davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-20
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. (TX)

In XX/XX/XXXX I received a notice of identity thief. After contacting equifax about this matter, I paid for a report, dated XX/XX/XXXX. Equifax had a lot of information wrong on the report. I went through a rigorous amount of paper work, phone calls to try to get this all corrected. The fraud was a student loan that was not my signature. After contacting the collection place XXXX I had to do a police report and send in documents supporting. This took several attempts along with Equifax not having correct information too. I sent copies of my ss #, driver license, correct address etc all supporting documents to All three Credit Reporting Agencies, IRS, My attorney, so that it would be cleared up. 3 yrs is too long to have to keep taking time from my busy schedule to keep reaffirming my correct information. It was all cleared up in XX/XX/XXXX. The collection company sent a letter, as did the IRS. Now the issue is that Equifax still has Wrong information, that they were to remove but didn't. When a company is asking to verify who I am, and all of the questions are pulled from my credit report ... ... .the questions are wrong because I never lived at the incorrect address information, nor the student loan questions. I have tried to clear this up with Equifax and again to verify who I am, they want me to answer security questions that are not correct information. There has to be a more efficient answer for security questions, If they go by the questions off a credit report, then that credit reporting agency should have correct answers that only that person would know, like what is favorite nephew questions, ( information that I would only know ) not someone who has a copy of my file. My credit union was asking me to verify myself, and it was pulling the questions and answers from an inaccurate credit reporting agency. On XX/XX/XXXX I logged on to eqifax website to get a free credit report and after answering the security questions with the correct answer of NONE above, it denies me access. I call and they want me to verify with the same WRONG information. 
Help, I am so wore out over this merry go round with them. I had disputed information with Equifax all XX/XX/XXXX-XX/XX/XXXX. I shouldn't have to resend them my SS #, drivers license, etc. They have all that from last year. I can't dispute anything until I answer those question with wrong info and I don't want to do that.
Consumer complaint received 2021-02-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (PA)

Payment was made on the account on XX/XX/21 for the full amount owed {$100.00}. The debt was to be removed from my credit report, but even after payment the status of the account is open and the full balance is still showing as owed.
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. 
15 USC section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2.8 It also States a consumer reporting agency can not Furnish a account without my Is written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account Under open in consumer Plan as late payment for any purpose.
Consumer complaint received 2020-12-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CT)

The debt collection agency will not update the amount owed/adjust my credit report and remove from collections. 

The service was in XX/XX/XXXX and it was finally resolved by my insurance XX/XX/XXXX. 

There were issues with me having multiple insurances and they wouldnt initially pay until I provided proof of only having one medical insurance. Once that was taken care of they paid out. 

My insurance covered the debt ( XXXX ) an I provided the supporting documentation to the hospital, the agency, and XXXX multiple times as proof. 

Ive called them and the are not responsive other than I must wait for them for review the documents Ive submitted. 

They will not respond to my emails ( they provided me the email address ) Ive disputed this 4 times already with XXXX. 
It is wrong to expect me to pay a bill that was paid through insurance always. I am only responsible for the deductible of XXXX. 
I wonder if others are experiencing the same issue with this agency. It is worth looking into it, as it is a fraudulent practice. 

I dont know what else to do! 

Thank you kindly in advance for your assistance.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MIDFIRST BANK (TN)

Through CFPB my XXXX checking account was successfully reopened back from XX/XX/21 complaint XXXX. 

I qualified for the {$250.00} Direct Deposit Bonus as well as the {$25.00} Savings Goal bonus once my account had been reopened. I never received the bonus and my account again was closed but this time due to inactivity. 

I spoke with XXXX XXXX, XXXX line Support Team Supervisor, ( XXXX ) XXXX back in XXXX about the {$270.00} bonus I never received and was told by him there had been many errors on numerous accounts regarding the bonuses not attaching to the account and my account was one of them. Since my account had been closed for inactivity, whereas it had been active since I made several direct deposits into the account ; he apologized for the mishap and said he would have a check for {$270.00} cut and mailed to my home since it could not be placed into a closed account. He also said he would get back to me within 72hrs and if he did not for me to contact him directly. 

