davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant XXXX and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2017-08-28
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Financed a vehicle from XXXX of XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX. After paying down payment & signing paperwork, went to get insurance and was told my insurance company vehicle had savage title ( I was unaware ). Called company and spome with XXXX who sold me vehicle and she says was unaware as well. Only option I was given was to keep and pay on vehicle for 15 months and would let come back and do a trade on another vehicle ( which would result in another credit as well as down payment, basically starting all over XXXX when i wouldve been half way through current loan. Also some other issues with the vehicle, some of which company had fixed, others I got the run around on. Months into having the vehicle it broked down as well as leaking from roof and doors causing mold on carpets and ceiling. I emailed XXXX XXXX said nothing can be done so told her where the vehicle was and told could pick it up because I refused to invest anymore money into fixing or payments. She said would send someone out for vehicle, have it repaired and sold at XXXX. XXXX was recovered and placed on my credit as VS eventually but I never recieved anything on what was sold for or anything. XXXX on my credit for what I originally owed. Every month or so the balance would go down to XXXX and then back up again to almost {$7000.00}.
Consumer complaint received 2016-01-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ)

This is the second time I 'm contacting your organization with regards to my private student loans through HESAA ( New Jersey loan agency ). I 'm concerned about my amortization schedule. To my approximation, I 've made about {$76000.00} in payments over the last 4.5 years towards my principal balance ( based on monthly payment schedule ), yet the balance has only decreased by about {$6000.00} in the same time period. I 'm concerned they are not applying the proper amount to the principal balance and applying it primarily to the interest. With this lopsided allocation of interest over principal, I am not sure how the loan will be paid according to the terms of the agreement.
Consumer complaint received 2022-04-13
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: JPMORGAN CHASE & CO. (CA)

On XX/XX/22 at XXXXXXXX XXXX XXXXXXXX, I called Chase Bank to inquire about a credit card transaction and the rep who answered gave me all the details I requested regarding my account without verifying my identity. I added a mandatory password to my account and asked for a supervisor. The supervisor, XXXX from the XXXX MO location, said she would file a complaint and have someone listen to the call but I would not get any updates or info regarding the resolution. She got rude with me and hung up in my face just because I was concerned for the protection of my personal data. 
I asked for a transcript of the call but she told me I had to get a court to subpoena the record if I wanted it and they would not release it to me. She also refused to give me the name of the original rep.
Consumer complaint received 2022-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/2022, XXXX XXXX dollars were taken out of my savings account with Bank of America and it was an unauthorized transaction. The next day, XX/XX/2022, I decided to check my balance to see if I could buy myself food and see how much money I would lose from doing that and I see that under my checking account amount my savings account said XXXX XXXX dollars. I clicked the number and found that the rest of my savings has been taken from me without my knowledge of how it happened because that was not an authorized transaction. I decided to call Bank of America after I realized to get told by 2 different employees that they could not do anything because the transaction was still processing and that once it is processed then they can help me dispute the transaction. The 2 employees also informed me that the transaction was done through a XXXX account and that I have to get in contact with XXXX because XXXX is who can get me my money back, not Bank of America. I then decided to call XXXX, and I was then told that because the money is processing and Bank of America is allowed to freeze my account so the money does not leave and then I can get my money back. So, I called Bank of America again where I was told the same thing as the first two employees informed me to do. After that, I decided on Monday, XX/XX/2022, I would go to the closest Bank of America ( location XXXX XXXX XXXX XXXX, XXXX SC ) which I arrived around XXXX XXXX  and, when I talked to somebody I was told that the money has been processed and that the only thing I can do is call their customer service number and claim fraud because that is not their job at that branch. After that I went to a different one the next day, Tuesday, XX/XX/2022, around XXXX XXXX  ( location XXXX XXXX XXXX XXXX XXXX SC XXXX. There I told them what happened to my account and the two women asked me " did you give somebody your phone because, it was a transaction sent off your phone, '' and " did you call the number that the money was sent to? '' One of the women ( whose name is XXXX XXXX ) then proceeded to write down the person who did this to me number as well as my XXXX name and told me " to call the number and get my money back. '' After I was told that I went to my car where I eventually found out about this company and is now making a claim about it.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NV)

