davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALLY FINANCIAL INC. (NJ)

I called Ally Bank to report identity theft. An overwithdrawn amount was sent to collections that I did not know about. I have been trying to dispute with Ally Bank debit for my checking account and had no chance to dispute it with the collections agency because I had no idea it existed. 

Someone tried to cash checks in my name. Overwithdrawn by XXXX and sent to collections.
Consumer complaint received 2019-11-22
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC (IA)

XXXX XXXX has been using deceptive tactics to force me to pay for months of gym memberships after I have tried to canceled with them. 

While living in XXXX  XXXX XXXX for the summer I signed up for their initial monthly membership for {$15.00} a month. I paid for the first three months while I was going there. As I finished my internship in the city I spoke with the local gym staff and they assured me I could cancel online or over the phone. So when I moved back to my home town after my summer internship I called their member number and explained I needed to cancel my membership. 

Their phone representative said that the gym staff was mistaken and the only option I had was to visit the gym in person to cancel the membership. I explained I did not have the ability to fly back from the midwest to XXXX  XXXX to cancel a gym membership fee. I asked told him again to cancel my account. 

I have now been contacted by : Aldous and Associates, PLLC XXXX. XXXX XXXX XXXX, UT XXXX saying that I owe hundreds of dollars in fees and late assessments. 

I would have canceled the membership during my last day at the gym, but their staff told me I could handle it over the phone! Please Help!
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXXXXXX XXXXXXXX Balance : {$260.00}.
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (VA)

On XX/XX/2021 credit XXXX collection ( XXXX ) was removed from XXXX and has now been placed back on my account. Ive disputed the account explaining the account was not mines and was not in my name. Ive reached out to XXXX, credit Coll collection , and the credit bureaus to have information removed/corrected. However the collection account is still reporting negatively. Credit Coll is also reporting negatively on XXXX as this account is not mines it should be deleted from report. XXXX was removed from XXXX XX/XX/2021. The account is not in my name and doesnt belongs to me. Also l will like to file complaint against XXXX XXXX /XXXX XXXX for reporting differently on different account and reporting inaccurate information. ( LATE PAYMENTS ) XXXX XXXX is reporting positively with 100 % on time payment on equifax but reporting negative on XXXX and XXXX. Contacted them to have information corrected, and to report positively on XXXX and XXXX as well, account is still reporting negatively on 2 accounts ( XXXX and XXXX ) and positive on XXXX. The account needs to reflect positively payment reports to all 3 bureaus. I will like to file complaint with XXXXXXXX  XXXX account was paid /closed and on time, they are reporting incorrect information and also reporting differently as far as late on each credit report. Please have these late reportings deleted its paid/closed and reporting incorrectly. Ive been getting denied for home-buying due to this negative information reporting on my report, Im a single mother with XXXX kids. My home is molded Ive been trying to move and this has been causing me to be denied please assist.
Consumer complaint received 2021-11-14
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. (TN)

I have several wrong items on my personal information such as misspelled names, wrong addresses, wrong phone numbers, wrong employment, and wrong spouse that I have attempted to get deleted. I have explained this several times and it never gets deleted. Please delete these inconsistencies. I have attached my driver 's license and social security card to show my current address and prove my identity.
Consumer complaint received 2021-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I called Bank of America inquiring about money owed to me. There was a balance overpaid on my credit card. Due to the archaic accounting system implemented by Bank of America. 

Because of this system I called in to close my credit card, probably about two weeks prior to XX/XX/XXXX, the exact date, I am unsure. The customer service representative stated that I was owed XXXX cents. 

When I called back on XX/XX/XXXX I was told I was only owed XXXX dollars. In which I have not received either of them. I have requested that Bank of America review my calls and tell me what is going on. Yesterday I received a check for {$56.00} which is nowhere close to the amount that is owed to me. 

I am not sure what is going on with Bank of America and it seems as though the overseas outsourced customer service representatives have no idea how to help me nor give me the correct information. 

