davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections (UT)

The debt collection company claims that I owe {$1000.00} from an account with XXXX XXXX XXXX and {$180.00} from XXXX XXXX XXXX XXXX. I do not recall open accounts with ANY of those companies, and highly believe that someone else used my information in order to open accounts with those utility companies.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

Creditor " XXXX & XXXX '' has my credit report listed with two accounts ; I've only opened one account. XXXX, XXXX & XXXX is filing derogatory information on my credit report, saying the account is delinquent, when in fact they are receiving consistent and timely payments through XXXX XXXX XXXX on a monthly basis for the past two years. Third, while XXXX & XXXX indicated they rejected the payment arrangement offer made to them through XXXX XXXX XXXX, they continue to accept the payments being made, thus contradicting the law regarding resolution of credit accounts. The fact that they are receiving payments and have not returned payments made - they can not accept my payments while reporting derogatory information on all three credit reports.
Consumer complaint received 2021-04-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (TX)

Medical Data systems INC Account # XXXX Balance {$2100.00} When trying to validate they broke HIPPA law. I know my rights and this is very wrong. 
They must remove this collection from all credit bureau it reports to!
Consumer complaint received 2021-05-17
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: BYL Collection Services (LA)

The company is reporting to my credit report on a account that i have proven wasn't minds and all the information they have is incorrect regarding my personal information. I have reached out to the company many times and done disputes over and over proven my information and they still refused to delete off my credit report. The report amount of {$3700.00} for staying in a college apartment is not mines I have never stayed or went to a college in XXXX XXXX, La. The application was completely done online and was automatic signed with my name. No photo ID was given or proof that it was myself doing the application or staying in the apartment. I have asked for credit verification on the debt and proof of everything and they have failed to prove that the information was mines. My license number is wrong my bday is wrong this is the 6th time i have prove my information is all incorrect.
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (IL)

Citibank has continually assessed overdraft fees to my account in violation of the XX/XX/XXXX Overdraft Protection Law. When I contact the bank about this issue, they deny that this law exists or that they have done anything wrong. They claim it is part of my bank terms of service, but I never opted into the program and they can not provide any contract or paper trail confirming that I have opted in.

Details : Assessed {$34.00} overdraft fee on XX/XX/XXXX Contacted bank on XX/XX/XXXX Bank employees told me this was " how all bank accounts work '' and denied that there is any overdraft protection.

Refused to waive the fee
Consumer complaint received 2022-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC. (MI)

On XXXX closed on my first home at age XXXX. I was given 7 pages of XXXX of payments, which with ins was {$990.00} a month w INS. After XXXX yrs my new statement came in and the monthly payment was increased by {$500.00}, now I'm looking at a XXXX XXXX  month payment. I called the city & was informed the assessment done with previous owner was taxable & capped at $ XXXX, a year later the assessment is now $ XXXX which now increase my month payment by {$500.00} each month. The city said our realtor or lender should have informed me of this, the lender said it is not their job to know each city protocol. How can this be an oversight that the realtor, lender, city, and closer all failed to mentioned. My fiancee has XXXX & I'm a seasonal employee who was approved for a. 2.8 % fixed conventional loan in good standing yet at no point did anyone mention my mortgage after a year may increase as much as a third. I took in account a slight increase, but have 7pages from the lender, documents from the realtor when I made my offer, & along w the city everyone is pointing fingers to each other on this " expected oversight '' being off another {$500.00} on a {$900.00} mortgage is not an expected oversight. Meantime noone or nowhere does my papers mention a suppose proposal A or cap. All I get is accusations of others failing to do their job, yet all give me a different reason for increase.
Consumer complaint received 2019-01-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2018, at around XXXX XXXX, my debit card was used online at XXXX to purchase a XXXX XXXX Gaming Laptop for {$790.00}. The card number used for the order was stored on my XXXX online shopping account. The order was not placed by me, and was done so without my knowledge or consent. 

