davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ALLY FINANCIAL INC. (TN)

My name is XXXX XXXX XXXX. I previously provided legal documents to each of the three credit bureaus attesting and verifying this fact. XXXX XXXX XXXX. Again, I attach verifying documents as requested by XXXX XXXX XXXX, and XXXX. I do not believe the errors in my credit report by mistake. My last name is not, XXXX, but there it is listed in my personal information. I demand strict proof that my name was reported as such, contrary to the XXXX position. I have been told the credit bureaus can not honor my prior complaint/request or portion of it based on a limited amount of information. Yet these are the very same credit bureaus who have previously stated they conducted a thorough investigation of my complaints, so which is it? Each of the credit bureaus states their role in the dispute process is to review the accuracy and completeness of any disputed item to which I demand strict proof of their review, accuracy, and completeness. XXXX continues to falsely report past due payments on accounts that have been closed, written off, discharged and forgiven. I demand strict proof of their original investigation into the underlying fraud associated with the use of the XXXX cards. Ally Bank continues to report two late payments on my car payment to which I demand strict proof of these delays, lapses or delinquencies. XXXX claims they are unable to locate a credit file for one of the following reasons. If this is the case how is it that XXXX is reporting credit inquiries on my credit report, continues to fraudulently report the XXXX, Ally Bank fraudulent reporting and more. Further, why is XXXX  XXXX sending a response to my complaint when the XXXX office in XXXXXXXX Georgia has traditionally responded? XXXX XXXX continues to fraudulently report a chapter XXXX bankruptcy that was dismissed without discharge in violation of the law. How is it that CFPB can not get their enforcement act together and appropriately address these matters? I guess corruption pays the better.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am stressed and displeased that I see so many fraudulent accounts on damaging my credit worthiness. I am trying to buy a home for me and my tried several times to get these accounts removed. Let alone, my private and personal Information was involved in XXXX and experian data breach some months ago so I thought you all would protect my consumer report. information is being protected. This is a defamation to my character and this is a violation to federal law. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report Fairness and privacy has been violated. 
I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should not be furnishing peoples information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the police department and Federal Trade Commission. These companies can get sued for these damages. This is negatively effecting my livelihood and putting h me in a bad position. I feel your database is inaccurate and I am filing ligation against this company immediately.
Consumer complaint received 2019-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (GA)

I have contacted this company XXXX XXXX and three different collection companies regarding a debt bill for XXXX XXXX and although the debt was a result to identity theft when they first contacted me to pay it with XXXX and XXXX XXXX  ( I thought it was a law firm for a parking ticket and scamme me into paying it ) I did, then it was resold to XXXX XXXX and I explained to them that I paid it and then it was resold again to Penn Credit Corporate now reporting under XXXX XXXX for {$120.00}. I went back and contacted the collection company XXXX XXXX XXXX that I paid and they said that I no longer owed the debt and verified but they are not required to contact XXXX! This debt is continuesly being resold and is tarnishing my name! XXXX Manager stated to me that she can not do anything about it when I submitted proof and identiy afidavits as well as police reports. 
I do not owe this debt and it needs to be removed asap!
Consumer complaint received 2020-06-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (CA)

I received a Fraud Questionnaire i n the mail but I am having a hard time processing the claim because since my fraud claim I am having repeated trouble getting online to retrieve last transactions and getting into my account in order to obtain correct dates and info pertaining to the fraudulent use of my card. I've never had any issues like this before the fraudulent charges on XX/XX/XXXX {$340.00}, {$10.00}. And on the XX/XX/XXXX for {$.00}.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MN)

I was told my bankruptcy would be off my credit report in 7 years. I hope you can help me. I have tried with all 3 major reporting agencies, to no avail.
Consumer complaint received 2019-03-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (OH)

I have three cards open with XXXX XXXX and I've asked before to not be called Monday- Friday between XXXX since I am at work. They continue to call multiple times through out the months during these hours and when I keep asking for them to stop and respect the time frame I give them I'm told they will make a note of it. Today alone I have received five phone calls from them and have not answered any of them due to being at work. I've asked before for them to call me back after XXXX Eastern time zone and they still do not relay this information to other associates there and keep calling me! 

