davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

To whom it may concern : I got an alert on my XXXX XXXX in where there was an application for credit for a XXXX XXXX. This application was submitted on XX/XX/2019. I did not submit or apply for a XXXX XXXX at that time. Once I realized this was a fraudulent use of my social security information I notified XXXX on XX/XX/2019. The customer service agent I spoke to stated he would notate it and that it was declined as the information from the application didnt match that what was on my credit report. I asked him to please remove the inquiry from my credit report when he stated I would have to write each credit bureau first so they could send an investigation request. I stated why couldnt he have it removed since the information was shown not to match what was on my file and that I called XXXX notifying that this inquiry was not authorized by me. I would like to have this inquiry removed immediately and each credit bureau notified this was a fraudulent application and unauthorized credit inquiry.
Consumer complaint received 2022-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC (GA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX ABLTY RECVRY 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 2019-08-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

i ended my duke energy account as of XX/XX/2019 due to moving out of my apartment. i had paperless billing with XXXX XXXX and my phone number was linked to my account. i called XX/XX/XXXX XXXX XXXX  to give my new address and to advise my service would end on XX/XX/XXXX. i had a deposit of {$200.00} on the account. after i moved out, i never received a bill, email nor phone call. i made the assumption that the deposit covered any remaining bill. i received a credit alert today from a collections account helvey associates stating i have a collections account from XXXX XXXX. i asked if this is paid will it be removed due to lack of due diligence, they said no. i am disputing the lack of due diligence. i am a veteran who is trying to get a house, been cleaning up my credit and finally in the position to do so until 20 pt drop in credit score due to this. again, i am asking that this be  removed because of due diligence violations. this is very detrimental to me.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (CA)

Chime.com. I received multiple emails from Chime yesterday indicating I had opened an account, set up direct deposit, and then had rejections on two charges of {$2500.00}. The address and phone number associated with the account were not mine. 

I called the number on the chime.com website to report the fraudulent activity. They asked for my name and either last 4 of SSN or DOB ). I gave my last 4. 

After putting me on hold for a minute, she said they found the " fraudulent account '' and closed it, but needed my email address to send me the confirmation. 

I told them they have my email address already, since they have sent me multiple emails. She said " all I can see is the information you gave me '' ( name and last 4 ). I asked for any other information at all so I could verify they actually have my account info, she said no. I asked if she has my DOB, she said no. I said, is there anyone in your organization who can see my account information beyond what I gave you? She said no, no one can see that. 

I told her that anyone I give my email to could send me an email, but a true confirmation email would come from someone who already has my account into and email address. 

I have no confidence whatsoever, that this is even a legitimate support center, that this account was actually opened, or whether it's closed. I found similar experiences posted in online forums.
Consumer complaint received 2022-09-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

I '' m writing to dispute the balance of {$1300.00}. The payment was made on XXXX XXXX through online payment option. The listed amount was ducted from my twice. i notified Synchrony PayPal about the matter. I couldn't get through the automated system for 50min. After getting help a Manger from Synchrony stated : " she would connect me with PayPal, Finial, we are connected and they locate the payment and said it would be resolved. I asked if the account was noted and if I could receive documentation from both parties. I have not received anything. On XX/XX/22 I received a notification of late payment. I spoke with the agent in regards to my account he also admits to seeing the returned and positive payment. This my second attempt sending the supporting information : XXXX XXXX XXXX, XXXX, FL XXXX Please help
Consumer complaint received 2023-06-10
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I have been a victim of identity theft with XXXX  XXXX. I went to go check my consumer report and saw there was a late payment with an account thats on my credit profile that doesn't belong to me. That account is with XXXX  XXXX as a credit card titled XXXX XXXX XXXX  FROM XXXX  XXXX with a balance of {$4800.00}. This card does not belong to me and is fraudulent. I submitted my FTC REPORT on XX/XX/2023 and sent out to XXXX, XXXX AND EXPERIAN ON THE SAME DAY, it is XX/XX/XXXX today and I have yet to hear back from XXXX, XXXX AND EXPERIAN. This fraudulent account is causing me financial injury as I try to keep up with my consumer report and I have been denied getting a home loan.
Consumer complaint received 2019-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Alliance Recovery Group (MT)

