davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Kohl 's is using a text message platform to message me before the hours of XXXX and XXXX. Text messages have been received in the XXXX hour on the following dates : XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022.
Consumer complaint received 2019-07-21
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. (IL)

TO WHOM IT MAY CONCERN I AM XXXX YRS OLD AND I HAVENT TOUCH MY CREDIT IN YEARS. I GO RUN MY CREDIT TO BUY A HOME AND I SEE WHERE SOMEONE BEEN LIVING MY LIFE AND DESTROY MY CREDIT/LIFE AND MY DRIVING LICENSE ARE SUSPENDED DUE TO SOMEONE STOLE MY IDENTITY AND HAD A CAR IN MY NAME. THE ACCOUNT I BEEN DISPUTING ARE NOT MINE AND I HAVE A POLICE REPORT WITH IDENTITY THEFT REPORT. I NEED HELP BECAUSE THIS IS NOT ME THIS IS FRAUD PLEASE HELP ME.
Consumer complaint received 2022-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: OKCoin USA Inc. (RI)

i need to report a Financial Crime. XXXX stole XXXX dollars from me. I bought {$7000.00} woth of XXXX on XX/XX/2022 and was told that i needed to wait 10 days for my funds to clear. On XX/XX/2022 i tried to send my XXXX  to another wallet and okcoin told me that my account was under review by their Risk Management Team. The only Risk was the one i took dealing with these XXXX. So since i couldnt move my XXXX i converted it back to XXXX with hopes of withdrawing it back to my bank. When i tried to withdraw my funds i was told that my account was still being reviewed. Today i recieved a notice from XXXX ststing that my account has been closed and i can not make any withdrawals. So they have my money and tell me that my account no longer exist.. Complete Thievery... If this is the wrong Dept could you please forward this to the right people Thank you, XXXX XXXX
Consumer complaint received 2021-11-13
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: EQUIFAX, INC. (SC)

XX/XX/2021, I disputed that XXXX, XXXX and Equifax are reporting a inaccurate account. They are reporting a XXXX / XXXX charge off account with different, Date Opened, High Credit, Credit Limit, Last Reported, Date Last Active, and Date of Last Payment. The fair credit reporting act 15 U.S code 1681 state that a consumer report must be accurate. They are not reporting my credit report accurately. I have attached a copy of my most recent credit reports from all three agencies as proof.
Consumer complaint received 2021-11-13
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: EQUIFAX, INC. (TN)

A " XXXX XXXX XXXX XXXX XXXX  Visa XXXX '' credit card was opened on my XXXX XXXX insurance account XX/XX/21 by someone who was not myself as in the owner of the account. As XXXX XXXX is the provider of the " XXXX XXXX XXXX XXXX XXXX Visa XXXX '' credit card, I reached out to them Saturday XX/XX/21 in which I was informed there was a balance of {$19000.00} existing on the card. The XXXX XXXX fraud department representative said he voided the charges and locked the card. I myself would then receive a credit card in the mail ( along with documentation of the charges and account ) in which I would have to call the number on the card to officially close the XXXX XXXX account opened in my name.
Consumer complaint received 2024-04-05
Product: Credit card — Store credit 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. (FL)

I have a XXXX XXXX Credit Card thru Citibank. When I logged into my account to pay my XXXX statement, I noticed charges for {$1000.00} and {$560.00} that I did not recognize. I contacted citibank customer service and disputed these charges. I also asked for them not to send me a new card as this was the second time I had issues with unrecognized charges. Halfway thru XXXX I got an email about having a balance on a new XXXX XXXX XXXX. I hadn't even received or activated a new card yet. I checked my account an noticed XXXX charges for {$660.00} and {$110.00}. I called and disputed these charges and again asked them not to send me a new card. Today, XX/XX/2024, I received a letter to my account stating that my dispute was declined, and they have also issued me a new card again.
Consumer complaint received 2021-11-13
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: Experian Information Solutions Inc. (AL)

Disputed an acct and XXXX removed it XXXX XXXX then reported back on the report XXXX XXXX. I have pics to submit. The account was not opened by me is was a fraudulent acct and has been moved from all the agencies before now its back on all 3 reports. 
XXXX XXXX XXXX was removed by XXXX just to put back on in another day. Please investigate as to why this has occurred.
Consumer complaint received 2021-11-13
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: EQUIFAX, INC. (AL)

Disputed an acct and XXXX removed it XXXX XXXX then reported back on the report XXXX XXXX. I have pics to submit. The account was not opened by me is was a fraudulent acct and has been moved from all the agencies before now its back on all 3 reports. 
XXXX XXXX XXXX was removed by XXXX just to put back on in another day. Please investigate as to why this has occurred.
Consumer complaint received 2021-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

