davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-23
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: Diversified Adjustment Service, Inc. (TX)

I have sent correspondence to Diversified Adjustment Service regarding an supposed account with XXXX and they did not send the documentation I've requested. I asked the company to send me an EXCLUSIVE, Written and SIGNED contract between me, XXXX XXXX, and Diversified Adjustment Service stating repayment terms. They did not send me this documentation after several attempts. I sent correspondence onXX/XX/2019 and XX/XX/2019.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern i am unable to apply for bank accounts are any typeof financial service to to my credit score being lower dude to accounts unknown are not to my use i feel like its unfairly accounted and i did not do anything on my report i need help
Consumer complaint received 2019-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (NV)

Went to purchase a vehicle. About 1 month after having the vehicle I got a letter from XXXX XXXX saying my transaction with them is denied with the terms the dealer wanted but that they would accept other terms ( aka higher interest rate ). This is due to the credit score assigned by XXXX XXXX which was about 100 points lower than XXXX and XXXX. I believe this is a scam to allow XXXX XXXX to ask for higher interest rates due to questionable credit. Searching the database here and XXXX searching, I see this is a very standard practice of XXXX. My credit with the 3 major credit reporting agencies is 800+. This is a scam and a slap in the face. XXXX should lose their credit reporting license.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Rocket Mortgage, LLC (WA)

Account XXXX with Rocket Mortgage. Rocket Mortgage continues to hit my credit report. Today I was informed about a NEW Account being set up with Rocket. Identity Fraud Keeps sending me alerts about Rocket Mortgage. I refinanced and am paying auto payments and am current! STOP HITTING MY CREDIT. I WANT ROCKET MORTGAGE TO STOP ANY AND ALL CREDIT INQUIRIES TO MY CREDIT OR ADDITIONAL ACCOUNTS.
Consumer complaint received 2019-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MT)

I opened a Bank of America XXXX  XXXX credit card in XX/XX/2019. My wife and I used this card to make over {$6000.00} in purchases during the month of XX/XX/XXXX, as we were moving across the country. I attempted to make a payment and was directed to the BOA application, which I subsequently downloaded. On XX/XX/XXXX, I attempted to make a payment online. I received an error message saying that online banking had been disabled for my account and that I must call XXXX to address the issue. This number connected me to an automated recording instructing me to make the payment through the app. Needless to say, this cycle became very frustrating and seems designed to make credit card payments difficult. I ultimately spent nearly 3 cumulative hours on hold before I finally was able to make a one time payment. No one ultimately addressed the online banking issue so now, three weeks later, I attempted to make a payment in the amount of 1500 and ran into the exact same problem. It is aggravating and seems that BOA has designed this process to make payments difficult to discourage users from settling their account, perhaps to increase revenue from interest. I intend to cancel this card but I think this issue should be addressed to the ensure the welfare of other users.
Consumer complaint received 2017-07-24
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. (WI)

I found out that Experian made many mistakes with my credit report when I applied for a mortgage. They listed many credit cards that did not belong to me. As a result, it dragged down my credit rating. I wrote a letter to them to correct the mistakes. They sent me another report with many wrong addresses. When I tried to correct the mistakes through their web, they asked me to submit documents to prove that I never lived in one of those places. How do I produce documents to prove that I never lived in one place? I 've spent hours on the phone with different credit card companies to explain that I did n't have the credit cards that showed up on my Experian credit card report. They created so much stress in my life because of their careless attitude toward consumers ' information.
Consumer complaint received 2019-07-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

Syncb /walmart I filed a lost, stolen report report with police report with you and you closed the walmart { account contract closed }. that same day you opened an account { walmart } please send me a copies of the contracts with my signature to open another account that same day. because there are two accounts stated on my credit report with same account number account XXXX opened XX/XX/2016 you closed account account was closed same day an account was opened need copy of that contract with my signature on it to open new account XXXX again. you have all documents in file
Consumer complaint received 2017-07-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Management Partners, LLC (PA)

I found out about this debt via credit alerts. I call Berks Credit & Collection and informed them I never received a statement from them nor did I receive a statement from the Original Creditor. I stated to them that they were in violation on the FCR Act. I had an attorney sent them a letter of dispute with no responds ( see attached ). I ask them for proof that they mailed me any statements and was denied. This should not be on my credit report.
Consumer complaint received 2019-07-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (LA)

I was only supposed to pay {$400.00}. I was charged {$400.00} TWICE. Two {$400.00} charged for Speedy were marked as posted today, XX/XX/XXXX, dated yesterday, XX/XX/XXXX. 

