davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (TX)

My name is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Last 4 of social security XXXX. 

This is a disputed Identify Theft and I have been on the phone with Discover Card for over 1.5 hours. During that time I was transferred from one person to the next, then waited for what seemed an eternity for next available agent. For 5 times, I was transferred then while on hold I finally was disconnected from Discover Card phone bank. Seems the discover card Fraud division has no clue how to get rolling on removing of the discrepancies and inquiries from my credit bureaus. This is totally unsatisfactory for any customer to be transferred this much. I have NOT done any business with Discover nor do I wish to. 

I have filed a police report with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Report number - XXXX. 

Should you have any questions, I can be reached at XXXX or my email at XXXX. Thank you, XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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. (KY)

NOTICE OF DEFUALT THIS COMAPNY HAS NOT REPSONDED TO MY CORRESPODENTS CONCERING MY CONSUMER RIGHTS BEING VIOLATED. 
THIS COMPANY HAS IGNORED THEIR DUTY TO PAY CONSUMER FOR ALL CONSUMER VIOLATIONS PURSUANT TO FCRA. 
THIS COMAPNY CONTINUES TO WILLFULLY WITH NELGIENCE HINDER MY LIFE BY NOT FOLLWING CONSUMERS DEMAND FOR THE VIOLATIONS THAT HINDERD MY LIFE AND WELL BEING. THIS IS BECOMING A STRESSFUL SITUATION WHEN IT SHOULDNT BE. MY XXXX XXXX AS A XXXX  SHOULD NOT BE AFFECTED BY VIOLATING COMAPNIES.
Consumer complaint received 2022-08-18
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. (MI)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-06
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. (CO)

XXXX  and Transunion are reporting incorrectly a collection in the amount of {$110.00} on the -XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I cancelled this account and returned the equipment within the time frame outlined in their contract. The representative I spoke with confirmed the closure of the account and verified that the account was in good standing. I did not know I had a collection from XXXX until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Figure Technologies, Inc (GA)

On XX/XX/2020, I applied for an online equity loan via Figure Loans. Figure gives an address as XXXX XXXX XXXX. in XXXX XXXX, CA. The process sounded easy, and Figure does not require appraisal. Instead, they base your home value on XXXX estimate, which was XXXX for my home. After submitting my information, Figure declined my loan request, mainly because of my home value. They valued my home at XXXX. I called and a supervisor gave me a convoluted explanation that did not explain the difference in value. I think this is a scam to collect personal information, and ding your credit with an inquiry.
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

To Whom This XXXX Concern, Some time in the summer of XX/XX/XXXXmy checking account was compromised with Bank of America. I called BOA to let them know about the fraudulent activity they then closed my account and have now seem to have blacklisted me from doing business with them. I am the owner of a business, which does have a business bank account with BOA, but it is under my wifes name. In order for me to XXXX in my business and life in general, I need to have access to the account. I ljust dont understand how I was penalized when I reported the fraud as an honest individual should. I would like your assistance on getting this resolved.
Consumer complaint received 2023-01-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Great Lakes Entities (PA)

I was first contacted in XXXX about a debt of mine that was sold to another debt collection agency. The agency was XXXX XXXX XXXX. I wanted to take care of the debt so I gave my card information and made the payment. the transaction total was {$620.00}. The original debt was for the XXXX XXXX in XXXX Tx in XXXX I believe. I think this debt was charged off on my bankruptcy in XXXX. 
I paid the account off in XXXX when I was contacted by the debt collector. I had to call several times after the transaction to get the paid in full receipt. Every time I called I was connected to a different person. I could never get back in touch with the same person. 
I was promised a paid in full letter 30 days after the transaction. In mid XXXX I still had not received any documentation, so I started calling all the numbers back that were saved on my phone. None of the number worked or were in service. So I filed a dispute on my debit card to get my money back, my bank gave me back my money. On XX/XX/XXXX I began to receive calls again about the debt in question. I asked to this transaction through the mail and that request was denied. 
The phone numbers associated with these called are XXXX, XXXX. Along with a few others. Non of the addresses associated with this company are real and neither are the numbers. 
I was told that I am going to be sued and my accounts will be flagged in the XXXX.
Consumer complaint received 2022-09-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I filed for COVID forbearance because I was not able to pay. I received Mortgage assistance. I dont know if the mortgage assistance was applied correctly because the second Principal balance still seems high. I am currently paying my mortgage on time. I am just concerned that Wells Fargo may have added additional unnecessary interest and fees that were not supposed to be added if I had the COVID Forbearance.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: AMERICAN EXPRESS COMPANY (NE)

My direct deposit was processed and sent to Amex serve on XX/XX/18. I spoke with the CEO of our company whom confirmed with the bank that it was sent over to American Express Serve and they accepted it. 