On XX/XX/2018, at around XXXX XXXX, I called XXXX customer service to report seeing the fraudulent transaction online. I notified the XXXX customer service representative that this was a fraudulent charge and requested the order be cancelled. The representative assured me that the order was then cancelled and advised me to change my password, which I did. I then called my bank, Chase, to report the unauthorized charge. Chase cancelled the card that was used for the transaction, and credited my account back the {$790.00} since it was reported as being fraudulent. 

On XX/XX/2018, I learned that XXXX denied the fraud claim filed by Chase. XXXX states the order was delivered, and was therefore not fraudulent. This caused a claim reversal charge of {$790.00} on my bank account. The order in question was not received by me. I then contacted XXXX  for more information regarding the alleged delivery. 

The XXXX  representative informed me that on XX/XX/2018, a XXXX employee called XXXX  to request a delivery change of address on the order. The person changed the delivery address from being my home address to a different address, somewhere in XXXX. I did not place this call nor did I have any XXXX representative call XXXX  on my behalf to edit the delivery address on this order. 

The data provided through the XXXX  tracking number confirms the item was delivered to the newly changed delivery address, at XXXX XXXX, on XX/XX/2018, and was left on the front porch. I has no affiliation with this address and therefore, did not receive the order. 

A representative from the XXXX claims department was on a recorded call with myself and a representative from Chase bank and stated that the charge was fraudulent and XXXX wrongfully denied it at first and would not dispute the claim again. The XXXX rep advised the Chase rep to go ahead and resubmit the fraud claim on the transaction, which would refund me. The Chase rep said since it was already submitted and deemed as " non-fraudulent '' they can't resubmit it, even though they have solid evidence and a police report stating it was indeed fraudulent.
Consumer complaint received 2022-01-27
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (NV)

This is XXXX XXXX XXXX XXXX XXXX Nevada I am a direct Express card holder. XXXX XXXX direct Express sent my debt card to someone in XXXX Texas. They stole $ XXXX and put my account $ XXXX have not had access to my account and still don't .Direct Express was supposed to send me a card I have not received one.

I tried calling direct Express there automated system said you're card has been mailed to XXXX Texas. Direct Express and Social security ha XXXX all my information My card should have not ever went to XXXX Texas. This was there mistake I should not be responsible for there mistake that got my money stolen, put my account $ XXXX my identity stolen. Direct Express is Responsible for this and why should it be put on my. account.They owe me $ XXXX take the, $ XXXX off my account. And there ain't nothing they can do to make it right about getting identity stolen. BUT I SHOULD NOT BE RESPONSIBLE FOR ANY OF THIS WHAT SO EVER THEY MADE THE MISTAKE AND IT WAS AGAINST MY ACCOUNT AND THEY STILL HAVE NOT GOT ME THE OWNER OF THE A CARD. THEY SHOULD HAVE TO CLEAN THERE OWN MESS UP THEY HAVE NOT DONE NOTHING TO CORRECT THIS ITS MADE ME PHYSICALLY SICK I CANT SLEEP. 
I NEED THIS CORRECTED. IM NOT RESPONSIBLE FOR THERE MISTAKES MY IDENTITY GOT STOLEN. 
SINCERELY XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting 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. (OH)

It appears that my credit with you has been compromised. I was going through my records and noticed that the disputed inquiries, which do not belong to me were still reporting in my credit reports. This is another request to remove the inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after the ( XX/XX/ ). Ive already included this issue in my previous letter & I am including it again. Also, the information you provided on these inquiries are UNKNOWN to me and were REMOVED from other bureaus and I have doubts about your reporting accuracy. 
EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-11
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 sent a wire transfer for USD {$10000.00} on XX/XX/2022 from XXXX XXXX  in XXXX XXXX XXXX where I live. The next day I was informed that the account number was incorrect and the recipient rejected it. I returned to the XXXX branch I sent it from ( XXXX XXXX XXXX branch, my local ) that same day and canceled it, and was informed that I would receive the funds on Monday XX/XX/2022. Since then I have struggled to get the money back with no success. I have spoken to XXXX personnel numerous times and all I get from them is that the hold up was Chase bank who would not release the funds. XXXX XXXX wire office has reportedly sent them instructions to reclaim the funds twice. It is now 20 business days since I canceled the wire with the bank officer and I still don't have the money back.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE)

