davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: Alorica Inc. (NJ)

This complaint is in regards to a personal loan that I originally took out through Seedfi which was always paid on time as agreed and has since been transferred to SST Service Systems Technologies Inc. loan number XXXX. While in SSTs care I have since paid the loan off in full on XX/XX/XXXX the balance of XXXX. Part of the original loan agreement with XXXX was I would be given XXXX upon signing the loan agreement and another XXXX plus interest upon paying the loan off this money would be direct deposited to my checking account on file within 5-7 days. As of today XX/XX/XXXX i have not recieved the XXXX plus interest and phone calls to this company have had no resolution to this. I have also requested politely to speak to a supervisor many times which they refuse to do I was told one would call me which never happens.
Consumer complaint received 2023-03-31
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. (NY)

As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-03-13
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. (OH)

In accordance with the fair credit reporting act Convergent inquiries : XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX, 2021 XXXX XXXX XXXXXXXX, XXXX, 2021 XXXX XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX  XXXX, XXXX, 2021 XXXX XXXX XXXX XXXX, XXXX, 2021 XXXXXXXX XXXX XXXX XX/XX/2021 have violated my rights. 

15 U, S.C 1681 section 604 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 2019-04-01
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: CITIBANK, N.A. (AZ)

This complaint is in regard to a Citibank credit card that can be used anywhere but is also a card you can use at XXXX. We earned last year the amount of {$25.00} in rewards and were notified sometime in XXXX or early XXXX about the rewards. We were supposedly sent a reward certificate in the mail but never rec 'd it. After reviewing our account, we asked about it and received it via e-mail and then rec 'd another duplicate. Anyway, today XX/XX/19 went to XXXX and made a fairly large purchase and presented the coupon. It took them forever to enter it as no bar code, we held other customers up and were finally told the reward was not good and another one had probably been issued. I called XXXX in Citibank customer service and explained to her that she should just credit the account like my other cards do but she could not do that, she said she would send an updated certificate but never rec 'd that via e-mail. Anyway, I want the account credited for the {$25.00}. I mean this is about the worst system there is for giving customers credit for points earned. This small amount was earned last year and here it is XXXX and still no credit. I'm having to waste time on this, we held other customers up today at XXXX and I really don't want to present another " coupon '' that does not work. XXXX can do better than this.
Consumer complaint received 2019-04-30
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: SECURITY FINANCE CORP (IN)

My identity was compromised between XX/XX/XXXXand XX/XX/XXXX. During this time several inquiries were made on my XXXX report. I demand that these items be removed immediately. 
XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2022-03-13
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)

Debt Collection from XXXX XXXX XXXX in amount of {$130.00} does not belong to me. Result of Identity theft. Federal Trade Commission Fraud Affidavit attached to confirm. Please remove.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-03-30
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. (CT)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (TN)

My complaint is with Santander Bank. I purchased my vehicle at the XXXX dealership in XX/XX/2016, new, at roughly {$20000.00}. I have never missed a payment, and have always paid more than the minimum amount required. I have paid over {$23000.00} but yet still owe {$15000.00} on the vehicle. My interest rate is 24 %!! I was told by the lender as long as my payments were met on time, the interest would drop. I have tried to refinance at other banks to get a lower interest rate but no one will touch the loan because the loan is considered " upside down ''. Basically the car is now worth about {$12000.00} and my loan is more than that. I checked my payments to find only about {$110.00} of my {$600.00} payments was being applied to my principal, even after requesting them to apply the extra payments directly to my principal balance. I contacted Santander to see if, due to my excellent payment history, would they refinance me and they told me no, they don't offer refinance. I discussed returning the vehicle and was told they would make sure it stayed on my credit for up to 7-10 years and it would prevent me from financing other vehicles, or even a house. I've been a perfect customer to this company, I've paid them well over what my car was worth and what my loan was for. They have been rude every time I have reached out to them and have offered no help nor logic reason as to why I still owe them {$15000.00}. They are predator lenders and take advantage of good people just trying to make a living and have a reliable vehicle. I wish to be refunded the extra money i paid over what my original loan was for and to be considered as PAID. I wish for someone to look into them and request them to lower their interest rates, and at least give good customers the option to refinance at a lower cost after establishing a good payment history. My credit is better now than it was when i purchased my vehicle, but due to the large balance with Santander it throws off my debt to income ratio so I don't qualify for buying a house or another vehicle. I just want to be done with them so I can move on and begin the home buying process for my family.
Consumer complaint received 2023-02-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Assured Financial LLC (TX)

I received a letter from an alleged debt collection company, Assured Collections in XXXX, XXXX. The letter fraudulently alleges that they were attempting to collect a debt owed to " XXXX XXXX Supplies '', in the amount of {$5900.00}. 