Unfortunately, he never contacted me back and I have attempted to contact him and leave messages on his voicemail several times in regards to this matter ; I still have yet to receive a callback nor the check for {$270.00}. I have also contacted the customer support line twice since my failed attempts of contacting XXXX. I first spoke with a young lady named XXXX XXXX who said my check was on the way. This call took place back in XXXX and here we are in XXXX still no Check. I called again today and spoke with another customer support team who tells me they see everything in the notes regarding my account and the {$270.00} should be sent to me but XXXX XXXX is the only one who can handle it. The CSR said he would email him letting him know I am still waiting for this situation to be resolved and a callback from XXXX. Still no call back and I personally don't think I will receive one. 

This is very disturbing and has been a long drawn process to receive what I earned. 

Please help. 

Thank you
Consumer complaint received 2021-02-27
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. (CA)

A prior report has been filed in relation to the problem at hand. Someone somewhere is using my credit information and applying for credit card, loans, lines of credit and mortgages which is hurting my score and putting over sixty credit inquiries i do not recognize on my report. I would like these inquiries that were not initiated by me to be removed from my credit history as they are fraudulent.
Consumer complaint received 2021-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

There were two unauthorized transactions from my Chase bank business account. 
Business name : XXXX XXXX XXXX Account number : XXXX Routing number : XXXX First attempted by XXXX XXXX on XX/XX/2020, which the transaction, {$5000.00} was completed and second attempt by XXXX XXXX XXXX on XX/XX/2020, but the transaction {$5000.00} was rejected. Chase has not refunded the loss {$5000.00}. 

1. XXXX XXXX XXXX address : XXXX Chase bank transaction numberXXXX 2. XXXX XXXX XXXX Mobile number : XXXX Chase bank transaction numberXXXX
Consumer complaint received 2021-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (FL)

Medical bill from about 6 years ago. 

Went to emergency room in XXXX XXXX XXXX XXXX, XXXX XXXX, Florida. Several days later, phoned the financial/billing office. Told them that at present I was out of a job and gave them pertinent information. Was later told that they had written off the amount as an indigent patient. 

Over past five years, I have been employed and have been trying to qualify for a home mortgage. Found out that there was this outstanding bill for {$860.00} for medical on my XXXX credit report. Phoned them to find out what it was. I was told that it was the " doctor 's fee '' for my visit to ER. I never received a bill for this. I have moved several times and there is likelihood that this bill never caught up to me. I assume this collection is probably on each of the credit bureau records. 
I told XXXX I would like to pay and clear this collection. I paid {$520.00}, Confirmation # XXXX on XX/XX/2021 and she told me it would come off my report within 5-7 days. This has not been done. XXXX XXXX is who I paid. I was told that this would increase my credit score.
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (CA)

This is not a problem with a payment. Your form just doesn't list my problem. My problem is this, Ally Home Mortgage sent me a Privacy Policy Notice that directs me to their website to OPT OUT of marketing. I have tried numerous times over numerous days to submit this form. Every time the form is submitted, I get an error message. Regulation P requires lenders to provide me a way to opt out of their marketing. And this mortgage company is not in compliance with the law. 

XXXX XXXX XXXX
Consumer complaint received 2021-11-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (WA)

