davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AA Recovery Solutions, Inc. (OH)

Contacted via email about a debt for two motorcycles I purchased. One was already repossessed, and the other one was not. Threatened many times about being sued, wages garnished, and possible arrest by police. Never received anything via mail, only calls and emails made/sent to myself as well as my mother. They said the same threatening things to her about what could happen to me, if the debt wasnt payed immediately, and continued to badger her without any permission from me to talk to her about my debt..They have offered a settlement, but they wouldnt provide a physical address of their business until my mother told them we wouldnt send any money without knowing where theyre located. They had originally asked for payment over the phone, and then gave a PO Box where to send it. When I searched for information on the internet I found on the XXXX that this agency name and address was closed, and many of their tactics where reported over and over in complaints to the XXXX. I did ask them about finding on the XXXX site where it said their business closed, and they told me businesses change all the time ... The name the collections agency gave me was AA recovery solutions, also used the name AARS. The address they finally gave me after repeated attempts to get it from them is, XXXX XXXX XXXX XXXX XXXX with a zip code of XXXX. Im not sure where to go at this point, all the phone numbers I found associated with them say they are not in service. Even the ones on the website ( XXXX ) they gave me didnt connect me to anyone. I was told I needed to send the money two day express with no signature required, and that I would receive a clean title to the motorcycle, the one that wasnt repossessed, 1-2 weeks after they relieved the money. I did contact the original company I purchased the motorcycle from, but they were unable to give me any verifiable information about the debt. I called two different numbers. One of them I found on line, but the XXXX representative couldnt tell me anything about the debt. Also called a XXXX phone number given to me by AA, which told me the debt was bought out by XXXX XXXX. Ive never received anything from XXXX XXXX about this debt. AA recovery solutions said XXXX XXXX bought the debt, and AA recovery is the third party used to collect the debt .... Ive been told so many things by AA recovery solutions, and many of them have been contradicted from one phone conversation to another, and from what is told to me vs what is told to my mother. Also, the information Ive found online doesnt substantiate the information AA has given me ... I have no idea where to turn at this point, or whom to believe. Any help you could give me would be greatly appreciated.
Consumer complaint received 2019-07-03
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. (TX)

There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX
Consumer complaint received 2019-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Have contacted all 3 credit bureaus numerous of times to get items that are not mine to be removed and they refused to investigate them accurately and delete them the accounts that are not mine and need to be removed are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and unknown collection. I ve supplied ID Theft Affavaid, police report and constant dispute letters I have sent out letters on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XXXX, XX/XX/2019 they keep asking for identification documents I have submitted my ID, Electric Bill, Bank Statement, Social Security Card and Red Light Volition. Submitted them everything and they keep asking for more information and not processing disputes.
Consumer complaint received 2019-07-03
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. (IL)

Have contacted all 3 credit bureaus numerous of times to get items that are not mine to be removed and they refused to investigate them accurately and delete them the accounts that are not mine and need to be removed are : XXXX XXXX, XXXX, New York, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and unknown collection. I ve supplied ID Theft Affavaid, police report and constant dispute letters I have sent out letters on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XXXX, XX/XX/2019 they keep asking for identification documents I have submitted my ID, Electric Bill, Bank Statement, Social Security Card and Red Light Volition. Submitted them everything and they keep asking for more information and not processing disputes.
Consumer complaint received 2019-07-03
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. (OH)

XX/XX/2019 i disputed closed XXXX XXXX account that is currently open and paid on monthly XXXX XXXX XXXX.XXXXXXXX did conspire to report falsely that my credit account was closed damaging my credit causing public embarrassment and inability to use credit.
Consumer complaint received 2019-07-03
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. (IL)

Have contacted all 3 credit bureaus numerous of times to get items that are not mine to be removed and they refused to investigate them accurately and delete them the accounts that are not mine and need to be removed are : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and unknown collection. I ve supplied ID Theft Affavaid, police report and constant dispute letters I have sent out letters on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019,XX/XX/2019, XX/XX/2019 they keep asking for identification documents I have submitted my ID, Electric Bill, Bank Statement, Social Security Card and XXXX XXXX XXXX. Submitted them everything and they keep asking for more information and not processing disputes.
Consumer complaint received 2019-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/XXXX, someone fraudulently transferred {$2100.00} through XXXX from my Bank of America checking account. I prepare taxes for a living ( so I was very busy on XX/XX/XXXX ), therefore I didn't discover the fraudulent transfer until XXXX XXXX on XX/XX/XXXX. I immediately called Bank of America about the fraudulent transfer. They put a " freeze '' on my checking account, gave me a claim number, gave me a new online ID and temporary password, told me that it would be 10 business days until they would/could give me a temporary credit. My husband and I went to a local Bank of America branch on XX/XX/XXXX to open a new checking account. The local Bank of America employee had me look in my phone at my email account, and we discovered in my trash email folder, an email ( that I had NOT AUTHORIZED ) confirming that " I sent {$2100.00} to XXXX, XXXX ''. He said that they most likely hacked into my XXXX email account through my cell phone. I changed all of my passwords, filed a police report and FBI report, put a freeze on my credit with all three credit bureaus per their advice. So on XX/XX/XXXX, I called Bank of America 's digital fraud department because that was the 10th business day, and they said that the claim was denied per the " investigator '' because the device that was used to authorize the fraudulent transfer, had been used to access my online banking back in XXXX and was also being used to access the BofA mobile app since the freeze took place. That is because it is MY cell phone that was hacked into! They reopened the case with the " new '' information and said that it would be resolved no later than XX/XX/XXXX. We have been customers with Bank of America for over 24 years with NO issues in the past ... ..I also never use XXXX transfers to send any money to anyone! My husband and I NEED this {$2100.00} back to cover our XXXX federal tax payment and additional bills! This has been RIDICULOUS!!! We were stolen from and now BofA is accusing us of being negligent and authorizing the fraudulent transfer! XXXX!!!
Consumer complaint received 2019-07-03
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. (FL)

