davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

I do not have access to my Experian Online Account as well as can't get my XXXX XXXX XXXX  I contacted Experian several times and sent all my identification documents to them on the XXXX XXXX XXXX by fax. 
Today, on XX/XX/scrub>XXXX  I contacted Experian and seeking help to get access to my account but all support team members after hearing my issue just hung up the phone. 

I am attaching all my identification documents to this complaint and asking Experian to open access to my Experian Account. 
See also attached the letter I sent to Experian on XXXX XXXX XXXX by fax.
Consumer complaint received 2021-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

We were trying to purchase a Westie pup and transferred {$700.00} through XXXX to the following account/transaction info : Contact Method : XXXX Processed : XX/XX/2021 Payment ID : XXXX This was transferred out of my Fifth Third Bank account. I figured out it was a scam when an email came from the shipper ( XXXX ) saying I needed {$1100.00} in pet insurance ( payable by XXXX of course ). This email was very fishy and the alarm bells started ringing ( I wish they had rung earlier ). 

After I figured out it was a scam I tried to get my money back and of course through the scammer email address and they disappeared with my money and there is no recourse through XXXX. The banks have really set up a pretty bad system with this platform. Scammers are having a field day on it. I should have know better but their social engineering skills were strong and my kids were jumping up and down in front of me wanting a puppy. Now we are both disappointed.
Consumer complaint received 2017-02-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (TN)

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.
Consumer complaint received 2021-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (MD)

Will I was hit with a 30 day late payment that was Inaccurate and false I was never aware or no phone call or Letter sent out to me about this 30 day late payment. I talk to some on XX/XX/2021 Name XXXX from Customer for help to get this removed from credit report she was no Help at all I let here know i was Effective bye COVID -19 And did No I had a 30 day pass do payment. This has put me in a hardship on my credit report this False and Miss Leading or Fraudulent Reporting on my credit Report. The amount that was past do was XXXX and its all paid up. Also there Payment policies miss leading and miss guiding.
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I sent documentation of the errors that was on my credit report. The main one was a property I had is indicated as being discharged through my XXXX XXXXXXXX bankruptcy of XX/XX/XXXX, when it was sold and the loan lender received payment in full in XX/XX/XXXX. When I sent this info over my credit score was XXXX XXXX XXXX XXXX and XXXX XXXX. Once I submitted my disbute after the time for review, I received info from them advising per the creditor it is reporting correctly ( even though I sent the bill of sale document for the property ) but then they also reduced my credit score even though there was no change to it. All 3 credit agencies reduced my score after advising NO CHANGE reporting as correct! If there is no change, my score should have NOT changed. I want my score put back to where it should be. Right now it is reflecting as XXXX XXXX, and XXXX XXXX, Equifax ( unsure ). I have reached out to the creditor who advised they will correct it, but I want my score back where it was before they correct it because it should go much higher than what it was.
Consumer complaint received 2021-04-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber (FL)

I have send several letter to Grant & Weber Inc to verify the debt they claim I owe. Also wanted to know original amount and date of the debt. Please see attached letter send to them with attached copy of return received. They never send me any information that proof I owe the debt. So the last time I send a letter I decided to send it certified. My letter was received on XXXX and sign by XXXX.
Consumer complaint received 2015-04-29
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX Bank of America Collections department seized ALL funds in our checking account in the amount of XXXX. We spent over 2 hours, XXXX people, and XXXX disconnections later to get an answer to what this seizure was in reference to. Bank of America stated that this was a seizure of funds for collection of a boat loan debt. The collection attempt is for a Bank of America Loan. There was no judgement, no lawsuit, no certified letter, no letter period that indicated that they would seize my funds. This account holds ALL of our funds. This account has a third party listed on the account and 100 % of wages of this third party. This has caused us to not be able to pay our bills including our rent which is due on XXXX XXXX. If our funds are not put back we will be facing eviction.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (IA)

