davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Innovis (GA)

To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.
Consumer complaint received 2017-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management (TN)

At the request of a horse owner, I called the  XXXX  out to a barn where I was assisting. I signed a form confirming that services were performed for the owner 's horse. I have never had an account with this provider, but the horse owner did. I have asked numerous times for them to show some proof that I am responsible for this debt, and never get a response. Obviously because I have never signed a contract with them or had an account with them. I want this removed from my credit report as it is not, nor has it ever been my responsibility. I did not own the horse, and was simply doing a favor for the owner. I can not get any response.
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (TN)

Citibank ( LLBean Visa ) wrongly reported high credit usage to XXXX that downgraded our credit rating from Very Good to Good. We regularly use a large % of this credit card and pay ot off completely each month, often early. Yet Citibank reported unusually high credit usage. XXXX did nothing when we disputed this reporting. No one at Citibank has been able to help or explain this sudden credit reporting change. It appears that Citibank is abusing its power by penalizing customers who do not agree with their XXXX policies.
Consumer complaint received 2020-02-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IN)

I have attached the complaint letter that I sent to the Lender, JP Morgan Chase along with the pertinent documents that follow the time line during their process. 

I believe they did a bait and switch on me, treated me disparately, and their customer service is deplorable.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a fraud claim this XX/XX/2021 when I found out that someone charged me {$1300.00}. I called the company before XX/XX/XXXX but I was on hold for more than an hour so i decided to call them the next day which I had to wait for another 2 hours. 

After 2 hours being on hold, I was finally got connected with someone and told them that the 3rd party charged my account with multiple transactions in different days totaling {$1300.00}. So, this company, canceled my previous card and issued a new one and created a fraud claim. 

And I was told that my account would be credit right away. After the phone call, i waited 1-2 business days but I didnt receive a provisional credit that the company promised. So i had to call them 5 days in a row but they were pointing fingers and that even though the claim was escalated, the customer service associates told me that their computer has the final decision if the claim get denied or not. 

Then, today, I checked my mobile bank and found out that my claim got denied without any reason. No calls, emails or text messages.
Consumer complaint received 2022-10-11
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. (TX)

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 


In accordance with the Credit Reporting act XXXX XXXX Account # 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 a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (SC)

I tried opening a checking account online, but was told that truist couldn't verify me and was suggested i visit a branch instead to open an account, so i did. I opened an account yesterday at your XXXX XXXX location ( XX/XX/XXXX ) and the lady ( XXXX  ) that helped me open an account was helpful, except there was one thing she said that caught me off guard. I asked for the temporary debit card that your sites clearly states someone will get when opening a checking account ( proof shown below ), but was told that wont receive one. I receive an email the next morning that states my actual debit card was shipped out and i should receive it in 5-7 business days, the issue is the email also states that i need to destroy any temporary debit cards that i might have when i receive the actual card ( proof shown below ). I then visited a branch located in XXXX XXXX instead ( XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX ) in hopes to actually get the temporary debit card i was promised twice so far. The blond lady i spoke with told me multiple times that i cant get a temporary debit card ( even after i showed her your site clearly saying i can get one ) and she also said that i apparently have to wait at least 90 days before i can get an actual debit card. While she was explaining that to me, i overheard the manager in the background talking with another employee about temporary debit cards, meaning it heavily looks like I'm simply being discriminated against for some reason.
Consumer complaint received 2019-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

I have an acount that is 7 years old and according to the Fair Credit Reporting Act. that acounts that are 7 years or older should be removed. I have deputed this account with Experian Report Number : XXXX
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 {$10000.00}, {$0.00}, {$8100.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$8100.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$0.00}, {$8100.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account.
Consumer complaint received 2017-11-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XXXX XXXX I purchased a XXXX XXXX XXXX XXXX XXXX in the the amount of {$13000.00} that 's including all taxes and fees from XXXX XXXX, XXXX XXXXXXXX XXXX. I completed all paperwork including finance contract for the amount listed above. 

