davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK (DE)

On XX/XX/XXXX I deposited a mobile check to Discover XXXX Bank they reported that they received the check and on XX/XX/XXXX the account was suspended by Discover with my money inside due to a suspicion of fraud. I have called discover bank everyday since the initial report and have been on hold for 3+ hours at a time with no answer. When the call gets to at least 5 hours it disconnects. I have spoken to representatives who say that is no their department and that the department does not open until a certain time although they advertise 24hr service. When I call at the recommended time, specifically the exact time the wait time is over 5 hours. Still no answer. they have refused to get me in contact with someone that can refund my money. I filed a fraud affidavit with my personal bank on the XXXX of XXXX. I am currently still on a 5hr long hold with Discover bank and the online chat representatives have threatened to end the chat with no help or advice on what to do.
Consumer complaint received 2019-05-03
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: GMA Investments, LLC (MO)

XXXX a XXXX XXXX from Summit Receivables contacted me at work, When I called back to tell them I'm not allowed to receive phone calls at work, he become rude and hung up on me, when I tried to call back and talk to him his associate told me I should get on my knees and pray right after she told me she should perfom XXXX  XXXX on me and other rude comments. I have informed them not to call me at work only on cell phone and to send me a letter stating the debt which they refused.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My bankruptcy is showing as " Dismissed with TransUnion and XXXX. 

My proof Attached Shows that my bankruptcy was DISCHARGED in 2012! 

This is my second complaint. 

If this is not fixed immediately I will go to the federal Court house and start excercising my right to Sue these credit Bureaus. 

I can not even get approved for a credit card through my bank because it is showing as an Open " dismissed '' bankruptcy
Consumer complaint received 2022-07-25
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. (GA)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my right 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 SECTION 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 Complaint Department TransUnion XXXX. XXXX XXXX XXXX, CA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I have I have incorrect information on my credit report. my identity was stolen and somebody open credit card on my name at XXXX XXXX XXXX  I dispute on the attached copy of the police report, FTC identity theft report, court record, CFPB - Consumer Financial Protection Bureau complane, State of California Department of Justice complane. 
I am requesting that the item be removed the address : XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Never lived there ) and phone numbers ( XXXX ) XXXX XXXX and ( XXXX ) XXXX its not my phone numbers! 

to correct the information. 
Enclosed are copies of my real address supporting my position. Please reinvestigate this. i attached copy of police and federal trade commission report!!! 
matter and delete the disputed item as soon as possible.
Consumer complaint received 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SUNTRUST BANKS, INC. (DC)

I am not a green card holder, but I am legally working in the US with a TN working Visa. The applicaiton process was going as normal, but then they said they can not give Credit cards with no green card, I explained I do not have a green card, but I am in the U.S WORKING WITH A WORKING VISA. Have being with that visa for 5 years, is absolutely legal. The do not even wanted to give me a SECURE credit card.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/18 credit report ran from XXXX XXXX XXXX in error XX/XX/18 credit report ran from XXXX XXXX XXXX in error i have contacted XXXX XXXX and various credit report agencies, transunion and XXXX and havent received any help. It has lowered my score XXXX points
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2022, my mom XXXX XXXX sent me an XXXX payment of {$2000.00} to my CHASE bank account. I didn't know my CHASE account was closed so the money was rejected and supposed to be returned to sender on XX/XX/XXXX. It is now XX/XX/XXXX and XXXX XXXX ( my moms bank ) hasn't received the {$2000.00}. I've done everything CHASE told me to do to resolve this issue and still no funds have been returned. I've filed an dispute with my moms banks and they denied the claim stating they haven't received the funds. I also contacted XXXX and they told me that the banks need to solve the issue. This is putting me and my XXXX kids in a serious financial hardship and if this matter doesn't get resolved immediately.
Consumer complaint received 2018-08-31
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. (IL)

I pulled my free annual credit report and saw an account on Experian I did not recognize called XXXX XXXX XXXXXXXX XXXX acct # XXXX opened in XX/XX/XXXX. I opened a dispute and the company maintained I owe this outstanding balance of {$960.00}. I contacted the company XXXX to find out what this about and they were very vague with their explanations and suggested that I dispute this through the credit bureau if I believe the date is incorrect. I opened a second dispute and just received word that the company is holding fast that this account belongs to me. In desperation I contacted the credit company this morning and it was while we were conversing that the agent on the phone call me Ms. XXXX? I asked her why did she call me that being that before anything could be discussed, I was asked for my name, address, and social security number. The agent then asked me again for my full name again and I reiterated XXXX XXXX. She asked me if I was ever known by XXXX and I said no. I asked again that they correct this error and was told I have to dispute it through Experian.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (IL)