Was getting ready for work and got a call on my cell phone at XXXX XXXX I did not answer since I was busy. There was a voice mail left telling me about a complaint that has been filed against me and to call them back. It was the same call I got the day before just a different name of the person but it was the same voice on the phone. The previous call was was while I was working. Plus the caller id number was from a city I do not know anyone in on both calls I do not answer unknown numbers. The phone number is linked to Alliance Recovery Group.
Consumer complaint received 2024-03-16
Product: Credit reporting 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: Chime Financial Inc (TX)

I currently have my direct deposit sent to chrime bank out of California I get government benefits I have have a checking account and a credit builder account chrime advertising this credit builder they reported XXXX  months and stop they said it the credit bureaus not reporting my payment XXXX XXXX XXXX not reporting I don't understand whst is going on I talk to all these companies and they giving me the run around and I dealing with major health issues XXXX transplant and other major issues and. Me tying to fix my credit is stressful
Consumer complaint received 2022-10-10
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A. (TX)

I previously tried to close a savings and checking account, and withdrew the funds. A few months later I received a notice stating a savings account has been overdrawn despite no account activity ( did not even know that was possible to overdraw a savings account ), the account was closed, and threatening collections and negative credit reporting. I have tried to resolve with Citi directly, who indicated they could waive these charges, but then were unable to because the account was already in collections. Then, the collections team said they couldn't request to waive charges because that is handled by customer service. It appears Citi has designed in abusive process to deter customers from closing accounts under the guise of security ( social security and mailing address and last 4 of account apparently insufficient ) and other requirements, and most recently they were unable to even locate the account in their system. I should not have received these account charges in the first place, all I am seeking is to end my relationship with Citi without cost. Do they even track account activity and have a process to avoid service charges on dormant/closed accounts?
Consumer complaint received 2021-02-05
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In in XXXX of 2021 my car my wallet and basically everything XXXX own was stolen. My Bank of America prepaid card was charged several times that day for a number of different things depleting my current balance. I then proceeded to call Bank of America to have a claim filed. After receiving my new prepaid card, and successfully using it for two days it was abruptly closed. Bank of America representatives told me that EDD had frozen the new account while the investigation was underway, but upon speaking to EDD several days later as the call volume has been so high they surprisingly told me that they hadn't taken any actions against my account, and as far as they know nothing on their end was done. I desperately need access to these funds. Unemployment is my only source of real income at the moment, so this stoppage in my ability to use them has been crippling. Repeated articles have come out regarding the topic against Bank of America
Consumer complaint received 2021-02-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

After getting a copy of my Equifax credit report ( credit report number XXXX ) I called customer services Today, XX/XX/XXXX at XXXX XXXX Pacific time to initiate a dispute for hard credit inquiries that I did not recognize : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IXXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX -XXXX XXXX XXXX. 

I don't think it is unreasonable to ask for an investing since the companies have no record of the inquiries and none of these companies are listed with accounts on my credit report. It is also my responsibility to check my credit frequently for potential errors. 

I had a very confusing phone call with a super visor at Equifax that told me that it is Equifax policy not to investigate credit inquiries and that the inquiries are a fact of record. Well, what about all the credit information on my credit report? Does that mean none of the other information can't be disputed even if there is an error? I was under the impression that any information believed to be inaccurate can be disputed? I ask all this questions to the Equifax super visor and was only told that Equifax does not dispute credit inquiries. I was stunned to find out that the rules in the FCRA dont seem to apply to Equifax and that the company can set its own policies/rules for credit reporting. All this is very surprising to me coming from a company that had a data breach as recently as XXXX.
Consumer complaint received 2023-02-16
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. (FL)

I have a CLOSED visa credit account at XXXX XXXX XXXX which is disputed and affected by a natural or declared natural disaster. The FCRA and Metro 2 protocols require reporting my CLOSED account as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, Equifax and XXXX credit reports fail to accurately reflect that my account is disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete my XXXX XXXX XXXX XXXX account or include the statutory reference that my account is both disputed by consumer AND affected by a natural or declared disaster. I insist on 100 % compliance with the FCRA and all Metro 2 protocols including the reporting on paper credit reports of all data reported in the Metro 2 submissions. I also insist on 100 % compliance with necessary internal controls to prevent Facially False Data from appearing on my credit reports. My credit report has daily entries where the data entry for Closed account is removed then at some time later replaced with a dispute code then deleted again with a code for consumer affected by a natural disaster thereby affectively changing a closed account to an Open account. Since the entire Metro 2 system is incapable of complying with the FCRA to prevent Facially False Data from reappearing ( such as a dead person coming back to life ) ( or a closed account being later reported as open ) then my account must be permanently deleted to avoid further willful violations of the FCRA.
Consumer complaint received 2019-08-15
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-07-13
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.
Consumer complaint received 2021-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP (CO)

