davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2022, I called Bank of America using the toll free number on back of my Bank of America Cash Rewards Credit Card to ask for a reduction in interest rate. They informed me that they could lower my interest rate slightly but that they could also offer me a 0 % Promotional APR on Balance Transfer from my XXXX XXXX XXXX XXXX which is good until next year. I told them to go ahead. I also asked if they could increase my credit limit. He said he could and that it would only involve a " soft pull '' of my credit. He assured me that it would not be a hard credit check and would not affect my credit score ( I had discussed with him during our phone call that I was not interested in opening a new credit card because I did not want to affect my credit score by opening a new line of credit ). After the call, an alert came through from XXXX saying that an Inquiry had been made from XXXX. I thought it was odd but figured it was just some sort of connection that Bank of American had with XXXX and that " soft pulls '' still triggered alerts. Today, a XXXX XXXX XXXX XXXX XXXX arrived in the mail. A sick feeling overcame me. I have never felt so violated. Bank of America has not only stolen my personal information, but broken my trust. My credit score has changed and my credit opportunities are more limited as a result of what has been done. Please advise on how to undo this damage and how to hold Bank of America accountable for its actions.
Consumer complaint received 2022-07-07
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: EQUIFAX, INC. (FL)

Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Florida XXXX I have proceeded to send all ignored/disregarded disputes and complaints to the following personnel at your agency XXXX XXXX Executive Assistant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX President, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Chief Executive  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX PLEASE SEE ALL ATTACHED FILES
Consumer complaint received 2022-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (GA)

Hello..Ive consistently sent letters and have gotten no response, Im concerned about invalid items/inaccuracies on my credit report with all 3 bureaus pertaining to Midland Credit Management.Im under stress after seeing this problem on my report as it is disrupting my livelihood due to the adverse impact its causing.
Consumer complaint received 2022-01-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (MD)

A fraudulent Chime account was opened in my name. On XX/XX/2022, I received an email from XXXX, Chime CEO welcoming me to Chime. On this same date, I received another email alerting me to a new login to my Chime account ( fraudulent ) from an XXXX  device in XXXX XXXX, CA. On XX/XX/2022, I received an email from XXXX informing me that the email address associated with my Chime account had been updated to a different email. I contacted My ID Care on XX/XX/2022 to report this and was assigned to a Restoration Specialist. The Restoration Specialist was able to get someone on the phone at Chime. The Restoration Specialist shared he was able to get someone on the phone by sharing my personal information such as DOB and last four digits of my SSN. The Restoration Specialist and I spoke to the person at Chime on XX/XX/2022. She said she would elevate to their fraud department and provided me with a case number. She said I would hear from the Chime Fraud Department within 24 hours. I never heard from Chime in response to this complaint. On XX/XX/2022, I received a Chime XXXX XXXX card in the mail. On this same date, I sent an email to XXXX advising them that I received the debit card. I informed them that I did not open a Chime account and this was reported to Chime on XX/XX/2022. I requested confirmation that the Chime account was closed as well as the debit card. I asked if debit cards in my name were sent to other addresses. I also shared that I reported this to my local police. As of XX/XX/2022, I have received no response from Chime. I want confirmation that all accounts in my name have been closed as I did not open any account at Chime. I am very upset with the lack of communication from Chime on my complaint about the account and the debit card.
Consumer complaint received 2021-05-12
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. (NY)

There are items on my credit report that are violations of the FCRA that I request to be remove expeditiously for violating my rights as a consumer. There is invasion of my privacy and defamation of my character. No consent, Identity theft!
Consumer complaint received 2022-01-21
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. (MI)

Information was removed from my credit report by each bureau collectively suggesting that the items were unverifiable or erroneous, however ; the very same information has managed to reappear on my credit report without any reasonable measures or investigations taking place to prevent this from happening. I also have not received notice of the reinsertion which I believe to be a requirement of the FCRA.
Consumer complaint received 2022-01-21
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. (MI)

Information was removed from my credit report by each bureau collectively suggesting that the items were unverifiable or erroneous, however ; the very same information has managed to reappear on my credit report without any reasonable measures or investigations taking place to prevent this from happening. I also have not received notice of the reinsertion which I believe to be a requirement of the FCRA.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Roosen, Varchetti & Olivier, PLLC (MI)

I have contacted Roosen Varchetti & Oliver by telephone and by mail and asked for a copy and summary of what is owed on my account. As it relates to mail I have not received a response and the letter was sent last month. As it relates to telephone I was informed that I can not receive a copy of the ledger for this account. This is troubling to me due to the fact that I am being garnished by my place of employment and I don't want to pay more than what is owed. For some time this company has not treated me with respect. Initially they withdrew money from my bank account and then I made a payment plan with them that they would not put in writing. I don't understand what kind of practice runs a business where they do not want to provide documentation to the individual they are receiving money from. In addition, the amount that I owe from my own standpoint is completely different then what they have on their site. They do not have a ledger on the website nor a summary of what has been paid. I would like that as it is only right and appropriate.
Consumer complaint received 2022-07-07
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. (NJ)