LVN FUNDING at C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$680.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and XXXX is still reporting positive payments.
Consumer complaint received 2017-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Lennar Financial Services, LLC (CA)

This was an issue in loan closing for the house we bought from Lennar in XXXX. My wife and I felt that pages of signed Loan Documents we signed from the assigned Mobile Notary were lost. XXXX was the designated title company for this particular deal and they contracted a mobile notary to come to our residence in XXXX to sign the loan documents. This procedure was meticulously undertaken and took over an hour to complete. Thick duplicate copies ( loan documents ) were left in our possession wrapped by a rubber band when the notary left. We were also told that she will review these signed documents, stuff it in an envelop and mail it overnight to XXXX. The following day, we got a call from the loan officer who informed us it can not be recorded since there are missing loan document pages and he was told that these pages were retained by borrower. Since my wife and I were in XXXX on XX/XX/XXXX, we drove to the office of XXXX to sign the alleged missing paperwork that day. Much to our surprise, the in-house notary brought out more than 10 loan forms that needs to be re-signed and most it, based on our recollection, were presented and signed in our residence in the presence of mobile notary. It presented a big red flag since it now appears somebody has these missing documents with our signatures. It was also discovered by the in-house notary that the Loan documents we were signing were in error since only my wife 's name should be in the loan and the Title will be in both our names ( underwriting error? ). This precipitated the re-drawing of a new loan documents. So we ended up signing 3 loan documents for this purchase. 
But recent email sent to me by the Title company contains a flimsy excuse to close this issue. They have accepted the mobile notary 's explanation that in the course of printing the second set of loan documents, the printer run out of ink and has to go to an errand to buy replacement. This caused skipping pages, thus the missing documents. However, due diligence will dictate that one has to compare the pages on computer file and the printer output. Another way is to compare the last printout with the first set that was complete ( We were told that we have the first batch that is why it is complete ). Surprisingly, the notary came to our residence without counter-checking the integrity of these loan documents. Finally, after leaving our house, the notary went to the office where an audit could have been performed prior to mailing these documents. 
I know that an admission for losing pertinent credit information, deliberate or accidental, is a serious matter since it put borrower 's information in jeopardy. In today 's technology age, one can not just ignore being victimized by fraud. This is our biggest concern regarding this matter and there has got to be an acceptable explanation to keep borrowers at ease.
Consumer complaint received 2022-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is 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 2022-04-11
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: Lyons, Doughty & Veldhuis, PC (NJ)

I received a letter from Lyons, Doughty & Veldhuis P.C. stating they entered a judgement against me for a XXXX account that I paid years ago. The never notified me of this ever but in the letter it starts off saying " As you are aware, a judgment was previously entered again me '' No, I am not aware because I dont owe XXXX anymore and if I did, shouldnt I have been made aware of someone trying to sue me?
Consumer complaint received 2021-11-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, PA XXXX. RE BankAmerica. Consumer Checking Acct XX/XX/XXXXChecking BA XX/XX/XXXXXXXX, Transfer scheduled to XX/XX/XXXXAcct XX/XX/XXXXXXXX XX/XX/XXXXCFPB, I am filing a complaint against BankAmerica XX/XX/XXXXreport a bank error, XX/XX/XXXXXX/XX/XXXXrecoup the loss I incurred because of it. 
On XX/XX/XXXX, XX/XX/XXXX @ XXXX XX/XX/XXXX, I sent a transfer of {$600.00} XX/XX/XXXXmy account at at XXXX bank ( XXXX ), called an outside bank. This was made XX/XX/XXXXfrom my inside my user profile at BA electronically. I paid for my transfer in 1-3 days I placed it before the bank opened XX/XX/XXXX. 
It never processed until the next XX/XX/XXXX. When funds didn't arrive at my XXXX bank ( Acct XXXX XXXX ) in time XX/XX/XXXXbe debited for a bill scheduled, XXXX paid it, XX/XX/XXXXaccessed a fee of {$36.00} I ask your office XX/XX/XXXXdirect BankAmarica XX/XX/XXXXremburse me for {$36.00} overdraft fee. It processed outside the normal schedule which I paid fo ( XXXX days ), Even as I contacted B/A on XX/XX/XXXX, morning, XX/XX/XXXX, XX/XX/XXXXsimply request XXXX reach XXXX anytime XX/XX/XXXXinform them said transfer was being sent BA refused, adamantly XXXX 
BA states XX/XX/XXXXisn't a banking day -- despite that I submitted my transfer before the bank opened that day. 
Thank you for your attention in this matter. 