Key Bank has a promotion in which new Key Bank customers open a new checking account and direct deposit {$500.00} within the first 60 days receive a {$200.00} incentive payment. I have never been a Key Bank customer. On or about the end of XXXX of XX/XX/2021, I opened a Key Bank checking account online but was unable to fund the account due to technical difficulties with their website. I started the process over which opened a second Key Bank checking account. I was able to fund this account so I closed the original account. The two accounts were opened within a week of each other so it is clear that I was neither a longstanding client nor have I had a checking account with Key Bank previously. I direct deposited the {$500.00} on XX/XX/2021 as required. It is now XX/XX/XXXX and I have not received the {$200.00} incentive payment. When I called to resolve the issue, I spoke with multiple employees at an XXXX number and at the branch. They are claiming because I had a previous account, I am ineligible for the promotion. I could not fund the original account online and it is clearly a technicality. No one is willing to help me obtain the promised payment of {$200.00}. 

I would like the {$200.00} payment deposited into my account as soon as possible.
Consumer complaint received 2019-08-15
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (NY)

Ok I will make this simple as possible. I have a chapter XXXX discharged in XX/XX/2017 my Mortgage was included, since I am keeping the home my current payments are considered voluntary payments. In the bankruptcy law states the company can no longer report this account to any credit reporting agencies. However I have been battling with my Mortgage company Shellpoint Mortgage, XXXX, XXXX  to remove it from my file. However they will not, this violates the automatic stay. Either way I would not mind so much being on my report if it were reporting every month and correctly. I have been calling emailing every month for them to update it or it will not be updated by law these companies are supposed to keep accurate information and here I am doing their jobs for them. My balance is also incorrect hurting my score further. My current balance I will show proof, as I will show proof as what they are reporting and you can see all the gaps this is crazy I should be able to sue both parties for not keeping accurate information.
Consumer complaint received 2021-05-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (NY)

In XXXX, I fell behind on my payments due to a sick parent that I was taking care of. As I was getting back on my financial feet in XXXX, the global pandemic hit. In late XX/XX/XXXX, I received an envelope from Department Stores National Bank ( " DSNB '' ) which contained an IRS Tax Form 1099-C : Cancellation of Debt. The document was dated XX/XX/XXXX and the amount discharged was {$1900.00} ( document is attached ). I was surprised by this document so I contacted the company and I was informed that the debt was discharged but did I want to pay the debt off. I asked how does that work since now I am obligated to report the sum above to the IRS? Isn't it like I am being penalized twice? I was told that I could pay the debt and then make an amendment on a filed IRS XXXX. Recovering from the pandemic, that seemed a bit lengthy since I was also worried about how these matters would affect my credit score. So I declined to continue the conversation so I could study the financial consequences of the situation. I noticed on my XXXX  that XXXX states I owe " DSNB '' {$2100.00}, so I reached out to Transunion for a clarification. 

On XX/XX/XXXX, I received notice from XXXX that my credit score with XXXX  fell by XXXX points due to a report from Macy 's ( also attached to this email ). Today, XX/XX/XXXX, I received a notice from XXXX that my credit score with XXXX  has dropped XXXX points. At this rate, I am expecting the same outcome at XXXX. 

This seems like a highly punitive action in a time when most Americans are getting back on their feet. My understanding is that Macy 's currently has the benefit of written-off debt, I have to pay tax on the debt as income and my credit score still got penalized. I just want to understand the whole situation so I can best address it. Can I understand if this is standard financial services practice and how best I can resolve this matter since Macy 's already filed the 1099-C for XXXX? Thank you for any help and assistance. Greatly appreciated.
Consumer complaint received 2019-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Consumer complaint received 2019-08-09
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. (NJ)

XXXX XXXX XXXX XXXX account # XXXX amount due : {XXXX} provider of service : THE XXXX XXXX XXXX Under the FAIR DEBT COLLECTION PRACTICES ACT I am allowed to protect my privacy and medical records from third parties. I do not recall giving my permission to the XXXX XXXX XXXX to release my medical records to a third party. HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.