davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-07
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. (CO)

Alias name displays my father 's full/real/legal name. I do not have an alias or nickname and my father 's credit is not one I want tangled with mine because it is NOT the same. XXXX XXXX XXXX is my father and I am XXXX XXXX XXXX. My nickname or alias is NOT XXXX. It is not a nickname of XXXX. I was not even named for him it but for my mother 's maiden name of XXXX. I used to get his mail when I lived in the same state as him because my name was even then being considered a nickname alias of his when it shouldn't have been and was never recorded on documents by myself. If my father did then he was committing fraud trying to pass as his son 's name versus his own. Or if it was an honest mistake ok great, just needs to be fixed. Having received a copy of my credit report after applying for an apartment lease, had me see that my credit report lists his legal name as my alias when my alias is the same as my legal name -- XXXX XXXX not XXXX ) A ( not XXXX ) XXXX.
Consumer complaint received 2018-12-19
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. (NC)

On XX/XX/XXXX, my wife and I sent a letter to the credit bureaus, asking them to investigate errors that were on our credit report. I am attaching a copy of the letter that we sent. Its been more than 30 days, and we have not received responses yet.
Consumer complaint received 2020-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (FL)

On XX/XX/2020 XXXX I received the following message from XXXX XXXX of TrueAccord, after I unsubscribed from their email : XXXX, do you need more information? We're following up after your recent visit to our website regarding a {$460.00} balance with XXXX. If you were looking into unsubscribing, we'd like to provide you with more information. Please view your account summary. Unsubscribing will not invalidate your debt. If you're ready to resolve this balance, please take a moment to view all your available options. Pay Your Balance This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I responded via email XX/XX/2020 XXXX, Any information regarding this matter needs to be mailed to the addresses you have on file. No longer contact me via any email address. This matter will not be addressed again and a complaint will be filed with the CFPB. I then followed up with a certified letter XX/XX/2020, Tracking Number : XXXX, received XX/XX/2020 at XXXX XXXX. In this official document I request debt validation, and explicitly stated all communication needs to officially be done in writing. They are only authorized to communicate with me via mail, and attempting to collect a debt via email, circumvents the official process.
Consumer complaint received 2019-03-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collins Asset Group, LLC (NJ)

My name is XXXX XXXX I have a loan out with XXXX XXXX now its with XXXX XXXX XXXX XXXX XXXX Texas I been trying to get this collection agency to give me a statement on my account I have never received any debt collection from this company or the original loan company it is on my credit report I have tried to pay this loan Ive been sick with XXXX and trying to resolve this and debt Collection company will not release my information I have filed XXXX XXXX XXXX and report the FCC commission and trying to file a small claims with the state of New Jersey to try to get this paid can you please help me XXXX
Consumer complaint received 2018-05-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Someone wrote a check and deposited the check into my Bank Of America checking account in XX/XX/2013. I reported it as Fraud transaction. Bank Of America never got back in touch with me about this. I now can't open up an account with no bank because of this. My name is XXXX XXXX.
Consumer complaint received 2024-03-19
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (VA)

In less than 6 months of having this account. Ashley Furniture Synchrony Bank reduced my credit limit without reporting the new balance amount, which was favorable to me. This practice is unfair and does not allow me to build credit because my debt ratio is being hindered by Ashley Furniture Synchrony Bank.
Consumer complaint received 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (TX)

Citi has a streaming service rebate that I signed up for. 
It reimburses the purchase if you use the citi debit card and enroll in the program. 
I did both but the purchase didnt register. 
After waiting the recommended 7 days, I call a representative and he confirmed that I was enrolled at the time and that the purchase should be reimbursed. 
He advised I contact my account manager.

Its been two weeks and he hasnt replied to my email.
Consumer complaint received 2019-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc (GA)

PayPal put a 90 day freeze on my money despite being provided copies of the contracts and agreements. 

On XX/XX/2019, a opportunistic former client wrongfully reversed payment for services I performed for her using PayPals online dispute portal. Copies of the service records, drafts, and dates of service was provided to PayPal and correctly, ruled the dispute in our favor. Now the client is disputing through her credit card. This is an dispute between the client and PayPal only. I have the documents showing an agreement with client for the amount of {$500.00} refund, a signed contract, and a confirmation payment through PayPal ; yet, PayPal refuses to release the money owed to me for 90 days. Meanwhile, they get interest from my capital. How is this legally ethical?
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Over the last 2 months First National Bank of Omaha has been lowering my credit limit even though my credit score has gone up by over 80 points, and my credit usage has been dropped by over 30 %. For months when I had over 1750 dollar balance they did not lower my limit. Now that I have been paying off the card each month, and carrying a lower balance they have dropped my limit by over {$1000.00}. All they tell me is that I can request a hard pull on my credit report, and they MAY increase my limit. MY credit score is now back to where it was when they originally gave me the card. I have NEVER missed a payment on their card, and I pay above the minimum every single month. 

