davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-29
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: AMERICAN HONDA FINANCE CORP (NY)

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I have filed a report with the FTC in regards to this negative misleading fraudulent information that needs to be removed immediately off my credit report. 
I am not responsible for any charges made to this account. 
I would like to request copies of any documentation, such as application and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX/XXXX  XXXX Balance : {$3300.00} ; XXXX  XXXX XXXX Balance : {$1200.00}.
Consumer complaint received 2022-08-13
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: EQUIFAX, INC. (WI)

Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 

The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2021-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I am in a process of buying a house in XXXX XXXX, NY. I suppose to close next month and my balance is {$52000.00} plus closing fees. I was contacted via email by a paralegal XXXX XXXX XXXX and as per her email I was asked to put money into an escrow account. I went to Chase branch on XXXX and completed a wire transfer with an assistance from a banker. When I got home I emailed XXXX and said that I just wired the money and please confirm once received. No answer and he next day I called her and she was surprised to hear about the wire. I immediately checked her email domain name and the fake one. Her email signature was real-everything looks the same, except that I noticed that there was double " i '' in the attorney 's last name. Also when I saw the confirmation of a wire transfer I got very suspicious when I saw " XXXX XXXX XXXX XXXX XXXX Tx ''. I report it ASAP to Chase on XXXX.I first called a banker who assisted me on XXXX, XXXX XXXX XXXX but she said that I need to call a customer service and gave me a number. I called and Chase started an investigation. 
Then I called DA office, my local police precinct and went to the precinct to complete a report and provide emails and copies of bank records. I also informed my loan originator, seller 's real-estate agent about this and told them not to send any emails to my old email address since I believe it was compromised. On XXXX I spoke to a Detective from XXXX XXXX in XXXX and sent documents to him. 
I hope that you can also assist me in this case. 

Thank you, XXXX
Consumer complaint received 2018-01-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (UT)

I had XXXX XXXX, and terminated the service. I returned their equipment, and then got a statement from their company regarding the final bill. After the last was paid on XX/XX/XXXX in the amount of {$210.00} for the upcoming month I quickly cancelled and paid the last bill, I got a bill from XXXX in late XXXX that indicated I had a credit balance of {$180.00}. This was the last statement I had received. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX ( Phone Number ( XXXX ) XXXX that my XXXX account # I had been sent to collections in the amount of {$29.00}. Never was I informed by XXXX that there was an amount due. The last notice I had indicated I had a credit balance of {$180.00}. I was told by XXXX XXXX XXXX that they were a debt collection agency. In protection of my credit, I formally asked them to provide me copies of my credit report, and also told them I feel they are in violation of the Fair Credit Reporting Act. To protect my credit, I reluctantly paid them the {$29.00}, even though after I contacted XXXX, and they admitted I shouldn't have owed anything! This is a XXXX scam, and they are collecting debts without justification
Consumer complaint received 2019-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

A representative came into my place of business in washington state. The representative first name was XXXX. She was a supervisor, as an incentive to get us to open an accout with Wells Fargo Bank she offered a {$300.00} that would be deposited after u kept at least {$1.00} in the account for 90 days. I called my back mid XXXX, first they said they didnt see the incentive and i was escalated to another department that handles the incentives and i was advised that it would be 45 days after the 45th day expired. I confirmed the accout was open on XX/XX/XXXX which meant my 90 day mark was XXXX XXXX XXXX. Now i confirmed with the representative on XX/XX/XXXX and she confirmed i met the terms. Now when i call they say they can't see the incentive. So im reaching out for assistance.
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to address the late payments that are currently listed on my credit report. After reviewing my credit history, I have noticed that there are several instances of late payments reported for the following accounts XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-26
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: Experian Information Solutions Inc. (MD)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX Balance : {$35000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$35000.00} XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