I have never heard of " XXXX XXXX XXXX  ', nor have I ever received any products, services, equipment from them and this is a fraudulent claim. 

I do not want to actually CALL either Assured Collections, XXXX, or XXXX XXXX XXXX since this is a matter of fraud or identity theft, and I do not want them to have access to my phone number.
Consumer complaint received 2023-02-18
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. (FL)

Date : XX/XX/XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, FL, XXXX Dear : Experian, I XXXX XXXX, have written this letter to dispute a claim that is false. It is listed on my credit report. I am requesting it be removed immediately. 

Party Owed : XXXX XXXX : account # XXXX Date Opened : XX/XX/XXXX Amount : {$670.00} XXXX XXXX XXXXXXXX : Account # XXXX Date Opened : XX/XX/XXXX Amount : XXXX I am disputing this claim due to it being fraudulent. These are fraudulent accounts, This is my official request to have the accounts mentioned to be deleted off my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc. (CA)

This account has been on my credit since XX/XX/19. I have made repeated attempts to get this account off of my credit, but the company keeps stating the account meets FCRA requirements when in fact I have never had dealings with this company and the account is a result of identity theft!!! PLEASE REMOVE FROM MY CREDIT IMMEDIATELY!!
Consumer complaint received 2019-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (VA)

Date/Time of event : Tuesday, XX/XX/2019. Approx. XXXX XXXX Tried to access my credit card account with JPMorganChase online. Site responded that it did not recognize the computer I was using and needed to send a temporary code to validate the computer ( same computer I've been using to access site for almost 5 years ). 

Went though the notification routine multiple times first trying to initiate an email to my email address multiple times -- no email with temporary code ever received. Then went to telephone option to initiate call with temporary code. No callback with code ever received. 

Tried this numerous times with same result -- nothing. Clearly a problem with the system that generates and/or sends the codes to customers in this situation. 

Called customer service who indicated they could send me a text message with the temporary code. I told them I only have a landline and not a cellphone to receive a text message so they would have to send me the code someone other way -- like email -- or by sharing code with me on the phone ( the very landline and presumably they have caller ID to validate I was calling from the same number ). They said they could not do this, but that I could go to a JPMC branch ( many, many miles away and I only have an online credit card account with JPMC ). 

To all this I replied that they were making their system problems my problem and were preventing me from accessing my account. I indicated this would be against the terms of the account and that I wanted to speak with their General Counsel 's office, to which they replied they could not provide a bank attorney to speak to but I could always contact my own attorney. I reconfirmed that we were being recorded so the tape could be pulled if necessary, then told them I would report it to CFPB instead and that they had extremely poor customer service. I suggested that if their CEO XXXX XXXX knew the facts of the situation and how their customer service responded so illogically to a customer, he would not be happy and invited them to share the tape with him ( expletives and all ) As of XXXX XXXX ET, I still do not have online access to my credit card account at JPMC.
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

In XX/XX/2018 I got a letter from XXXX XXXX saying that I needed to update my personal information in my XXXX XXXX XXXX account. 
I promptly went into my online profile and made sure all my addresses and phone numbers were updated. Yesterday XX/XX/2018 I received a final letter stating they had closed my account! My XXXX XXXX XXXX acct through XXXX was closed because I had my XXXX XXXX listed on the acct and they wanted a physical address. The letters from XXXX where not clear or specific in what they needed so i thought i had properly updated my profile. I didn't know they were demanding me to add my physical address to the acct. That is what the XXXX  agent told me on the phone. She also said my acct is in great standing, 10+ years in good standing! I pay early & more than due each month. They say they are protected by the patriot act but I think it's a bogus excuse to close accounts. Something needs to be done! Class action lawsuit?
Consumer complaint received 2023-02-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX I submitted a dispute to Experian Credit Bureau via telephone regarding a medical debt with XXXX that is reporting on my credit report. I cited the No Surprise Act as my reason for disputing the debt. I had a car accident in 2021, as a result I had an attorney to reach out to all my medical providers for my bills to get them paid. I am assuming that this may be one of those providers since it is within that timeframe, but I can not be sure. Several providers did not respond to my attorney 's notice for requesting my bills. Again, I am not sure if this is one of the aforementioned providers, but regardless if is is one or not, I was unaware of this bill existing and I did not receive any notification from this company about owing this payment. I realized recently how I had a right to dispute it. I did this with Experian but they did not remove this debt from my report. I need this debt removed immediately because they did not inform me about it prior to putting it on my report. If this is a provider from my car accident in 2021 they should have responded to my attorney 's request to submit their bills for payment, which apparently they did not do. Please assist with this manner as soon as possible.
Consumer complaint received 2023-03-31
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. (NY)

