davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (MN)

I am having a continual issue of opening up a checking, savings, and secured credit card account with U.S. Bank due to having previous U.S. Bank accounts that was XXXX under XXXX XXXX bankruptcy 2 years ago and me having a previous bankruptcy on my XXXX XXXX, XXXX, XXXX, and XXXX XXXX credit report. U.S. Bank is refusing to open any accounts for me due to the previous accounts that was XXXX in bankruptcy in the U.S District Court District of Minnesota Bankruptcy Court. U.S. Bank is discriminating against me based on my previous relationship with the bank, based on my race, income, and me having a previous bankruptcy on my credit reports. U.S. Bank is in complete violation of the Equal Credit Opportunity Act ( XXXX ) under federal law. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
Consumer complaint received 2019-03-28
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: SYNCHRONY FINANCIAL (GA)

Had a XXXX XXXX  XXXX card through Synchrony bank, which was paid off thru XXXX XXXX and the agreement was once paid that all information would be deleted for pay. I called and spoke with XXXX concerning my XXXX XXXX XXXX ending in XXXX open XX/XX/XXXX Spoke with XXXX in Customer Service at Synchrony on XX/XX/XXXX, she stated that my balance is showing XXXX. She was not sure as to why it is in a charge off status. This should be XXXX balance and deleted for pay per the agency that they hired and I paid in full. My name when I had this account was XXXX XXXX and now is XXXX XXXX
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-12-16
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfoilo Recovery XXXX XXXX Still reporting under XXXX XXXX XXXX But states Sold to you I have disputed this for over 9 months I have No contract with you and you are in violation of the FCRA, I never receive any type of letter from you stating this was ok to put on my report this is a fraud case in 2014. I have all documentation XXXX, CFPB, FTC, OCC, ATTY GEN CA all documents. XXXX XXXX XXXX as no proof at all that this was made or used by myself they make hearsay comments with no evidence I have requested over and over I have there copy of what they called a contract with nothing on it there is not One actual signature on any documents they have sent also all the above agenies have these documents showing this remove this account from XXXX  now
Consumer complaint received 2022-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (AZ)

I have been baby-sitting Flagstar for 3 consecutive payments and they have not resolved the issue. I set-up payment transfer online to pull funds from two banks, every other Friday. The payment transfer started on XX/XX/2022. I authorized {$860.00} to pull from my XXXX XXXX ( XXXX ) account and {$250.00} from my XXXX Bank ( XXXX XXXX account to complete the bi-weekly payment of {$1100.00}. On XX/XX/2022, Flagstar pulled {$990.00} from XXXX and {$120.00} from XXXX. I contacted Flagstar immediately for an explanation. I spoke with a supervisor named XXXX. During the call, she confirmed the system is showing how I set-up the payment transfer : {$860.00} from XXXX and {$250.00} from XXXX. I asked her if this was system glitch or a human error, but she can not explain what happened. She assured me that this will be corrected. The next payment transfer was scheduled on XX/XX/2022. Flagstar processed the payment on XX/XX/2022, and pulled incorrect amounts again : {$250.00} from XXXX and {$860.00} from XXXX. I called again and requested for XXXX. XXXX had no explanation again and confirmed how it was set-up in the system of records : {$860.00} from XXXX and {$250.00} from XXXX. And again, XXXX assured me that it will pull the correct amounts on XX/XX/2022, as I've authorized them. I have 2 case numbers : # XXXX and # XXXX. I asked XXXX if this was a system issue or a human error. She did not have an answer. On XX/XX/2022, I called because there was no payment transfer showing on my accounts ( XXXX & XXXX ). Customer service stated that it usually days to complete payment processing. I told her, I just wanted to make sure that you will be pulling the correct amounts from my bank accounts, and she confirmed again what is showing in their system : {$860.00} from XXXX and {$250.00} from XXXX. I checked last night, and I can not believe they made a mistake again : {$860.00} from XXXX  and {$250.00} from XXXX. I called today really upset and asked for a manager, not a supervisor. Another lady spoke with me and I think she told me she was a supervisor. I specifically told her to right down how payments were set-up and how it should be done, so she wont ask me again, but she did ask me again. She said that the first transfer on XX/XX/2022 from XXXX was {$990.00} and asked me if XXXX made an error. I got so angry with that question because obviously she was not listening and does not know payment processing. I told her, who initiate the payment as shown in your system, XXXX or Flagstar? She gave me so many alibis making it seem that I am the problem. I told her to fix the problem and disconnected the call. The most annoying part of this problem is that they kept on confirming that their system is showing how I wanted payments to be processed, but the error keeps on going.
Consumer complaint received 2019-03-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (CA)