This is the third time this has happened. The second time it happened i waited 7 days for my money and American Express deposited {$50.00} good faith credit in my account without speaking to me and sent me a letter of apology. This time i am afraid as i have rent to pay in less than 48 hours. I am in tears and i cant get through to anyone in customer service i have been trying since yesterday.
Consumer complaint received 2019-09-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I was left a voicemail stating they were a mediator and my case is in civil court so I needed to contact them immediately. Once I contacted the lady stated my court date was XX/XX/XXXX and she needed to email me the court documents. I explained I do not have a debt. for this amount or with this company and at this point she got very feisty and said she finds that hard to believe since the years were for many years. The agent kept putting me on hold and said she would send me copies of documents by email and that was a lie. The email was a notification letter to collect a debt. 
I called back and spoke to another agent who apparently lied as well by saying he would handle this and believes it might not be my debt and will get me copies of the contracts as well because I requested the proof and he also said he will keep this from the upcoming court date. This agent said he will email me proof and again all I got was a lie and a notice of an attempt to collect a debt. This agent also stated I didnt have to do anything because he was taking care of this but he lied and if I dont respond then I pass the 30 days. 
The agent I spoke to the first time I think was XXXX and the 2nd agent was XXXX XXXX. 
This is NOt my debt and I requested the original contract to prove its me!
Consumer complaint received 2019-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/2019 I walked into TD bank in XXXX XXXX to withdraw my money that was deposited and cleared long ago. XXXX the Manager refused to give me my money because she said it was to big of an amount. She the. Said she could give me a couple of hundred dollars however I needed much more to pay my rent. She told me because she could not verify me even though I had my liscense that she wouldnt give me my own money.
Consumer complaint received 2021-02-04
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. (MS)

I disputed and inaccurate report bankruptcy with XXXX  XXXX and Equifax. I reached out to the bankruptcy court and was told that they do not furnish this information to the credit bureaus. However XXXX  sent a letter saying the plaintiff attorney verified the bankruptcy. The bankruptcy court provided me a letter ALREADY stating that this was false so clearly XXXX  is lying. 

I have reached out to an attorney and will file a suit against XXXX  Equifax and XXXX for inaccurate reporting Equifax and XXXX  claim they for their information from XXXX XXXX. However XXXX XXXX doesnt have this information in their file and claims that they never verified this info with the bankruptcy because they can not verify false information
Consumer complaint received 2023-01-26
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

i have a couple bank of America accounts attached to my XXXX XXXX profile i would like to have removed because they are not mines. Wrong ss number as well wrong address i never lived at. I will attach my ss number with my driver license so that its proof wrong person and how could someone attach a wrong ss number account to my profile? the accounts is listed below Account : XXXX, XXXX I tried to open account with Bank Of America and was told i had already had account so i order my XXXX XXXX  and XXXX to see where the inaccurate was. Please from from all Platforms that you report to Please.
Consumer complaint received 2021-09-23
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: Fidelity National Information Services, Inc. (FNIS) (TX)

I didnt no apply for XXXX bank account and i have the dispute open with chexsystems and at first they denied it and im sending them documents to them to get it blocked/removed off my file... and i would like a copy of my chexsystems report .... the dispute in question is XXXX bank xxxxxxxXXXX balance XXXX ... this account was open without my consent this is fraud
Consumer complaint received 2022-08-17
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. (AL)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX 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/consent.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IA)

I was talking to a man online. His name was XXXX XXXX out of AZ. He was o we seas and needed help. He offered to pay off my card if I would take a cash advance. He made the payment. It took time for it to clear. When it did I called XXXX different people at the card company telling them I felt this was a fraud payment. Telling them that I did not think it was from his account. Both times I was told that it was a secure payment and everything was fine. The second person allowed me to take the cash advance. 20 days later the payment was pulled back as a fraud payment. I have been to other government agencies turning him in. His phone and XXXX have shut him down for fraud. Because of the workers of XXXX I am now in debt this money. This card needs to be held accountable for not providing full details that the payment could be pulled back especially after I told them I felt this was a fraudulent pay off. I have a list of all dates, card numbers, where I had to send the moneyeverything.
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

