davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

This complaint is in regards to an unauthorized inquiry which was made using my personal information. The application KEY CODE associated with this action is : XXXX. The Company involved in this action is Lowes Synchrony. They also authorized charges on my personal bank account with few different transactions. I reached out to the company a couple of times and they stated the situation was being handled. I verified my information with the necessary requirements but they insisted on demanding more information from me. I first spoke with a representative who refused to give me their name but referred to as " K - XXXX. '' She stated that she would update the system by submitting a " Fraud File to Delete Inquiry ''. I asked for confirmation that this action took place and she insisted on demanding more personal information in order to receive confirmation. She began to become aggressive and overly demanding and as I requested to speak to a supervisor, she transferred me to another rep of the name XXXX. XXXX was even more unprofessional and refused to answer any questions and placed me on hold for 15 minutes. From that point a woman named " XXXX '' stated she was a Manager from the XXXX, Ohio branch location. She stated that the action of removing my information and inquiry from their system was set in motion ; however, there is no way of sending me confirmation. This is not the first time I heard of this company authorizing inquiries and credit cards with fraudulent activity. I have relatives and friends who dealt with the same problem from LOWES SYNCHRONY. I asked that this company immediately updates the Credit Bureaus that the Inquiry was fraudulent and unauthorized or I will file a legal suit. Once again I did not make the inquiry or authorize Lowes Synchrony to utilize my person information. After such action is taking place I also request that this company Cease & Desist and further contact to me.
Consumer complaint received 2021-05-26
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. (FL)

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (TX)

Recently I was alerted by XXXX  that NCB Management  Services is reporting a fraudulent account XXXX {$3000.00} on my credit file. This account isn't mine nor did I open said account. I have a police report in which I can furnish to XXXX  and NCB Management Services.
Consumer complaint received 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION (FL)

Lobel has been reporting inaccurate information to the credit bureaus and on multiple occasions they will fix it and then the next report they will revert back to the previous reporting. They have also had major gaps in reporting and then tack on added unspecified fees to the account. I have asked to verify these fees added to the Charge off and it has yet to be sent. They also are reporting inaccurate dates and amounts paid and owed. I request that this account be removed immediately because of the unethical reporting and failed communication from this company. I have not received one letter in regards to this charge off since the car was picked up in 2019 after 45 days! This is ridiculous and should be looked at the way this company conducts business. The amount of times i have had to dispute these false reportings ' has continually been a burden to my credit and affecting my credit history in a major way. This company should be shut down indefinitely.
Consumer complaint received 2021-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I went to one of US bank branch that is located at XXXX XXXX XXXX, XXXX, ca.XXXX. I met a branch manager here who is named XXXX XXXX. XXXX XXXX discriminated me and treated me badly because I was not XXXX! I was treated horrible! XXXX XXXX called the police on me when I refused to leave the bank! 
I have banked with US Bank for several years, I was happy with their service at first. Recently US bank have been absolutely terrible! 
I actually feel like they are crooks and have stolen money from me. They charged me {$110.00} for international transaction fee while the branch manager promised me that my checking account will be XXXX fee if I had the direct deposit! I contacted US bank customer service many times to ask for the refund and they advice me should talk to US bank branch manager to get the money back! 

XXXX XXXX is the worst branch manager who I ever met! He provided me the worst services ever and took no responsibility for the banks mistake on my account! I told mr. XXXX that US bank branch manager didnt disclose to me about 3 % international processing fee when I opened the checking account with US bank! Unfortunately mr. XXXX had no empathy for me instead Of rolling his eyes on me with an angry looked and asking me to leave the bank when I asked to waive for the international transaction fee! He even advices me to close the checking account with US bank and had nothing to do with me! It seemed like mr. XXXX was worrying about the US banks customers knew about how bad the US Bank .... he asked me to leave ... or he would call the police on me! 
I definitely do not trust US bank with my money but I need my money back before I close my account with them!
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (WI)

In accordance to the fair credit reporting act, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX  account XXXX, XXXX XXXX  account XXXX, XXXX XXXX XXXX account XXXX XXXX Has violated my rights. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2. It also states a consumer reporting agency Can not furnish an account without my written instructions.
Consumer complaint received 2021-07-17
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: AMERICAN EXPRESS COMPANY (OH)

AMEX made an unauthorized credit inquiry that was listed my XXXX  report on XX/XX/XXXX. I have written to Amex on XX/XX/XXXX requesting documentation proving this authorized inquiry ( sent via certified mail ). AMEX responded XXXX on XX/XX/XXXX ) to the first letter claiming to have had " permissible purpose '' while totally disregarding my request to be shown proof of my authorization. I have since sent another letter ( via certified mail XXXX on XX/XX/XXXX again requesting the verification method and evidence to my authorization and I've yet to receive either.
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (MI)