Greetings and Blessings from the Most High God, I am writing to you regarding recent verification of certain accounts associated with my credit report. According to the Fair Credit Reporting Act ( FCRA ) and other relevant laws, I am entitled to request information regarding the method of verification used in the process. 

The accounts in question have been marked as verified, and as a consumer, I am seeking clarification on the specific method or methods employed by your organization to verify these accounts. This information is essential for me to ensure that the verification process complies with all legal requirements and standards set forth by the FCRA. 

Account ( s ) - XXXX  XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX Please provide detailed documentation outlining the method ( s ) of verification utilized for each of the verified accounts. This may include, but is not limited to, any correspondence exchanged with the original creditor, verification through reliable third-party sources, or any other means deemed appropriate under the FCRA guidelines .
Consumer complaint received 2022-01-27
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. (NY)

From 2010 to present credit services such as XXXX XXXX, XXXX XXXX, XXXX XXXX, is reporting my old accounts with Transunion, XXXX, and XXXX on my credit profiles as paid/zero and closed as open. This practice must stop and all the accounts must be deleted. These accounts should not be reported monthly. This fraudulent activity and unfair. XXXX XXXX XXXX XXXX XXXX XXXX  my opportunities for a financial breakthrough with a bank or credit permanently hinders because the fico score, vintage scores and scoring symptoms will not increase but surly to continue decreasing thus keeping my credit in a derogatory and negative status along giving future creditors negative reports on my credit profile.
Consumer complaint received 2022-01-27
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: DISCOVER BANK (RI)

bought 2 cameras recieved they were not working, tried to find out persons address thru XXXX  unsuccesful disputed charge with discover credit card company as i used that as payment. discover denied my dispute and closed dispute. i called discover several times spoke with XXXX and XXXX in customer service no help asked to speak to a supervisor they guaranteed a supervisor would call me in 24 hours they never called. i asked that my dispute stay open so i can send the damaged cameras back to seller as atleast XXXX  after several calls gave me address. discover basically told me waste of time as my dispute is closed. discover says you are protected when you use there card no protection and get the run around and tell you basically your out of luck. i am stuck with damaged goods and no recourse to get refunded my XXXX dollars from discover card in XXXX XXXX XXXX utah. this is unfair business practice and fraudulent. i recieved damaged goods and have to pay for them with no recourse from them.
Consumer complaint received 2022-01-27
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: LEXISNEXIS (UT)

XXXX XXXX AND LEXIS NEXIS ARE REPORTING FRAUDULENT INFORMATION IN MY NAME, SUCH AS HARD INQUIRIES ON CREDIT REPORTS AND LEXIS NEXIS WILL NOT OR HAS NOT SEALED MY LEXIS NEXIS REPORT AS I HAVE ASKED THEM TO DO FOR 5 YEARS SO FAR. 
XXXX XXXX. HAS NOT REMOVED FRAUDULENT HARD INQUIRIES FROM MY CREDIT REPORT DUE TO ID THEFT. 
AS STATED IN THE FCRA.
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

The problem Am having with Experian is that the Length of time these accounts have been on my credit profile has exceeded the Statue of limitations allowed. By LAW any accounts older than 7 years Need to be deleted off my credit report. These accounts have been on my credit report for 7 years and needs to be deleted right now because its violating my consumers rights
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Card Services reported a charge-off account to credit reporting agencies. I do not recall getting credit card from Wells Fargo. I wrote them a letter on XX/XX/2019 to explain the matter ; they never responded to my letter. I never had a credit card with Wells Fargo.
Consumer complaint received 2022-01-27
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. (MI)