As of XX/XX/2023 Ive notice this fraudulent account XXXX Amount owed XXXX $ this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2021-02-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TN)

We contacted SunTrust bank on XX/XX/XXXX to refinance our current mortgage. We completed the paperwork shortly after XX/XX/XXXX. They ran our perfect credit and found no problems. It is now XX/XX/XXXX and they still have not closed. They contacted us a couple of weeks ago and said they had to run a credit check again. 5he check has unaffected our credit score. We have also been paying our mortgage at a higher rate and amount since XXXX. They will not return calls and emails.
Consumer complaint received 2022-03-13
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. (DE)

I am requesting for incorrect information to be removed & blocked from my credit report. FCRA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX XXXX. XXXX )
Consumer complaint received 2019-04-01
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. (KY)

My name is XXXX XXXX. My date of birth is XX/XX/1986 and my social is XXXX. I am a victim of identity theft and have already submitted a copy of my police report and identity theft report to both Equifax, XXXX, and XXXX. They have not only ignored my request, but they have not removed these fraudulent items. They also allowed a fraudulent item they had removed years ago to reappear on my credit report. 

Equifax is reporting a fraudulent account with XXXX XXXX XXXX  is reporting a fraudulent account with XXXX XXXX, XXXX  XXXX, and XXXX XXXX XXXX is reporting XXXX XXXX reporting for XXXX XXXX
Consumer complaint received 2022-11-30
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. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXXXXXX XXXX : {$1300.00}
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Dear Sir/Mam, XXXX BofA_Help Tried to cash a check that my husband wrote me today, because he didn't have time to go get the cash himself and I was at the bank XXXXXXXX XXXX sharp so I didn't have to wait in line... .... I get there and this teller ask for my normal identification and handed him the check. Then he says it will cost {$8.00} to cash. SO I said fine. 

Teller goes to the back for about 5 minutes and then comes back and tells me that he can not cash the check because I don't have a working relationship with Bank of America. I tried to insist and tell the teller that the check was written by my husband who has a business account with Bank of America. He continued to say I don't have working relationship with BOA so they can not cash the check. When I tried to insist he then raised his voice and repeated the same thing. 

As I got up the chair leaving, I tried to tell the teller this is why I do not bank with BOA particularly this location @ XXXX XXXX XXXX XXXX XXXX, WA XXXX. Not only that you give poor services and being discriminatory towards me especially the Manager. 
I even mentioned to them that similar incidents happen last month when I was there to open an account. 

Left the bank upset that and called my husband to take some time off so he can go and get some cash for me... ..He is now taking extra time off just to go get cash!!! 

I am definitely going to tell and convince my husband to cancel his account with Bank of America... and also filing a complaint with the XXXX  and Consumer Financial Protection Bureau. 

I am complaining today here because I had the same issue last month and I even tried to file similar complaint, and wrote the longest letter of my life to a person name XXXX XXXX, never heard from her. She has a pic online, but who knows if she is really an actual person. 

Now I am here complaining because I think that the people working at this location, not only are discriminatory but also giving poor services toward new customers Every time I go to this bank all I get is grief and frustration... I hope to never deal with them again. 

I am complaining here because I would like this particular location that not every one can be treated poorly as they did to me. 

Sincerely, XXXX XXXX P : XXXX
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: RFNA, LP (TN)

For several months I've tried to set up a payment plan for my account. I have called several times, no one would return my phone call, nor will they assist me with resolving this debt. They have turned my account over to a collection agency and increased the amount of the debt that I owe.
Consumer complaint received 2023-07-27
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. (IL)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.