As well when I have had the chance to answer the phone on the off chance they call again when I am able to respond they do not tell me where they are calling from at first and say I need to pay. Its slightly difficult to know which card they are referring when they do not say who they are calling from. This has happened since XXXX of 2018 where they no longer tell me who they are when I ask who Is calling they ignore me asking and say will you be paying this today. Its very rude.
Consumer complaint received 2022-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MS)

I XXXX XXXX opened an chime account for myself, for work check deposits. I opened the account on XX/XX/2022 I have money still in my account after 3 hours of my account being activated I try to log into my account and it said " Your account may be locked or suspended '' but I haven't done anything but deposit money into my account. I have been waiting patiently but I'm getting to the point just calling for a lawsuit.
Consumer complaint received 2022-09-07
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. (MN)

In accordance with the Fair Credit Reporting Act - XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : 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 a account without my written Consent
Consumer complaint received 2022-03-01
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. (VA)

i recently got a copy of my credit report from Experian notice that they are reporting inaccurate personal information about me i sent a certified letter to update my personal information along with an FTC identity theft report and a copy of section 605 B of the fair credit reporting act and a copy of my credit report with all of the fraudrantly items cirlced because i also notice that they were reporting fraudulent accounts on my credit report and they did not update or delete any of my information i am a victim of identity theft and Experian need to update and delete the inaccurate information they are reporting about me my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (MD)

XXXX XXXX XXXX XXXX Collection Fraud/Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE (AR)

To Whom it may concern, I currently serve as an XXXX member in the XXXX. I am moving overseas to XXXX, and taken on debt, knowing Barclays contract of 0 % APR and no annual fees, to cover the costs associated with a move across the globe. I wanted to bring to your attention to a cancellation of Servicemembers Civil Relief Act ( SCRA ) benefits by Barclays Bank on their Mastercard Gold Card that will likely put many servicemembers, including myself, in a financial bind, and at the very least is an abuse of those servicemembers ' good faith and trust in Barclays as a financial institution and lender. In XX/XX/XXXX, I, along with many friends currently in my unit, opened a Barclays Gold Card with an agreement that the SCRA benefits afforded to me would include a 0 % interest rate on both old and new purchases, balance transfers and cash advances ; no fees of any kind, which included waiving the annual fee of {$990.00} each year and charge of {$290.00} for each authorized user ; and no collection efforts. After reading that the waiver of annual fees was withdrawn from the offered benefits on XX/XX/XXXX. Over the phone with Barclays, I was assured that I have these benefits until year XX/XX/XXXX. The customer service representative said " my entire lifetime, as long as I held the card. '' I would be happy to hold these benefits as long as I am XXXX. On XX/XX/XXXX, I received a memo stating the annual fee would now be assessed each year, and I will be charged {$990.00} dollars. I will be XXXX/moving out of the Country as an XXXX member, and have utilized my Barclays XXXX XXXX to cover costs associated with an overseas move. I am worried I can not afford to pay off my credit card before the annual fee is assessed, and therefore, putting me into an even deeper financial bind. Barclays should grandfather the annual fee waiver until my XXXX service is over, in order to give me time to pay off my {$15000.00} balance that I acquired to support my overseas move. I write because I know of countless servicemembers who were deceived by Barclays, offered extremely high credit lines, most in excess of {$25000.00}, with the promise of 0 % AP. I now face the decision to either pay the balance and close their credit card, possibly putting them in a position of financial hardship, or pay the exorbitant annual fee. I hope you can see why this is an abuse of both servicemembers ' trust and the spirit of the SCRA, which has long provided XXXX members and Veterans a piece of mind in making financial decisions.
Consumer complaint received 2021-05-21
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. (TX)

In XXXX of 2021 I filed a CFPB complaint against Equifax, XXXX, and XXXX regarding the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke with a representative from Equifax, XXXX, and XXXX  and they told me that the following accounts are " verified '' even though they did not hear from the creditors directly regarding their investigation. So basically, the account was just updated, but I still see the same errors. I have requested validation from these creditors directly ( which I have attached the certified mail receipts and included the certified mail tracking numbers ) and they never furnished any proof of debt such as a signed contract bearing my signature. From my understanding, a bill is not a validation so they have basically ignored my requests.
Consumer complaint received 2022-03-03
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: Experian Information Solutions Inc. (AR)

Pursuant to 15 USC 1681b ( a ) ( 2 ) Experian is in violation of furnishing my consumer report without my written consent. I the consumer XXXX XXXX never gave Experian any written consent to furnish anything on my consumer report. Without my consent Experian is committing identity theft. 
I have attach the response I sent to Experian below.
Consumer complaint received 2017-04-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (CO)

