19 that I was not being reported ( derogatory ) to both XXXX, XXXX and XXXX XXXX XXXX , XXXX. On XXXX, I attempted to set up a checking and savings account at XXXX XXXX XXXX in XXXX, FL. XXXX XXXX XXXX refused to approve these accounts because of derogatory information being reported about me with XXXX and XXXX XXXX. I asked Bank of America to confirm that the information in that XX/XX/19 letter is accurate and they refused to help in any way possible. Neither XXXX or XXXX XXXX will provide any information. They said they are sending a report which may take as long as 2 weeks to get to me. They both said I could dispute the information but that process takes as long as 8 weeks and still may not clear up the matter as it is up to each individual bank to decide if they want to update their data regarding me. I have separately filed a complaint against XXXX XXXX XXXX because they have refused to provide specifics on why I was declined.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

I am a customer of Chase bank. On XX/XX/XXXX I entered the bank branch located at XXXX XXXX XXXX XXXX illinois. Approx XXXX I conducted my transactions on the inside of the bank. I utilized the inner lobby ATM. I attempted to withdraw {$600.00}. My money was not dispensed. I immediately notified the bank staff. Initially I was told by the banker my money would be credited back to my account because the ATM would recognize that it failed to dispense the money. 
However the money was deducted from my account. The money was not dispensed Chase bank has failed to credit my account accordingly.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

Hello, I would like to request assistance in overdraft fees in my account ending in XXXX. I contacted the bank to see if the fees could be waived. I attempted to transfer the funds using my cell phone using my phone. I was not aware that there was a issue and the funds were not transferred from XXXX.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ADP Inc. (PA)

XXXX, ADP, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DMV, Social Security, SSA have all used my personal and confidential information to provide employment, benefits and health coverage to an undocumented criminal.
Consumer complaint received 2023-04-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Sat. XXXX XXXX at XXXX XXXX  EDT received a text from Capital One saying " Thanks for giving Capitol One your mobile number. You XXXX get texts with important info about your account from XXXX or XXXX. You also now have access to XXXX, your Capital One assistant. You can talk to XXXX by sending a text to XXXX. Reply HELP for more info. Reply STOP if you don't want to receive text messages from Capital One. Msg frequency varies. Msg & data rates may apply. '' This text alert was not solicited but I assumed it was phishing so I didn't click on anything and ignored the message. 

That is until I checked my emails and found a new message from Sat. XXXX. XXXX at XXXX XXXX  EDT titled " Congrats! Your new XXXX Checking account is open. '' I called Capitol One on Monday XX/XX/XXXX around XXXX XXXX. They closed the account, and told me to destroy the debit card that was already on its way ( I received it XXXX XX/XX/2023 ) and were unable to tell me who or how this account was opened under my name, phone number, and home address. I have never banked with Capitol One so this checking account being opened under my name was very suspicious. 

I would like to know who/how this happened, if possible. 

Thank you