An ex girlfriend of mine ran my credit in order to damage my credit. She was shopping for a car and decided to give my information to a few car dealers ... They then forwarded it to car finance companies ... ALL in ALL, 10 different companies pulled my credit on XX/XX/2018. I did not provide authorization. She did this without my consent. I wrote a letter to each company however they yet to remove it from my account.
Consumer complaint received 2022-07-25
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. (NJ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$3900.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX ( XXXX Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2400.00}
Consumer complaint received 2019-05-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (TN)

Spoke with Wells Fargo loss mitigation dept. I was informed by the relationship manager XXXX XXXX that since my wife XXXX XXXX wasn't on the deed of the property and we were using her income I could not be considered for a mortgage modification. XXXX also stated I was welcome to review the FHA guidelines on line.I was also told a request was submitted to postpone the property foreclosure sale by Wells Fargo Loss Mitigation Dept. Per XXXX with Wells Fargo the sale date was not postponed. I have sent my wife proof of income and I don't understand why they refuse to assist me with the mortgage I've been trying to get mortgage assistance from my servicer for over a year now, I have a FHA loan, I read a spouse income can be used for income to modify a mortgage. Wells Fargo hasn't changed the way they do business the staff is uncaring and not interested in assisting the customers. I do want to pay my mortgage
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (NJ)

on XX/XX/XXXX I sent Quicken Loans a letter asking them to investigate the inconsistent information that has been reported to all 3 credit bureaus.I sent them the information that is stated below. On XX/XX/XXXX I received a response from Quicken Loans saying they completed a secondary review of the account and they did not find any errors in the reporting. If there were no error 's why am I seeing inconsistent data across all XXXX credit bureaus? 

XXXX Account # XXXX Monthly Payment {$1800.00} Date Opened XX/XX/XXXX No. of Months ( terms ) XXXX Payment Status Late 120 Days Last Reported XX/XX/XXXX Date Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX Account # XXXX Monthly Payment {$0.00} Date Opened XX/XX/XXXX No. of Months ( terms ) XXXX Payment Status Foreclosure Last Reported XX/XX/XXXX Date Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX XXXX   Account # XXXX Monthly Payment {$360.00} Date Opened XX/XX/XXXX No. of Months ( terms ) XXXX Payment Status Late 120 Days Last Reported XX/XX/XXXX Date Last Active XX/XX/XXXX Date of Last Payment XX/XX/XXXX
Consumer complaint received 2022-07-25
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: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$460000.00} ; XXXX XXXX XXXX Balance Owed : {$470.00}
Consumer complaint received 2024-03-05
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. (FL)

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 2022-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received an email alert from XXXX ( which monitors my credit reports ) that a new credit inquiry was shown on my XXXX report on XX/XX/2022. The inquiry was made by Bank of America. I called Bank of America and was told that someone applied for and was approved for an XXXX XXXX credit card. Bank of America said the application was approved but was not yet issued. I did not apply for that card or any other credit card. Bank of America is investigating.
Consumer complaint received 2018-08-31
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. (CA)

RE : Medical Collection Dispute Confirmation # : XXXX Dated XX/XX/XXXX Dear Sir/ Madam, I refer to the above Equifax credit Report # : XXXX Dated XX/XX/XXXX specifically medical collections as follows ; Please note that the above medical collections are erroneous and should not exist. During the time collection was placed I have an active California XXXX ( XXXX  ) Insurance Coverage fromXX/XX/XXXX to the present and I should not be receiving these medical bills. See attached Medical Status Report from XXXX XXXX XXXX Eligibility Service dated XX/XX/XXXX, Case Number XXXX.
Consumer complaint received 2018-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As I pulled my credit report, I noticed several items that I have no knowledge of. 
By law, a company must contact the consumer for accuracy, arrangements and proof that a debt is the consumers before attempting add it to one 's credit report. There has been many debt collectors adding unauthorized and inaccurate debt to a person 's credit report without following procedures by law. And the only way the consumer has been finding out is whenever they pull there credit report. Also, the credit reporting agencies are allowing them to do so without question. Well the following below debts as showing on my credit report stating I am the person for these are inaccurate. I have not been contacted by none of these debt collectors in any form, I have no knowledge of no such alleged debt and I have no contract or obligation to any of these debt collectors. Also, In some of these debts, HIPAA laws have truly been broken. This is unjust and unfair. I have been in contact with the necessary authorities in the matter. 