Due to a major data breach, and my spouse receiving four debit cards in the mail from various online banks, I tried to place a security freeze at Clarity Services , Inc. We each already had security freezes in place at the XXXX  major credit reporting bureaus and XXXX . It was not difficult to place the freezes at any of these agencies. The Clarity Services website allows for an online request but it always returns an error and demands that I mail or fax them a copy of my social security card and driver 's license. I also tried to place the freeze by phone and had the same result. Given that none of my information has changed in at least XXXX  years, and that I had no problem at the other agencies, I am very suspicious and angry about having to do something so risky with my sensitive documents. This is triply true after I XXXX  Clarity Services and see that they have been fined in the past for doing very shady things with people 's data. I imagine that if I fax or mail them all my documents, they will take that information and sell it on the dark web. This is obviously a shady company and they have made me a XXXX by refusing to put a credit freeze on my account because either their system is terrible or they want my documents for nefarious purposes. We're trapped!
Consumer complaint received 2020-02-06
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: EQUIFAX, INC. (IL)

XXXX-XXXX pulled a hard inquiry on my credit on XX/XX/2020. I did not request new services and did not contact them at all. 2 weeks ago I cancelled services.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NV)

I was fraudulently charged XXXX dollars on my Verizon Visa Credit card. Synchrony Bank took that charge off and sent me a new card. After I received the new card, the XXXX  charge was reinstated. I have called Customer Service XXXX  times at Synchrony Bank and they will not give me the name of the organization that fraudulently charged me or their address/phone number. I'm simply told my complaint will be forwarded. I have also been blocked from accesing my Verizon Visa Account online at : https : //www.synchrony.com/accounts/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-06
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 applied for an XXXX credit card and was denied because XXXX XXXX  said the credit score of XXXX on Transunion was too low and had several accounts in collections. First of all i have Never in my entire life ever had a credit score of XXXX with any of the credit reporting agencies. I also have no open accounts or delinquent accounts in collections. I wrote XXXX XXXX a letter and attached a copy of my credit scores from both Transunion and XXXX  and both were in good credit standing and scores in XXXX and XXXX from XXXX. 

I do not appreciate being discriminated or denied credit based on false information.
Consumer complaint received 2020-02-06
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX  ran an unauthorized credit check on my credit report on XX/XX/XXXX XX/XX/XXXX. I sent a letter to Experian, XXXX  as well as XXXX XXXX XXXX  asking for removal of the unauthorized inquiry. Experian, and XXXX  said I needed to reach out to XXXX XXXX XXXX ( which I did in writing ) and the inquiries are still reporting. 

I did not apply for a line of credit from XXXX XXXX XXXX. I would like the inquires to be deleted NOW. It is against the law to run an unauthorized credit check without my permission.
Consumer complaint received 2020-02-06
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: EQUIFAX, INC. (CA)

XXXX XXXX Bank ran an unauthorized credit check on my credit report on XX/XX/XXXX XX/XX/XXXX. I sent a letter to XXXX, Equifax as well as XXXX XXXX XXXX asking for removal of the unauthorized inquiry. XXXX, and Equifax said I needed to reach out to XXXX XXXX XXXX  ( which I did in writing ) and the inquiries are still reporting. 

I did not apply for a line of credit from XXXX XXXX XXXX. I would like the inquires to be deleted NOW. It is against the law to run an unauthorized credit check without my permission.
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica (FL)

I receive my Social Security benefits deposited on my Direct Express Card on the 3rd of each month. On XX/XX/2020 I checked my account and was notified that it was under " fraud suspension ''. I called the customer service number on the card and was unable to speak to anyone. I made a multitude of calls to that number and have still not been able to speak to anyone. I also contacted the issuing bank and was told they have no connection with the card, they just issue them. Then I filed a complaint thru their company, received one call from a representative who left a message with a number for me to call back and, after 8 ( eight ) calls in two days ) have been unable to talk to anyone. I am a XXXX-year-old XXXX  who lives on Social Security and now there are two month 's worth of benefits tied up on this card because I can not get an answer as to what is happening with the " fraud ''. This card to recommended by the Social Security Administration and all I can say to that is " DON'T USE IT. IT IS A SCAM ''!!!!! From now on I will be using a conventional bank account and recommend everyone else does the same.