Two accounts are still on my credit history after contacting the credit bureau. They have the incorrect status and account balances. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2020-12-22
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)

XXXX is reporting I have 2 collections in the summary section of my credit report. However, I there are not collection listed, please correct the error as it's effecting my credit report. 

I have attached screen shots as well. Please correct ASAP.
Consumer complaint received 2018-04-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC. (AR)

Ally financial is trying to collect on a account thats not mine nor did I sign for to be a co signer for. The date opened was XX/XX/XXXX for {$11000.00} and closed on XX/XX/XXXX. They have called and harassed me about this account and threatened me about and I tried to explain to them but they just kept on. I even checked and they are not even licensed to collect in the state of Arkansas.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HireRight Solutions, Inc. (FL)

Applied for a job and was required to go through HireRight for verification of resume, motor vehicle report, and other info. Information found on report is heavily inaccurate, and deposits trying to correct info on report, HireRight has not corrected. This has caused me to lost two opportunities and they also couldnt verify my references, though personal and Hr numbers weee provided for the school district I worked for. These people are XXXX clueless.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

When I applied for a CC I was prompted that I will be contacted soon. I know I have a Fraud alert on my account, The process is the same I call in and Verify my identity. when I called in I was transferred to Application Fraud Department and XXXX was unhelpful Belligerent and rude to me. When I offered to verify my identity he stated he declined my application. He did not allow me the opportunity to verify and I asked for a supervisor in which XXXX responded rudely " They will tell you same thing '' and tried hanging up on me until I repeated several times to get a supervisor.
Consumer complaint received 2019-09-19
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: Continental Services Group, Inc. d/b/a ConServe (NY)

I have a closed account on my credit report that I have fully paid off. I tried to contact the company in which controlled the account to get it off my credit report because it is paid in full. They said it was against policy to take if off of the credit report, so here I am now trying to contact you guys if you can help get a closed paid off account off my credit report.
Consumer complaint received 2016-11-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

All Payments have been made to fifth third bank they reported me for fraud which is a lie I was giving a bad check I never withdrew the money from the bank so how is that fraud I even paid the bounce check fee I have disputed the issue and they reported me to checking account agencies which want allow me to open accounts after I paid them XXXX yes chump change and they acting like I stole XXXX dollars Filed a false claim under my name for their own personal Agendas.
Consumer complaint received 2022-10-18
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identify theft and did not make the charge. I ask that the following items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identify Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-09-19
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. (PA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft.
Consumer complaint received 2016-11-25
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (CA)

When I changed Chase credit payment ( always in full ) from monthly check to automatic bank withdrawal, Chase changed autopay settings from full payment to minimum payment. Although I was advised in writing in the consumer advice accompanying the card that this change is automatic, I never read it -- my fault not to read the voluminous fine print. Interest charges accumulated for a few days until I realized this had happened, changed payment details to full payment and persuaded Chase to refund the interest ( {$190.00} ) which they did. So far so good. But Chase reckoned somehow that there was a residual in the second month and, despite having been paid in full on time, Chase assessed a second interest charge ( {$140.00} ) on XX/XX/2016. This charge did not appear on a statement until XX/XX/XXXX and I did not notice it until XX/XX/XXXX. My argument to 2 different supervisors that, having refunded the first payment Chase should also refund the second, was rejected because they claim the 90-day interval ( XX/XX/XXXX from assessment to XX/XX/XXXX ) had elapsed. I claim that the interval should begin on XX/XX/XXXX when I was first notified, unsuspecting that there would be any late charges because all payments after XX/XX/XXXX were made in full on time. Chase expressed sympathy and I believe would have refunded but for the way they calculated 90 days. They refused refused to reconsider, we did not reach agreement and we left the matter unresolved, except they have the money.
Consumer complaint received 2021-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had two credit cards with Bank Of America. One was a cashback reward card and the other was a point reward card. I had the cards for a number of years and paid them on time. A few months ago Bank Of America arbitrarily decided to close both accounts. I tried using the rewards that had accumulated but it wasn't working. I called Bank Of America and was told that I had forfeited the points because my account was closed even though I wasn't the one that closed the accounts.
Consumer complaint received 2020-11-11
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. (MA)