XXXX XXXX continues to provide false and misleading verification to credit agencies XXXX, Equifax XXXX XXXX even after suspending the right to share reporting. In accordance with Fair Credit Reporting Act, XXXX XXXX has Violated my rights to share records without my permission. In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights. - Please delete this account based on inaccuracy & because, In accordance with the Fair credit reporting act, XXXX XXXX XXXX my rights 15 U.S.C 1681 Section 602A. States I have the Right to privacy. 15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not Furnish an account without my written instructions.
Consumer complaint received 2021-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (RI)

On XX/XX/2021 my banking account was compromised. The hacker had taken all of the money in our savings account and transferred it to our checking in hopes of being able to use it. Fortunately, I noticed the transaction on Sunday, XX/XX/XXXX. I called the bank immediately and they transferred my funds back to savings and put a hold on my accounts. The hacker had already tried placing an electronic transfer to the company called XXXX XXXX on XX/XX/XXXX but because it was the weekend, it didnt attempt to clear until Monday, XX/XX/XXXX. The transfer had been declined because I had XXXX XXXX put a hold on all of my accounts. Now I have a company called TRS services contacting me about a debt that I owe to XXXX XXXX. I will attach all three letters I have recieved. I dont have an account with XXXX XXXX and I tried to contact them and ask them to clarify that but they were no help. They dont even have a contact number to speak with someone over the phone. I really have no idea how the business works. I dont owe the company anything. My bank account was used by another person.
Consumer complaint received 2022-01-21
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. (MD)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022.
Consumer complaint received 2021-08-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (CA)

Received this notification from Discover Bank that I have an option to limit my privacy from Discover by calling their customer service at XXXX XXXX. 

I called Discover and asked them to limit my sharing with other affiliates. 

The respondent asked me an entourage of questions - My social security number, my verbal password, mother 's maiden name and then my name. 

She said that I have been opted out of Discover bank sharing my information with its affiliates but refused to provide me any kind of confirmation. 

Please see the notice attached. 

Now tomorrow if Discover do share my information I have no proof that I called them to discontinue sharing my information and this is bizarre and a fraud.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX the XXXX, someone made 2 {$100.00} fraudulent credit card purchases with my account at gas stations that I have never been to. In fact, it was in cities I have never been to. Bank of America was quick to catch it and place it on hold. I was sent a new card and got refunded for the purchases. Today, almost 2 months later, B of A tells me that I am responsible for the charges because they think I made the purchases. I explained Ive never even been or heard of the locations that the purchases were made and I would like those charges removed. I was told they could not remove the charges.
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: XOOM CORPORATION (PA)

A transaction to transfer {$200.00} to a recipient in XXXX was initiated by me on XX/XX/XXXX using my Xoom account. This money was to be deposited in the recipient 's bank account which I thought was a more secure process than a cash delivery The recipient didn't receive the money his bank account on XX/XX/XXXX as promised by Xoom based on the transaction fee that I was charged. I followed up by calling Xoom and was told the transaction has gone thru '. I also tried checking the transaction details online by signing into my account to make sure all the details were accurate. However, the recipient information was only partially available at this point. I could only see the name and the residential address but no bank details. 
I called again and also emailed Xoom cutomer service on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Xoom continues to say the transaction has been completed but the recipients has not received the money till date. Xoom has failed to share the bank statement. Also everytime I call I have to start explaining the issue all over again. There are no notes added or collected when each call is made. Every call is over 45 minutes with NO RESOLUTION!! 

I would like to know what happened to {$200.00} and the fee I paid.
Consumer complaint received 2022-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AZ)

In XXXX of 2020, I inquired about an extension on my mortgage with Chase Bank. I sent them an email and said the following, " my hours were cut. Can I have a 30-day extension? Chase enrolled me in a COVID-19 Forbearance Assistance program without me even signing any paperwork. They also added forbearance to my credit bureau status on the mortgage. I never agreed to be on the forbearance program. Now I'm trying to refinance my house, and the new lender needs a letter stating the following : " Provide documentation from JPMCB showing when the mortgage was released from forbearance along with the source of funds used to pay off the forbearance balance ''. I inquired about getting this letter several times, and they still have not been able to give me the correct letter. Since I have not received the letter, it has caused the refinance on my mortgage to be delayed. Chase needs to send me a letter with the information above. I never once asked to be on a COVID-19 Forbearance assistance plan. I simply just asked about a 30-day extension.
Consumer complaint received 2022-01-21
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. (FL)

