davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-25
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. (CA)

ATT OPENED AN ACCT IN  XXXX   XXXX . THIS ACCT WAS WAS OPENED FRAUDULENTLY WITHOUT PERMISSION OF MY INFORMATION. IT IS A CASE OF IDENTITY THEFT. THERE IS NOW A BALANCE SENT TO COLLECTION THAT IS HURTING MY CREDIT REPORT AND SCORE. I AM CURRENTLY TRYING TO FINALIZE A HOME LOAN AND AM UNABLE TO DO SO.     I CONTACTED  XXXX   XXXX / XXXX / XXXX  AND REVEALED THAT THIS ACCT IS NOT MINE. I WAS TOLD THAT THERE WAS AN INVESTIGATION ON IT DUE TO FRAUDULENT ACTIVITY. HOWEVER IT WAS CLOSED. I ASKED FOR IT TO BE REOPENED AND INVESTIGATED TO HAVE IT REMOVED FROM MY INFORMATION AND PULLED FROM COLLECTION. I WAS TOLD IT WOULD TA KE 5-10 BUSIN ESS DAYS TO BE RESOLVED.     I FOLLOWED-UP WITH A CALL TO   XXXX   ON  XXXX / XXXX / XXXX . THIS TIME I WAS TOLD THAT IT WOULD TAKE 21 DAYS TO BE RESOLVED. I TRIED EXPLAINING THAT I WAS TOLD DIFFERENTLY THAT IF THERE WAS ANYTHING TO BE DONE TO EXPEDITE IT SINCE IT WAS EFFECTING THE HOME LOAN PROCESS. " NO '' WAS THE ANSWER, UNWILLING TO EVEN BE FORTHCOMING IF ANYTHING COULD BE DONE.       Collection Agency   XXXX   XXXX   XXXX    O riginal Creditor   XXXX   XXXX     XXXX  Opened Date  XXXX   XXXX ,  XXXX  Balance {$3600.00}
Consumer complaint received 2021-11-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Back in XX/XX/XXXX I had a banking account with Bank of America. My purse was stolen off the bus, I contacted them and told them my purse was stolen. they then closed my account for suspected fraud alert for the amount of {$1.00}. I havent committed any fraud this is false information and it is stopping me from getting a bank account anywhere I cant open a XX/XX/XXXX account nor checking account. This is have been a big problem in my life it has caused XXXX. I have a XX/XX/XXXXand kids and i did not commit any fraud and I need this off my report Now. I will not be accused and penalized for something I didnt do
Consumer complaint received 2022-08-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (AZ)

The debt is incorrect and is over 10 years old it is over the statute of limitations. They are trying to sue me and garnish my wages. This debt was from Michigan over 10 years ago and the amount is over doubled the amount originally. And they have not provided proof of the original amount and date
Consumer complaint received 2017-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY (CA)

I did not live at the address or even the city of the house that they attempted to serve me at. In fact, there were squatters in the house. American Express sued me, and I did not know about it, and they got a judgment. However, I had filed bankruptcy in XXXX, XXXX in XXXX and American Express is listed. American Express put a lien on me/my property. 

There are two things seriously wrong with this. 
Above all, since this account was included in Chapter 7 Bankruptcy discharge, this is not legal. They have to remove the lien and wite it off. I am writing to you to enforce this. Thank you.
Consumer complaint received 2017-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Machol & Johannes, LLC (UT)

I have a Judgment against me XXXX XXXX XXXX XXXX, Civil Action No : XXXX, amount of Judgment {$850.00} plus interest. From XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX Attorneys at Law XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 
My girlfriend got a letter from XXXX XXXX dated XXXX/XXXX/XXXX, notifying her that a hold has been placed on her safety deposit box at XXXX XXXXk located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah XXXX. The reason for this was because my name is on her safety deposit box, which has her family property in it, nothing in there is mine. I called XXXX XXXX XXXX who is handling this for XXXX XXXX XXXX, the account in question has been closed for over a year, there is a liquid money debit card assigned to that account which has also been frozen, I explained to XXXX XXXX that all my money at that bank is Social Security monies, he told me that I had to send him the last 3 months checking account statements, that they would look at them and then decide if they would release the block. I myself have a safety deposit box there also which has been blocked from, they can have it as it only has 4 XXXX half dollars in it. I also explained that according to Section 207of the Social Security Act ( 42 U.S.C.407 ) states " The right of any person to any future payment under title shall not be transferable or assignable, at law or in equity, and none of the monies paid or payable or rights existing under this title shall be subject to execution, levy, attachment, garnishment, or orher legal process, or to the operation of any bankruptcy or insolvency law ''. Subsection XXXX or XXXX do not apply to this matter. 
He also refused to accept my award letter as proof from the Social Security Administration.
Consumer complaint received 2016-08-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (FL)