Sincerely, XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2019-07-21
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. (IA)

TO WHOM IT MAY CONCERN EQUIFAX IS REPORTING WRONG INFORMATION ON MY CREDIT FILE I DISPUTED THE MEDICAL ACCOUNT OVER 5X AND I ALSO ASK FOR PROOF THIS IS ME. EQUIFAX NEVER SENT ANY PROOF TO MY ADDRESS TO VERIFY PROOF.
Consumer complaint received 2022-10-13
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. (SC)

My name is 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 2023-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

In XX/XX/2019, I opened a business phone account with XXXX. In XX/XX/2019, I canceled it. XXXX did not shut it off and it continued to accrue debt for 3 months in the amount of XXXX dollars. I was notified this year by Jefferson Capital group that I owed this money. They are a 3rd party debt collector. After speaking to 15 people at XXXX, I was told there was nothing they could do to help me prove it wasnt my debt as it had already been sold off. Even though they admitted I never should have been charged and it wasnt my debt. Now Jefferson capital is affecting my credit trying to collect this debt that I legally do not owe.
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

Someone got ahold of my chime bank debit card and my XXXX XXXX debit card and made multiple unauthorized transactions. I notified both banks filed a dispute XXXX XXXX has reversed the charges on my account but chime bank has not. I dont own a firearm  and the Michigan state police can verify so which a few of these transactions was made at gun stores, clothing stores, atm withdrawals, gas stations mind you I dont own a car thats what my funds was for dmv can verify I dont own a vehicle nor have one registered to me, and XXXXXXXX stores
Consumer complaint received 2021-11-13
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (TX)

* My XXXX had a Chase XXXX Visa * Account was opened XX/XX/XXXX * Business name is XXXX XXXX. 
* For 14 years XXXX XXXX. paid this account never missing a month * XXXX XXXX is a XXXX XXXX XXXX XXXX * Chase never recorded payment on my personal credit account before * XX/XX/XXXX, XXXX Hit a bump in the road renters stop paying their rents due to covid-19. 
* XX/XX/XXXX was first time ever XXXX missed a visa payment * Chase put missed payment on my personal credit report that month and every other month after changing the XXXX  account to a personal account with credit agencies and sending me a credit card with my name on it instead of the XXXX name XXXX as usually. 
* I never signed the credit card on the back accepting personal payment * My XXXX XXXX XXXX made 14 years of payments that was never reported to the credit reporting agencies as a personal account. 
* First reporting in XX/XX/XXXX, on personal credit my XXXX  owed in the area of {$3500.00} that chase posted on my credit.
Consumer complaint received 2022-10-13
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$43000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-11-13
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. (FL)

XXXX XXXX XXXX refuses to remove the balance of {$33000.00} from my credit report. My XXXX was traded back in XX/XX/XXXX and paid in full by XXXX of XXXX XXXX. I have a paid in full letter from XXXX but they refuse to update and report the balance as {$0.00} to all credit bureaus and this is lowering my score and debt ratio. According to them they will remove this amount in XXXX which makes no sense since the balance is {$0.00}. Very unfair and makes no sense.
Consumer complaint received 2020-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (TX)

XXXX has for last 7+ years been restarting the claim saying i owe them money when they broke contract by screwing up my phone i had has a back up and putting it on the account of who i bought the newer phone from and would not correct it, kept raising the bill every month and wouldn't correct it, repeatedly called and harassed me and threatened to take me to court and sue for past due amount. original account is over 7 years old so how does it keep renewing and showing up?
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I opened up a Business Advantage Credit Account with Bank of America through a company for which I am part owner, XXXX XXXX ( XXXX XXXX ). BoA has me listed as a guarantor on the account, which I never agreed to. Additionally, Bank of America has erroneously associated this business credit card account as a personal account and they have linked it to my personal accounts at the bank. 

This account has some business debt on it and has impacted my personal credit score. I have reached out to BoA multiple times first via phone and then twice via letter as follows : On XX/XX/year>, a letter was sent via certified mail to their credit department requesting a copy of the consent form and documentation that they allege I signed assuming responsibility of guarantor. The response I received was simply a validation of the debt owed. 

On XX/XX/year>, I followed up with another letter sent via certified mail requesting the proper detail and rearticulated the issue and my position. On XX/XX/XXXX, I received a response back from them stating that they were not able to process my inquiry. 

Documentation for your review is attached. Thank you in advance for your assistance in escalating this matter and helping to resolve. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-16
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. (IL)

I have a hard inquiry that is fraudulent somebody else did it. I didnt do it its not mine. The inquiry is FB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The phone number is XXXX. Just wont report it in XX/XX/2022.
Consumer complaint received 2021-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX refuses to remove the balance of {$33000.00} from my credit report. My XXXX was traded back in XX/XX/XXXX and paid in full by XXXX of XXXX XXXX. I have a paid in full letter from XXXX but they refuse to update and report the balance as {$0.00} to all credit bureaus and this is lowering my score and debt ratio. According to them they will remove this amount in XXXX which makes no sense since the balance is {$0.00}. Very unfair and makes no sense.