I received a letter from a company called " EOS CCA '' explaining to me that they are offering a settlement offer for an unverified debt from " XXXX XXXX '' that I supposedly went to in XXXX of 2014. I never went to a that hospital around that time. I have tried to call them several times and they do not answer, yes I am calling around their open business hours according to the letter I received. This is a fraudulent SCAM and this company should be shut down.
Consumer complaint received 2023-01-26
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. (AZ)

I would like to have the following account removed from my credit report : Child Support Enforcement There is a balance being reported of {$1100.00}, but I have NEVER been late on any payments. I will enclose the PDF proof of my account and payments. Since child support does not report positive payment history to reporting agencies, the account should not exist on my credit reports at all. 


I have disputed this account multiple times. but the reporting agencies are not actually looking into the validity of the account.
Consumer complaint received 2022-06-20
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)

never applied for a credit card or have ever contacted this company who ran a credit check which shows on my credit report. 

Comenity capital XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc. (TN)

On XX/XX/2021 I checked my consumer report and noticed that XXXX XXXX was reporting an inaccurate account on my credit profile. Neither XXXX nor XXXX has this account on my credit profile. This is a violation of 15 USC 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 1 ) The banking system is dependent upon fair and accurate credit reporting. No other consumer reporting agencies have this account listed on my report. This makes this company also in violation of 15 USC 1681e- Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am requesting the information from the original creditor and also an investigative report as to why this account is reporting on my consumer report. 15 USC 1681g Disclosures to consumers ( a ) Clearly states Every consumer agency SHALL, upon request clearly and accurately disclose to the consumer : all of the information in the consumers file at the time of the request.
Consumer complaint received 2019-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (KS)

I have tried to remedy the issue that XXXX XXXX caused as XXXX XXXX indicated to me that Equifax could not remove a discharge debt from my report because of two social security numbers. In fact it was not two ssn 's but rather my deceased husbands DOB XXXX was on my report. XXXX XXXX is notorious for reporting incorrect data so i am going to get this resolved through CEPB. Attached please find the bankruptcy discharge notification and a copy of the requested drivers license with my DOB, XXXX. I expect that the debt for XXXX placed by XXXX XXXX to be removed as all the requested documentation is included in the correspondence.
Consumer complaint received 2018-05-23
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. (CA)

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. 3 Credit Bureaus are reporting me late. There was definitely an error on their part. I was never 150 days late in XX/XX/2017.
Consumer complaint received 2022-07-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE AREN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS SUICIDE VICTIMS.
Consumer complaint received 2019-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

There was a debt was on my XXXX account in XXXX of XXXX of {$960.00}. I disputed it online and with a certified letter, and within 30 days it was removed. The creditor, Ability Recovery Services, and the credit bureau has now reinserted it back on my credit as of XXXX, XXXX XXXX, and I was not notified of the reinsertion. I spoke with XXXX, and they understand that it has been reinserted and that I was not notified, but refused to remove it from my report. Ability Recovery Services, and the original creditor has never sent me a bill, statement, or documents stating that I owe this. I have no proof that this is my debt whatsoever. Furthermore, the dispute agent from XXXX seemingly accused me of this debt, stating that either it was indeed mine, or I was victim of identity theft. Either way, this was reinstated and I was not notified in writing within the 5 day time period. It is now XX/XX/XXXX and this was reported XX/XX/XXXX, so they have had plenty of time to send me a letter, but when I spoke with them, they disregarded that and stated they would only dispute it again.
Consumer complaint received 2023-01-26
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX 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
Consumer complaint received 2022-06-20
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: ENCORE CAPITAL GROUP INC. (OH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

I used an atm that errored and said I received the cash. I tried a lesser transaction on another card and got that cash. My account was charged for the larger amount and it was disputed and a temporary credit was issued. Over 1 month later the bank said the other company provided documentation and the credits will be reversed. 