On XX/XX/XXXX, I traded in my previous lease in which was a XXXX XXXX XXXX, with the dealership, and got a new lease ( XXXX XXXX XXXX XXXX ). The account for the XXXX XXXX XXXX was then closed. I did not have any payments left on that car because I traded it in with the dealership for a new lease. I made the first payment for the new lease in XXXX with the dealership. And of course all of the subsequent months until present. In the month of XX/XX/XXXX, I paid my bill on the XXXX, ( for the XXXX XXXX XXXX ) the payment was applied ( not by choice ) towards the XXXX XXXX account that was closed in XXXX. I do not know if it could have been an error caused by the dealership or the bank. But as stated above, the account for the previous car was closed in XXXX when I traded it in. After many phone calls, and fights over the phone, I spoke with someone that was able to reallocate my payment from the account that was closed and applied towards the correct account, the XXXX XXXX XXXX XXXX. I have all proof needed to show payment was made on time and in the right month. But the Bank did not want to transfer it back to the correct account. This was then reallocated on XX/XX/XXXX ( 2 months later ). I paid every single car payment on time. The bank were the ones who reallocated only on a later date. There is no reason for the bank to report my account as " Delinquent ''. This has impacted my credit immensely. Making it very hard for me to do anything with poor credit, that was once very good. I would appreciate any kind of help to get that off of my credit report, since I have been paying every single on time.
Consumer complaint received 2021-07-08
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. (VA)

Please help me as I found some strange accounts in my credit report yesterday. I do not know them and they are not mine. Its identity theft and therefore I filed a report. I just ask you to start the investigation and figure out how that possible. And of course delete them from my profile. Thank you and take care
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (FL)

I want to request removal of this report on my credit : XX/XX/2022 I canceled the credit card with this company and they canceled the automatic debit that was enabled in my checking account, the payment did not occur due to this company error and I was harmed. I contacted the company, made the payment manually, opened a claim and they did not help me.
Consumer complaint received 2017-11-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Recovery Services, LLC (LA)

In the early Part of XXXX 2017 I attempted to contact receivable recovery to clear up my accounts with them 1 by 1 at which time I was told by the representative but I spoke to that I could not clear up one account that I would have to pay all accounts at 1 time before they would clear any account. If I 'm not mistaken by law I am able to say which account that I want my funds to be applied to. My call to the company was recorded and I do have the recording on my phone if needed at a later date to prove what I was told by the company representative. I feel that I was bullied by this Representative.
Consumer complaint received 2017-11-18
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

ON the XXXX of XXXX I got alert from XXXX that a collection was added to my credit, when I checked the information it came from this collection agency MIDWEST RECOVERY SYSTEM LLC XXXX XXXX XXXX XXXX, MO XXXX. 
XXXX Amount is {$610.00} I disputed the information on my XXXX report with a statement that the following never took place before the collection agency report the information on my credit A. I never receive any form of communication from the collection agency both mail and phone calls B. I was never given the XXXX grace to acknowledge or dispute the debt.
c. they did n't follow the protocol on debt collections D. I told them to remove it from my credit and go through normal process of collections, they tried to bully me by telling me when I pay they will remove it. which I refuse E. after my refusal, they decided to sent a notice through my email, immediately I dropped the call with them, dated XXXX XXXX specifying I have XXXX to dispute the debt. by sending the email today and dated XXXX XXXX I told them I have until XXXX of XXXX to respond after which if I fail to act they can then report it to credit bureau but they refused please kindly tell them to follow the due process and do the right thing, because they ca n't send me notice today the XXXX of XXXX when I challenged them, while they already report the information on my credit without the notification and XXXX response.
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

On XXXX XXXX, a {$9000.00} charge was made to my Barclays charge card. Barclays determined the charge was fraudulent and XXXX accepted Barclays ' charge back request on XX/XX/XXXX and returned the {$9000.00} to Barclays. Unfortunately, the charge remained as a debt on my Barclays credit card and I was forced to pay it off to avoid ruining my credit. After repeated attempts to resolve the dispute, I filed a XXXX complaint on XX/XX/XXXX. As a result of that complaint, it would appear that the problem is with an interface between Barclays ' fraud and debt/credit accounting sections. 

Over the last 18 months, I have spoken with hundreds of customer service representatives/supervisors and more than three upper-level managers at Barclays ; provided documentation of XXXXXXXX 's response ; and written numerous letters requesting resolution. Barclays has assured me since XX/XX/XXXX that payment would be made to XXXX and nothing has happened. These efforts have involved more than XXXX hours of my time. Resolution of the problem by Barclays has taken so long that the only option available now is for Barclays to refund the money that I have paid and I will take care of resolving the issue with XXXX. 