I am formally requesting that Bank of America disclose the following to me along with the correct payments. 
1. Refund amount of my XXXX  XXXX XXXX XXXX annual fee.

2. The over payment amount that was made to the business card.

Please send these two checks to me along with a letter stating what they are for. Receiving random checks in the mail from Bank of America does not explain anything. Any other previous checks have not been cashed and can be cancelled so that the correct amounts are disclosed and issued to me. 

Bank of America has removed my XXXX  XXXX XXXX XXXX from my online account so I am unable to verify amounts or statements.
Consumer complaint received 2018-09-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Statebridge Company (IL)

I refinanced my loan with another company and closed on XX/XX/2018. I have yet to receive my escrow monies in the amount of XXXX from my old company Statebridge. I called on or about XX/XX/XXXX and spoke with a woman named XXXX who stated I could not talk to anyone in that dept, but she would open up a inquiry and call me back when she received an answer. I asked to know when it was being sent to me. After no communication I called again on XX/XX/XXXX and spoke with XXXX who told me it was still being processed and could give me no date on a issue. She did verify my refund amount at the XXXX.
Consumer complaint received 2021-11-14
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. (OH)

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence.

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly.
Consumer complaint received 2019-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

I took out a Barclay 's Ring Master Card in XX/XX/2019. I used an invitation which I received in the mail which had a 0 % APR for the first 12 months. I used the card to help my son pay for auto collision repairs which came to {$2600.00}. I also set up {$250.00} monthly payments automatically from my XXXX   XXXX XXXX checking account. I enrolled in paperless billing and never looked any further until today. Just went online and checked my account and noticed that I have been charged interest every month since it was opened. There was an issue with the first payment not being on time. I do not remember exactly why but I did call Barclays to discuss the issue which was fixed and they told me it would not effect my promotional rate. Barclays response to my phone call after speaking to two reps was that they never offered a 0 % promotion. They are sending me the agreement when the card was approved. I did check online and found the promotion which is now expired but proof that it was offered. I would never have taken out a card with interest. I would have paid cash in full.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the fair credit reporting act XXXX  Account # ( Transunion, XXXX, XXXX ) has violated my rights on XX/XX/2018 and XXXX XXXX 15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as later for purpose.
Consumer complaint received 2022-12-16
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. (NC)

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2019-01-30
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 (TN)

Sync/Walmart DC reflects my account has been charged off when in fact it was assigned to XXXX XXXX to collect the debt. XXXX XXXX is attempting to collect the debt but does not report to the credit bureau and can not inform me as to how this will reflect on my credit if it was paid off.
Consumer complaint received 2024-04-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (CA)

when i go to ANY Wells Fargo BRANCH my accounts is always In someone Elses Name I CANT Access my Account. I went to court The Judge TOLD Them to give me Access out of Her Own mouth To my BANK Accounts. What WOULD be a fair Resolution is that wells Fargo give me Access to my Accounts There CD Accounts I have not access Them since i went to court. 
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Consumer complaint received 2022-05-20
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrect and unauthorized accounts on my credit report. Id like a full investigation on these accounts and ask for an original copy of an agreement with my signature on each account, Thanks
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I did not receive a statement for the month of XXXX and XXXX of 2018 from my Kohl 's acct. XXXX submitted to the credit bureau that I missed 60 days of payment. 

