davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
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. (VA)

My personal information was exposed in the XXXX breach and since then fraudulent accounts and inquiries have been showing up on my credit report. 

Pursuant to 15 U.S. Code 1681a definitions ; rules of construction ( 2 ) Exclusions. The term consumer report does not include- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; MY CONSUMER REPORT CAN NOT INCLUDE TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND ANY PERSON, WITHOUT MY WRITTEN INSTRUCTIONS. MY CONSUMER REPORT ALSO CAN NOT INCLUDE AUTHORIZATION OR APPROVAL OF CREDIT DIRECTLY OR INDIRECTLY. BLOCK AND REMOVE ALL ACCOUNTS AND INQUIRIES MENTIONED IN MY FTC IDENTITY THEFT REPORT. 

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

ANY ACCOUNT/INQUIRY THAT HAS BEEN PREVIOUSLY INVESTIGATED OR DISPUTED ON MY CONSUMER REPORT AS IT RELATES TO MY CHARACTER, GENERAL REPUTATION, PERSONAL CHARACTERISTICS, OR MODE OF LIVING WAS NOT OBTAINED THROUGH INTERVIEWS WITH MY NEIGHBORS, FRIENDS, OR ASSOCIATES OF MINE, THE CONSUMER. NO FACTUAL INFFORMATION FROM A CREDITOR SHALL BE INCLUDED ON MY CONSUMER REPORT WHATSOVER.
Consumer complaint received 2020-12-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2018-10-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AZ)

On XX/XX/2017 National Credit Syst appeared on my credit report. They are attempting to collect a debt that I owed with XXXX XXXX XXXX, which I never owed anything. The amount is {$1500.00} and this is false as I never was told I owed anything. I have tried to contact XXXX XXXX XXXX a dozen times to gather information about this issue and I can not get a hold of management at all. I left messages to try to resolve this issue and they don't respond. After a month or so goes by this company National Credit Systems appears automatically on my credit report with no options to pay before it hits my credit report. I believe this is wrong of both companies to fail me and my spouse on the fees that I owe and don't understand. There were no kind of explanation to why this is owed. We completed the lease agreement and were free of any extra charges as the company could have possibly made up fees or hidden fees that we were not made aware of. This is hurting my credit and I need to be able to find a place to lease and or obtain a mortgage, but with this Company holding my credit down it has been hard to establish a home of my own.
Consumer complaint received 2022-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (IN)

My name is XXXX XXXX and last XXXX Acct # XXXX. My complaint is about fraudulent charges from Huntington and XXXX. On XX/XX/XXXX I had {$2000.00} deposited into my account. The same day, {$1900.00} was spent on XXXX. I was at training and only get my phone every so often and didn't see this deposit or purchase until XX/XX/XXXX when I called and filed a dispute. The same day credits were issued and on XX/XX/XXXX and XX/XX/XXXX, {$1000.00} a day was XXXX to the SAME exact person who I disputed the {$1900.00} with. So my account should've never been able to send that person money again and especially my money they'd already just stolen from me. After I called and disputed I turned my phone back in and didn't see I had been issued credits or that they'd been spent the same day. I got my phone back and noticed XXXX and filed a dispute, I was told because they used XXXX, XXXX had their own dispute department to review it and I'd hear back within 10 days. After 13 days I called and was told my claim had been denied. No reasoning was given and I didn't receive written correspondence in the mail like I was told, within the first 10 days or since. No dispute forms or no explanation of denial letter. Nothing, just told no over a call and {$2000.00} lost. 
My location alone shouldve been proof enough the purchases weren't made by me. This is absolutely ridiculous and has gone on for too long and for too much of an amount to have had stolen and my own financial institution doesn't help.
Consumer complaint received 2020-09-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (OH)

Today, XX/XX/XXXX, I was notified by my credit monitoring company that I had a new negative account on my credit report. The information listed Afni, Inc. and shows a balance of {$1200.00}. I contacted Afni. First, I spoke with XXXX who proceeded to tell me that I had several unpaid XXXX XXXX XXXX mobile and internet accounts and provided me with the amounts. I informed her that I had never had XXXX XXXX XXXX services so there must be a mistake. It was not until AFTER disclosing information did she confirm my identity and that I was in fact not the owner of those accounts. She then transferred me. 