Companies like Fortiva shouldn't be in business. This company have absolutely nothing to offer customers but alot of Fees and not even during COVID-19 do they have anything to offer customers and this is the only so called credit card that have nothing to offer customers. They also report you to the Credit Bureaus the day after Lying that your payment is late which they've already caused my credit score to drop drastically. They have these XXXX phone agents who barely can speak any English and who don't Comprehend English either so they Lie and make things up as they go along. I also included a screenshot to prove this XXXX  company charged me the same day i made my payment the same day the bill was due. This is why i stopped even using there card and if it wasn't for COVID-19 i would've been paid this card off and stopped dealing with this XXXX  company. I'm being charged a {$40.00} Late Fee for paying my bill the day it's due. On XX/XX/2021 Fortiva charged me a Late Fee the same day the bill was due. On XX/XX/2021 when i called and requested the Late Fee be removed i got the run around. I spoke to a Supervisor name XXXX  who sat there and said she could have the {$40.00} Late Fee removed right then and there yet as of XXXX the Late Fee is still on there. 

Fortiva have a cut off time of XXXX XXXX and yes i made my payment after XXXX XXXX but it was paid the day that it was due yet they charged me a {$40.00} Late Fee the same darn day. I'm sick of so called credit card companies trying to give a cut off time then charging a Late Fee the same day. These people are XXXX and XXXX and they act like they don't Comprehend well. You have one XXXX name XXXX who tells me he don't have a clue what i'm talking about. It seem that none of these XXXX phone agents know anything and they're very XXXX and try to be very Sarcastic while being XXXX.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MO)

I have today sent a letter of dispute. I received a call from 1st Credit Services claiming that i owed XXXX XXXX XXXX {$30.00}. In fact, i have never been a member of XXXX XXXX XXXX nor have i ever attended XXXX XXXX XXXX. 

The agent explained that XXXX XXXX had acquired XXXX XXXX XXXX of which i was a member and that therefore XXXX XXXX had taken an assignment of all memberships. I was never notified of this, nor did i sign an authorization for XXXX XXXX to debit my bank or credit card account. It is a simple matter for XXXX XXXX to obtain updated information and authorization since they clearly had my phone number - they provided it to collections. Failing to get updated information and permission, they would have known to cancel the membership ... in which case there would be no debt. Instead they decided to bluff their way to collect money to which they are not owed. In short they conceived a " scam '' to squeeze a few more dollars out of former XXXX XXXX XXXX members by using an outside collection agency ... rather than calling themselves. They released my personal information and most likely have tried to damage me by reporting this debt to a credit bureau ( another form of intimidation ).
Consumer complaint received 2021-05-26
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: EQUIFAX, INC. (FL)

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the equifax breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report.
Consumer complaint received 2021-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I contacted XXXX, Equifax and XXXX  online and I also sent out my credit report along with my dispute and supporting documentation via Certified Mail. It is pass 30 days and I still haven't gotten a response. Section 609 of the FCRA states that you must investigate my dispute within 30 calendar days from my initial letter. As they have failed to do so. I sent my first dispute letters via mail XX/XX/XXXX and I sent my follow up letters XX/XX/XXXX via mail. Please help me correct this issue. Thanks
Consumer complaint received 2021-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (WA)

Our home mortgage was transferred to Specialized Loan Servicing on XX/XX/2021 from XXXX XXXX. I have been making the monthly payments. Last month, I got a notice in the mail that they had not received payment. Yet the online account shows up to date, as does the mailed mortgage statement. I was on hold for close to an hour to speak with a customer representative who stated that I was in fact up to date on the mortgage with a next due payment of XX/XX/2021. However today in the mail was again notice that Specialized loan servicing can not find my check ( it was an electronic from my bank to them and confirmed ). This is crazy making and scary as this is our mortgage. It is not okay.
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NM)

The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX JPMCB CARD {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} XXXX
Consumer complaint received 2020-10-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (FL)

I received an unsolicited prepaid debit VISA Reliacard in the mail XX/XX/XXXX from US Bank. I did NOT activate the card. I tried calling US Bank to cancel the card but havent been able to reach an agent. The card has my name ( without middle initial ) and was mailed to my current address. 
Searching online revealed that there is fraudulent activity going on with these Reliacards that are being used for unemployment payments in Colorado. I dont and never have lived in Colorado. The only time I was on unemployment was in XXXX. 
I received an early retirement package from a large company in XXXX and now I am a XXXX  XXXX  XXXX. I recently worked for the XXXX XXXX XXXX but no longer work there. 
There was fraud on two of my XXXX  account debit cards in the past year. Both cards were issued to my husband and were activated but never used. Both were cancelled after working with the bank ( not US Bank ) to clear the fraudulent charges.
Consumer complaint received 2020-07-17
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: EQUIFAX, INC. (MI)