I am attaching the results of the XXXX complaint and documentation of some of my interactions with Barclays and XXXX employees. I have additional documentation, including copies of several, but not all, of the letters that I have sent Barclays regarding this matter. Please respond to my email with any additional information requests you may have
Consumer complaint received 2022-03-31
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)

keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (KS)

I have been attempting to talk to a real person at Experian in order to ask questions that I can not find the answer to online concerning my application for a security freeze through them, but there is no way to contact them. They have no phone number that allows for you to speak with a real person, best I can tell, as their main phone just directs to automated services and nothing else. They have other services with phone numbers, but those are specific services that I 'm not interested in using. They have no email or similar contact method. This is absolutely absurd for a company that I need to get in touch with about the security of my personal information.
Consumer complaint received 2017-11-18
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. (IL)

I decided to reach out to the XXXX in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from XXXX in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and XXXX took them over fall of XXXX therefore my late pays from XXXX of XX/XX/XXXXdo not fall under XXXX they fall under XXXX XXXX and should be removed. How can XXXX Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.
Consumer complaint received 2017-11-18
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: Experian Information Solutions Inc. (FL)

I have an unauthorized hard inquiry from XXXX XXXX on my Experian credit report datedXX/XX/XXXX that does not belong to me. I have attempted to resolve this matter with Experian diretly via phone and even via CFPB but am told continuously told to contact the creditor. This complaint is to make you aware that I have already attempted to resolve this matter with them, as per your instructions and have sent a CERTIFIED LETTER requesting to remove this erroneous record from my report. A return receipt is provided in this complaint which shows it was received by XXXX XXXX on XX/XX/XXXX. The creditor has not responded to my request despite waiting 60 days. Please have this record removed from my report immediately. Attached is proof of my attempt to resolve this matter and have now been left without resolution form both parties and yet I continue to have an adverse record on my report that does not belong.
Consumer complaint received 2021-10-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (FL)

I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

SOUTHWEST CREDIT SYSTEMS is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES. 

SOUTHWEST CREDIT SYSTEMS have used abusive, deceptive, and unfair debt collection practices. 

SOUTHWEST CREDIT SYSTEMS have violated my consumer right to privacy, I NEVER gave them any my information directly and SOUTHWEST CREDIT SYSTEMS has committed the crime of IDENTITY THEFT. 

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. 

I am holding the SOUTHWEST CREDIT SYSTEMS civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.
Consumer complaint received 2021-09-10
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: EQUIFAX, INC. (LA)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.
Consumer complaint received 2021-10-04
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)

Account Number XXXX XXXX XXXX XXXX still reports the account as unpaid and or late. The account was Refinanced by my Ex Wife. XXXX XXXX XXXX refuses to correct my Credit Report to show that the mortgage was PAID IN FULL
Consumer complaint received 2021-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

XX/XX/XXXX, I received a text from Huntington 's Fraud Alert that asked me if I authorized a transaction. I replied NO. I received another text stating they were putting a block on my card until a member contacted me. Shortly after a member contacted me and I was told he shut off my card. Numerous unauthorized transactions continued to clear the account ( XX/XX/2021 XXXX {$89.00}, XXXX {$64.00}, XXXX {$300.00} and XX/XX/2021 XXXX {$230.00} and XXXX XXXX {$200.00} ). I called the next week and was told my card was never turned off but they again would be shutting the card off. I followed all procedures to file numerous disputes with Huntington. The first time, I received a letter stating they determined I made the transactions. I filed another dispute and this time never received any documentation, but my account was still showing the transactions and all associated fees. In XXXX I went to the local branch and filed another dispute and asked for the documentation they used to support denying my dispute. This could not be provided, the banker was as confused as me as to why they could not provide us with documentation. She continues to file another dispute. I have never received any documentation regarding this dispute. XX/XX/2021, I filed a complaint with the XXXX, which they can not help me with, but Huntington contacted me on XX/XX/2021 and said they could look into it again. To date I have not received or heard anything from Huntington. My account continued to be overdrawn by over {$1000.00} until a tax refund went into this account in XXXX. I have been unable to resolve this issue.