davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-09
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)

I called the three reporting agencies about some fraudulent inquiries I found on my credit report. Each bureau told me to file a ftc report and I did just that along with my dispute letter, id, copy of my social security card, and copy of a utility bill. Its been well over 50 days and nothing has happened, the fraudulent inquiries are still there.
Consumer complaint received 2022-04-09
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. (NC)

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX has violeted 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 an account without my written instructions.
Consumer complaint received 2021-05-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION (TX)

Requested XXXX months forbearance during summer XXXX due to health. Resumed making house payments XX/XX/XXXX and every month after till the Month of XX/XX/XXXX when SunTrust terminated my Auto Pay and refused to accept my XX/XX/XXXX payment by phone, saying I owe for XXXX months of payments because of something called reallocation. When I explained this to my Loan XXXX with Bank XXXX XXXX, she and her VP of Refinance said I should contact you and a Real Estate Attorney in Texas for help. I have sent in XXXX Loan Modifications only to have everyone XXXX returned due initials not on new pages they would sneak in. Now I am going to send in the XXXX Loan Modification tomorrow. 
XXXX XXXX XXXX XXXX XXXX has spent XXXX months of Refinancing for me and SunTrust has blocked and refused to receive my forbearance at the closing table, that was the deal. Tried to get my recorded phone conversations with the agreements, they refuse to.
Consumer complaint received 2021-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Good afternoon my name is XXXX XXXX there are addresses and inaccurate debt that happen to appear on my credit my file a dispute the XXXX of XXXX I followed up a month later to see if they would remove the inaccurate information they did not so I followed up with another call to dispute it over the phone they again failed to remove the information
Consumer complaint received 2021-05-12
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. (OH)

I completed and delivered a hand written direct dispute to Transunion credit bureau on XX/XX/2021. In said letter, I informed Transunion that I would not accept their generic E-OSCAR system for a response. Low and behold, I received a generic response. Transunion understands they must send any documentation that will support what debt they have found to be accurate. I was not given any documents. Only the paper from Transunion that says the debt has been verified. Subsequently, I still have three items on my credit report that didnt get removed. Automatically, with me being XXXX XXXX that is the response they give us which is biased.
Consumer complaint received 2022-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (MN)

I got a letter saying I owe XXXX XXXX  but I closed that bank account and there was nothing on it that's what I was told and I fixed what was going on and I get mail from XXXX saying I been billed by buying XXXX  products and I don't have an XXXX I have an XXXX  phone and I don't know why I'm getting billed for anything I closed everything down and saying I accidentally opened an account that I didn't even need at all and they closed it so why am I getting something in the mail that says I owe XXXX XXXX
Consumer complaint received 2019-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

The bank robbery me a check of XXXX dollars more XXXX charged back fee. 
They are kidding with me, the check is from XXXX XXXX, it is not a bad check. 
I would like XXXX more XXXX dollars return to my account. 

account number XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (OH)

Hello, I would like to submit a complaint about Binance.us, I transferred cryptocurrency into their exchange around XXXX of 2020, I submitted by identify verification documents around that time as well. The verification is still pending as of today. I submitted multiple support requests 2 months ago and have not received any commutation from them other than a question from their support team asking if I still needed help. I have over {$10000.00} on my account at Binance and can not transfer or do anything with the money because my identity has not been verified. I submitted all requested documents and was verified when US users could use Binance.com.
Consumer complaint received 2022-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (TX)

I have multiple voice mails from Comenity bank regarding a XXXX XXXX. I dont know this man. I have had this phone number for 7-8 years. I told XXXX XXXX and XXXX XXXX that this number is not associated with XXXX XXXX and they keep harassing me. They call multiple times a day. My voicemail states this is the voicemail of XXXX XXXX. They are just harassing me at this point. They were obviously given a fake number by a thief. Not my problem. They refuse to give me there mailing address so I can send a cease and desist order. XXXX is one number they call from. When I block their number they call from an unknown number. Thats straight up harassment. The office number they leave on my voicemail is XXXX ext XXXX. Another ext XXXX from XXXX XXXX. I also have a message from XXXX XXXX, XXXX from XXXX ext. XXXX. The number XXXX shows XXXX XXXX. They are spoofing the phone numbers. Illegal. I want them to be held accountable for their constant harassment.
Consumer complaint received 2021-05-12
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: HOVG, LLC (CA)