I applied and received an American Express XXXX XXXX XXXX credit card which promised XXXX bonus points if I spent {$3000.00} within three months. I qualified according to American Express on XXXX XXXX. As of XXXX XXXX I had not received my bonus points. When I inquired they now insisted it takes up to three months to get the bonus points. The exact language of the offer and terms was this : XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX account 6 - 8 weeks after the spend requirement has been reached. This appears to me to be false and misleading representation to entice me to get a credit card. I am also fearful I will never get the bonus points. I think American Express should be sanctioned. I appreciate any help you can give me.
Consumer complaint received 2020-07-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter on XX/XX/2020 but there was still no response.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (IN)

I was contacted today by XXXX claiming to be XXXX Fraud Dept. they stated someone was trying to charge my discover card and wanted to authorize I was doing this under the name XXXX XXXX. And that is not my name. They then proceeded to rattle of my address, my social security number and they provided me with not only the entire discover card number but also the visa XXXX XXXX credit card number. Now neither of these are my credit cards specifically I am just an authorized user on them. My social security number was never given to either of these credit card companies when making me an authorized user so I am not sure how they have my birthdate, social security number etc please note I did not deny nor confirm the data they stated.. but nonetheless it was correct.. They then proceeded to ask me for my FICO score which I wouldnt give them, they asked if I wanted 0 % interest rate on my other credit cards which I specifically told them NO, and I would not provide them with my other credit card numbers or who they were from. 

My big concern is that whomever these people are have my correct social security number birthday and address. Please help me. I dont know what to do
Consumer complaint received 2016-07-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (PA)

In reviewing my most recent XXXX credit report, I noted that on XXXX/XXXX/2016 TRANSWORLD SYSTEMS of XXXX XXXX XXXX, XXXX, Pa XXXX inquired into my credit file. I do NOT owe them nor anyone they claim to represent ANYTHING!
Consumer complaint received 2016-05-31
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX is reporting false and misrepresenting a loan they 're servicing that was transferred from Bank of America Home Loan servicing. 

On XXXX XXXX, XXXX, Bank of America responded to an XXXX reinvestigation and has indicated Loan number XXXX has XXXX balances, paid in full, no historical data past XXXX and closed on XXXX XXXX. 

XXXX Mortgage information should reflect the same data as Bank of America 's to start. 

There has been no activity on the account since the transfer to XXXX ( ie no payments, no agreements ).
Consumer complaint received 2022-01-06
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. (MT)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Monterey Financial Services LLC (AL)

Monterey Collection Services is reporting inaccurate information on my XXXX  credit report for a company called XXXX XXXX. The company is reporting one balance to the credit bureau, but sent documentation to me with a completely different balance. The balance being reported to XXXX  is higher than the true balance. This is a violation. I have disputed the information twice with XXXX. Monterey Collection Services verified the balance as accurate twice, which it is not. I have attached documents proving the difference, the violation.
Consumer complaint received 2021-02-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (FL)

Received notice of amount owed to XXXX credit card from 2015 that I did not have. I was given a reference number and the four last numbers of credit card and name of collection company and outstanding balance owed. I called the collection company and asked for more information, to which I have not received. The amount asked for is {$4700.00}. The credit card is XXXX, XXXX.
Consumer complaint received 2021-02-09
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (OH)

I have requested validation of debt from Nissan-Infiniti from XX/XX/XXXX-XX/XX/XXXX, which is reporting inaccurate and incomplete credit information in a file maintained under my social security number. I respectfully requested proof of this alleged item, specifically bearing the contract, note or other instrument bearing my signature. Under the fair debt collection practices ( FDCPA ), I have the right to request validation of debt. This is a clear violation of the fair credit reporting act, violation of the fair debt collection practices act and defamation of character. Nissan-Infiniti has failed to provide validation within 30 days and I demand that all references to this account are deleted and removed from my credit file. This issue has been going on for months and is causing undue stress. I look to have this matter resolved promptly.
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CA)

Comenity Bank ( Victoria 's Secret credit card ) sent me a refund check in XX/XX/2021 for {$93.00} which was made out to XXXX XXXX. I didnt notice that my maiden name was on the check, and I tried to deposit it on my mobile device ( mobile deposit ) into my XXXX XXXX account. The check was returned and couldnt be deposited because of the name, and I was charged a {$5.00} fee by my bank for the return of the check. 
After that happened, I contacted Comenity to change my name on my account to XXXX XXXX, my married name. Comenity issued me another check for {$93.00}, and I successfully deposited it. I then noticed that Comenity put that {$93.00} amount back on my account that I owed back to them, saying I deposited two checks. The only way I could correspond about the matter was to mail them documentation, which I did, twice, trying to explain to them that I only successfully deposited one check. They kept sending me back letters saying they needed more proof. One night I got my bank XXXX on the phone and called Comenity customer service to settle the issue. We got a manager from Comenity on the phone, and after over an hour we confirmed that I needed to send them proof that the first deposit didn't go through on XXXX letterhead of some sort. Comenity said I could send this information to them electronically on their messaging system online. I've tried twice to do this but it always fails and says the message can't be sent. So the only way to correspond was to send a letter to a po box they provided on the bottom of their letters which first stated XXXX XXXX XXXX XXXX, Ohio XXXX. The last two letters I've received from them have a different XXXX XXXX XXXX, now XXXX XXXX XXXX. The last letter they sent me says they never received my documentation! 
When I call customer service their hours are inconvenient for me as they're on Eastern time and I'm on Pacific, and by the time I get home from work at XXXX, they are closed. Each interaction with them over the phone takes an hour because they have issued me no case number, so every time I call about the issue I have to explain it to somebody new. It's beyond frustrating and I just want the {$93.00} back that they owe me, plus a late fee of {$29.00} that I was charged for not paying my bill in full when I was in the " investigation process '' ( which I was told I would not be charged by a customer service rep ), and also I was charged a transaction fee of {$3.00} because of that bill. 
All I want to do is get my money back and then close my account because issues like this shouldn't take 7 months to be handled. Thank you, XXXX XXXX XXXX : I had to remove my savings account information for confidentiality but I've forwarded them all these documents.
Consumer complaint received 2018-06-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (FL)

