davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-30
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2021-05-29
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. (MA)

On XXXX2021 I spent over 50 minutes on the phone with XXXX XXXX at the Experian consumer affairs office, ( XXXX ) about disputing the XXXX XXXX hard inquiry done on XXXX-2021. XXXX XXXX DID NOT HAVE MY AUTHORIZATION DO PULL A HARD INQUIRY ON MY CREDIT. Mr. XXXX spent 50 plus minutes telling me that there was no way to dispute the inquiry, and that there was nothing that he or Experian could do, unless it was specifically identity theft related. As a result nothing was done. It was stated that a dispute could not be opened regarding this. I am requesting if the company needs any additional information, they should contact Mr. XXXX in their consumer affairs office at the phone number listed in the above paragraph. I spent almost an hour on the phone with him and he has any information that they could possibly need from me regarding this complaint. Further complaints to Experian only result in copy and paste responses that do not help whatsoever. This company has been veery rude, disrespectful and unprofessional with regard to my complaint and could care less.
Consumer complaint received 2021-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JP RECOVERY SERVICES, INC. (OH)

JP RECOVERY INC # XXXX This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide the Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant. 

Are you ( JP RECOVERY INC ) Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note I do not recall as ever having done any business with your company! Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 XXXX, to protect my privacy and medical records from third parties. This is a violation of my pricacy
Consumer complaint received 2024-02-25
Product: Credit reporting 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. (CA)

Someone who has my personal information applied to get credit card which caused inquiry on my TransUnion credit report as XXXX XXXX XXXX on XX/XX/2023.
Consumer complaint received 2021-02-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

The company Portfolio Recovery rep name XXXX XXXX, calling from XXXX, continues to call my place of employment despite being told numerous times to not call my place of employment as I am not taking personal calls at my work.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (NV)

I found out that in 2018 a eviction record was placed on my name. 
While i never even lived at the addres XXXX XXXX XXXX. 
I called the property and they directed me to a different agency. 
Where i was told, that someone used my name to sign it. 
And used my personal information. Back then i was going through a divorce. 
so only one who ever had access to my personal information was my ex husband. 


Also now the problem is, for an address i never lived at. it causes now issues for me to get a new home. For something i not do, and was not aware off. 

The company in question is not very helpful. they say be more careful with your personal stuff, now you have to pay. 

I am not willing to pay for a fraudulent activity and have a falsely eviction on my name, due the fact someone used my personal information for personal gain. 
and i am now the victim. 


Company involved is XXXX XXXX IQData Inc. who i think is handeling this. 

Also called them, the guy i spoke to said. will make a note that it is fraudulent and file reports But sorry how does this help me get this of my records
Consumer complaint received 2020-08-24
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (VA)

I paid of the auto loan with TD Auto on XX/XX/12. XXXXD Auto 's own written policy on their website states that they will release the title and lien within 10 calendar days. I have called and e-mailed numerous times and they will not allow men to speak with anyone that can get the lien released. They participate with the State of Virginia 's Electronic Lien release program. The State of Virginia code 46.2-643 also requires them to provide a certificate of title within 10 days. TD Auto has refused to do anything at this point but make excuses.
Consumer complaint received 2021-12-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (TX)

Started with a {$200.00} secure credit card and was told after 8 months of paying on time and responsible use would have my {$200.00} returned and graduate to a unsecured card. Graduated to a unsecured credit card on XX/XX/XXXX and was told by email will receive {$200.00} deposit returned in 5-7 business days. It is now almost a month have reached out 2-3 times and each time been told sorry it's a " glitch '' and don't know when your secure deposit will be returned. Last call was on XXXX XXXX and talked with a XXXX out of the Ohio office and she was very unprofessional towards me even questioning and belittling what I did for employment. Asked to speak with supervisor. Spoke with supervisor named XXXX out of the Ohio office. Never received an apology for the way XXXX spoke to me and got them same response of " I don't know '' when requiring about the return of my secure deposit. Then XXXX hung up on me ending the call
Consumer complaint received 2021-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DC)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXDate of Inquiry XX/XX/2021 2021
Consumer complaint received 2021-07-19
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. (GA)

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-03
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: CBC Companies, Inc. (GA)

