davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERNST, ARTMANN AND ASSOCIATES, INC. (CA)

I received a medical debt in the mail that was not mine. I wrote the collection agency Ernst , Artmann & XXXX, INC to inform them the debt was n't mine and I was a victim of identity theft. They responded by writing on top of my letter with " this is not a credit account ... '' and again I disputed the debt because it was n't mine and was a result of ID Theft. They again returned my letter I written with a handwritten response on my letter and failed to adhere to the fact the debt was n't mine and a result of ID Theft. This debt is fraudulent and has never been validated. It was been past the 30 days as law provides to validate this debt. 
I then check my credit and found the collection agency reported this fraudulent account on my credit file causing a major credit diminish to my exceptional. 
This collection agency never validated this debt within 30 days and then knowingly and purposely reported this fraudulent account that is not mine on my credit report. 
The is a defamation of my character, malicious intent and a violation of my FDCPA, CA XXXX XXXX and California Identity Theft Act
Consumer complaint received 2021-12-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TX)

My mortgage was originally held by Suntrust ( Truist ). 
I refinanced with XXXX XXXX XXXX. The refinance closed XX/XX/2021. 
Suntrust withdrew {$1400.00} from my bank account on XX/XX/2021 -- after the mortgage had been paid off and transferred to XXXX XXXX XXXXXXXX. 
I have attempted to resolve this online -- but their system no longer allows me to log in. I have attempted to resolved this by phone, but their automated system does not recognize my old loan account or social security number. 
I can not locate a useable email address or any other way of contacting them and thus am filing this complaint in hopes of reaching someone who can refund my money that was illegally drawn for a closed mortgage account.
Consumer complaint received 2019-10-10
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: CITIBANK, N.A. (WA)

On XX/XX/2019 I purchased a plane ticket for 2 friends and myself with my citi card. 
The amounts totaled {$2200.00} ( 3 tickets ), and {$210.00} ( 3 seat assignment ). 
On XX/XX/2019, the airline I purchased from ( XXXX XXXX XXXX ), went " insolvent '' and bankrupt. All XXXX XXXX flights were cancelled and the website immediately went down, there was no customer service available. 

I called Citi credit card services XX/XX/2019 to let them know what happened and to find out what my options were. I was told, even though the airline I purchased from went bankrupt, that because my flights were through a sister airline ( XXXX  ) that I shouldn't do a dispute until my flight/booking was cancelled. 
I have spent the last 3 weeks struggling to get verification that my booking was cancelled, and was finally informed XX/XX/2019 that it was and that I no longer had a flight. 
I can not request a refund through XXXX XXXX because they no longer exist and my flight was not " ATOL Protected ''. 

I started the dispute process with Citi yesterday XX/XX/2019, only to be told that it could take up to 45 days for an answer, and there was no guarantee I'd get any money back from anyone. 
The rest of my holiday is booked and set to begin XX/XX/2019, so I have 62 days to purchase a new flight for 3 people, when I've already spent {$2500.00} that I may never get back through no fault of my own. 

I should have started it as soon as the airline I purchased from went insolvent, but my card company told me not to. Now I am 3 weeks further behind. 
I have been a Citi customer in good standing for years. 
This situation is a very unique reason for a dispute ( Airline bankruptcy ). I have also never filed a dispute over any charges and use my Citi card daily.
Consumer complaint received 2023-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (AZ)

This not my first time reporting US BANK to you, I reported them when they refused to accept payments from the HAF program via housing. After my housing assistance stopped I was still sick from XXXX I was already dealing with a hardship from a XXXX XXXX XXXXXXXX. Which I had to go in to forbearance in XXXX after I ran out of money. US BANK is not a bank that helps customers when they are having payment problems. I have a long time hardship at the moment so I called Us Bank in XXXX due to the continuance of my hardship they put me on a 3 month forbearance plan which was set to end on XX/XX/XXXX. I did some research and I went to Fannie Mae 's website to see what other options and help was available .... I read about the flex modification/ hardship modification the I emailed customer support to tell them about the previous problems and my current situation with US Bank around XXXX. A representative did not contact me till about 2 weeks later, She called me and I missed her so she left a message her name was XXXX, I returned her call but i believe she had left her office so I left a message. When we finally got a chance to talk she told me that I should apply for a long term hardship modification and I need to hurry up and send the application in before XXXXshe said I can see that's when your forbearance ends. She told me where I could locate the documents so I went online found them printed them out and filled it out. US Bank told me I had to call them again to extend the forbearance but I learned my lesson last time, I faxed the modification application about a week or so later they sent my a notice in the in their banking website. When I read it I called them up, I told them what do you mean by is my hardship over? I would not have sent the application if I did not have a hardship, the representative told me they could only help me if my hardship was over. I told her that is not what XXXX told me she said let me educate you on how the modification works. I told her I already read how it works and talked to a representative from Fannie Mae. I also told her during my search that I read US Bank doesn't offer real help to the customers when they need mortgage help. She said, " That's not true. '' I started to tell her I had to report this bank to the FCC for not wanting to accept my mortgage assistance payments, but I was mad at this point I told her I should at least have a trail period then I hung up. Us bank has decided not to contact me about extending the forbreance instead they reported a default on my credit report. I wonder if my race place a part of how they treat me? When I paid the XXXX dollars to catch up with the last forbearance I had with them soon as my account was current they hurried up and put delinquent on my credit file making my credit score plunge. This bank is just like all the rest HORRIBLE I do not have any other account with them because of that fact.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP (FL)