I filled a dispute in regard to the negative items on my credit report it has been well over 30 days also I've disputed items I was a victim on identity theft also no action was taken to delete and remove account XXXX XXXX XXXX account # XXXX account opened on XXXX  XX/XX/XXXX or XXXX XXXX XX/XX/XXXX my credit reports both dates which all three bureaus do not have the same information that in its self are terms for removal and deletion. Date last active XXXX  reports XX/XX/XXXX Equifax reports XX/XX/XXXX XXXX XXXX reports XX/XX/XXXX I do have a police report and this is the number to the file : XXXX located XXXX XXXX Florida
Consumer complaint received 2020-10-29
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. (TX)

XXXX  XXXX XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Credit card Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX Potentially Negative Status Transferred, closed. 
Account Type Education Balance - Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX  XXXX Potentially Negative Status Open. 
Account Type FHA Mortgage Balance {$110000.00} Date Opened XX/XX/XXXX Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2019-08-20
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. (GA)

To whom it may concern,From XX/XX/XXXX toXX/XX/XXXX, the credit card company named XXXX XXXX/XXXX XXXX  reported to the credit bureaus that I was late on my payments for 30 to 150 days. This information is incorrect because I specifically asked a representative to set up automatic payments on my account to avoid any delinquencies or past due amounts.The representative failed to set up the automatic payments; however, I wasn’t aware that the payments were not automatically coming out of my bank account. In addition, the company never sent out my bills in the mail nor did they attempt to contact me about my account. Therefore, my account should have never been reported as late because the company failed to do their job and inform the customer about any issues.
Consumer complaint received 2021-07-17
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: EQUIFAX, INC. (NC)

I have tried unsuccessfully for Equifax to update my credit file. My information has been merged with someone else and it has been a nightmare trying to get this fixed. I have 2 bankruptcies, one is not mine. They have merged my birthday and social security number together. I have sent proof of my identity and they still reply that theyre information is correct although XXXX  and XXXX  reporting information correctly. Calling Equifax to speak with an American agent has not been helpful as well. They never sent my credit report or send it to the wrong person. Then they dispute information I have not authorized. Please help!
Consumer complaint received 2020-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NV)

When Covid hit my wife and I looked into mortgage payment deferral with Wells Fargo. She was temporary out of work. But we did not sign up for it! We continued making our payments and discovered we had Forbearance on our credit from Wells Fargo. We have since asked them to remove it and they have not stating they needed to do an investigation before they could remove it. This is unacceptable!!! We have never been late or missed a payment!
Consumer complaint received 2020-07-17
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi guys. I'm hoping you could help me with a little problem I'm having. I can't seem to get the credit bureaus to investigate an account I disputed through them. I sent them a letter over a month ago and I haven't seen any letters come back to me telling me if my account was deleted or verified. I've disputed things with them in the past about 4 to 5 years ago so I'm familiar with the process. None of my disputes in the past ever took this long so I'm really worried they are just ignoring me. 

The letters have the right address so I know it's not because I sent them to a wrong place. Can you make them investigate this for me please? This is the only collection account on my credit report and I don't owe it. Thank you for helping me with this.
Consumer complaint received 2020-07-17
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. (OH)

During the COVID -19 pandemic I had contacted XXXX cred card company to seek some financial relief on monthly payments. XXXX had worked a payment arrangement plan with me on two accounts ending in XXXX & XXXX. We made our scheduled monthly payments as required. However, the amount due for each payment that they gave us to pay did not meet their threshold of the total amount due and now has impacted my credit as they show consecutive late payments. 

I am trying to obtain a credit union loan and have been denied because of XXXX 's misinformation. They should make those late payments show as current. This is very misleading tactics. I have removed myself from these accounts and my wife will be closing them today.
Consumer complaint received 2020-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2020, I purchased a mattress online for {$430.00} and then cancelled the order. On the same day, Chase showed the charge as pending and left it pending for several weeks and then the charge dropped off but it withheld my money during the entire time. Then on XX/XX/XXXX the charge showed up again on my account. I called Chase and told them that I had purchased and cancelled the order over ~ a month ago. They filed a claim to put the {$430.00} back in my account. However, over the next few weeks the charge was added and removed over 5 times. My balance was high, low, high, low. I also have an account where debits are not supposed to be paid but they paid debits and on XX/XX/XXXX sent notice that my account is {$400.00} overdrawn. They deliberately hacked and overdrew my account by having by having my balance go high, low, high low with a bogus charge for an item that I never even purchased or ever received. This went on for for 2 months.