davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-29
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. (CA)

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment from XXXX XXXX
Consumer complaint received 2018-07-01
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: Resurgent Capital Services L.P. (GA)

Around XX/XX/XXXX, XXXX XXXX XXXX allowed someone to open an account under my name, I never opened, approved, applied to this company or even spoke to them. Someone received a credit card for the amount of {$400.00} and immediately Maxed it out. I wasnt aware of this account until i received a letter from a collections agency demanding payment. The account closed after 120 days of non payment in XX/XX/XXXX, i have reported this numberous times to all three credit agencies and XXXX XXXX XXXX   refuses to remove it. I have sent numerous requesting verification of the debt with no response over the last 6 Months. They are unable or unwilling to send any form of verification. I have spoken to XXXX XXXX XXXX directly and they refer me to the collection company that the debt was sold to, I have contacted the company many months ago and they removed the item from my credit report after my requests for verification were unable to be accommodated. I wish to see this removed from my credit reports and have since then placed a credit lock on all 3 credit agencies on behalf of myself.
Consumer complaint received 2017-04-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I currently have XXXX accounts with Chase XXXX personal and XXXX joint. On my personal I was charged XXXX {$34.00} dollar charges for insufficient funds on my personal acct. As far as I understand if you cover your insufficient fund fee before the end of the night you are ok. My fianc quick paid me the money at XXXX, I had no idea that there was a cut off time and the money would not go through I received an email and on my phone app it showed the money as positive. They are staying I signed the terms but honestly I did not read line for line nor did the person who opened acct explained. The only thing I am aware is the if you have insufficient funds you will get charged if acct stays negative. I have money in my joint acct do you think if I knew this would have happened. I attached XXXX pictures XXXX of my email confirmation of quick pay and also I transferred the remainder XXXX of the negative from my other joint acct last night my app showed me positive. You can see XXXX*XXXX=XXXX my acct is -XXXX I have not made any transactions since last night. Which shows the act was not negative. I did not know there was a time limit to quick pay believe me if I did I would have transferred the money from my joint acct which is with my fianc same person who quick paid me. This is unfair!!!
Consumer complaint received 2021-07-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

On XX/XX/2021 someone opened a bank account in person at Santander Bank XXXX XXXX XXXX, XXXX pa XXXX with my I.D but the person looks nothing like me. When I spoke to the branch manager whom opened the account I felt like he was taking up for the person whom opened the account in my name instead of having remorse for me. 
I found it hard to believe a branch manager is that irresponsible to let someone open an account with an ID that looks nothing like them. We trust these banks with our hard earn money beliving we are protected. I feel like he was in on this fraud account and he '' s apart of a scam ring. Because he is the bank manager, he is the ring leader. He wound not give mew any information and was very rude. He almost got into a fight with my husband. I didnt know banks hire thugs. Please if someone can please help me.
Consumer complaint received 2018-04-28
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: JPMORGAN CHASE & CO. (OH)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Chase has allowed someone to fraudulently use my information in applying for a credit card. I have contacted them numerous times and have had the cards and applications shut down, however the hard inquiries are still on my credit report.
Consumer complaint received 2022-10-09
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Bank of America has rejected an incoming ACH two times after I provided the information to XXXX so they could refund a payment made in error to XXXX XXXX XXXX XXXX via online bill pay. XXXX manages XXXX XXXX XXXX XXXX Credit Card. I have now incurred two account maintenance fees because my account is below the daily minimum which would not have been the case had they not rejected the incoming wire. Why is the wire being rejected? Bank of America is well aware of this issue as I originally filed the complaint with them.
Consumer complaint received 2022-02-25
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

I ordered a package XXXX which my package was stolen before I arrived home i called XXXX to dispute they request poloce report I provided that they refuse to refund my moneyXXXX  with all the information they need. 
I dispute with my credit card company they applied XXXX credit, XXXX months later they stated i lost the dispute and backcharged the amount.. i made a payment XXXX XXXX they made it hard for me to make my payment restrictions my account and loed to my face about XXXX not refunding me my money XXXXXX/XX/XXXX.called XXXX on 3wat with bank and XXXX stated they refunded the money XXXX bank is over charging me and they are not disputing or helping me in anyway they are withholding my money even after i have paid my balance in full.. i am asking for help to have this matter resolved asap within 7 days it is affecting my credit score and lively hood i cant even get approval for apartment because of the mistakes capital one made.. and they are treating me like i did something wronge by trying to lay my bill off saying fraud on my account and finding any reason to avoid giving mewhat is rightfully XXXX XXXX refunded it so why is any balance still pending on ym account going into XXXX if i was refunded..
Consumer complaint received 2022-02-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