My XXXX credit report incorrectly lists an open auto loan with a balance from American Honda Finance. I sent a dispute with XXXX who contacted American Honda Finance who informed them the information was correct and no changes were completed. I contacted American Honda and they told me that that account was closed with XXXX balance. I contacted XXXX and they told me that American Honda reported the account was still open and there is a balance. Both companies are blaming the other for the mistake yet no one will remove this information from my credit report.
Consumer complaint received 2019-10-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (MN)

They are contacting family members when they have my contact information and no that I do not live and reside at that address and phone number. The person calling is XXXX XXXX, acts specialist from Chase Pk services. Phone:XXXX XXXX XXXX, ext XXXX.
Consumer complaint received 2018-02-25
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: Army and Air Force Exchange Service (MD)

I was shocked when I reviewed my credit report and found late payment on the following accounts and dates below : Im not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my statement got merged with someone else 's account did not get to me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2017-05-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GMA Investments, LLC (IL)

I received a letter from the original creditor on  XXXX  of  2016  with all documents stamped as paid  XXXX   XXXX   2016 . I had gotten the occasional call about the debt and explained it was paid and faxed the papers to a company did n't hear from them again. Now I constantly get phone calls fro m Summit Receiving sayi ng it 's not paid. One person gave me their email so I sent the email to them with pictures of the documents. I received another call today told them I already gave it to them, I had to call back because he hung up on me when he called me which is what happens every time they call me. He told me he reported it to the credit bureaus then read off my SSN and told me multiple times " your credit is destroyed now ''.
Consumer complaint received 2019-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I opened amex gold card because of XXXX welcome bonus advertisements. 
when I received it, I confirmed XXXX welcome bonus and all requirements. 
I spent more than {$3000.00} as required. and amex said I am not eligible to get welcome bonus. 
if they gon na give or not situation, they should not advertised for welcome bonus. 
their advertisements shows anyone who can get this card will get welcome bonus as promised.
Consumer complaint received 2017-05-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Trident Asset Management, L.L.C. (PA)

I sent a notice of debt validation lettwr to the company. They never sent me a copy of a signature page from  XXXX . I called  XXXX  and they states that they have no debt in my name. I sent the company a letter stating that I was willing to settle the debt because I 'm trying to buy a house and wanted it removed off my credit. They sent a responding letter back saying they would settle for {$75.00}. I sent them a responding letter stating that since  XXXX  had no information that I 've had an account with them in my name they needed to now send me proof. They failed to do so?
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over XXXX letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over XXXX letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!
Consumer complaint received 2022-12-15
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. (NC)

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my XXXX XXXX. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 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 2019-10-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (GA)

Have called Sychrony Bank several times regarding my account was issued a bank card in XX/XX/XXXX that I applied for was issued the card was not able to use the card because I was told I had to prove my identity 4 days after applying for the account it was reported on my XXXX   then XXXX  and XXXX credit report so I mailed out ID and prof of address by priority mail. I keep calling to ask have they received mail and I get no answer XXXX from the fraud department says the process can take up to 30 days to be resolved so my question is why report this to my credit report if I can not use the card or if you did not think I was the person that applied for cards. As big as this bank is i think there should be a safer way to identify a person which they sent a text message to my phone number on my credit report I also have locks and pay for credit monitoring on all 3 of my reports but that was good enough so they asked me to MAIL my identify to them which i think is unsafe and puts me at risk for identity theft. Who sent it ... 
XXXX XXXX ( Sender 's street address omitted intentionally from this email ) XXXX, GA XXXX Who will receive it ... 
SYNCHRONY BANK XXXX XXXX ( Recipient XXXX XXXX address omitted intentionally from this email ) XXXX, OH XXXX US Sat XX/XX/2019 XXXX XXXX Who is carrying it ... 
The XXXX XXXX # XXXX XXXX Carrier detail ... 
USPS Priority Mail Tracking details ... 
Tracking No. : XXXX Shipment ID : XXXX Order / Item # : -- Reference # : -- Ship date Wednesday, XX/XX/2019 Delivery date ... 
Sat XX/XX/2019 XXXX XXXX
Consumer complaint received 2019-09-24
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.
Consumer complaint received 2020-12-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-10-10
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: Experian Information Solutions Inc. (TX)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting of lates is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (FL)

Account Name : XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Bank Account # XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Card XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX Bank XXXX, has violated my rights .

15 U.S.C 1681 section 602 ( a ) states I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-05-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc. (NV)

I personally went to the credit bureau and explained to them any medical Bill 's I've had I was fully 100 % covered I had Medicare Medicaid and an insurance. I was never sent a bill for this. I talked to accountant XXXX XXXX XXXX XXXX is her number. She informed me that these Bill 's are old. She in formed me that all I really owe is something like {$23.00}. On one of the Bill 's.
Consumer complaint received 2019-10-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

To Whom It May Concern, On XX/XX/XXXX I was on my XXXX XXXX  noticed my score had dropped from an account I was an authorized user on a XXXX XXXX which was opened XX/XX/XXXX. Total credit Limit was {$7400.00} on said card. This was probably a cousin of mines account who forgot to remove me as an authorized user as I haven't seen that card In years. I called XXXX to remove myself from the account they told me I needed the last 4 digits of the card # which I do not know.

All I want to do Is either be told the last 4 digits so I can take the right steps to have myself removed as an authorized user through XXXX XXXX. This was reported from Equifax. I can be reached on my personal cell if any questions. My number is XXXX or XXXX. 

When I gave my social to XXXX XXXX they only had my actual cards on file.