On XXXX XXXX I was checking another account that I have with Capital One and was surprised to see my car loan amount of $ XXXX realized that something unethical, illegal and possibly criminal occurred. I later found out that the financial XXXX, XXXX XXXX, added an extended warranty that I did not purchase. I put 2 and 2 together and realized that on XXXX XXXX when I went to pick the vehicle up is when this must of occurred. XXXX had me sign papers of which I received no copies. I thought this was part of the normal purchase process.
Consumer complaint received 2021-04-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Late night XXXX XXXX morning XX/XX/2021 there was an unauthorized transaction in my XXXX account. All of my XXXX ( around {$17000.00} usd ) was converted to XXXX XXXX and then was being transferred to an account I did not recognize. I cancelled the transfer and converted the XXXX XXXX back to XXXX. I had to pay XXXX fees for the unauthorized conversion and to convert back and I lost money due to a change in the currency values. My total loss for this unauthorized transaction is around {$500.00}. I reported this to XXXX and they have since locked my account. They keep sending the same message over and over please complete the following steps to restore access to your account. I follow the steps but they will not restore access and they have no live customer service via phone/email/chat. XXXX weeks later Im still locked out of my account. Ive included an attachment to show the only communication Ive received is the same email over and over.
Consumer complaint received 2021-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I SENT 5 DISPUTES LETTERS TO THIS COMPANY ANBD THEY IGNORED ALL MY LETTERS. NO RESULTS / NO REMARKS / NO INVESTIGATIONS, THEY REFUSED TO INVESTIGATE AND BY LAW THEY HAVE TO INVESTIGATE. 

I understand that under 15 U.S.C. Sec. 1681i ( a ), THIS COMPANY must complete the investigation within 30 days of receipt of this letter, and they have not. please investigate.
Consumer complaint received 2020-02-18
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 (DC)

American Express had a XXXX card promotional offer with XXXX. When you clicked on the link, it was a {$3000.00} spend in three months and you get XXXX points with a {$50.00} statement credit. American Express continues to say that they only offer XXXX points with a {$2000.00} spend. I have tried to solve this problem several times with the credit card company only to be told this offer does not exist.
Consumer complaint received 2019-08-04
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (AR)

Upon purchasing my home on XX/XX/XXXX the bank sold my loan to another lender one month later. 

There were some issues with the escrow account and my home Insurance wasn't getting paid. 

By XXXX of XXXX my mortgage was sold to another lender Midland Mortgage and they started helping me with applying for a mortgage modification loan. 

By XXXX of XXXX this modification loan was approved. 

As of XX/XX/XXXX my Mortgage is Current with XXXX past due. 

The information on my Credit Report needs to be updated
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Date of Birth - XX/XX/1994 { Date } XXXX To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATIONThe accounts/ INFORMATION below are reporting incorrectly REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect. 
XXXX : Incorrect Addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : Incorrect Name Variations, * NAMES REPORTED * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please update the following information which I saw your credit bureau to be misXXXX XXXX XXXX Personal current address { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX } XXXX. My proper full name { XXXXXXXX XXXX XXXX XXXX }, if the bureau has listed it incorrectly } 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, { XXXX XXXX XXXX XXXX }
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (SC)

My name is XXXX XXXX, someone tried to submit a W2 for against me to the IRS and it is causing me so many issues with my credit. I am unable to even get a bank account, please I'm asking for help in resolving this matter. I have called credit bureau and had a freeze placed on my report. I have contacted fair trade commission. I also reported fraud to IRS. I am on a fixed income XXXX and have not been able to work for over XXXX  years. I realize that some items on my report is mine, I really need this issue to be addressed please.i was so XXXX, married for over XXXX years and he left me and my kids, in a desperate state, I fell for online love. Stupid me. Only because I thought I was really getting help from a complete stranger.
Consumer complaint received 2021-11-17
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: Tower Loan of Mississippi, Inc. (AL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Consumer complaint received 2021-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reason to believe the account you are furnishing are Fraudulent and incomplete because a XXXX was filed with the company 's. According to the IRS form XXXX must be filed regardless of whether the debtor is required to report the debt as income. This make the status of this account inaccurate or incomplete and must be deleted from my consumer report. Income is not stated on any consumer report. 

Also its so many inconsistency with your reporting across the 3 consumer reporting agencies. I have Photos to prove it. it's been a few investigation all came back verified but no method of verification has been sent back to me as i requested.
Consumer complaint received 2021-08-24
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: EQUIFAX, INC. (FL)

Credit Bureaus failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified '' Please remove the following accounts XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX from my credit report. You have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA
Consumer complaint received 2019-08-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I requested my annual free credit report noticed so many charges from portfolio recovery associates I called them numerous times they just demanded money. I requested a debt validation letter several occasions over the phone and finally through the mail and still no response. What I do see is that they will randomly add new items and delete and vice versa, but 30 days since my request for a debt validation have passed and still nothing so Im demanding they remove all alleged debts.
Consumer complaint received 2020-02-18
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. (MD)

XXXX  { credit reporting agency } refuse to correct a error on credit report filed in XX/XX/XXXX ; XX/XX/XXXX, requested a reinvestigation to correct same issue resolved by XXXX  in XX/XX/XXXX, XXXX  declined to address  problem. i understand credit reporting agencies are generally for profit companies that gather and sell information about a person credit history ; however, to intentionally hinder a individual 's ability to provide facts that would correct a issue is deemed oppressive.