On XX/XX/XXXX I was the victim of identity theft and fraud. My information was phished and the thieves used my information to XXXX the last XXXX dollars to themselves and proceeded to open a personal loan in the amount of XXXX. I immediately called citibank and reported the fraud. I was told that my account would be locked and protected. During the time of the ongoing investigation my paycheck was direct deposited into the locked account. I have called several times to get help to regain access to my account as I need the money to pay bills, buy food, and get gasoline so that I can go to work. I have XXXX small children and a sick wife and I can not go on without my money. When I call into CitiBank to explain my situation and get some help I get told misleading information. I was told to go to a physical branch and they could resolve my case. I drove two and a half hours to the nearest branch and was told that there was nothing they could do for me. I called for an update on my case as I have received no information or updates and was bounced around from wrong department to wrong department and eventually hung up on. I have clearly explained my situation to every person I spoke to and yet it seems as if there are no notes on my case being recorded and no action taken to resolve my issue so that I can have my earned money. They are holding my money hostagXXXX and refuse to offer me any solutions or help. Being ignored, and given false information and not being able to access money that is mine has left me struggling and XXXX. There should be an easy solution to my problem. I've done everything they've asked, I've provided them with a great deal of detailed information and yet there is no communication from CitiBank.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I pulled my credit report and noticed a charge off from XXXX XXXX that had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on TransUnion. I sent a notice to the creditor requesting for a 1099-C form on XX/XX/2022 but they failed to reply and I sent a follow up response on XX/XX/XXXX, and they failed to respond again. 

This information needs to be deleted because by law it is inaccurate, since a charge off is classified as INCOME and INCOME isn't reported on credit reports. XXXX has understood this, but TransUnion still has not deleted this information that needs to be deleted.
Consumer complaint received 2019-10-10
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: U.S. BANCORP (CA)

On XX/XX/2019 I redeemed 7250 points for three gift cards through US Bank FlexPerks Rewards Program. I received an order id number and confirmation e-mail from US Bank of my transaction. The XXXX Id XXXX. I never received the gift cards and I contacted US Bank Reward Card Services approximately 3 weeks later to find out the status of the gift cards. I was advised by the customer service rep that the cards were sent out. She also informed that she would start an investigation as to why I did not receive the cards. I then received a letter from Cardmember Services dated XX/XX/2019 that stated that US Bank would not reissue the cards, because the credit card account was closed. 

As I am a long time account holder with US Bank, and I frequent the branch on a regular basis, I went to the local branch on XX/XX/2019 and asked employee XXXX XXXX to look into the matter for me. She made calls to the Reward department and was advised by supervisor that they were unable to issue the cards because it was 30 days since the account was closed. 

She advised them that when the order was made the points were in the account and eligible for redemption and that the cards should be re-issued. The employee at the Reward Center refused. The branch employee also stated that she has encountered similar problems with the Reward Center in the past. 

Today, XX/XX/2019 I called the Reward center directly and spoke to supervisor XXXX and he also refused to issue the gift cards. 

It is unfair of US Bank reward department to refuse to issue the gift cards that I am entitled to. I earned the points using their credit card, and redeemed the points that were available to me in my active credit card account on XX/XX/2019. I subsequently closed the credit card account some time after I redeemed the points because I did not want to continue to pay the high annual fee on the credit card.. The points were available to me and the gift cards should be re-issued.
Consumer complaint received 2022-04-13
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: World Acceptance Corporation (VA)

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 an account without my written instructions I did not give anybody written instructions
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

XXXX XXXX XXXX XXXX Loan care has unlawful collect PMI even thought ; law says Im not obligated to pay They have COLLECTED APPRAISAL FEES {$450.00} BUT FAIL TO DO AN APPRAISAL refuse to remove P.M.I. and escrows despite home value is 55 % Loan to Value ratio. 
its been 5 months since request IN XX/XX/2019. 
PLEASE HELP
Consumer complaint received 2022-04-13
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. (AL)

I the consumer am not a third party but acting on behalf of myself submitted a request regarding some fraudulent inquiries that I do not recognize nor did I authorized. My personal information was exposed in a data breach and may have gotten into the hands of the wrong person. I have yet to receive any response to my dispute from any of these credit agencies and its been more than 45days. From what I read on the FTC website when I submitted my request for these fraudulent items it stated 4 business days so how does that turn to 45days?
Consumer complaint received 2022-04-13
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. (FL)

FRCA Violation auto loans XXXX XXXX FRCA Violation credit card XXXX XXXX  FRCA Violation other loans late payment XXXX XXXX XXXX XXXX FRCA Violation hard inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRCA Violation collections XXXX XXXX XXXX FRCA Violation personal information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-13
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. (MO)

15 U.S.C 1681 section 602 A - right to privacy 15 U.S.C 1681 Section 604 A - States a consumer reporting agency can not furnish an account without my written Instructions! 

