davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-30
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. (MD)

Hello, The Experian Credit report always shows another person 's credit card accounts on my Credit report for over 2 years. I disputed it 3 times all failed, I also contacted XXXX XXXX XXXX directly since the two wrong credit cards are all from them. They confirmed those accounts do not belong to me and I only have one credit card under my name. 
However, the Experian credit report still failed my dispute without giving any reasons and asked me to contact XXXX XXXX XXXX. 
All other credit bureaus have the correct information, but only Experian shows the wrong information and it extremely hurts my credits and my life. 

I really need some help to correct their report. 

Thank you
Consumer complaint received 2022-08-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (FL)

I have called numerous times to HAF and my mortgage company. Absolutely no resolution. HAF says the funds for XXXX have been sent XX/XX/2022 and XXXXAmeris bank claims no funds have been received as of XX/XX/2022. 
Being denied to speak to supervisors concerning my concerns from both parties. 
Please can you help in this
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (MI)

Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce within 10 business days stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This will is a Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any  further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Consumer complaint received 2022-04-14
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. (IL)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX. XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # 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 2017-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Between XXXX and XXXX my wife and I were in Arizona ; we live in Connecticut. On Saturday XX/XX/XXXX and Sunday XXXX we were denied the use of bank debit card for normal transactions such as purchasing gas and going to dinner etc.. Each time we attempted to use the card the transaction was denied. Our checking and money account balances exceeded {$35000.00} and our attempted purchases were approximately in the low hundred dollar amounts. This was a great inconvenience, embarrassment, and mistreatment to us. When I called our Connecticut-based bank ( Webster Bank, N.A. ), customer service informed me that because we were out of state ( i.e., Arizona ) the bank reasoned that it was fraud on the card and blocked access to the account ( s )  through the debit card. I asked the bank 's customer service individual why the bank did not contact us since it has our : two cell phone # s ; two e-mail addresses, and text access, and I was informed that they left a message on our home phone without ever attempting to contact us via the other contact points, which they have had for years. This makes no sense and was irresponsible on the bank 's part, particularly since my wife travels to California, XXXX, and Florida on business regularly, uses the debit card on the road, and has never had her access to funds/debits denied. The bank also indicated that we should have notified them that we would be traveling to Arizona - since when does a consumer need to share their travel plans with their bank? That sounds like an invasion of privacy to me. Webster Bank greatly inconvenienced ( and embarrassed ) us while we were in Arizona and failed to contact us when its had multiple communication options available. The bank denied us access to our funds on deposit and caused us economic hardship because we were forced to use our credit cards in lieu of having ample funds on deposit. 

The Bank 's approach in this matter was inexcusable and needs to be addressed. Further, I asked customer service if there is a 'travel policy ' that requires a depositor to inform the bank of his/her travel plans, and was told no ; but we should have!!!!!!
Consumer complaint received 2017-09-01
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MNE Services, Inc (MO)

My complaint is that the representative for XXXX XXXX XXXX continues to repeatedly call my employer numerous times. Calling right back after they hang up. I have told them that I work for a school district and my employer does not approve of such calls. The representatives name is XXXX. His number is XXXX. He has started getting rude with the secretaries at the school. I tried talking with them but they could n't give me a date of when this supposed loan went through not the name of the company. They will only tell me that it is XXXX XXXX is a subsidiary of the company they are calling for. They could NOT produce any documentation that I had agreed to. They just said I owed {$720.00}. They will only provide the attachment I have sent. Anyone could have made this up.
Consumer complaint received 2020-02-21
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. (FL)

I have just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Now because of these false accounts, I have no chance of acquiring any new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (CA)

Chase credit card provides an interest free period with the upfront payment of a transaction fee. The terms page with expiration date of the zero interest is at the end of the statement after the disclosures page and separated from the the main part of the statement. The expiration date for the interest free period is changed to blank on the statement for the month the interest is charged. However a XXXX percent interest is still shown. The expiration date for another XXXX interest advance is shown below it which can be misinterpreted as the expiration date for all advances. On the following month 's statement the advance amount is then placed in a different location showing the new rate. This is after the rate is charged. The changing of location of the advance amount, the excluding of the end date, along with a different date for another advance can make it confusing as to exactly when the interest free period ends. Other less significant information is more clearly provided. I have not had this confusion with statements from any other credit card companies. 
Upon contacting Chase, an agent offered to refer me elsewhere to resolve the problem. Later he stated he was aware that those alternatives were of no use. He stated that interest charges were not disputable. Several of my questions to him about disputes were not answered clearly or directly or were responded to with ambiguous terms.
Consumer complaint received 2021-07-20
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. (TN)

I XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law. This bureau is reporting incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by putting inaccurate accounts on their site without my authorization.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (NJ)

When researching my credit due to divorce I discovered 2 judgments against me that I was never made aware of. I attempted to contact Midland Funding using the address on the judgments and the mail was returned undeliverable. These accounts are fraudulent due to identity theft.
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Creditor has continuing to report a private loan that has exceeded 7-year period on my credit report. While checking my credit report, I notice an account from XXXX  that I believe is not being reported correctly on my credit report. On XX/XX/2022, I sent certified letter, to all three credit bureaus ( See attached ) letting them know that XXXX was reporting obsolete information on my credit report and so far, I have not gotten a respond from them. I am asking you to please help me to have this information removed from my credit report.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VA)

I entered a debt consolidation program about 2 years ago with XXXX XXXX XXXX. I included my Synchrony Bank/Amazon card into the program. I completed the program and paid all of my creditors in full. All three continue to report incorrect info to am three credit reporting agencies. XXXX, specifically is reporting the incorrect account number. On all three report the account continues to report as s charge off, even after several dispute attempts and providing proof to the credit reporting agencies that they have been paid in full. Not only ate they reporting an incorrect status, on XXXX they are reporting an incorrect write off amount. There are several errors and inconsistencies among a three reports. I am filing a complaint so that I can find resolve as to why they continue to report incorrect information after being paid in full. Even after several disputes. They are hindering me from trying to improve my credit score and situation. which is why I entered s debt relief program to begin with.
Consumer complaint received 2023-03-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (VA)

On XXXX XXXX, {$460.00} was fraudulently transferred out of my checking account by Venmo. The unauthorized transfer was to a vendor I hadn't used in over a year. After reporting the incident to Venmo, they froze my account, which prevented the vendor from sending the funds back to me. Although Venmo recovered the funds from the vendor, they have kept my account in a suspended/frozen status, and they will not permit me to transfer the funds back to my checking account. I've contacted them several times by e-mail and phone. They are insisting I send a photo of a Govt ID and a " selfie ''. I have told them I will not provide them with additional personally identifying information as their platform is obviously not secure. This type of information can facilitate additional fraudulent activity. I want them to unfreeze my account so that I can transfer my funds back to my checking account and permanently close this Venmo account.
Consumer complaint received 2019-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I paid off {$170.00} to ProCollect debt located at : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX over a month ago and even after I submitted a dispute with XXXX for reflecting that the balance is still owed ProCollect still has not updated my credit report. I was under the understanding that once I paid off the {$170.00} it would be removed from my credit and it's still reflecting that I owe them which I don't since it was paid in full.
Consumer complaint received 2022-08-30
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. (PA)

Divorce proceedings started XXXX finalized XXXX ex spouse was ordered to refinance via servicer modification was done in XXXX solely with ex spouse. I never signed anything beyond XXXX. I wrote directly to servicer and servicer returned a copy of my signature from XXXX and blank for XXXX via ex spouse modification however none of this was known to me at that time. Instead of servicer stating reason for communication was a dispute, they listed reason for communication was a name change? I also attempted several times to dispute information on credit reports and including returned to court in XXXX due to defendants noncompliance. Judge stated if issued remained unresolved, return so it can be enforced not excluding property being sold. Dates and signatures aren't adding up. I never signed anything post XXXX regarding loan.
Consumer complaint received 2021-08-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

Freedom Mortgage act transfer to them, XX/XX/XXXX made a payment. Escrow just changed advise I did not think it was correct because they transferred the XXXX from XXXX. XXXX was not showing. Per Freedom mortgage telephonic instructions it stated pay XXXX or the of minimum XXXX that I paid. Called Freedom XXXX ID # XXXX advise showing on my credit report as a miss payment which is incorrect. The late charged was removed advise they will investigate. Called on XX/XX/XXXX still checking called XX/XX/XXXX spoke to XXXX # XXXX will send in another request. Called again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The last letter from Freedom Mortgage dated XX/XX/XXXX, stated they are unable to honor my request and miss payment Is accurate. I advise on the last conversation I have a copy of the recording giving me payments options and it was just ignored. I made the minimum payment they required and I should not reported as a miss payment this is affecting my credit.
Consumer complaint received 2021-07-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (PA)

I recently discovered that the default settings on VENMO makes all transactions public. I received a payment from a friend and clicked on his name. I saw his transactions, dates, to whom, and his notes ( not amounts ). We are both sophisticated financial professionals and never would have thought or consented to this disclosure. They should make the default private. There is no valid reason for them to be so dishonest and disclose anyone 's transactions with anyone else.
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (RI)

I opened my Chase Amazon Rewards Visa card on XX/XX/XXXX and I became an XXXX XXXX member on XX/XX/XXXX. I used my Chase Amazon Rewards Visa card to purchase my XXXX membership. Per the terms of my credit card, I should have been receiving 5 % back for having an XXXX XXXX account paired with my Amazon Rewards credit card. 