I have filed several disputes to the credit bureaus and yet have failed to get a reply. I feel like im being taken advantage of and ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC (CA)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2022-04-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/2022, pursuant to 15 U.S. Code 1681i, I requested the description of the procedure of reinvestigation from Transunion ( complaint # XXXX ). On XX/XX/XXXX, Transunion responded that they would respond within 60 days. According to FEDERAL consumer law, This information was to be received within 15 days of the receipt of the complaint. As of today, XX/XX/2022, this information has not been received and therefore Transunion is in VIOLATION of my consumer rights. Since Transunion continues to violate my consumer rights and be willing fully negligent as it pertains to my file, I will be filing a dispute in small claims court to seek remedy for said violations.
Consumer complaint received 2021-05-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (NY)

I wired {$4500.00} from my chase account to XXXX for my XXXX XXXX investment account. I was also charged a {$25.00} wire fee which was refunded. Again I sent money from XXXX to XXXX through XXXX wire with a reference number XXXX I sent it to XXXX XXXX XXXX account number ending in XXXX. I dont see this number in the confirmation ledger. ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX : XXXX XXXX XXXX NY XXXX XXXX REF : FROM XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX XXXX XXXX : XXXX TRN : XXXX XX/XX/11 When i call XXXX XXXX they say they dont see it in the que and they cant find it for the last 3 days. Chase finally put in a recall after me calling 100 of times one person a supervisor said its completed its lost and hung up. This is not right. THIS IS A FEDERAL WIRE THAT INSTRUCTIONS WERE SENT PERFECTLY. 

THIS IS A VIOLATION OF MY CIVIL RIGHTS I CAN NOT EVEN WIRE MONEY LIKE EVERY OTHER AMERICAN AND NOT HAVE ANY PROBLEMS I AM A XXXX VETERAN AND THIS IS A VIOLATION OF MANY MANY MANY MANY MANY FEDERAL LAWS HELP ME GET ME MONEY
Consumer complaint received 2022-04-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (OR)

I had an account with Midland credit management on auto pay for over a year now. Always paying as agreed. I got a new debit card from my bank, my old one expired on XX/XX/22. All of my XXXX payments went through, no problems, except this one with Midland. On the XXXX they say it didn't go through. They then turned it over to collections on XX/XX/22. I tried to get them to fix it and put it back how it was and pay the " late '' payment if they removed it from my credit report like it was before. I was told they would not remove it unless I paid it in full. Now my credit is being affected because they reported it, and it was not my fault the payment did not go through, my card was valid until XX/XX/22 And then I activated the new one I received. I just want it put back how it was and continue my payments without it being on my credit report. I have screenshots of the entire chat with an account manager.
Consumer complaint received 2022-04-09
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. (MO)

There are several inquiries on my credit report that I did not recognize, and I did not give these companies permissible purpose to pull my credit. I have disputed them directly with the credit bureau and have not gotten a satisfactory response. I have reach out to the companies listed as having made the inquiry and they stated they would not be able to help me since I do not have an account with them. These listed inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. 
never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 



Below are the inquiries in question. 


XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX. XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2021-05-13
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: JPMORGAN CHASE & CO. (LA)

I already reached out to the credit bureaus and to JPMCB - CARD SERVICES and notify them of their error posting for this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof.
Consumer complaint received 2022-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (OH)

The company has called me 7 times since XX/XX/XXXX, most recently today at XXXX. Each time they ask if they " have the pleasure of speaking with the owner of such and such company '' I do not own the company, not associated with it, never heard of it. Each time I have told them they have a wrong number and to remove me from their list, not to call again. They continue to call. I have gotten more aggressive on these latest calls letting them know that this is now harassment and they are breaking spam laws. Told them I would report this to the FCC or whoever handles it, and this is one attempt to do so. The company is here : The Offices of Credit Management , LP XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX They are calling me from various phone numbers starting XXXX # # # # I can not get them to stop and I want them punished for violating my rights.
Consumer complaint received 2016-03-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP (CA)