I was then transferred to XXXX who told me that I have a XXXX mobile account for purchased equipment and leased equipment. She then asked if I would like to settle the account. When I told her no, I felt as though she became rude. I was not provided with an account number or any information other than it was from XX/XX/2018. I have had XXXX for years. So she explained I would need to complete a fraud packet. 
She also told me that her company had just received the account on XX/XX/XXXX. 

Outside of the HORRIBLE customer service and lack of information this company provides, I should have been notified about this so called debt. Afni received the account on XX/XX/XXXX yet made NO attempts to contact me regarding this account prior to placing it on my credit report. It is standard practice to contact the debtor and provide them with 30 days to respond or dispute the debt. Afni did  NOT. They clearly received the account, held it for 30 days with NO communication at all then placed it on my report.
Consumer complaint received 2021-10-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

CHASE BANK IS PURPOSELY DELAYING SENDING ME A PAY OFF STATEMENT IN WRITING, TO FORCE THE HOUSE TO GO TO SHERIFF SALE 9 DAYS FROM TODAY. EVEN THOUGH THEY KNOW THAT I HAVE A CASH BUYER WHO NEEDS THE AMOUNT IN WRITING TO WRITE UP A CONTRACT. THIS IS BECAUSE THEY WANT MY HOUSE. THE FIRST LOAN 'S BANK OFFICER SAID THAT CHASE ASKED THEM FOR THE PAYOFF AMOUNT. THE FIRST BANK SENT ME THEIR PAYOFF AMOUNT IN WRITING. CHASE IS STOPPING THE SALE BY DELAYING THE TRANSACTION.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (NY)

Barclays XXXX XXXX XXXX has implemented a fix company policy where it manipulates the amount of revenue the company can generate in card fees by developing a systemic policy that refuses to let card holders downgrade their card to one with a lesser fee when usage has been modified even after the Barclays company reduces the credit line on their own accord, ensuring that Barclays can continue to generate a significant amount of revenue by charging the same cardholder fees to the holder even if Barclays elects to reduce the card holder credit lines both negatively affecting the card holder 's credit rating by decreasing their line of credit and charging the cardholders more fees for less services. I have contacted Barclays every 3 months for 26 months and requested that I be allowed to revert my card back to the original card with a {$99.00} fee and have been told " I am sorry sir, that offer is not available for you at this time. '' When I questioned the representative further they stated that they have never seen that " offer '' available to anyone at anytime since they worked there. Instead of allowing you to downgrade your card, Barclays tries to enforce a fixed policy where you have to reapply for a " new card '' and take an additional negative impact on your credit score, when you already have an open and available line of credit, in an unscrupulous business practice that ensures the company a set amount of generate income at the detriment to consumers credit scores.
Consumer complaint received 2018-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on the XX/XX/2018. I deposited a check from my employer " XXXX XXXX XXXX XXXX '' for the amount of {$700.00}. there was a hold placed on my check for a period that exceeded 5 business days. i was negative in my account when i initialize the deposited in my account. so i had no funds to continue this new job i started. and the end result to that check was a much greater negative balance, and loosing my employer due to funds for transportation. so since i lost my employer and cant pay my bills an they added fees for insufficient funds i want to file a complaint.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (TX)

Hello, A couple years ago, in Florida, my walletwhich had all of my personal informationwas lost. During that time I had a breakdown and feared that someone would use my identity to conduct crimes or carry out illegal activities. If you have dealt with this before, you are aware of the pressure it places on you. Since then, I've made sure to always carry something with me to store my stuff, so I can always know where my belongings are. The reason I'm writing today is because I discovered stuff on my credit report similar to then being that I am a victim of theft, that I've noticed now in regard to the Florida event. The following things on my report need to be removed from my file. Again, I am a victim of identity theft, so I'm asking that the things be removed so that my credit report can be corrected. I need this to be taken away since dealing with it has left me quite worn out.
Consumer complaint received 2018-04-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (TX)