I called Speedy yesterday, XX/XX/XXXX, when the charges were still " pending. '' They were very unhelpful and said they would need a 30 day official bank statement showing the charges before they would refund one of them. The official 30 day statement doesn't come to me until after XXXX and that is an unacceptable amount of time to be out of {$400.00}. I called again today and emailed 30 days worth of activity, with the duplicate payments, and was again told I would need the official, because the print out didn't have my full name. 

I called my bank, XXXX XXXX, multiple times as well, and, though they were pretty unhelpful, after trying many times and asking for a supervisor, I finally got someone who was very helpful and says he is going to get one of those charges reversed.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC. (TN)

Equifax allowed my identity to be stolen. They give me free fraud ins. for a yr. That yr. passed did not have any problems. Then they handed over my information to XXXX. a subsidiary of XXXX. Well in XX/XX/XXXXof this yr. I sold my condo and moved. To XXXX TN. Some one had turn in wrong address to XX/XX/XXXX. They also had wrong ph. no. that did not belong to me or my wife. When I went to get my Power turned on with XXXX XXXX XXXX. They said I did not exist. No one explained to me that XX/XX/XXXXhad locked my credit, and froze it. I did not know what was going on. So I checked online and ask for my credit score and report. When I got my sc ore it XXXX.After much time consuming research I found the errors on my credit reports. I had to request wrong addresses be removed by writhing, and wrong ph no. by writing. Then it took 30 days for them to agree I was right. Your folks make the rules. No information should be allowed to be changed on a consumers report with out vetting it by the consumer his self. I creates a weak link .Like if someone had my ssa no. and my personal data, and they do because of Equifax allowing a breach. Well all that person has to do is feed the know it al consumers credit reporting co. enough wrong information. Seeing how it is not vetted with the real person. Your policy 's has created a window for the fraudsters. Any change to my profile should be checked out by contacting the individual. Identifying they have right person, and ask is this correct. I should not have to got thru XXXX and half of Ga to get something removed on my profile I know is not correct. Also I Want Equifax to know the pain and suffering they have put this XXXX yr. old man thru and it will go on till I die. What would you do if you was me. This is no hayride. It a XXXX   nightmare.Thanks youj
Consumer complaint received 2021-07-23
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. (GA)

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2019-07-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (MI)

We had a business checking account with chase Bank, the name of the business is XXXX XXXX XXXX XXXX account number XXXX, and we use to receive money from customers through XXXX XXXX ID XXXX, we closed this business account about 3 weeks ago, however one of our customers still have the old XXXX email ID. He transffered {$300.00} to the buisiness account on Monday XX/XX/2019 using XXXX, Chase bank account since the bank account close should refund the money to customer, instead chase took the money and deposited it to personal account XXXX XXXX XXXX. The customer called them they refuse to refund the money, they asked him to call us XXXX XXXX and ask him to call the bank and ask them to refund the money, when XXXX XXXX called the Bank, they told him the sender have to call and ask the bank to refund the money, the customer called again they gave him the same answer. XXXX XXXX called the bank again, the bank said that customer gave XXXX XXXX personal account information so that the reason the deposited the money to XXXX XXXX personal Account. 
That is not true, customer only have the Business account XXXX email ID, XXXX, he never have XXXX XXXX personal account XXXX email ID XXXX, which been deativited over a month ago. 
The last customer associate claimed that the customer deposited the money XXXX XXXX personal account in person. 
It is easy prove that chase did a mistake, or did on purpose, and they are covering for their mistake. 
Chase transaction number XXXX
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00}
Consumer complaint received 2021-09-23
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (IL)

I rented an apartment from XXXX XXXXXXXX in XX/XX/XXXX. The company decided they were not sure about my capacity to pay the rent, so they opted for a monthly lease agreement which means according to them " if incase I am unable to pay my rent, I will be given a month notice to vacate the property and if I also need to vacate the property, I will have to give them a month notice ''. 

in XX/XX/XXXX, my whole apartment was infested with rodents and I informed the agency in writing, my apartment was exterminated but my son was falling sick and I had to look for another apartment. XX/XX/XXXX, I notified the rental agency by writing and also through phone calls of my intent to vacate the property. They accepted but only to call me on the XXXX of XXXX that my request was not granted because they couldn't find the letter of intent to vacate the property in their mail. 

I inform them on the XXXX of XX/XX/XXXX that this was an infringement of my right and a very unprofessional way to conduct business. our communication has been attached to this report. They accepted my request in written ( a proof has been attached to this email ) that I would be vacating the property on the XXXX of XX/XX/XXXX. 


