davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (NC)

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

Acct # XXXX XXXX XXXX XXXX Acct # XXXX. XXXX XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (VT)

XXXX XXXX XXXX was sold to Marcus. I called, and paid the amount in full and instructed them to close the account. They did not close the account and charged a {$2.00} fee. On XX/XX/XXXX they charged another XXXX fee and reported me 60 days late impacting my credit. After a card has been closed, they have no right to arbitrarily keep the account open and keep charging fees for no purpose. XXXX XXXX XXXX, Marcus by Goldman Sachs is scamming card holders.
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (NM)

company claims to represent a credit account that doesn't belong to me. The account is a result of identity theft. They are harming my credit report by saying I have an account in collections. They didn't even know my address or send me anything in the mail until after I disputed the transaction with a credit report company. I've disputed the account on my credit report but they are trying to scam me to get it removed from my credit report.
Consumer complaint received 2019-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

synchrony bank issued a pep boys account # ( XXXX ) AND XXXX, XXXX, AND XXXX ACCOUNT # XXXX, THESE 3 ACCOUNT HAVE THE SAME ACCOUNT NUMBER, PEP BOYS HAS A SINGLE ACCOUNT AS STATED ABOVE OPENED over a year ago, i never used the account. 
in XX/XX/2019 this year they closed my account due to non activity. they never sent a letter or message that unless i use the card they would close it. this i have never experienced with any creditor. i need my account reopened because i now need to purchase at pep boys 4 tires. the closure of this account has caused my credit score to drop 40 points causing damage to my credit file, they have done deceptive business practices by making me use the card and getting into debt, when im not needing to use the credit card. 

if they wouldve sent me a warning letter to close the account for none activity, i wouldve used it to avoid a closure of the account
Consumer complaint received 2019-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C. (CA)

In XX/XX/2018 Judge XXXX XXXX from Superior Court of CA granted in full the claim of exemption for wage garnishes. Judgement Creditor XXXX XXXX was directed to release monies held to me the judgment debtor. In XX/XX/XXXX this year I received a letter from Gurstel Law Firm stating they will renew the judgment for another 10 years!! I wrote a letter to them stating that I do not owe this debt. I dont know who XXXX XXXX XXXX are but they keep harassing me for this debt. They have not sent me any verification to validate debt to be collectible. 
Please help me!
Consumer complaint received 2019-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BWW Law Group, LLC (DC)

on XX/XX/XXXX I obtained line of credit from XXXX XXXX XXXX , XXXX, with amount of {$250000.00} with account number # XXXX. on XX/XX/XXXX XXXX XXXX XXXX breach its contract and at that time that I need it most caused me forclosure of my 3 properties in Virginia . 
on XX/XX/XXXX I filed chapter XXXX bankruptcy, and case converted to chapter XXXX unlawfully, and since trustee transfer all of my money from DIP account ( {$91000.00} ) to his account I was not able to pay XXXX XXXX XXXX LINE OF CREDIT since XX/XX/XXXX. 
and XXXX XXXX XXXX, XXXX close that account on XX/XX/XXXX. first third party debt collector BWW LAW GROUP LLC tried to collect # XXXX when they could not and find it was forclosure, then third party debt collector BWW LAW GROUP LLC try to collect same line of credit with different account number # XXXX ( amount of {$160000.00} XXXX XXXX XXXX, XXXX closed it on XX/XX/XXXX ) and under name of XXXX XXXX XXXX XXXX for amount of {$250000.00}. 
and after forclosure XXXX XXXX XXXX XXXX transfer account # XXXX to XXXX  XXXX XXXX, XXXX since both account is under one line of credit agreement and both closed and breached and passed statue of limitation. by forclosure and transferring it to debt collector XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX caused a lot of harm and damaged financially and mentally to I, and my family, I disputed BWW LAW GROUP LLC ( XXXX  XXXX, and XXXX XXXX ) complaint several time at least 11 times and they ignored me. third party debt collectors finally without any court hearing all hearsay and with different case laws that are not related to the case without any facts or evidence with deceptive action, got judgment against I, and my husband ( he is not party in alleged debt ), to foreclose my home stead property with a line of credit that was breached and passed statue of limitation. alleged case : XXXX at SUPERIOR COURT OF THE DISTRICT OF COLUMBIA, XXXX XXXX XXXX, XXXX XXXX XXXX esq XXXX XXXX esq BWW LAW GROUP , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX V XXXX XXXX XXXX, XXXX PLAINTIFF ( S )
Consumer complaint received 2022-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : 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 identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the XXXXederal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-07-07
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. (GA)