Paypal pre paid credit card i lost it and had only my handwritten notes on card numbers and i homeless and i could not get them to send me a replacement card even if i paid them for it.i even purchased a another card from same store and same card as previously purchase and they refuse to transfer my life savings at the time was the {$670.00} they had and was all i had and i was sent to prison and that was 5 years ago and they won't even try to help me. Lots of people have story like me they pray on the very poor people and they don't have anyone who cares about hurting and sometimes inadvertently causing people to die in some cases I don't have the old card number anymore because of how long this has taken but I did get another card from them with same information to try and resolve this they take your social security number both times they can not tell me they can't find that they don't want to I gave you my new card number that's what I supplied you with please help me.
Consumer complaint received 2021-06-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/XXXX, I noticed the IRS deposited funds into my account that belonged to someone else. I alerted Synchrony bank and they put a restriction on my account. When I talked to my tax preparer about the issue, she realized that it was one of her clients ' tax refund. I don't know how this money got into my account It was a transaction for {$540.00} tax refund and {$2800.00} stimulus money. The lady, that the money belongs to, requested that I send the money to her instead of letting it go back to the IRS. When I requested the banker to send the money from my account, that is when he initiated a restriction because he thought that someone else had access to my account. We even went through verification including security questions and text verification. Now since Synchrony Bank restricted the account, the tax preparer wrote two checks to her client with the reimbursement of those amounts. I called the bank numerous times about this issue and they won't tell me nothing. They told me on XX/XX/XXXX, that it will take 30 to 60 days to investigate. I've been calling repeatedly over the last 3 months now. It's going on 90 days since this has happen. I've lost my apartment, my car, and behind on bills because this is my savings account that they restricted. I am on unemployment since last year because of the pandemic. My unemployment money and stimulus money is in that account. They sent back my tax refund to the IRS. I've lost everything due to this error and they are refusing to do their job. I told them plenty of times to just send the money back to the IRS. The supervisors that I've spoken with, never contacted me back about this issue after they stated that they will call back. I've sent them proof of the checks that the tax preparer wrote this client. I don't know who fault it is but all I know is that I have no access to my money in my account. I have many questions. 

Why did Synchrony bank accepted fund from the IRS that clearly didn't suppose to go into my account? I can see where every transaction comes from. That's how I knew that it wasn't mine. That's negligence on their behalf, not mine. 

Why haven't the money been sent back to the IRS? It's XX/XX/2021. I notified them on XX/XX/2021. This money is still sitting in my account. It doesn't take 90 days for them to investigate. They just don't know what to do about it and keeping my account on locked. 

How is it that they deposited someone else money into my account but my own money can't go into that account. This is my account. I am the only name listed on it so why did this happened? 

I'm annoyed and disappointed with Synchrony. I want this issue resolve immediately. I am tired of calling and chatting about the same issue. They had more than enough time.
Consumer complaint received 2024-02-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma (AZ)

I chatted online with the company to ask to close this account. They said they couldnt verify me and I would need to call. I called and suddenly they could verify me, but they said they would need to have someone get back with me through email or phone in order to close my account. That was a week ago. I havent heard from anyone through email or by phone about closing my account.
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (OH)

I am using USBank ReliaCard for unemployment insurance and have received a notification that I have funds available. However, I have been unable to withdraw or spend the money, and I have not been able to reach a representative from USBank to help me. When attempting to register the card on their website, I was locked out of my account despite providing the correct information. I have used this card in the past with no issues. 

Money was loaded on XXXX, I attempted to make transactions on XXXX, as well as contacting the company.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Securus J Holdings, LLC (PA)

I was incarcerated under a alias and upon my release I explained to the facility thats I needed to have the prepaid card put in my given name, the card was placed in the alias name! I made a purchase in my given/birth name and when I inquired about the purchase I was asked who is XXXX XXXX , I responded that it was me! The advisor said they had to lock the card because it was in the name of XXXX XXXX! Theyre the same people ( Me )! I contacted the card company ( jpay ) I was asked to send information and was treated badly! Im just trying to get my money off of the card and be done with them!
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I started a credit card dispute on my XXXX XXXX and it was for " balance paid in full '' about 25 days ago and on XX/XX/XXXX my XXXX XXXX credit card account was removed from my credit report and I called XXXX XXXX and explain that I never wanted my credit card and there was glitch on Experian report or XXXX XXXX made a mistake to have my account removed and I was told that I need to put it in writing which I refuse to do because I don't know what to put down ... not its not reporting on Experian and XXXX and XXXX XXXX is unable to honor my request ... I WANT THIS ACCOUNT ' REINSERTED BACK ON MY EXPERIAN AND XXXX CREDIT REPORT ... 

ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN OPEN SINCE XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CT)

I have placed a freeze on the Experian, XXXX  and XXXX and I am trying to remove them because I wish to apply for credit. 

It is ABSOLUTELY impossible to contact anyone by phone at Experian. I have tried for two days without success. I have gone through a myriad of choices on their automated phone center, without success.

If I could I would have nothing to do with Experian, however, since I don't have a choice than I feel that they should provide some way to contact them other than US Mail.

They offer no live chat, no email and no Live phone contact alternative. Every single option on their automated response fails to provide access to a LIVE representative and the options on their automated response fail to provide any effective relief.