On or around XX/XX/XXXX, I contacted American Express to make them aware that I would be unable to pay the balance on the account for some time due to Hurricane Harvey. I was told only at that time that " I didn't need to make a payment at that time '' and that I could " make a payment when I am able to do so. '' It was not until XX/XX/XXXX that I began to receive late fees associated with the outstanding balance. I made a partial payment on the account on XX/XX/XXXX and attempted to make a payment on XX/XX/XXXX. I did not receive any collection calls or notices from American Express in an effort to collect the debt. I contacted American Express to change my address and I was told at that time that my account had been sent to a third party collector. Again, no notifications from American Express that this would be done, no attempt to contact me to resolve the debt at least 30 days prior to the debt being assigned to a debt collection agency. After speaking with XXXX ( Payment Team ), XXXX ( Credit Team ), XXXX ( Legal Department ) with American Express, I was unable to resolve this dispute on my own since the account has been outsourced to XXXX Collection.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation (NY)

I had a mortgage loan from the company called Homepoint ( XXXX # XXXX ) a month before it was sold to a new creditor they reported my last payment as late when it was not. I have my bank statements showing proof that the payment was made on-time and i tried reasoning with the creditor but all they responded was with that the conducted their investigation and that they will not correct the error the late payment thats reporting is from XX/XX/2022 i sent them an email on XX/XX/2022 they did not respond on when i sent a follow up email on XX/XX/2022 they responded with in minutes saying that they will not correct the error this is ridiculous and I am furious I can only imagine how many other people this has happened to.
Consumer complaint received 2021-10-20
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: EQUIFAX, INC. (CA)

SEVERAL YEARS AGO MY PERSONAL INFORMATION WAS COMPROMIZED THROUGH EQUIFAX DATA BREACH. I HAVE RECEIVED A LETTER WHICH SAYS TO BE AWARE SO MY IDENTITY WAS COMPROMIZED. AFTER A YEAR I HAVE RECEIVED SEVERAL LETTERS FROM DIFFERENT COMPANIES THAT I HAVE OPENED AN ACCOUNT WITH THEM AND DID NOT PAY UNDER SOME FRAUDULENT ADDRESS. I HAVE CALLED AND NOTIFIED ALL THESE CREDITORS AND ALSO I HAVE CONTACTED THREE MAJOR CREDIT BUREAUS AND ADDED A SEVEN YEARS FRAUD ALERT. CREDIT BUREAUS ADVISED ME TO GET AN IDENTITY THEFT REPORT AND FORWARD IT TO THEM SO THEY CAN BLOCK THESE FRAUDULENT INFORMATION. IT HAS BEEN OVER SIX MONTHS THAT I HAVE FORWARDED THEM ALL THE REQUESTED INFORMATION BUT CREDIT BUREAUS REFUSED TO BLOCK OR REMOVE THESE FRAUDULENT INFORMATION THEY NEVER SENT ME ANY RESULT OF INVESTIGATION. I HAVE CONTACTED THEM BY PHONE AND BEEN TOLD THAT THESE INFORMATION WILL STAY ON MY REPORT FOR SEVEN YEARS. THESE FRAUDULENT INFORMATION IS REALLY HURTING MY CREDIT RATING AND MY LIFESTYLE. 
I HAVE JUST BEEN A VICTIM AND NOW SUFFERING BECASUE EQUIFAX COULD NOT PROTECT MY PERSONAL INFORMATION. PLEASE HELP.
Consumer complaint received 2021-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