My debit card was used in XXXX at a business called XXXX XXXX on XX/XX/1921 at XXXXXXXX XXXX. I have thorough physical evidence of XXXX plane tickets on XX/XX/XXXX going to XXXX  XXXX. I did not make nor authorize this purchase. I called my bank- America First credit union and cancelled my cards as my card was stolen and filed a dispute. My bank said they would give my money back and then did not, my account is still in the negatives. I tried calling said XXXX XXXX after receiving a letter in the mail from my bank with their information on it and received no reply. I called my bank and they said they would not do anything even tho I have proof I was not in the area and could not physically give anybody authorization to use my card.
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (FL)

i reach out to DIVERSIFIED CONSULTANTS reguarding them reporting a debt to my credit report with a complete different social security number, had to call over three times to get the account info so i can call the creditor also was blind transfer to a manager voice mail.who was previous rude as XXXX, without a care in the world.everytime i try to make me pay for another account that was closed out for fraud already in a different state i dont live in..worst experience i every had dealing a collection agency.also i never recvd any calls nor validation of the debt know as validity to dispute this matter before reporting this matter as all..
Consumer complaint received 2021-07-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

Fifth Third Bank denied loan application for an Equity Flexline of credit. 
The loan was denied after more than 60 days of processing, which included ordering credit reports, requesting proof of cash reserves, a completed appraisal of property, tax returns, proof of income, etc ... 

The decision noted for the decline was " Ineligible property type for second lien mortgage ''. 
First, when asked " property type '' the answer was clear, concise and unambiguous ; 2 unit building. The discussion regarding the purpose of the loan and the property type were well noted. Especially since the property 's current home equity loan is with and to be replaced by Fifth Third Bank. Why would we the owner of the property provide misinformation about the property type knowing that Fifth Third has current loans ( 1st & 2nd ) and can easily verify accuracy? Doesn't make sense! With that said, why did Fifth Third Bank lead us to believe that we were applying for the appropriate loan, all the requirements were met, awaiting limits of credit and a closing date. Therefore, to get this type of reason for a decline appears to be less than honest, collaborative and deceptive lending practice by Fifth Third Bank. In closing, Fifth Third just simply decline ; offered no suggestions, no alternatives and no explanation of how this unthinkable mistake could happen. Why? Perhaps, this type of practice is normal. However, we will not accept this type of treatment. We will work diligently to make our case to all appropriate agencies or bodies until results are equitable regarding this matter!
Consumer complaint received 2016-03-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

The amount of the debt was extremely escalated. When I asked them to show me proof of the additional amount, they were not able to. I attempted to pay what my lease states that I owe and they completely ignored me. 
The debt in question is a result of normal wear and tear from living in an apartment. Also, there was prior damage when I signed my lease. 
I sent certified letters to all parties trying to resolve this issue. All parties ignored me.
Consumer complaint received 2022-02-07
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2021 Chase Credit XXXX  notified me my credit score dropped almost XXXX points. After a lot of investing, it turns out Chase sold my AARP credit card to XXXXXXXX XXXX and gave incorrect, outdated personal information on me so that I never received a bill or any contact at all from XXXX regarding a {$60.00} payment due. ( Not even my correct last name ). That resulted in a delinquency on my 14 year Excellent credit score and dropped me from XXXX to XXXX. My credit reports history speak to how responsible I ALWAYS am. XXXX balances every month for 14 years, except my mortgage. I spoke with Chase and they said their records are purged. I spoke to XXXX XXXX XXXX  and they said they won't help.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc. (VA)

After reviewing my consumer report I am concerned about some information that has been reported, I believe that my consumer rights have been violated according to 15 U.S.C 1602 ( g ) there is no valid proof of the evidence of indebtedness with this credit transaction. 15 U.S.C 1602 ( k ) I was not provided an adequate notice that clearly showed I owed this debt, and because of this, I made an uninformed decision by a computerized agreement. 15 U.S.C 1602 ( p ) unauthorized use because I did not benefit from this transaction. According to 15 U.S.C 1681s-2 ( a ) on ( 09/01/21 ) this company then closed the account and furnished an account on my consumer report without my consent. 15 U.S.C 6802 Gramm-Leach-Bliley : 15 U.S.C 6802 ( a ) ( a ) Notice : This company directly disclosed my personal information to multiple nonaffiliated third parties, and did not provide me with a notice that complies with section 6803 of this title. This company did not have my verbal consent to use and share my information with other nonaffiliated institutions, which by law is a violation of identity theft. 15 U.S.C 6802 ( d ) This company disclosed XXXX late payments to nonaffiliated third parties which still reflects on my consumer reports. 15 U.S.C 6802 ( b ) Opt-Out This company actively disclosed my nonpublic personal information to nonaffiliated third parties which such financial institutions did not clearly and conspicuously disclose this information to me, in writing or in electronic form under section 6804 of this title, that such information may be disclosed to such third party ; This company has never given me the opportunity, to initially disclose this information, and refuse that such information shall not be disclosed to such third party ; and that I am given an explanation of how the I can exercise the nondisclosure option. I have never received an opt-out explanation from this company for the duration of my extension of credit. ( XX/XX/XXXX ) - ( XX/XX/XXXX ) After this company closed my account on ( XX/XX/XXXX ) the company customer representative explained that I would have to reapply for my right to extend credit, I then applied for my right to extend credit and was denied 9 times over the course of the year XXXX - XXXX. Which makes this company liable to 15 USC 1681 ( a ) ( 2 ).
Consumer complaint received 2021-10-29
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. (IN)