Yesterday XX/XX/XXXX, i got an email from the credit company that a collection was sent on my credit without any prior notice from the collection agency, no calls or emails. this is fraudulent and an infringement on my right and has caused me so much damage. I am in the process of buying a house for my family but with this collection report, my application has been turned down. I did not renew my lease with my landlord so I will be without accommodation for the foreseeable future.
Consumer complaint received 2019-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have contacted Transunion on numerous occasion to advise of XXXX XXXX XXXX account which they are reporting on my credit is fraudulent. I have requested original contracts and yet to provide they just validate debt without proof. When I spoke to them on the phone and asked for open dates they claim accounts where opened over 3 yrs ago yet they show on credit bureaus as 18 months ago reaging fraudulent debt.. The other credit reporting agencies have already acknowledged fraud and account not opened on my behalf. I feel as if I have been victimized twice.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2015-09-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: M&T BANK CORPORATION (NY)

Recently I learned of a problem with our XXXX 2015 car payment. The loan is serviced through M & T bank out of XXXX NY. The problem they say is that I did not make it. Normally I make the payment in my local branch and call it in. For XX/XX/XXXX I went in and took care of the payment at my local branch office Normally I go to the branch and have them take the payment from my checking. In XX/XX/XXXX I made my payment over the phone still unaware that there was a problem with XXXX 2015 payment with a live person. Shortly after making my XXXX payment my spouse told me she received a message from the bank about this loan. Knowing I was current I did not call them back until XXXX/XXXX/15. Per this call I was advised there was nothing wrong and even talked about a pay off amount because the vehicle is all most played off. Going forward thinking everything was fine on XXXX/XXXX/15 we received a letter dated XXXX/XXXX/15 stating a problem with our payment and account. I called the bank quickly and learned they did not have XXXX 2015 payment. Shocked as I was I advised that I would check my checking account statement and ended call. After review of my XXXX 2015 statement it was clear the payment was not taken from the checking account. I returned a call back to the bank on XXXX/XXXX/15 and learned they have applied my XX/XX/XXXX payment to XX/XX/XXXX and have applied XXXX late fee 's for {$56.00} dollars. I explained that the account has never been late and I was not sure what happened with the XX/XX/XXXX payment. I also agreed to get it made up. I requested them to remove both late fee 's due to them not telling me when making my XXXX 2015 payment over the phone there customer service rep failed to explain my XX/XX/XXXX payment was getting applied to XXXX 2015 payment. I explained this was wrong for them to do without telling me and also advised on XXXX/XXXX/15 was told everything was fine. They admit no wrong and could see it noted on the account I called on XXXX/XXXX/15. M & T refused to remove both fee 's. I feel I have been treated unfair and unjust. The bank mistreated me because they did not inform me of the problem when making my XXXX 2015 payment I incurred a XXXX late fee 's. The Supervisor that I spoke with on XXXX/XXXX/15 admits they are not responsible for miss-informing me on XXXX/XXXX/15 everything was fine. I have the name and employee ID of the Supervisor that refused to remove both late fee 's
Consumer complaint received 2018-08-08
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: Bread Financial Holdings, Inc. (CA)

On XX/XX/18 I applied for a XXXX card ( pre-approved ). During the application process, there was a disclaimer stating that applying for the card would be subject to approval and that doing so would NOT impact my credit score. I was asked for only the last 4 of my SSN, and as a prior XXXX XXXX member, the disclaimer seemed legitimate. However, I found out that XXXX did a hard inquiry on my XXXX credit report. I did not agree to this. If I had known about the hard inquiry, I would have thought twice before applying. The " will not impact credit score ''  disclaimer is completely false. 

On XX/XX/18 I contacted XXXX  and opened a dispute ; however, I was told this wouldn't do anything since it was not an inquiry due to fraud. XXXX   instructed me to contact XXXX. I contacted XXXX/XXXX  and they said they couldn't do anything about it. After I pressed for a credit resolutions department, XXXX/XXXX provided me a PO Box for their Credit Risk department. I mailed a letter requesting they remove the hard inquiry as they had an inaccurate disclaimer on their website. I also stated I would be filing a CFPB complaint as this disclaimer during the application process is completely misleading. 

Unfortunately, I did not think I needed a screenshot before hitting " submit '' on my application. I submitted my application in good faith, trusting that the statements on the application were true and accurate. I don't think it's fair that XXXX/XXXX misleads its consumers, negatively impacting my credit rating in the process.
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.