XXXX XXXX, XXXX XXXX, Violates my given Rights in reports, an refused to remove, Reinvestigate a dispute Request about Entire Public Records Section, displaying XXXX Unverified Bankruptcies, Incorrect reporting. Dates, case numbers, amounts, and court info is wrong. Asked for Method Of Verification, They did not give me how/ who furnished the information. MY right under Section 609 states I have a right to know provided information, they told me I dont have that Right and its not a Law. ALL Public Records Items Were Not 100 % Verified with the actual Data Furnisher- the Courts, in which i provided documentation from the Courts is included. This is Defamation of Character and also violated/ continues to Violate my Rights under FCRA and FTC XXXX CFPB which they choose to Buy & purchase inaccurate information that Was Not Completely Verified. I ASKED AND BY law to Remove said information in Public Records Section concerning XXXX wrong inaccurate Bankruptcy cases. Documentation provided from which they told me they Verified with below equifax website and letter states XXXX XXXX, no bankruptcies are on my XXXX XXXX, XXXX said Court Clerks themselves, Court furnished me letters & said They Don't Verify with CRAs and its online. Well online is full of Fraud and XXXX information and victim of Identity theft already, keep using inaccurate unverified online platforms or a 3rd party to gather is in Direct Violation of my Rights and Breaking the Law.
Consumer complaint received 2023-04-10
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 (MN)

On XX/XX/2023 I was the victim of a phishing scam on XXXX XXXX. An account that I didn't recognize contacted me and asked me what I would do if {$3000.00} was deposited into my XXXX XXXX XXXX account, then asked for my XXXX XXXX XXXX  tag. I shared only my tag before realizing that I was being scammed. The hacker was able to access my online banking information, transfer money from my savings to my checking account, compromise my email, access my mobile banking settings, and create a XXXX account through my Huntington Online Banking. The hacker was then able to then sentd a total of {$1700.00} to themself through the XXXX account they created with my banking information. XXXX denies being liable for this security breach because the transaction was made through their partner, XXXX. However, XXXX states that this security breach must be handled by Huntington who authorized the XXXX account through my mobile banking.
Consumer complaint received 2021-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I had a fraudulent application with XXXX XXXX Bank on XX/XX/2021. 

Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX I also had a fraudulent application with XXXX on XX/XX/2021. 

Institution Information XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Both applications were denied but I would like to remove these hard inquiries from my credit report as they were fraudulent. 
Best, XXXX XXXX
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The collection company is Portfolio Collection in the XXXX XXXX area. 
They are calling me a odd hours of day. I have told them that there wa fraudulent activities on my accounts and I have called the original credit company and the issues resolved and settled. 
I called the original credit company and told them the incessant abuse by Portfolio Collections and they said to tell them again its been resolved. I am at an impasse of what I can do.
Consumer complaint received 2021-02-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (DC)

I am writing to lodge a complaint against what I believe is unfair and highly unprofessional conduct on the part of Amerisave Mortgage Company. On XX/XX/XXXX, I initiated a refinance application ( Loan # XXXX ) for my home with XXXX XXXX of Amerisave ( Loan Originator NMLS ID # XXXX ) and XXXX XXXX XXXX Processor at Amerisave ). I paid the {$500.00} fee that XXXX XXXX said I would recoup at closing, promptly uploaded my financial information, and signed all disclosures. Like my previous home loans and refinances, I assumed the entire process would take 3-4 weeks. However, the process with Amerisave took a total of 6 months. My load processors XXXX XXXX and XXXX XXXX ignored the multiple e-mails I repeatedly sent to them, and did not return my phone calls, making this entire process extremely frustrating and unprofessional. 

On XX/XX/XXXX, I finally received a notice from Amerisave that my loan has been rejected, due to " excessive obligations in relation to income. '' This makes little sense to me for a variety of reasons : 1. The Original Loan is {$470000.00} and the appraisal was {$770000.00}, and my my application with Amerisave was for {$490000.00}.

2. I receive {$5000.00} of monthly rental income on the property, which exceeds my monthly mortgage payment by a surplus of about $ XXXX/month. 

3. I have been employed as a XXXX  with the State of Maryland for 25 years with an annual salary of {$80000.00}.

Aside from my mortgage payments, the only other financial obligations is my car payment and credit cards -- neither of which have ever been in default or had late payments. In fact, I have never defaulted on a loan or had negative marks on my credit report.

With no communication from Amerisave over the past 6 months -- other than automated e-mails -- I have no idea why my loan application was rejected on these grounds, and it's clear that my case was improperly handled. 

Moreover, on XX/XX/XXXX, Amerisave conducted a 2nd hard credit check -- without my knowledge or consent. This is beyond unprofessional, and unless proper steps are taken by Amerisave I will pursue my legal options.
Consumer complaint received 2021-10-21
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: Bread Financial Holdings, Inc. (FL)

I noticed that there were 3 separate charges on my credit card account of which I did not make. All three charges were to the same place XXXX gas. The first charge was for {$490.00} ad the second charge was for {$490.00}. I contacted the card company immediately to dispute the transactions of which they advised that the card was not present for the purchases and that they would look into it. 