XXXX {$64.00} XXXX XXXX {$560.00} XXXX XXXX XXXX {$610.00} XXXX   XXXX XXXX {$720.00} XXXX XXXX XXXX {$800.00} XXXX XXXX {$1000.00}
Consumer complaint received 2022-07-09
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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.
Consumer complaint received 2018-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I put in a dispute with XXXX credit bureau dispute department but they still refuse to change the reporting on my credit card, which shows 1 month late payment in the month of XX/XX/2016. I advised XXXX that during the month of XXXX and XXXX, I was in XXXX visiting family for XXXX and I was involved in a car accident. I was XXXX  for 6 weeks and could not get back home to the US and did not have to my check books or online login to pay my credit card because my laptop was smashed in the accident and my login info was stored on the notes in my laptop and autosaved in my web browser, so I did not have access to this info when I was XXXX. I requested from XXXX to understand my situation and remove the " 1 month late payment '' reported on my credit history, but they refused to take action. However, XXXX XXXX XXXX XXXX understood my situation and they amended their records to remove the 1 month late payment they had similarly imposed on my account with them. I do not understand why XXXX can not understand this matter!!!??? 
Before XX/XX/2016 and after that month, I have been running my account in a pristine manner and have run my 2 accounts with them without ANY late payments at all ( my credit score of XXXX at present ).
Consumer complaint received 2018-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC. (DC)

I have filed three complaints on Suntrust closing my checking. They closed my checking illegally. I had refunds issued by companies to that account, including from XXXX. The bank has never sent me a check for it- they didnt deny the funds from the refund but have not sent to me. It's been 30+ days. The dates and amounts to my checking refunded from XXXX to the closed account by the bank- they never told me they were closing they just closed it, held funds, refused to give me money until there wasnt activity on account but never warned me to stop using it. Scam. But the refunds were never sent to me : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX among other various active disputes for fraudulent charges to my account on both business and checking accounts. Suntrust never followed up, never issued me a refund and kept the refunds that were indeed issued to me.
Consumer complaint received 2021-05-10
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: EQUIFAX, INC. (MI)

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2018-08-31
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. (FL)

ON XX/XX/2018 I SENT THE ALLEGED CREDITOR AND CREDIT REPORTING AGENCY NOTIFICATIONS IN REFRENCE TO ACCOUNT # XXXX ALEEGED CREDITOR NAME : XXXX XXXX XXXX. THE ALLEGED CREDITOR HAS FAILED TO RESPOND TO MY NOTIFICATION THAT WAS SENT 30+ DAYS ALLEGED CREDITOR WAS MORE THEN THE TIME ALLOWED TO PROVIDE PROOF OF ALLEGED ALLIGATION, AND COMPLIANCE. THE ALLEGED CREDITOR XXXX XXXX XXXX HAS YET TO REPLY. THE ALLEGED CREDITOR AND CREDIT REPORTING AGENCIES IS IN VIOLATION OF MY STATE AND FEDERAL LAWS. PLEASE DELTE IMMEDIATELY THIS UNVERFIED ACCOUNT THAT IS CONTINUING TO BE INJURIOUS TO ME. ATTACHED IS A COPY OF THE LETTER SENT TO CREDITOR AND CONFIRMATION OF SUCEEFUL DELIVARY OF MY NOTIFICATION
Consumer complaint received 2018-08-31
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: General Motors Financial Company, Inc. (MI)

I MADE A PAYMENT FOR MY LEASE ACCOUNT IN XXXX. THE PAYMENT WAS RETURNED DUE TO MY INSURANCE BEING AUTO DEBITED WHICH I WAS UNAWARE OF. I CONTACTED GM BUT THEY HAD ALREADY MARKED MY ACCOUNT AS LATE, AFTER 30 DAYS. I HAVE HAD THIS LEASE ACCOUNT FOR GOING ON 3 YEARS AND HAVE NEVER BEEN LATE BEFORE AND ASKED COULD IT BE REMOVED AS A COURTESY AND WAS TOLD THAT I WOULD HAVE TO FILE A COMPLAINT. I THOUGHT THAT INFORMATION WAS INCORRECT SO I CALLED BACK AND THE LADY ( XXXX ) THAT I SPOKE WITH STATED THAT SHE WOULD PUT IN A REQUEST BUT THAT I ALSO HAD TO FAX OVER A LETTER. I HAVE MADE 3 ATTEMPTS TO GET THIS RESOLVED AND REMOVED AND I AM JUST GOING IN CIRCLES WITH THIS COMPANY. NOBODY EVER CALLS BACK AND OF COURSE NO ONE EVEN KNOWS WHO XXXX IS. THIS HAS BEEN NOTHING SHORT OF A NIGHTMARE.