Shortly after my opening my card I realized it did not appear that I was getting 5 % back but instead receiving only 3 % back. I called chase to ask about this and was told that I was in fact receiving 5 % back because I now had XXXX XXXX attached to the card. Over the next few years I have called XXXX and Chase regarding this issue as it appeared time after time that I was still only receiving 3 % back despite their claims that I would be getting 5 %. Both companies, XXXX and Chase, have placed blame on the other but I was still not receiving the correct rewards per the terms of my credit card which I have found to be Chases fault. 

Most recently, when calling Chase, I was told by a customer service representative on XX/XX/XXXX that they were unsure why I was not receiving the correct rewards percentage as they could see in the notes on my account that my XXXX XXXX membership was purchased annually with that card and that my XXXX membership has been reviewed by Chase. The person from chase I spoke with let me know that I should have been receiving the 5 % back as it was reviewed annually by the credit card company and she was not sure how that had been glossed over but she would fix the issue. 

Chase then sent me a letter dated XX/XX/XXXX letting me know that it was XXXX fault for not informing them I had XXXX, despite myself calling to tell them multiple times as well as my credit card being charged for XXXX annually since XXXX which was reviewed per a chase customer service representative. 

Chase has now closed the case insisting that they owe me nothing and have done nothing wrong and today when I called to once again ask for help I was hung up on by XXXX the customer service manager I spoke with. 

I would like the full rewards points I have earned for the last 6 years. I have earned these rewards and legally, per my credit card terms, they are owed to me. If this is not resolved in a more appropriate manner than blaming another company for Chase dropping the ball then my next step will be to seek legal counsel.
Consumer complaint received 2022-08-30
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. (AR)

I have filed and called and attempted to go every avenue to handle this situation. I have received no response from the bureaus nor from the creditors. the following files are FRAUDULENT and need to be permanently removed : 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 2023-05-18
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. (GA)

I would like to file a claim against Experian, XXXX, and XXXX to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's does not correct on XX/XX/23. XXXX responded stating that all information was removed and requested Experian, XXXX, and XXXX to remove the same information as well. However, all of the incorrect information still remains. Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MT)

XXXX XXXX XXXX has a remark in Experian " Affected by natural disaster. '' We spoke with XXXX, the employee asked if we were victims of hurricanes or tornados. I told her no, we live in XXXX. The remark is incorrect. She refused to remove it. 
We have never been affected by a Natural Disaster. This was an account with all on-time payments made for our XXXX.
Consumer complaint received 2022-02-24
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. (TX)

Equifax removed an inaccurate credit reporting in XX/XX/XXXX and then put it back on my credit XX/XX/XXXX. This has resulted in XXXX missed payments on my score. This was a lease agreement, not a creditor. They have falsely reported the account as a line of credit and Equifax knows this and yet they allowed missed payments to ruin my credit. In addition the claim was proven inaccurate and removed over a year ago and now they have put it on again. 

The original complaint was against a property management company, XXXX XXXX XXXX. The item was found to be incorrect and removed and then put back on without merit. The item was a collection for a lease agreement. It has instead been reported as a line of credit with missed payments. The original claim was fraudulent and deceptive to begin with and removed by Equifax ( I have attached two dispute numbers, I do not remember which it was and Equifax has since deleted the disputes and resolutions however they looked it up when I called and admitted they put it back on in error. 

Putting this false reporting back on to my credit over a year after the initial removal has severely damaged my Equifax credit score. When I disputed this the investigation was closed four hours after I filed it ( I attached the screen shot of the date dispute was started and completed. Both are on XX/XX/XXXX. ) .Equifax did not even investigate properly. 

I have called to resolve and they admitted it was an error on their part however they have yet to fix it. 

I am so distraught that Equifax would do this to me. They do not pay attention to what they are doing and they do not care what the repercussions are for consumers.