davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-03
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: Innovis (OH)

My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX XXXX I work for XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX I would like to request a security BLOCK on my credit file in your office asap. I would like a full report as well.
Consumer complaint received 2019-02-03
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: MIDFIRST BANK (CA)

Filed bankruptcy with XXXX XXXX  in XX/XX/2012 but they never reaffirmed. I continued to pay then loan was sold to XXXX XXXX  .... loan is current but still not being reported to any credit bureaus.
Consumer complaint received 2019-02-03
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 have an account that is unverified on my report the I have filed a FTC ID THEFT REPORT. I am looking to buy a home this year and I have done everything to deal with this account with no help from XXXX XXXX # XXXX.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma (FL)

Credit Karma is the alleged problems to all my inquiries, several alerts I received from them the odds to receive a credit and the falsely advertisement that it wouldn't affect my credit score. I even emailed them about this, I have so many inquiries and everyone comes from credit karma. And it has affected my credit real bad.
Consumer complaint received 2019-09-18
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2019-02-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Robert J. Colclough, III (FL)

I have 1 bill on my credit for XXXX  and I have attempted to contact them 30+ times to remove this. I have not been successful. I've called the collection company, left messages and sent letters. No reply. This is not my debt. I am not sure where they are sending this bill or why it is on my report.
Consumer complaint received 2022-09-02
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. (NY)

I have tried repeatedly to get my report updated and all three bureaus keep reaging my accounts and saying that they were verified when I know they were not verified. The dates and amounts are all incorrect. Last active and Last reported are all showing different dates, the amounts are all wrong and the comments like account closed and when it was closed are all wrong. These are just some of the inaccuracy I have found and Have repeatedly sent letters regarding it but I am very aware they are not actual people looking at these letters. I do understand that they letters go through XXXX system which will automatically kick out a verified letter. This is unfair.These Bureaus need to be stopped.They can not continue violating the rules and think that it is ok to do so. They are reporting inaccurate information and its causing havoc on my end. They have violated many FCRA Rules especially the 15US Code 1681s-2 and ( 623 ) ( A ) ( 7 ) amongst many others. They are treating many as well as myself unfairly.
Consumer complaint received 2019-02-04
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. (FL)

Credit Reporting companies are reporting that I have 30 days late of a payment that I made to XXXX.

I never made 30 days late of a payment the other person that is making the payment made the payment 14 days late remove and update my credit report.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (CA)

I couldnt pay my account in full in XXXX, so I called Nordstrom Visa to request for consideration to remove the monthly interest charges due to financial hardships brought about by the Covid-19 pandemic. I received a positive response to have it removed and made partial payments to my account. Unfortunately, I received a new statement with the interest charges still on my account with additional interest charge which gives a total of {$30.00} in interest charges alone. I called again on XX/XX/XXXX and was informed that Nordstrom Visa doesnt remove interest charges even on the basis of the Covid crisis.
Consumer complaint received 2018-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

I have submitted several debt validation and verification requests to Resurgent Capital Services over the past year. The most recent communication I have received from them was on XX/XX/XXXX that stated that they believe my request for debt validation was " submitted on a form supplied to you by a credit repair organization. '' And that they refuse to investigate it because it is " frivolous and irrelevant. '' On XX/XX/XXXX, the above stated company received a certified letter from me that was typed with my name printed in blue ink pen. As it has been 30 days since they have received my request and have yet to respond I would like to file a complaint.
Consumer complaint received 2017-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX and I have talked about how their representatives told me what I owed back in XXXX 2016 and after paying what they said I owed, they reported me 30/60/90 days late, knowing full well this was false. I was misled and now they are purposely reporting false information as some type of retaliation for what reason I have no idea. XXXX XXXX XXXX 's customer service is horrible and they are misleading credit agencies by using all the reporting agencies to punish me for something I did based on what THEY told me to do. It makes no sense!
Consumer complaint received 2021-02-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Two charges of {$9.00} and {$49.00} that happened on Sunday XXXX, Capital One post them like if they happened on Friday XXXX and charges me fees total of {$70.00}
Consumer complaint received 2022-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (VA)