SEVERAL YEARS AGO MY PERSONAL INFORMATION WAS COMPROMIZED THROUGH XXXX XXXX BREACH. I HAVE RECEIVED A LETTER WHICH SAYS TO BE AWARE SO MY IDENTITY WAS COMPROMIZED. AFTER A YEAR I HAVE RECEIVED SEVERAL LETTERS FROM DIFFERENT COMPANIES THAT I HAVE OPENED AN ACCOUNT WITH THEM AND DID NOT PAY UNDER SOME FRAUDULENT ADDRESS. I HAVE CALLED AND NOTIFIED ALL THESE CREDITORS AND ALSO I HAVE CONTACTED THREE MAJOR CREDIT BUREAUS AND ADDED A SEVEN YEARS FRAUD ALERT. CREDIT BUREAUS ADVISED ME TO GET AN IDENTITY THEFT REPORT AND FORWARD IT TO THEM SO THEY CAN BLOCK THESE FRAUDULENT INFORMATION. IT HAS BEEN OVER SIX MONTHS THAT I HAVE FORWARDED THEM ALL THE REQUESTED INFORMATION BUT CREDIT BUREAUS REFUSED TO BLOCK OR REMOVE THESE FRAUDULENT INFORMATION THEY NEVER SENT ME ANY RESULT OF INVESTIGATION. I HAVE CONTACTED THEM BY PHONE AND BEEN TOLD THAT THESE INFORMATION WILL STAY ON MY REPORT FOR SEVEN YEARS. THESE FRAUDULENT INFORMATION IS REALLY HURTING MY CREDIT RATING AND MY LIFESTYLE. 
I HAVE JUST BEEN A VICTIM AND NOW SUFFERING BECASUE XXXX COULD NOT PROTECT MY PERSONAL INFORMATION. PLEASE HELP.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My consumer report was improperly used without my consent ; I did not give consent for the negative items to report to credit reporting agencies, nor did I receive disclosures with the opportunity to opt out of having my nonpersonal information shared.
Consumer complaint received 2022-05-04
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. (MS)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2018-04-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (TX)

In XX/XX/XXXX, I purchased a XXXX XXXX XXXX and was presented a Fact Report saying that the car was being sold because it had only one rear end accident, however after having to purchase 2 tires in 4 months and thinking having a front end alignment. Was told by the repairman the car had a bent frame the results of a front end collision, needed to have repaired. However could not having a {$460.00} monthly note. Asked for a note extension was denied by Bridgecrest Financial wanted to work problem out but requested extension was denied. Car was purchased from XXXX. please
Consumer complaint received 2021-04-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (AL)

From my checking and savings account, I sent a wire transfer to a bank in XXXX ( where I live ) to pay for my rent XXXX of 2020. 

The transfer was flagged, so Wells Fargo kept the money at the branch, but even though they claimed to investigate the transaction issue and said that I should get the money within the next month, they did not return to money back to my account. 

However, in XX/XX/2020, Wells Fargo notified me that I would need to pay an additional fee and that after I paid the fee, I would have the money returned to my account. 

Despite paying the additional fee, the money I wired was never returned to my account. 

Further, now the Wells Fargo representatives ( XXXX ) informed me that unless I am physically present, they are unable to assist me in getting my money back and will take no further action. Wells Fargo representatives that have been my point of contact are aware that I live abroad and due to COVID, I can not go back to the United States as I would not be permitted to return back home to XXXX. 

It has now been over a year that Wells Fargo has kept my money, and now refuses to return it to the account. I was assured over a year ago that the amount would be returned to me, and it is appalling that it has not yet happened and that Wells Fargo is now, in email, saying that they will not assist me further unless in person. 

Wire transfer total : XXXXUSD Wire transfer fee : XXXX USD ( REIMBURSED ) Additional fee to have the money returned : XXXX USD
Consumer complaint received 2018-04-25
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: JPMORGAN CHASE & CO. (NY)

Divorced XX/XX/XXXX. Prior to the marriages end, we had joint checking, savings and a line of credit attached to the checking account number. My wife and I meet at the XXXX, NY. Chase Bank managers office for the purpose of removing my name from the joint accounts, transferring account numbers to a single ownership account. At time of transfer my credit rating was XXXX points. Six years later, I began to notice a drastic decrease in my credit report number. I didn't think much about this drop, due to fact that all accounts where closed with no debts owed ( mortgage, vehicles and credit cards paid in full honorably ). In XX/XX/XXXX I applied for a XXXX credit card, it was denied by Chase bank. I never received a notice of nonpayment, collect, or default. I never received notice from credit reporting/collection agencies. I contacted Chase bank, I was told account closed, and was charged off. I no longer had legal access or control over ex-wife 's personal/private affairs. Chase gave me no warning, because I was not a customer.
Consumer complaint received 2018-04-25
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: Experian Information Solutions Inc. (VA)

I got declined 3 times because of experian credit scores its almost 100 points deferent from XXXX credit reports. I dont understand why is the big gab I did file to remove some stuff that shouldnt be there not even a return mail to explain why?