Experian is the only one of the three bureau that refuses to provide the minimum of help in resolving any issues. I can not access my free profile to review my accounts, to place a freeze, to remove a freeze or to dispute an issue with a creditor. 

Their complete indifference to the public is tantamount to neglect and has or will have deleterious effects on my credit records and the credit records of the public at large. 

Despite the multiple phone number they provide, none of them will allow you to access a live representative in order to resolve issues that their automated service can not. 

This is a detriment to the public good and well being and Experian should be instructed to provide suitable live representative to address serious issues. 

You can't complain to Experian because they refuse to accept phone calls, emails, faxes or live chat. 

This is an impossible situation that I hope your organization will correct immediately
Consumer complaint received 2022-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello good day! 
The issue that has occurred is that I have several unauthorized inquires reported on to my Transunion credit report and was informed by them, to create a report to remove these unauthorized inquires. 
Both unauthorized inquires were reported on the year of 2021. 
One is titled as " XXXX XXXX  XXXX  '' and the other is titled as " XXXX XXXX ''. 
I've already contacted the banks that left a hard inquiry on my report which led me to contact Transunion where the inquires are shown. Then was instructed to make these actions in order to solve this issue.
Consumer complaint received 2021-06-14
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. (LA)

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 45 days, so they should be erased immediately.
Consumer complaint received 2022-02-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE (MD)

As a result of a divorce granted by the state of Maryland on XXXX XX/XX/XXXX, my ex-husband was to assume the mortgage and I was to be removed from the deed as per the divorce decree. I was removed from the deed on XXXX XX/XX/XXXX. The release of liability form from the ex-spouse was sent to XXXX, XXXX on XXXX XX/XX/XXXX, but I had not heard from them. The release of liability was sent again on XXXX XX/XX/XXXX as no contact had been made. It was not until I demanded contact from a XXXX employee in XXXX that I was made aware that the VA also has a procedure. I completed with the VA in XXXX. The ex-husband used his VA loan to apply for the house, and the VA released me from liability on XXXX XX/XX/XXXX. I forwarded this release paperwork to XXXX, XXXX on XXXX XX/XX/XXXX. I emailed one of the employees to request a status update on XXXX XX/XX/XXXX, and a request for an update from customer service was made. On XXXX XX/XX/XXXX, I followed up with the employee again, and I received a phone call. I was informed that they had not received the release of liability paperwork. This is inaccurate because it was sent in XXXX and again in XXXX. On XXXX XX/XX/XXXX, I was informed that other information was missing. I once again sent the dissolution of marriage agreement, the release from the VA, and the release of liability to XXXX on XXXX XX/XX/XXXX. The next correspondence was from an employee on XXXX XX/XX/XXXX that informed me my documents have been sent to the operation department, and I have heard nothing back since despite calling and emailing.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2022-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am requesting Capital one to remove this charged off account from my records due to identity theft. I have filed this complained and stated that account was opened due to identity theft. Capital one has advised me that they received payments from XXXXXXXX XXXX  account ending in XXXX which was opened fraudulently under my name as well as from XXXX XXXX. Both XXXXXXXX XXXX and XXXX XXXX  accounts were opened using my identity and fraudulently. Those are not my accounts and all payments that were made from mentioned accounts were fraud. I understand Capital one is matching my contact information, social security number date of birth however I was a victim of Identity theft and this account along with other accounts from XXXX XXXX and XXXX XXXX were opened due to the ID theft and fraudulently. I need Capital one to remove this account and update my records immediately. 

please note the accounts you are referring were opened fraudulently and those aren't mine as well. As previously stated i was a victim of identity theft and during that process there were multiple checking accounts opened with XXXXXXXX XXXX and XXXXXXXX XXXX as well as credit cards. Please remove this capital one account from my records and report accurate information once again those payments that were processed through XXXXXXXX XXXX  or XXXX XXXX  were fraudulent accounts and they are aware of it. Thank you
Consumer complaint received 2022-07-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PNC Bank N.A. (TX)

i received a late notice on XX/XX/2022 regarding an account with PNC bank that i do not have. They claim a total late amount due of {$130.00} for account number XXXX they have now created a negative impact on my credit and claim i am past due on an account i did not authorize or have anything to do with. need my credit fixed and all affiliation removed from pnc.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (NC)

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 XXXXXXXX *XXXX XXXX XXXX XXXX XXXX XXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATION/XXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX XXXXDEPT OF EDUCATIONXXXX XXXX UNAUTHORIZED INQUIRIES : 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.