Ive also sent a letter which will be attached! The letter was sent in XX/XX/XXXX and I have not heard anything back! Its been past 30 days
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CT)

For no reason at all synchrony bank lowered the limit on my Walmart card and XXXX card. It has impacted my credit score and I have always paid on time and carried very little balance on either card. It is unfair and harmful to my credit score.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

Us Bank XXXX XXXX XXXX XXXX Account number XXXX Routing number XXXX US BANK XXXX CA XXXX THEY OVERDRAW MY ACCOUNT AND NOW THEY ARE HOLDING MY FOUNDS AND MY PAYMENTS.. AND MY MORGAGE LOA. EVEN I PROVIDE THE LATTER LOAN APROVAL THEY LEFT ME ON HOLD FOR AN 1HR AND 30 MIN AND THEY HANG UP AND SEND ME TO A SURVEY AND NEVER GOT HELP WITH. AFTER THEY TRANFER ME WITH 5 DIFERENT PEOPLE AND THEY COULDT GET IN THE SISTEM. 
THANK YOU FOR REVIEWING MY PETITION.
Consumer complaint received 2022-04-13
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. (NY)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. XXXX XXXX Date Opened : XX/XX/2018 Balance : {$160000.00}
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi, my name is XXXX XXXX and I have been trying since XX/XX/22 to get in contact with the three credit bureaus transunion, XXXX and XXXX in which they have never gotten back. I have several delinquencies on my credit in which the bureaus don't respond and get back to within 30 days, I have not received results of my investigation and they are saying as an excuse that it is not me trying to contact the bureaus on my credit. I have been dealing with these issues for some months now across all three credit bureaus and I need this fixed as I am trying to get a home. None of the information is verifiable as they either ignore me or throw it back on which XXXX has done on numerous occasions but shows me no proof of the information I am disputing as to how it is my debt and validated. I am reaching out to the CFPB as after dealing with this for 6 months I am done with my rights being violated, ignored and taken advantage of.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (TX)

Someone used my personal information to obtain services with XXXX XXXX XXXX in my name without my knowledge or consent. Franklin Collection Services has placed this fraudulent account on my credit report in the amount of {$640.00}. The last activity date was XX/XX/2020 I contacted Franklin Collection Service and informed them that this account was fraudulent and they stated that they would have to contact XXXX XXXX XXXX regarding the account and wait for a response before they could give me a response about the account. 

I sent Franklin Collection Service a copy of the FTC report and ID Theft Affidavit that I filed as well as a request for them to validate the debt. I have not heard anything else from them.
Consumer complaint received 2017-08-28
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: EQUIFAX, INC. (NV)

Still having an account listed by name of XXXX XXXX/XXXX XXXX  showing on my report ... ... is not mine ... ..XXXX XXXX  acknowledged they have no contract with me, they acknowledge thy can not verify who opened account, which is why they also placed in their " internal Fraud file '' ... .yet XXXX, along with other credit reporting agencies continue to permit this to show on my file.XXXX has no document that verifies this account is mine either. So, if XXXX has no documents, XXXX has no documents, XXXX has no documents, Equifax has no documents ... ... .on an account that I do n't have/nor ever had ... how is it I am the one left with the XXXX stick, and having to deal with BAD INFO??? This system of " credit reporting '' is a very archaic, broken system ... ..of inaccuracies and unverified sources. I am beginning to better understand the system ... .if it 's wrong ... ..list it ... ..if it 's unverified ... ..list it ... ... if it is not theirs ... ... list it ... ... great system of bondage ... ..who needs ropes and chains ... .. an inaccurate credit report ... which is REALLY A DEBTOR REPORT, replaces ropes and chains mighty nicely.