I am a XXXX on a fixed income. I have just enough income each month to pay my bills and to feed and provide shelter for me. If I have extra expenses in one month, it puts me behind financially and this is what happened in this situation..I have a loan with Honda Financial. 
I have paid {$380.00} a month, without interruption, to Honda since XXXX, until a month or so ago, when it changed to {$400.00}, using the extra {$17.00} to pay off late fees that had accrued and for which your agency helped me to finally stop accruing. All because Honda would not change my payment date. 
In early XXXX XXXX, I had some extraordinarily large bills to pay. Car registration, and other car repairs that had to be done i.e. replace an old battery, as well as one-time medical bills.I tried to borrow money but I was not able to do do that. In any event if I borrow money it makes things worse, because I go further into a financial hole and can not pay it back.So now I owe {$400.00} for XXXX XXXX which I just do not have the money to pay. I just made a {$400.00} payment to Honda, which is all I could send, and it was applied to XXXX XXXX. Now, I am getting calls twice a day about the XXXX payment. I also received a very disturbing, threatening letter from a XXXX XXXX, ( XXXX ) XXXX of Honda telling me that Honda Financial will use every resource under the law to get that payment, including re-possessing my car. I have tried to remonstrate with Honda Financial, to have them understand that I am a responsible consumer who wants to pay her bills on time every month as I have done 5 years. I 've had a run of high expenses that have to be paid, I have not used the money for unnecessary frivolities.And yes, I yearn to be able to save money each month to cover emergencies such as I have just had, but I just do n't have the income to be able to do that. Can you please contact Honda and see if there can be a solution to this impasse between Honda Financial and me? I believe they think I 'm not terribly intelligent, and perhaps might be doing this on purpose. I 've had a run of bad luck, but now I would like to continue paying my monthly payment every month for the approximately 15 months I have left to pay off the loan. 
Sincerely, XXXX XXXX.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Conn's, Inc. (TN)

I purchased three tv mounts, washer and dryer and king size bed with mattress at Conns XXXX  in XX/XX/2021. I made my first payment of XXXX dollars in XX/XX/2021. I received phone calls stating that my account was late even though I paid before time and more then the minimum balance. I was then informed that I had two separate accounts and the balance only went to one account. I asked why did I have two accounts when I purchase all these items at the same time. They did not have answer and stated that they could merge the two accounts together when I bought the other account current however, this never occurred along with multiple phones calls and asking for this request. I begin to pay in large amounts in order to pay off the accounts. XX/XX/XXXX I paid XXXX dollars. I have asked for documentation of my payment history and yet have received. I noticed when paying large amounts of money my balance was not decreasing. I called and asked if they had applied interest to my purchase. I was informed that a interest rate was applied. I signed a contract that started that I had 12 months interest free. I looked up the interest rate which was 29.99 % that the company did not inform me of. The company refuses to take off the interest. I have tried on several occasions to reconcile the situation.
Consumer complaint received 2022-04-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of Little Falls, Inc. (MN)

I requested a validation of debt on XX/XX/2022. On XX/XX/XXXX I received only a statement from them saying that the debt was validated. The statement did not have any of this companies information on it nor was there anything that proves that this company has a right to collect on the alleged debt. They are reporting my personal information on a debt that has not been correctly verified. I do not have a contract with this company. They never provided me with a service but they are reporting on my consumer report. I have not received anything from them that gives them rights to be harassing me for this debt. I sent another validation of debt letter on XX/XX/2022. I have yet to receive anything.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

XXXX purchased for a concert on XX/XX/XXXX, concert rescheduled for XX/XX/XXXX, contacted company ( XXXX XXXX ) for a refund-called to dispute charge at that time. Chase refused to refund disputed amount of {$510.00}. Event cancelled again and apparently rescheduled to XX/XX/XXXX, had tried to contact company because account through XXXX 's site was compromised. No tickets ever received, no communication from them with rescheduled date. Chase refuses to refund the money stating they have a XXXX dispute limit, even though I had called well within the time frame originally to dispute the charge ( XX/XX/XXXX ) Chase has poor customer service. Employees are rude and one working from home had a female laughing in the background. Disgusted by them!
Consumer complaint received 2018-08-08
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report : Unknown Acct XXXX ( XXXX  ), XXXX XXXX/XXXX Acct XXXX ( XXXX, Transunion ), XXXX XXXX, AcctXXXX  ( XXXX  ), XXXX XXXX Acct XXXX ( XXXX, XXXX ), XXXX XXXX Acct XXXX ( XXXX, XXXX. Transunion ), XXXX XXXX XXXX XXXX/XXXX  Acct XXXX ( XXXX, XXXX. Transunion ).
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX residing in XXXX, Florida, disputing my credit files with all credit bureaus, I am very concerned because some of my information has been exposed to the dark web. I am sent information from XXXX and XXXX XXXX with a list from the dark web. My passwords are exposed and information that I can print out and fax or email to cfpb. I am disputing to all three bureaus, XXXX has not sent me results, my credit score has stayed the same since XXXX, my account number is XXXX my other scores are slowly improving. I am still waiting for my file, I have asked XXXX to mail me my report because I do not trust the report online. Please respond to me and mail me my updated and investigated file, I can again, print out the list of the dark web surveillance report.