XXXX and TransUnion, have both failed to accurately update my XXXX XXXX, credit card and I know it was reported to them on time as required by law because my XXXX credit report reflects the correct balance! This negligence on the part of XXXX and TransUnion, is adversely impacting my credit score and is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-02-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I would like to file a formal complaint that XXXX XXXX a collection agency is violating my rights by using false, misleading, misrepresentation and deceptive means by placing a collection on my consumer credit report. I am dispute that this collection agency did not provide validation information under 12 CFR 1006.3 4B5 but yet placed the collection on my consumer report, also they have not given me a chance to dispute this account according to 12 CFR one 006.3 4C4I this collection agency has no authority to furnish any account to my consumer report without providing any and all disclosures required by law and they are in clear violation of 12 CFR 100634D and 15 US C 1681S278. I disputing only any and all debts to them. Also, I am revoking my rights of them communicating with me through email text and calls. Also, I am requesting debt validation as well as the purchase agreement between them in the original creditor. Also, I am requesting that they furnish proof that they are licensed and bonded, I am requesting that they please remove this account off my consumer credit report
Consumer complaint received 2023-06-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (FL)

I have two accounts that were originally opened with BB & T. On both the phone app and online both accounts are labeled as checking in addition, prior to XX/XX/XXXX, no excessive withdrawal fees were ever charged on either account. It appears that since the merger of BB & T with Suntrust, the new bank Truist is now charging {$15.00} per transactions over 6 in one of the accounts that they are saying is a savings account even though it is labeled as checking. When I confronted them about this on XX/XX/XXXX they tried to say that they were required by Reg D to make these charges. This is deceptive since the restrictions on savings account withdrawals was lifted in XXXX XXXX and has never been reinstated. It wasn't until I informed them that I am recently retired from another bank that they scrambled to find another reason. They then dug out a sheet from their description of the account stating showing this {$15.00} excessive withdrawal fee on it. I advised them that there was no warning on the app, they did not refuse the withdrawals, and they did not change the account from " savings '' to checking after 3 violations. In XX/XX/XXXX there are {$75.00} in fees, XX/XX/XXXX - {$90.00}, XX/XX/XXXX {$90.00}, XX/XX/XXXX - {$45.00}. I feel that Truist is in violation of XXXX because # XXXX labeling the savings account as checking is both deceptive and abusive misleading people into using the savings as a demand deposit account. That by falsely claiming that these fees are required by Regulation D, they are again being deceptive and unfair since they are relying on the general public being unaware of current regulatory requirements and are using that to discourage further complaints from their customers and avoid culpability in their actions. In addition, even though the terms and agreements is available online, since the savings account is mislabeled as a checking account, it would make it nearly impossible for consumers to determine that the fees related to any withdrawal limits the bank is imposing would apply to their account since it is clearly labeled as a checking account. I have put in a complaint with Truist requesting a return of all fees charged for excessive withdrawals and was told someone would be back with me the same day. Nobody has attempted to contact me from Truist so I am filing a formal complaint.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Checkr, Inc (CA)

Hello my name is XXXX XXXX and I received your email and I went into the website of checker to check my background. Hi I'm going to inform you that what's in my background ( I copied and pasted it below ) this is what is keeping me from being able to work with your company is incorrect. 
FAIL TO POST SECURITY FOR AN ACCIDENT-OW This comes out in my background but this is because my wife was driving our car which was in my name, and she is the one who got into a car accident. I showed up after the accident happened to pick her up. I later on found out that this was on my driving record and I contacted the department of motor vehicles from Iowa since it was an accident, there was a police report and details of everything was given to explain it was not me but my wife who has been the one in the accident not myself. 
After explaining this matter, and being that I'm sure you can access a much more detailed report where you can see more details of this report and how I am not the responsible party for this matter. 
I would like to know if there is any possibilities or anything that you could please advise me on, or let me know if there's any chance of me still being able to work with your company, or is there anything else I should or could do, prove, or explain etc to this company or advice me on to whom I need to. 
Please feel free to reach out to me at your earliest convenience you can reach me via email here at XXXX or by my cell phone number at XXXX thank you very much for your time. 

Thank you, XXXX XXXX
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

Chase bank has been reporting incorrectly to the credit bureaus. I opened my Chase Card on XX/XX/XXXX, received my card on XX/XX/XXXX. On XX/XX/XXXX I pre-emtively notified a chase representative regarding a large purchase I planned on making that after noon. My account was notated, and the representative cleared my account to make the purchase. 
While attempting the make the purchase my card was declined. Highly embarrassed and frustrated considering the fact, I was assured my account was cleared for large purchase, and secondly this happens while with a business partner. - I cancel my credit card. 

I call chase to file a complaint, I was reassured I would no longer experience such problems. I decided to reopen my chase card. I make the purchase aforementioned. *This is where my problems start* The end of XX/XX/XXXX Im notified that Chase reports a high utilization to credit bureaus- subsequently dropping my credit score 60 points. I call chase again for further clarification, was told my statement date ended on XX/XX/XXXX. Which leaves me even more confused. ( How can a statement account close, in less than 30 days of it opening? ) Nor was I ever informed statement close date -until it was reported to credit bureaus. 