Right now, their decisions are affecting my credit score, and no one can give me a good reason why.
Consumer complaint received 2022-03-07
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: Bread Financial Holdings, Inc. (IL)

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to XXXX8 USC 1028. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is not mine which is a violation of 15 USC 1692B ( 2 ).
Consumer complaint received 2022-03-07
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: Bread Financial Holdings, Inc. (IL)

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is not mine which is a violation of 15 USC 1692B ( 2 ).
Consumer complaint received 2018-12-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (FL)

My husband and I filed chapter XXXX bankruptcy in XX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. Our Home was included in the bankruptcy. The home was mortgaged through Wells Fargo. I have previously filed complaints against Wells Fargo for their continued correspondence regarding payment of mortgage, insurance coverage and real estate taxes. I currently have an active complaint against Wells Fargo - XXXX-XXXX. 
On XX/XX/XXXX, we received a packet of information from XXXX XXXX XXXX XXXX regarding our unpaid mortgage. Speaking with these individuals is like speaking to wall. 
I am frustrated beyond belief. These financial institutions are the most corrupt people I have ever encountered. 
I wish to pursue any and all avenues of recourse available to me. 
thank you.
Consumer complaint received 2022-03-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

Company writes false information on all three credit reports after becoming military XXXX. XXXX XXXX military XXXX in 2015 after suffering an XXXX XXXXXXXX and becoming XXXX. Company writes that payments have been made by me in order to keep the report active. No contact with the company since the recovery of the XXXX. The payments that the company is reporting. Fraud is being committed and the company sold me a 6000.00 packet for debt protection and attempted to block my use of it. Company ignores the 7 year rule.
Consumer complaint received 2019-03-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have a loan with BK OF AMER XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BK OF AMER with no successful resolution. XXXX, XXXX, and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Consumer complaint received 2018-05-21
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. (TX)

The entire time that I have had this XXXX card, they have incorrectly done things to my account. They have never sent me a statement to my mailing address, they completely got my name wrong on my card, they wouldn't accept my payments in store, just constant headaches. My biggest headache is that they have tarnished my credit with a late payment in XX/XX/2017. Don't know where it came from, asked them to send detailed documentation showing where statements were going, payments that were made, and everything else.
Consumer complaint received 2022-03-07
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. (FL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2022-03-07
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)

I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, Experian and XXXX back in XXXX of 2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.
Consumer complaint received 2019-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mid-Atlantic Finance Co., Inc. (TX)

I have an account on XXXX and XXXX  that is a charge off and the account is 7 years and 6 months old and it has not been removed from my credit report as promised can you please assist me with this matter
Consumer complaint received 2015-05-30
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, For the past 6 months I was in contact with Bank Of America and was asking them to extend my loan modification for another 5 years due to the fact that I was diagnosed with XXXX in XXXX XXXX. I explained to them because of my XXXX, and the XXXX and XXXX which I went through, and XXXX XXXX which I had in XXXX, I am not able to put the same hours and work as same as I did before. The Bank of America in the beginning supported me, and actually for 6 months they played with me mentally, and yesterday they send me a letter that I will not be qualified for another loan modifcation, and they are suggesting to do short sale. Even during the period of my XXXX treatment, I borrowed money to pay the mortgae and tried my best to be a good citizen and not be a late late on my mortgage. Now on the letter that they sent me on XXXX/XXXX/XXXX, they are telling me that I dont have any hardship, because for the past 5 years I paid my mortgage on time. I am an XXXX, physically my body ca n't tollerate to work XXXX hours a day to make at least {$700.00} a week, and Bank Of America does not understand that which I only asked them to extend my loan Modification which will ends on XXXX XXXX, XXXX, till I figure out what my situation will be financially and physically. For 6 months, over and over again they asked me to fax, mail them my documents, which I did. Several times they lied that they did not receive my documents, even though I sent them with self XXXX envelope. They assigned XXXX different Customer Relationship Managers over the past 6 months on my case, just to waste my time and to kill time in order for me to explain my case over and over again to new representative, and started everything again. I even several times complained to Bank Of America Heaquarter, but no mercy. I did send them whatever they asked me to do, but at the end they denied everything and telling me do short sale. The Bank Of America got money from the government to help me and people like me in the situation like this, I am shocked that why they are not willing to re-modified my loan for another 5 years, till I know where I am standing with my XXXX. I am not sure if My XXXX is coming back or not?, physically I am very week and do n't want to lose my home and do short sale as they suggested.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and I am writing to dispute the following information that appears on my Experian report from XXXX : XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XXXX  and a balance of {$0.00}. 
This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Consumer complaint received 2021-10-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CHALLENGE FINANCIAL SERVICES (FL)