I can't do anything because it is my word vs the casino XXXX XXXX. I have a friend that was there and witnessed the entire thing.
Consumer complaint received 2018-12-17
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: National Recoveries, Inc. (CA)

I have a complaint AGAINST the Department of education. They allowed a college to missuse federal funds when allowing the school to lure me into signing up when they know i had no high school diploma. Tricking me by signing promissary note electronically!!! Which I did not! Then school dropped me during the beginning of the second month of classes with no explaination, no disbursement of funds or counsling of any kind. The remainder of the money then did not get returned, the school kept the money and now department of education says my wages will be garnished. If this office is in fact protection for cosumers then PLEASE PROTECT ME. From these practices of fraudulent affairs known from the department of education. Please do not tell me to contact them .They keep ignoring me and sweeping my complaints under the carpet! Please help
Consumer complaint received 2018-05-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (IL)

I received a XXXX XXXX XXXX in the mail on XX/XX/18. I did not apply for this card, and the card that I received was not promotional - it is a legitamite prepaid debit card. 

It was mailed directly to my home address, and the pamphlet encourages me to sign up for direct deposit with XXXXXXXX XXXX, and includes a routing and account number. 

I have never heard of XXXXXXXX XXXX and again, I did not apply for this card. I am concerned about why this was sent to me, this companys actions, and how to fix this. 

Warm regards
Consumer complaint received 2018-05-23
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I contacted the credit reporting agency on XX/XX/XXXX by writing a statement disputing debts ( XXXX XXXX XXXX XXXX and Bankruptcy ) on my credit report. They responded that the debts were " verified '' but did not provide any information on how they were verified as is what is required by the FCRA. On XX/XX/XXXX, I sent a follow-up letter to credit reporting agency regarding the method of verification and according to the FCRA, they have 15 days to respond. To date, the 15 day extension has expired and I have received no response.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MD)

I REVIEWED MY ACCOUNT AND FOUND THAT THE BANK CHARGED ME FOR 5 ATM TRANSACTION FEES ON ONE DAY AND I HAD NO ATM WITHDRAWALS. I SHOULD NOT BE CHARGED FOR MULTIPLE TRANSACTION FEES ON A DAY WHEN I HAD NO ATM ACTIVITY
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

In XX/XX/2018 someone at my previous address opened a XXXX XXXX   service in my name. The bill came to my current address and I called direct tv to tel them know it wasnt opened by me. It was a fraudulent account made by the new tenants at my previous address. I got a police report and a verification letter from XXXX XXXX and they closed the account. I sent the letter and police report and letter from XXXX XXXX but equifax did not dilete hard inquire and Ive disputed this over 4 times. My wife didnt have a proble getting it removed off here credit from Equifax but they are not working with me.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I am a victim of Identity THEFT. 

Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. If not complied with i will have to take legal action. The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information.AS of XX/XX/2018 my documents were received by your company. Today is the XX/XX/2018 30 DAYS PASTTHE time allotted. To block fraudulent information on my report. As of todays, date I have submitted a complaint to the following secretary of state, XXXX, Consumer Finical Protection Bureau, and the FTC, letter motorized and the a copy of the police report, Green return receipt. I appreciate prompt attention to this matter.
Consumer complaint received 2019-03-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc. (AZ)

On XX/XX/2019, there was a loan supposedly taken out under my name and social security number with XXXX XXXX XXXX. However, I never took a loan out with them. When I contacted them to see what was going on the representative on the phone asked me, " ... if I had been shopping around online for payday loans, because sometimes people go online to look at their loans and inadvertently take out a loan. '' I don't see how having a system where you can accidentally take out an extremely expensive loan is even legal. I don't recall applying with them and I certainly never signed any documents. Thankfully I caught it before too much damage was inflicted. This seems like it's a scam.
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NV)

I started investigating my credit report in XXXX of 2016. I requested my report from Equifax and received a report dated XXXX/XXXX/2016. On or around XXXX XXXX I sent a dispute to Equifax concerning an account I had no knowledge of. I received a notice from them on XXXX XXXX stating that they could not verify my identity and needed more information to process my dispute. So on XXXX XXXX I resent my request with the supporting information they requested and I have not received any response from them. I am filing this complaint because I have made at least XXXX requests for an investigation and have not received a response regarding the erroneous information on my credit report.