*My wife and brother-in-law both have chase cards 9 total and both having closing date at least 30 days of the original opening date furthermore my brother-in-law opened the same type of card the same day as me but his closing date was 30 day while mine was 2 weeks from opening. 

The representative stated my closing date going forward is the XXXX of every month. 
Second Issue : My account closes with a negative balance of ( {$0.00} ) on XX/XX/XXXX. I receive an alert from the credit reporting agency, On XX/XX/XXXX chase reports another High utilization balance of {$2900.00} resulting in yet another 36 point drop in my credit score. ( See attached ). 

I take great pride in my credit & my finances, I use spreadsheets in order to keep me organized. Sadly, I have no issues with any other credit card company except Chase.
Consumer complaint received 2019-11-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Porfolio Servicing, Inc. currently services the mortgage loan on my residence referenced above. My Select Porfolio Servicing loan number is # XXXX. My original deed of trust was through XXXX XXXX XXXX XXXX for {$100000.00} and was settled on XX/XX/XXXX ( # XXXX ) ( see attached loan document copies ). Since my original loan, two fraudulent second deeds of trust have been made against my property that I neither agreed to nor signed for nor received any money from. The purpose of this letter is to demand proof from your company that I owe money for both second deeds of trust described in this letter. 

On XX/XX/XXXX an Open End Deed of Trust was recorded in XXXX County for loan ( # XXXX ) on the above-referenced property ( see attached loan document copies ). The loan, which was made by XXXX XXXX of XXXX XXXX California, I neither agreed to nor signed for nor received any money from. The attached document contains multiple forged signatures of my name. Also included is a fraudulent signed Notary Public document signed by XXXX XXXX XXXX ( # XXXX ). I have never received any of the {$55000.00} loan amount. 

On XX/XX/XXXX an Open End Deed of Trust was recorded in XXXX County for loan ( # XXXX ) on the above-referenced property ( see attached loan document copies ). The loan, which was also made by XXXX XXXX of XXXX XXXX California, I neither agreed to nor signed for nor received any money from. The attached document contains multiple forged signatures of my name. Also included is a fraudulent signed Notary Public document signed by XXXX XXXX ( # XXXX ). I have never received any of the {$130000.00} loan amount. 

I have also filed a police report with the XXXX XXXX Police on XX/XX/XXXX ( Incident # XXXX ) ( see attached police report document copies ). 
Unless you can prove that I received these second deeds of trust loan amounts,
Consumer complaint received 2019-11-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (OH)

Debt from XXXX XXXX was added to my credit report as a collection account. The account is showing that I owe a balance of {$1000.00} from Sequium asset solutions llc. I have not had or have any affiliation with this collection company and this balance is incorrect. I dont owe {$1000.00} to either part and all equipment has been returned to XXXX XXXX. The equipment was returned at XXXX store # XXXX XXXX oh XXXX on XX/XX/2019 return reference # XXXX. The serial numbers of the equipment returned is XXXX and XXXX.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (AR)

This is regarding my Chase business banking and total checking account. I registered for a new account bonus for these accounts and I tried opening the account online but I was told that due to identity verification I will have to visit the branch for opening the account. The nearest branch is XXXX miles from my house and we finally drove to the XXXX branch on XX/XX/2022 and successfully opened both the accounts. The new account bonus coupons were applied successfully and I was able to fund XXXX of the account with {$1500.00} the next day. However, to my surprise, my business account was suspended on the third day without any reason. Upon calling the bank they said that they do not know any reason but do not want to do business with me. This appears to be some kind of racism that I can feel here. Also, we lost close to {$1200.00} in the account bonus and travel cost as the bank disagree to honor the bonus and locked my both the accounts. The {$1500.00} that I deposited will be returned to be by check in a months time. I feel cheated by such reputable bank. They should not try to fraud people by running false promotions. They have been sending me the debit cards and letters after closing my accounts as if the accounts are still vaild which is a harassment to me.
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. (IN)

on XX/XX/2020 I mailed in dispute letters to XXXX, Transunion and XXXX. Regarding inaccurate information and clear violations of the FCRA 1681 AND 1681b I never gave any of the companies listed above WRITTEN CONSENT to furnish any of the accounts or information I'm disputing. I am also a victim of the XXXX  data breach.
Consumer complaint received 2019-10-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).
Consumer complaint received 2022-09-26
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. (MS)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2021-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (FL)

All personal items such as social security, passport, W-2 and paystubs were stolen. 

Police Report was filed with the XXXX Sheriff 's Office. 

on XX/XX/2021 an attempt to link an account from PayPal to my checking was conducted. I cancelled the account and had PayPal remove my account. PayPal would not release the email of the person attempting to gain access.