THIS IS MY 2ND AND FINAL ATTEMENTED TO RECEIVE DOCUMENTATION my name is XXXX XXXX XXXX, and I dispute the validity of the debt shown below and I am REQUESTING documentation showing the following validation of debt request : -Proof of your right to own/collect this alleged debt - HIPPA Contract bearing my personal signature Also, I am Requesting the name and address of the original creditor and HIPPA form with XXXX signature giving Collection Agency XXXX XXXX XXXX XXXX XXXX permission to access and collect my medical records. 
ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$210.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$980.00} ___ACCOUNT NUMBER : XXXX OPEN DATE : XX/XX/XXXX AMOUNT : {$590.00} IF THIS REQUEST OF INFORMATION CAN NOT BE PROVIDED, PLEASE CEASE THIS COLLECTION IMMEDIATELY OR LEGAL ACTION WILL BE TAKEN
Consumer complaint received 2022-01-27
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. (TX)

i received a notification on XX/XX/2022 that there was an inquiry on my credit report from XXXX XXXX XXXX  XXXX XXXX XXXX SD which lowered my credit score as a hard it due to inquiry down to XXXX points. I contacted the bank on XX/XX/2022 at XXXX am cst and learned a credit application was fraudulently open in my name and with my social security number. The bank sent me a let dated XX/XX/2022 reference number XXXX db/amc to file a identity theft report with FTC. With the report i can forward the copy to them for this to be removed from my credit. XXXX XXXX XXXX  is not willing to correct the error and insist i do all the work to correct their action of accepting a fraudulent credit application.
Consumer complaint received 2022-04-11
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 XXXX  Account # 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 reportina agenc can not furnish a account without my written instructions
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

all three credit companies have continued to violate and allow the collection company to commit fraud when place new start up dates when it comes to a loan that is not recognized listed as more than 7 years old and operantly indisputable. not only is the original debtor nowhere displayed but also the account is riddled with fraudulent charges and misdirected fees. Allowing collections agencies to reinsert and update the starting date equals extorsion not credit collection
Consumer complaint received 2022-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

all three credit companies have continued to violate and allow the collection company to commit fraud when place new start up dates when it comes to a loan that is not recognized listed as more than 7 years old and operantly indisputable. not only is the original debtor nowhere displayed but also the account is riddled with fraudulent charges and misdirected fees. Allowing collections agencies to reinsert and update the starting date equals extorsion not credit collection
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION (AZ)

I took this company 24 hours to cost me 2 jobs, because of there error. I was advised since I was unemployed for the month of XX/XX/, I was placed on the payment plan of {$20.00} every 2 weeks. I made those payment as agreed. Tuesday evening, my car was Repo 'd. I called and was given the a lie reason, that my payment was late by 1day. Not my fault there system processed it late. Then I spoke to a supervisor and was told a different story. In total I spoke to 4 different Reps 2 of them managers, 4 different story 's. They wanted a total of {$840.00} to obtain the car back. Now how am I suppose to do that when I lost both of my job in one day.
Consumer complaint received 2021-05-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NAVY FEDERAL CREDIT UNION (MD)

I have asked Navy Federal Credit Union to verify the debt ( per FDCPA ) and to respond to my request within 30 days. The document was sent via certified mail with a return receipt. There was a return mail receipt signed and forwarded back to me. Therefore, the document was received. 
In the notarized document, I asked for debt verification. Prior to this, I spoke with an agent on the phone asking for a full document explaining the details of the car loan. I only received a XXXX page document that spelled out interest rates, the amount of the loan, and the number of payments. If this was/is an executable contract, there should be XXXX signatures, XXXX from myself and the other from a duly authorized Navy Federal Credit Union employee XXXX ( see document attached -requesting this information ). The notarized document was sent to them early XX/XX/2022. However, after submitting the document via certified mail, I have not gotten a response in writing. My request has been ignored. Please address this issue as soon as possible.