I sent {$100.00} to my husbands old number through Chase Quckpay by XXXX, as soon as the transaction was performed on XX/XX/XXXX i called Chase and advised them. They advised me to all the number and request the money back. Once i called the person acknowledged it was a mistake but did not return the money. I called chase XX/XX/XXXX to open a dispute to have my money returned. They allotted 3-5 business day to receiver the money but advised they left a voice message and the person did not call back. I called the receiver on a different device and advised them to send the money, they acknowledged through text that they were not supposed to receive the funds and would call the bank. On XX/XX/XXXX i proceeded to call chase and they advised there was nothing else they can do and would not be reaching out the the receiver anymore. Since Chase is offering this form of cash transfer there should be some liability, I find it hard to believe that i can lose my money over a simple mistake.
Consumer complaint received 2018-06-11
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)

My identity was used to open a credit card through XXXX XXXX XXXX XXXX in the amount of {$300.00} opened on XX/XX/2013 by some unknown individual. XXXX XXXX XXXX XXXX  I assume was unable to contact me because I wasn't the individual involved and as a result sold this account to XXXX XXXX XXXX XXXX XXXX a debt collection agency. Recently I had two collection accounts negatively affecting my credit report and FICO score. I contacted all agencies involved concerning my files and after further discussion XXXX XXXX XXXX was kind enough to have all credit reporting agencies delete my files. However when I contacted XXXX XXXX XXXX XXXX several weeks ago they did not provide me with via mail : How the account was applied for, what transactions if any were made on the account, what identification was used to open the account, and/or the address used in the process. Because they didn't provide this information I was unable to file a police report with the City Of XXXX for identity theft. As of today this account is still showing negative on XXXX and Equifax credit reporting agencies adverse affecting my score. 


I truly believe that the government should take action and not allow banks or any other companies continue to open accounts on-line because identity theft has become prevalent in our community. This crime wave has caused numerous of hardships in America and was only enacted because of greed. Now organizations are offering fraud protection programs which is completely unnecessary if we get back to the old way of conducting because which is face to face contact with required identification.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I want the debt reported by XXXX XXXX XXXX for {$3800.00} to be removed from my credit report as it violated my rights to accurate and fair reporting since the date of the initial debt is incorrect and this bureau ( CFPB ) can see within its records that it is inaccurate, as I made an attempt to dispute the fraud in XXXX. In accordance with the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. The account is listed as opened on XX/XX/XXXX, yet that is inaccurate and thus should be removed. Further, 15 U.S.C. 1681c ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. I committed no crime and in fact, a crime was committed against me when my identity was stolen, and this should not be adversely affecting me because the law protects me from such negative reporting, especially for which the company can not prove that I opened these lines.
Consumer complaint received 2021-11-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MS)

I have sent out numerous disputes trying to remove inaccurate names, addresses, and accounts from my credit profile. 
This request has been denied and I would like these inaccurate information to be REMOVED : DATE DISPUTED XXXX IN XXXX, EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECT IN XXXX AND XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN EQUIFAX XXXXXXXX XXXX XXXXXXXX Untitled { Collection/Chargeoff , Medical Subject has not satisfied debt. }
Consumer complaint received 2021-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau (IL)

The XXXX XXXX XXXX XXXX University asserts that I owe medical bills in connection to my daughter who resided with her mother XXXX XXXX XXXX last known to reside at XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) at the presumed period of time. 

They have since damaged my credit during this COVID-19 pandemic, hurting my ability to qualify for housing ( which requires a credit check ) or employment. 

Such actions during this national emergency are not generally allowed. However, at issue here is that the debt is not mine to begin with. 

The agency now adversely attacking me is : The Medical Business Bureau XXXX XXXX, IL XXXX ( XXXX ) XXXX I ask for an immediate reversal of adverse credit reporting directed against me and for a correction, as this is not my debt - and for such relief available to me under the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-09
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: Experian Information Solutions Inc. (VA)

I reported to Experian about the unauthorized inquires on my account. the credit company showed no remorse for my identity being stolen and continued to give me the runaround. please help. XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - nonspecific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2021