I reciently reviewed my credit report and saw a collecton on my account. XXXX XXXX XXXX # XXXX. This account is not mine and need to be deleted. I am a victim of identity theft. Also this inquiry is not mine XXXX, XXXX, XXXX XXXX and need to be deleted.
Consumer complaint received 2021-10-29
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. (IN)

I reciently reviewed my credit report and saw a collecton on my account. XXXX XXXX XXXX # XXXX. This account is not mine and need to be deleted. I am a victim of identity theft. Also this inquiry is not mine XXXX, XXXX, XXXX XXXX and need to be deleted.
Consumer complaint received 2018-08-28
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: ALLY FINANCIAL INC. (SC)

My ex husband forged my name on a vehicle loan while we were still married. Its still on my credit report. It needs to be removed ASAP. 
Ally financial will not remove it. It was paid off in settlement for {$26000.00} Date opened was XX/XX/2010. I disputed it but they still will not remove.
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: PENTAGON FEDERAL CREDIT UNION (TX)

Working with Senior Mortgage Processor XXXX XXXX with PenFed FCU has been a nightmare to get a mortgage on a home in Texas. She did not communicate well at all, and actually was unresponsive to e-mails for more than 10 days, a complete failure in such sensitive processes as a mortgage application and executing a closing schedule. For more than a third of the window in which I should have been able to communicate my questions and concerns, PenFed 's representative was unavailable. 

The scheduled closing date for the home/loan is Monday, XXXX XXXX. Within just a few days of closing, XXXX began to communicate about problems she was having and additional documents that were required. All of the documents requested in the beginning of the loan application process were provided within 3 days of the request, and now ( Friday, XXXX XXXX, more than 20 days later ) there may be documents required at XXXX on a Friday for my closing the next Monday. This unfortunate use of XXXX 's time may result in a delayed closing on my home. 

From the questions being posed to the title company by XXXX, it does not appear she has a clear understanding of Texas real estate sales, to include the way property taxes are done in Texas. I would caution anyone who gets a mortgage application assigned to XXXX to quickly speak with a supervisor to request your processor be changed.
Consumer complaint received 2022-02-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a dispute to Equifax for multiple inquiries that I do not recognize on my credit report all done within the same day. The dispute was opened and closed as verified on the same day. There was no investigation in to the validity of the inquiries I disputed on my credit report. I would like the description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number.
Consumer complaint received 2019-01-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP (MI)

Key bank is claiming to have an account in my name owing money, Ive tried to explain this was not my account and gave the the police report number for ID theft and they still reported it to XXXX XXXX XXXX. Now I can not even open an account and this needs fixed ASAP.
Consumer complaint received 2019-10-08
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. (AZ)

Equifax ; XXXX and XXXX are reporting incorrectly ( 120-180 ) days late on XXXX partial account numbers XXXX. ( Please see page attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-02-07
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. (CA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2015-11-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (CA)

Every day, sometimes twice a day, I get an autodialed call from Central Credit Services stating that " This call is for XXXX XXXX. If you are not XXXX XXXX, call XXXX. '' I called the number numerous times and explained that I am not, nor have I ever heard of a XXXX XXXX and to please remove my number from their list. I called the number again this morning after I got yet another call from them. This time their mailbox was full and I could n't leave another message. I believe this is harassment as they call early mornings and I 'm an older person. The only thing I can see that XXXX XXXX and I have in common is our initials. The gender is not even the same. It does n't look like they have any intention of stopping these phone calls. Oh, and at XXXX point the automated message says, " if you continue to listen, we will assume you are XXXX XXXX '' or something to that effect. The problem is, you ca n't disconnect. If you hang up and pick up the phone again, the recording is still going until the end.