Since the charges have posted to my account and will be charged on my statement that will potentially be reported to my credit report showing a higher usage than i have actually used. I contacted the card company again of which i have yet to receive a resolution.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I have had this Chase IHG rewards credit card for a long time and always paid in full the balance owed each month ( see attached credit card statements showing payment in full each month ). I received a letter from Chase ( see attached statement ) dated XX/XX/XXXX informing me that they were closing my account and listed the reason as : " because our affiliate is ending their banking relationship with you '' I called them to understand what their reason meant, but was told that they could not give me any additional information. 
I then received a check ( see attached ) from Chase telling me that there was a settlement in the Chen vs Chase and that I was entitled to for previous credit cards that Chase had abruptly closed between XX/XX/XXXX and XX/XX/XXXX. See attached. 
So what I fail to understand is that if Chase agreed to pay a settlement for closing accounts between XXXX and XXXX for the same reason that they closed my Chase IHG account in XXXX, how does that make any sense? And by the way my credit scores with all three agencies ranges from 780 to 820 at any given time. 
I would greatly appreciate any help in getting this matter resolved. I do have other credit cards with other banks such as XXXX  XXXX XXXX and XXXX but it is the frustration and anxiety caused me by the revoking of my Chase credit cards ( both in the past and now ). As in XXXX I asked Chase to explain why they took this action and as in this case now, they refused to answer. I even hired an attorney in XXXX to write to them but to no avail. They simply refuse to give any details other than : " because our affiliate is ending their banking relationship with you ''. 
Your help is greatly appreciated. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2021-05-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc. (CA)

I get paid by the first of the month every month. My employer sends all of my deposit information to my bank three to four business days before the actual payday Now, when i first opened my acct. With Moneylion i did it because they had products and services that inteigued me. However, those services ( getting paid two days early ) only happened the first two months i moved my direct deposit from XXXX ( who always honored getting paid two days early no problems ) to moneylion. The last four month have been a battle trying to get them to honor their advertisements of getting paud two days early and when i call i can never speak to a supervisor. Ive even set up appointments for supervisors to return my call to no avail. They already informed me that they received my deposit information from my employer on thursday. The first is Tuesday with Monday being a holiday. So, in all reality i shouldve been paid yesterday, today at the absolute latest. I am being told my money won't go through until Monday the holiday. My car is going to be repossessed because these people have deceptive, unethical, and fraudulent banking services they advertise. Ive had family whom have worked for online banks and they told me that they hold onto your money as ling as possible to earn intrest off of your money. I never believed it at first but these last four to five months have made me a believer. I hate banks in general but im now wishing i wouldve never switched from XXXX  to moneylion because at least they honored their advertised services.
Consumer complaint received 2021-05-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I went to Huntington National Bank XX/XX/XXXX XXXXI intended to open a XXXX XXXX. That offers a XXXX $ bonus. They have very strict rules and hoops to jump through. I have done this twice before. With no problem. I also was given internal documents that I still met. Ive talked with XXXX XXXX several times in this bank. Now I was told not only by him but by a Vice President I did not get the name of that IT DOES NOT MATTER WHAT THE RULES AND REGULATIONS ARE, WHAT MATTERS IS THE SPIRIT OF THE OFFER. 
I always thought business is done in writing. I have a over 800 credit score. And at one time I had several hundred thousand dollars in this bank. I definitely feel XXXX  against. It tells you how long you have to wait after being a costumer, or your not eligible. I would like to submit these rules. I was given this number for the corporate office. XXXXVery disappointing they choose to not honor their own offersXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX. Please leave a message if no one answers. Thank you.
Consumer complaint received 2023-03-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Dear PayPal Team, I am writing this formal complaint to address my PayPal account. I received a Personal Payment of {$250.00} from XXXX XXXX, after which I did not use my PayPal account. However, when I accessed my account on XX/XX/XXXX, I noticed that my balance was reduced to {$0.00}. Upon further investigation of my account activity, I discovered that PayPal has adjusted my balance due to the existence of additional PayPal accounts under my information that have negative balances. 

Furthermore, I noticed that PayPal had requested me to provide some information on XX/XX/XXXX, and someone has also submitted incorrect information to PayPal on my behalf. I am concerned that this situation indicates the unauthorized creation of accounts using my sensitive information. I can confirm that my identity has been stolen and is now being used to create additional PayPal accounts. I am open to providing valid identity documents and I am willing to cooperate with PayPal team to win this case and resolve the issues. 

Therefore, I am kindly requesting the PayPal teams assistance in addressing this matter. I would like to report the unauthorized account creation using my sensitive information and request that my balance and account be restored to their normal standing. Please help me in resolving this issue and prevent any further misuse of my information. 

Thank you for your attention and support. 

Sincerely, XXXX XXXX