I HAVE A CREDIT INQUIRY/REVIEW PULLED YNDER MY TRANSUNION CREDIT PROFILE # XXXX GEBERATED XX/XX/2020 THAT DISPLAYED A ACCOUNT REVIEW INQUIRY BY XXXX XXXX ON XXXX WAS NOT DOING BUSINESS WITH XXXX AT THAT TIME ..THE PROBLEM IS IT WAS NOT A PROMOTIONAL REVIEW IT WAS UNDER " ACCOUNT REVIEW '' /YOU CAN ONLY ACCOUNT REVIEW WITH EXISTING ACCOUN WHICH I DID NOT HAVE AT THAT TIME, NO MATTER A SOFTORT HARD IT WAS AND " ILLEGAL NON PERMISSABLE " REVIEW FOR I DID NOT HAVE AND ACCOUNT.I WANT TO KNOW FOR WHAT PURPOSE IT WAS [ PULLED.YPUR REPRESENATIVE TONITE SHOULD HAVE ROPENED A DISPUTE AND SENT TO XXXX AND HE JUST SAID CONTACT XXXX.I HAVE AND THEY DENY THE PROOF I HAVE PROVIDED WHICH I SENT TO TRANSUNION AND THEY SENT ME A LETTER BACK SAYING COULD NOT FIND IT.THERE WAS NO EXISTING ACCOUNT WITH XXXX TO REVIEW THAT IS THE POINT, XXXX XXXX XXXX @ XXXX  CUSTOMER ADVOCACY HAS RECEIVED THE PROOF AND HAS WRITTEN TO CPFB NOTHING EXISTS ..XXXX  IT DOES .I AM SUBMITTING AGAIN TODAY DENIED IT EXISTS IT DOES
Consumer complaint received 2018-04-30
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. (VA)

Hello, I have tried repeatedly to get XXXX XXXX to report correctly on both my mine and my husband 's credit reports. We had to file chapterXXXX bankruptcy in XX/XX/XXXX. We put the past due balance in the bankruptcy, but we continued to pay the current mortgage directly to XXXX during the 5 years of the bankruptcy. We made consistent, on time payments the whole 5 to date. They reported the account closed during the 5 years. After discharge in XX/XX/XXXX they still showed our account closed. I disputed it, because the account was never closed. They said they showed it closed because of the bankruptcy. They corrected that and now it shows the account opened, but they still refuse to show payment history prior to discharge. They made sure to put the past due payments on there prior to filing bankruptcy. This is still effecting our credit negatively on top of the bankruptcy itself. We are trying to move forward and have worked hard to repair our credit these past 5 years, establishing an impeccable payment history, but they are continuing to punish us, by not acknowledging it on our credit reports. Please HELP!
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (MD)

I discovered XX/XX/XXXX that all of XXXX there were {$3900.00} of unauthorized purchases. I called and disputed. I stopped using the card. They then stated after 60 days they would not reverse the charges and that I made the purchases so I called the vendor, XXXX. XXXX discovered it was my XXXX child who had clicked ( multiple times a day ) in app purchases. This cell phone is flagged as a child under XXXX. I had everything blocked on that phone including the XXXX XXXX app was not even on the phone! I didnt authorize these charges my son is a minor and can not communicate. XXXX agreed I didnt owe them and opened a case file to give to my credit card company. I called PayPal Syncrony back and filed another dispute and provided the case ID number. Collectively I spent 10 hour on the phone dealing with this. As this is an online account and by bills have been frozen since XX/XX/XXXX I cant even view statements to see what was going on. I also stopped using this card minus some autopay items. Which I have since locked the card and stopped. Im at the mercy of them telling me whats accurate. When this all happened I had per my last statement before the fraud/ disputed amount {$5800.00}. To avoid standard deferred interest I have paid In XXXX {$1000.00} XXXX {$1500.00} XXXX {$900.00} XXXX {$1000.00} and this month for XXXX {$1000.00}. Which totals {$5400.00}. I did have some purchases in XXXX for the holidays and it appears I will finalize the payment of {$1900.00} in the next month or two. 
My account still shows the Fraud/disputed amount of {$3900.00}. They told me per a letter that the credited my account permanently for the amount but the amount is still showing and they wont tell me more then they have 60 days to figure it out. We are going into 5 mi the of this issue not being resolved. As somehow they added that amount onto my account a second time. I am extremely stressed out. I have XXXX XXXX over this, Ive spend well over 10 hour dealing with this. Now I am being told they have 60 more days to figure this out. I need help. I need someone to review this and see what is going on. I can not believe this has dragged out and gotten worse. Please help me. Im a single mom of XXXX kids and I work to support my kids and this is becoming too much.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bull City Financial Solutions, Inc (NY)

on XXXX XXXX i did a complaint and this is my third complaint that ive written and Bull city financial isn't following the law I informed them that they do not have no license to collect a debt in New York state and it doesn't matter that they got a license from a debt that they bought from the original creditor. they keep sending the same answers as such " Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file.

Our Help Desk is available to assist consumers and may be reached directly via telephone at XXXX. '' now i am informing the CFPB that this CREDITOR is not registered to collect a debt in my state and they are hurting my credit.