Received a warrant in debt on my doorstep without being properly served which is illegal in this state. Further, I have no one to speak with regarding this other than the collection agency, which is also illegal. Midland Credit Management is not listing the legally required information for the lawyer representing them in this case, as required by law. Further, they combined two separate accounts into one to file a lawsuit for a warrant in debt, I can not be served for two separate accounts under the same lawsuit.
Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (AK)

XXXX XXXX is signing up consumers for their Platinum card under false pretenses. I have now had the card two times. First in XXXX and now beginning in XXXX. The first time I signed up for the card I was offered a sign up bonus of XXXX points after spending a certain amount ( I believe {$3000.00} ). At the time I was denied the bonus because they said I signed up not using the right weblink and code. This was ridiculous since I did everything I was told. I tried the card again this XXXX because they are supposed to offer excellent benefits, however they defrauded me again saying I am not eligible for the bonus since I have had the card in the past. I understand they are dissuading consumers from attempting to open multiple cards to accumulate bonus points. However this doesnt apply to me. Each time I paid the $ XXXX yearly fee. Both times I was defrauded by XXXX XXXX. I contacted the company several times and they wont listen. XXXX XXXX even went as far to say that their records did n't go back long enough to verify whether I got the bonus in XXXX or not! They believe they are untouchable because the average consumer doesnt have the resources to file a lawsuit. Please help me with XXXX XXXX! d
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am writing to express my deep frustration and concern regarding the closure of my personal checking account with Bank of America. It was closed on or around XX/XX/XXXX, and I was not notified of this action. 

When I attempted to pay for my medical bill, I discovered that my account was locked. Upon contacting the account closure department, I was informed that there were two options to retrieve the outstanding balance left in the account 1 ) Withdraw from a financial center if request is approved or 2 ) wait till account is officially closed to have a check mailed out. I submitted a request on XX/XX/XXXX to withdraw the funds at one of your financial centers, but I have yet to receive a response or any updates. I was informed this request usually take 5-10 business days. The request was put in XX/XX/XXXX and it is XX/XX/XXXX and i still haven't received a response yet Moreover, the estimated official close date for my account was XX/XX/XXXX, and it is now XX/XX/XXXX, but I have not received any confirmation on whether the account has been officially closed or when the check will be mailed to me. 

This situation has left me unable to access my life savings and essential funds needed for my medical expenses, rent, and other financial responsibilities. I have a XXXX scheduled, and I fear I may miss it due to this incident. 

I have been trying my best to be patient and respectful throughout this process, but the lack of communication and delays are causing significant distress and financial hardship. 

I urgently request your assistance in resolving this matter and providing me with prompt updates on the status of my account closure and the issuance of the check.
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

Inquiries are fraudulent and were not authorized. I continue to dispute them with Equifax who is telling me that they are verified as true and they are neither verified nor true and I want them deleted! Hard inquires are as followed XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AR)

Someone used my social security number to apply for so many things and it gave me so many hard inquiries I have around 30 hard inquirys that need to be removed that I did not do because I did not have any credit at the time so I didnt even apply for anything because Im only XXXX but now that I got credit those inquirys are affecting my credit score now that I have built my credit that I worked so hard to do! Here are the credit inquirys that I would like removed. Someone tried to apply for cars, credit cards all types of things I dont even recognize none of these companies but after you guys remove these I will be doing a credit freeze on my report! Please help me the best way you guys can! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CrossCountry Mortgage LLC (MD)

I XXXX  a term regarding HELOC and sent the link with a definition to my husband. Somehow, a lender contacted my husband trying to make a sale. My husband stated " let me talk to my wife '' and ended the call. This lender, sent information to my husband regarding options and ran both of our credits on XX/XX/22. 