Midland funding, the most crooked trash to ever disgrace our country. I have been fighting this for 5+ years. In XXXX, my identity was stolen, and as a result, I have to file specially with the irs. 2 years later, this and a couple others magically appeared on my credit record. Most have been removed, by other, more reputable companies. The collector has been notified of the id theft, and received confirmation in XXXX, I believe. It was removed from my record, only to reappear a year later. Since, this predatory collector has falsified information to the credit bureaus repeatedly over this time. I have sent 3 letters requesting verification of debt, and only once received anything : a stack of blank paper. Theyve ignored my requests for this debt that I have nothing to do with, and due to them, ive had a much lower XXXX XXXX than i earned. This is illegal, and im a step away from suing for the hardship due to a falsified credit report. My credit would be perfect if not for these unethical sacks of refuse.
Consumer complaint received 2019-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FirstPoint Collection Resources (NC)

On XX/XX/2019 I seen an entry under my credit file under Firstpoint Coll Resources Inc for a collection for {$56.00} for XXXX XXXX XXXX. I have not received any notice from this company saying that I have the right to dispute this debt nor do I owe this debt. This company has violated the FCRA as it states that i must revive a notice of collection.
Consumer complaint received 2022-01-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (CA)

Today XX/XX/2022 I received 25+ letters in my mailbox of the EXACT same attempt to collect a debt that I owe for a toll road, possibly causing some of my other mail to be returned because of the over flow of excessive mail from the same debt collector. I had already received twice daily letters from the original creditor and now this. I think its super excessive.
Consumer complaint received 2021-05-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (FL)

In XX/XX/2019 I lost my employment and then my home was adversely effected by a sink hole on my property. The sink hole damaged my well and I had no water. I had to fix the well and plumbing situation with my own funds as insurance would not pay. I fell behind on my mortgage. Then XX/XX/XXXX hit and I was again out of work and my boyfriend who also lives in the home lost hours and was not reimbursed. I called my lender and went onto the forbearance plan under CARES. I then contracted XX/XX/XXXX and have a XXXX XXXX XXXX of XXXX. I became very sick and ended up in the XXXX XX/XX/XXXX. I was there for over a month and am still dealing with long term effects from XXXX. I read online that XXXX XXXX was extending the forbearance another 6 months for those of us still being effected. I called Mr. Cooper and was told they would not extend my forbearance. I am still too ill to work and need the additional time. I am coming to you for help.
Consumer complaint received 2019-08-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management (NC)

I recently checked my credit report and saw their was a collection under my credit report under Amerifinacial Solutions for the client named XXXX XXXX XXXX PA for {$140.00} reported on XX/XX/2019. I do not know of any XX/XX/XXXX nor have I ever received any bill or notice from this collection company that shows proper verification that I owe this bill. Under the FCRA the debt collector is required to send me a notice of collection and give me 30 days to respond.
Consumer complaint received 2022-03-28
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. (MN)

After dealing with XXXX XXXX on a Auto loan incorrect reporting to the credit bureus. Loan was Paid off in FULL XX/XX/XXXX of XXXX. They are marking XXXX of XXXX Payment late even though I had spoke with multiple XXXX on phone over weeks leading up to sale of truck that I was in process of selling truck and it would be paid in full. Truck was sold on XX/XX/XXXX I called XXXX XXXX that day ( XX/XX/XXXX ) to ask if I should make XXXX payment being it would be 30 days on XX/XX/XXXX. Their response was it was not needed and they will make note of account to state vehicle had been sold and payoff was being sent. This didnt happen and 30 day late mark went on my credit EVEN though before it was reported as " late '' they recived full payment for the vehicle before they marked it as late, I got the alert around XX/XX/XXXX and by that time they had already had full payment for the truck. And the payment the are marking late is the last payment which was included in the Payoff. I was never late on any payments to them leading up to this, I kept in contact with them to make sure nothing would be marked late and even offered to make payment day of to avoid a 30 day. I was assured it would be noted on account that vehicle was paid off in full and assured no negative marks would happen. After speaking with them again and again I am told that those " cutomer services reps '' do not have the authority to make those calls. Well when I am told by a rep of their company the above how am i suppose to know I need to go to a different person that makes that decision when it was never offered to me. I have spoke to multiple people now at XXXX XXXX and they all tell me they agree with what happened wasnt right, but they cant change what was reported. Attached is a copy of the sale of Truck on XX/XX/XXXX For the XXXX XXXX XXXX They have also reported to the XXXX bureaus incorrectly/different on what month. Than on XXXX shows paid as agreed XXXX it shows it was XXXX payment Experian Shows XXXX XXXX Shows " Paid, Closed ; was Paid as agreed ''
Consumer complaint received 2019-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (NY)

Midwest recovery systems have been attempting to collect a debt that have negatively impacted my credit score close to 6 months. I am completely unaware of what the debt is, I have tried to resolve this by placing disputes with every credit bureau and somehow the collections remains on my report. I have reached out to Midwest recoveries myself and I am constantly transferred from person to person and never get an answer about the debt.