I, the natural person, Consumer who is protected under the federal law is demanding, as a consumer of heaven, protected under the federal law, Title 15 Chapter 41 subchapter 5 1692 ( k ). compensation for DAMAGES, WILLFUL INJURY, UNLAWFUL ACCUSATION, ETC. I am demanding compensation and damages under a commercial tort, commercial security agreement including a fee schedule submitted under a UCC! with the Secretary of Treasury and in response to the Bill of Particulars sent to company certified mailing. ; for the false claims of an alleged debt to them. CHALLENGE FINANCIAL SERVICES AND XXXX XXXX XXXX XXXX, both have conspired against my 4th amendments rights, liable for damages and injury, not only that but My rights to privacy, while also breaching contract due to false and deceptive forms, business malpractice, and willful intent for emotional distress.
Consumer complaint received 2016-02-18
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (PA)

Received a phone call from XXXX lady said she was from apex and I was to call XXXX XXXX XXXX I called spoke to XXXX XXXX He said he was from a litigation group in XXXX XXXX XXXX said I gave him the collection number I was given XXXX said that he was trying to collect from a debt XX/XX/XXXX from Providian Credit cards Said was written off XX/XX/XXXX. This was well over the 4 year Statue of Limitation in XXXX. I told him that I did not know anything about this and that he needed to send me any information in the mail certified. He also said that he was going to sue me in court regarding this matter.
Consumer complaint received 2023-01-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc. (MS)

Home of Record : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Re : ( account number, if applicable ) On XXXX XXXX, 2022 I received an email from XXXXXXXX XXXX XXXX American Financial Network regarding the Application I'd completed on the XXXX official site with attached banking, employment, tax, and XXXX XXXX documents. 

My application was submitted prior to XXXX XXXX, 2022. I received email from loan XXXX XXXXXXXX XXXX XXXX XXXXXXXX stating he'd received my application from their system. He begins asking for the same documents I'd provided XXXX by XXXX. This went on for a span of XXXX weeks. We've gone through XXXX credit report pulls and my submitting letters from creditors of payments and balances made. XXXX was days apart and requesting the same documents again some for the XXXX and XXXX time. Were get to XXXX weeks and still there are no underwriting attempts for pre-approval. 

I made it clear I work in construction for a company that has projects in more than XXXX states across the United States. I work in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was then asked why I was buying a home in my home state but would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was denied the first Pre- Approval for this reason. I'm renting in the state of Georgia. My home is Mississippi as says my license, vehicle registration, voter registration, company pay stub mailing address, and other documents. Yet I can't buy in the state I live and work in another state which is the nature of my profession.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

in accordance with the Fair Credit Reporting act Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number 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 2022-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST (NV)

Since I opened my account with Bank of the West in XXXX of 2021, they have consistently stolen from me. They fraudulently opened an account in my name that I did not ask for or authorize. I have contacted them at least twice a month since I opened the account, filing several claims against them along the way, and they refuse to address their associate 's fraudulent actions and change my account to the correct one that I had initially chosen. To date, they have stolen {$80.00} from me, and continue to do so on a monthly basis. If they do not refund the money they stole from me and close this fraudulent account today, I will be filing legal charges.
Consumer complaint received 2016-05-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

I wrote a check from my Chase Bank account to a XXXX customer. The check was deposited into XXXX checking account ; it was cleared and the image was posted on my Chase account. However, the payee reported that the check in her XXXX account was reversed with a fee, after it had been credited. Who has the money? The money was already drawn from my Chase account by XXXX. How can I trace this money?
Consumer complaint received 2015-09-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX is attempting to collect a debt that was discharged. They are harassing me at my workplace and at home. It appears that they know the ramifications but they are persistent and they are sneaky and nasty ( and intrusive ) with their ploys.