I get Robocalls from Comenity Bank at least XXXX times a day. They have called under the following numbers : XXXX and under Unknown. I made a payment of XXXX dollars last month in addition to another XXXX dollars. I only owe XXXX. I work for a federal government office and I am a fraud coordinator for our internet programs. They have threatened me with legal action, they call me outside of XXXX. I have kept all of the voicemails with the people 's extension ( my iphone stores the voicemails as text ). I informed them of the Telephone Consumer Protection act every time and that if I just made a payment of over XXXX dollars they need to stop with the phone calls until I am past the next payment due date if that is all necessary. This is excessive Robocalls. In addition to that they are using an outside company XXXX XXXX XXXX to make their calls. This is not a collections company. I thought that was illegal for them to do as well. They are sharing my information and debt information with outside companies.
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I opened a new account on XX/XX/2019, after paying off a previously owed balance. Suddenly around the beginning of XX/XX/XXXX I was told by customer service that my account was on hold and to contact my branch. I contacted them and they said my account was scheduled to be closed but they had no date. I have not received any correspondence regarding this. I currently have over XXXX on hold and they will not allow me to access my money and I keep getting the the runaround. The branch says its out of their hands but customer service keeps saying I need to contact the branch. No one has helped me and they claim that there is no way to contact the department that is supposed to be closing my account. They just say I just need to wait but I need my money. It has almost been over a month and I have not had any access to my own money.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : Account : XXXX XXXXXXXX Balance : {$1600.00} Inquiries : XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXXXXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2017-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IL)

Had a loan modification because of health problems that 's when everything changed.my loan was a 20 year fixed I have lived in the house 16 years. After the loan modification I pretty much ended up being in debt more than ever. I am just trying to figure out if I have been a victim of a predatory loan.
Consumer complaint received 2017-04-14
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (AR)

So right after I was approved for the XXXX I opened the box to see my new card. Six hours later all my chase cards in my XXXX were deactivated. I then called the number on the back of card to find that all my accounts were closed!!! So you approve me for a card and then you close it out after I activate the card?!?! I called and spoke with a represintive and she said that the accounts were closed because I 've opend to many accounts within the last 12 months but I would n't have applied unless I knew I could pay down the balacnce and would have never applied for the XXXX if it was going to result in a closure. Rep was n't having it, now that i look back she was kinda rude. Anyways was told that I can call back within 6 MONTHS to see if they would reinstate the accounts. So XXXX are out of commition untill further notice. WHat do I do to make sure that they are n't permantley closed. My scores are XXXX across the board and I am under 30 % utilization on all my cards. No other lender I use XXXX, XXXX or XXXX have done this they have actually increased my credit limits and lowered my interest rates with out me requesting. I 've heard some stores of customers going through similar situations and getting their accounts reopened so I still have the cards they close with little hope Chase will maybe reopen them while I continue to make payments to prevent a permanent closure and others are just telling me all the more reason to hate America 's biggest bank.
Consumer complaint received 2022-03-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As I reviewed my recent report, I have found a lot of erroneous information reporting on my TransUnion Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Ad Astra Recovery Services Inc (TX)

I recently, requested copies of my credit files. From all three credit bureaus, XXXX, XXXX XXXX, and XXXX. Once received I reviewed all three reports and there were accounts on my that I had no knowledge. And several that were from collections agencies. So i was advised to file disputes of the accounts in attempts to get the inaccurate, and darogatory information deleted. After, a couple of disputes I got information from the major three credit bureaus. Stating that the information reported was reported by the collections agencies. Was correct, in my dispute I detailed that I needed detailed information. Such as my signature on original contract, loan numbers, year account was opened etc. None, of this information was provided on the information that was placed on such as accounts, amount owed on the accounts, and re-aged dates on accounts. I am needing help in the process of getting the accurate information concerning these accounts. I have also ben advised by all three credit bureaus they would not re-investigate any of my disputes. Unless, I could provide further information on the accounts. I don't have any further information accounts, not aware of accounts. I have requested information by sending a letter of validation of debt, original account signature of credit, original date when account was opened.To all three credit bureaus, notating that a copy of the letters would be sent alone with a complaint filed to the Consumer Financial Protection Bureaus. It is my intention to get down to bottom of these daragotory accounts and get them removed from my account..
Consumer complaint received 2021-10-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Automated Accounts Management Services (IA)

On XX/XX/2021 I sent a letter to AAMS LLC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.