I have never spoken to this gentleman to give him permission and my husband did not give permission either. 

The persons name was XXXX XXXX ( Loan Officer ) with Cross Country Mortgage.
Consumer complaint received 2019-02-02
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: BARCLAYS BANK DELAWARE (TX)

I ordered an item from XXXX that I never received I made a dispute with the credit card company and they denied my claim and they had really no evidence towards me ... I am their customer and my package was either stolen or delivered to the wrong address but they are still making me pay for it ... I even have a police report stating that
Consumer complaint received 2018-04-21
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: Collection Consultants of California (CA)

I went to the er on XX/XX/XXXX for a minor XXXX. Long story short, the hospital used wrong equipment on me and tried to treat but was not able to. on the admission forms I did not provide my social security number, but did go thru my health insurance anthem XXXX XXXX. My suspicion is that XXXX gave the hospital my social security number without my authorization or knowledge, only to find out later it was reported to my credit report.
Consumer complaint received 2022-03-07
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. (NJ)

XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$990.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/2021 are reporting on my personal credit file with ( Equifax/XXXX/XXXX ) credit reporting agency . These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXXredit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me
Consumer complaint received 2019-02-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (CA)

Pasted below is the correspondence I set the company Receiveables Performance Management of XXXX, WA. It describes what I believe is an incorrect attempt to collect a debt without providing any documentation or basis for the debt collection. 

Dear RPM, Re : Your letter of XX/XX/2019 Reference Number XXXX On XX/XX/XXXX19 you sent me a letter stating I owed a debt of {$170.00} to XXXX XXXX XXXX XXXX. I have no relationship with a vendor by that name. This is not a valid debt. Your attempt to collect it is incorrect. 

Please provide me with documentation to support your collection and confirm receipt of this communication. If you can not provide information to support your claim within 30 days I will file a complaint with the California Attorney General 's office and Consumer Financial Protection Bureau and may take further legal action without further notice to you ( except where required by law ).
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

A check that I had placed in my mailbox on or about XX/XX/22 to be mailed out to pay the bill to the water company was taken at some point either from my mailbox or during mailing and altered for a different amount and made out to a different person, and my account was debited for {$6800.00} when the check was originally made out for {$100.00}. 

I noticed this issue on XX/XX/22 and immediately notified Chase Bank, my bank. The following day, I went in and filed a fraud claim with Chase on XX/XX/22. I received a letter from Chase about two weeks later that they had filed a claim with the other bank on my behalf. I have still not received my money back and have had no further update from Chase. My understanding is the other bank that cashed the altered check is XXXX  XXXX XXXX.
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

I contacted the company but to no avail. They have failed to return my calls or emails. 

This is a violation of the Fair Credit Reporting Act Section 604. I believe this was not a permissible purpose for a consumer report and feel heavily discriminated against.

The Equal Opportunity Act, 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act.

I have no idea how these inquiries got onto my report. I was alerted by the  Experian app of inquiries that are not recognized on the report. I do recognize them and i want them off my report.
Consumer complaint received 2017-07-01
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. (GA)

XXXX  has me with a final balance that falsely includes the fee of an un-returned router that has been confirmed as returned by a  XXXX  rep via email correspondence. The balance that has been reported on my credit report is inaccurate.
Consumer complaint received 2023-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

My client 's monthly mortgage statement has listed two methods for contacting the servicer listed, with a single point of contact, XXXX XXXX. There is a phone number with an extension for XXXX XXXX and an email address : XXXX. 

My client has tried more than five times to reach Marisa Iglesias at the number provided and has been unable to reach her. She said that she was on hold during one of these attempts for several hours, only to be hung up on by the automated system. 

I emailed XXXX a Request for Information on XX/XX/2023. The email came back undeliverable. I tried again the next day and after over 50 hours of retries, gmail was unable to deliver email to the address. I tried it from two separate computers and a cell phone and all came back undeliverable.