This is not acceptable. I should have been notified that my acct was late or behind!
Consumer complaint received 2018-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX my debit card was stolen from my home along with my phone. A police report was filed with the City of XXXX, XXXX, NC police department. Report number XXXX. He was arrested and arrainged in XXXX County Court on XX/XX/XXXX. Withdrawels were made by the perpetrator and card was given to another individual who used the card and made debt card transactions. Both indivduals have been arrested and are locked up in the XXXX XXXX XXXX XXXX in XXXX NC. The second person was arrested and arrainged in XXXX County District Court on XX/XX/XXXX, File # XXXX. As of today, XX/XX/XXXX the bank has not returned any monies to my account and my account is {$1300.00} overdrawn. I have called and provide police records, details etc and the bank continues to not replace monies lost to this fraud that was commited against me. 
The Bank of America fraud team just continues to deny claim and not update any information to my case. Repeated phone calls inquiries to my claims just continue to be ignored. Please assist me in retrieving the XXXX that is due to me. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (NY)

I applied for a Wells Fargo credit card. They asked I go into the branch with two documents from a list, including a utility bill or renter 's insurance. I submitted confirmation of my renter 's insurance, a copy of my driver 's license and a utility bill. They refused to process the application still, instead demanding more paperwork be dropped off in the branch. They would n't even tell me whether I would be approved pending providing this paperwork.
Consumer complaint received 2023-10-05
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to remove immediately : 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
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

My husband had his social security card stolen and we never knew about a XXXX account made in his name. We never got any letters or anything and we get numerous call everyday and night from different numbers about he owes XXXX to XXXX. Like I said we have never gotten one letter about this and me and my husband get calls and I don't know why they call me. I have told them over and over we have an investigation going on to see what it is they won't give me an account number or anything. I have asked them numerous times to stop calling every 5 minutes while we are at work and at night but they won't stop. The numbers show up as unknown and restricted. And never leave messages. Last night the lady got really mouthy with me And said further actions would result.
Consumer complaint received 2024-04-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX. I reported counterfeit checks sent to me by a XXXX XXXX of XXXX XXXX XXXX to Bank of America. I reported them counterfeit because the routing numbers were not from a California Bank of America as the name the checking account is in on the check. The question of why the Routing numbers were traced to a Bank of America in XXXX XXXX was not answered. The question of why XXXX XXXX said in her letter that there was XXXX check of XXXX dollars sent to me when in actuality there were XXXX of different values was not answered. The question of what teller and why did this teller let this imposter deposit this check into my checking account was not answered. The question of who this imposter was who deposited this check without my permission was not answered. I have a question to Bank of America is to why Bank of America is either participating or covering up for this misconduct and harassment of me their client, XXXX XXXX I find this a very personal that Bank of America is not being honest with me on this. I find this to be decimation and sexist. Please change and answer my questions.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to remove immediately : 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
Consumer complaint received 2021-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have made all the necessary communications with all entities which had recorded wrong and/or misspelled names such as missing name part, inversions between given and family names etc. This has been requiring lots of energy, times and money. Now after this tedious cleaning process we still see in Experian records and their successive credit history eidtions many of these errors and inaccuracies persisting and not being flushed, although we did submit in various occasion our proof of ID, residence, all bearing the very right and full spelling at the perfectly right address. Most important, as my full name is made of a combination of extremely common given names and family patronyms, every inversions, substitutions, omissions, or misspelling are particularly prejudicial, dangerous and are opening doors to the highest risk of identity spoofing and, at least will induce a mix with other existing individual sharing some near name combinations. As the mission of a credit bureau, being one critical tier of trust in numerous transactions of the daily life, one of its main commitment and civil responsibility before citizens is to ensure the best identity integrity and protection. In my particular case it is very relevant that Experian removes rapidly all sources of identity confusion, all risk of ID spoofing and ensure they do efficiently and actively contribute to synchronize with all meshed systems a unique and correct patronym associated to my SSN. And not the other way around, that is to say being an agent propagating mistakes by leaving tiers which do query the credit bureau record with erroneous answers ( Eg. confirming that my SSN is associated to another person who shares part of my name. ) The credit bureau can not be a dictionary and a register of all past mistakes. Lastly, as Experian do not provide the precise list of furnishers by ID number which keep and report erroneous data they leaves us without any means and without any recourses to duly act and protect our identity efficiently when our names and patronymes are so common.