I had a voicemail on my phone, number unknown, from a man named XXXX stating that he was from the county process service and his call was concerning a failed attempted delivery of a court summons issued to a XXXX XXXX. I have been married XXXX  times and so my name has changed but I legally changed it in XXXX to XXXX XXXX. It's never been XXXX XXXX. My legal name now is XXXX XXXX. He went on to say they were going to selfserve the documents tomorrow morning, XX/XX/XXXX and wanted to make sure I was available for service. And if I needed to make any changes that I should contact the law firm at XXXX and reference case number XXXX. 
I called that number this morning, which was identified as XXXX XXXX Law, and spoke to XXXX. He stated that I owed {$8000.00} to Chase Bank/Providian/Washington Mutual from XXXX XXXX XXXX also informed me that if I didn't agree to pay then they would pursue this matter further and I would also have to pay attorney and court fees in the amount of {$13000.00}. XXXX knew my previous married names and had my XXXX  # which I am concerned about. 
XXXX said this was for an old credit balance. He did not say if it was a line of credit or a credit card. Just that if I didn't pay then they will place a lien on my home. XXXX was rude, called me a XXXX and XXXX  for not paying my bills. He refused to give me the original debtors name, address, my account number or their phone number. 
I managed to get their address from whoever answers the phone as XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. He said there was no suite number. I called the property manager of this building, XXXX XXXX at XXXX. XXXX said there was no company of XXXX XXXX XXXX XXXX on his rental roll and there would absolutely have to be a suite number since this address has XXXX XXXX story buildings. 
It is very frustrating to get calls like this that have no basis. I have never had an account with Chase Bank or Washington Mutual nor have I had a Providian account. Even if I did, this " debt '' is well over the statute of limitations. I have purchased XXXX homes since XXXX and I am absolutely sure this issue would have come up. 
I have never received anything by mail from any of the companies listed above or from a XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NY)

In accordance with fair credit reporting act XXXX account 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 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 602 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-17
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Conduent Incorporated (MI)

Spoke with representative on XX/XX/2022 and was informed to wait for refund from the fraudulent charge by XXXX in XXXX MI. Contacted customer service on XX/XX/2022 was transferred 7 times, hung up on, and was on the phone trying to get this resolved for over an hour. No one at this agency appears to know how to enter a dispute against XXXX. On XX/XX/2022 I was informed to wait until the XXXX day. On XX/XX/2022 I was informed to wait until 7 days. There needs to be training and coaching on how to handle dispute. Each person validated my information was of no assistance. No manager was available to assist and everyone is working from home.
Consumer complaint received 2022-09-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

On XX/XX/2022, my dad wired {$6000.00} to XXXX to his account with HSBC XXXX. On XX/XX/2022, my dad was checking his account in XXXX to make sure the money arrived to his account and it never did. We called out bank ( sender ) and told us the wire was sent and should had arrived by now. My dad and I reviewed the wire form and spoke to USBC XXXX and we were told by the Branch Manager the information was incorrect. The customer service rep at that location in XXXX had given us the wrong wire instructions. Our bank started sending requests to HSBC fed line requesting to return the funds or credit the funds to the account in XXXX & gave them the correct bank info and they did response at first but the money is still missing and our bank continues to send emails with no replies., but now its been several months and still have not heard nothing from them. We have also kept in contact with HSBC XXXX and tell us they can not help or answers our questions to where the money is. 

We feel that this was not our fault and the customer rep. gave us the wrong wire instructions. 

On XXXX XXXX, my dad was admitted to the XXXX  with XXXX and XXXX and is now suffering the consequences of this terrible XXXX He is still in the XXXXl and it will be a long recovery. XXXX may not be a lot, but it is to him and my mom who desperately need their money back and unfair they are not getting any answers.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a FTC report and submitted it and explained that these Inquiries ar in fact not mine and I want them removed within 72 hours. 

XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not approve of these inquiries and they need to be removed.
Consumer complaint received 2019-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I deposited a check via mobile on XX/XX/2019 in the amount of {$1.00}, XXXX. The check was from a XXXX personal checking account. Despite the fact the check cleared through XXXX on the XXXX, Bank of America put a hold on the check until XX/XX/XXXX. I received the check from a friend, I have a recorded conversation with my friend and XXXX XXXX, wherein XXXX assured that the money was sent to Bank of America on the XXXX. 

Furthermore, I have a copy of the cleared check from my friend. Bank of America does have my money and despite talking to numerous " so-called '' managers, wherein I recorded each conversation, to name a few : " XXXX XXXX '' Financial Center Manager, XXXX, IN who stated he would get my money release. I met with " XXXX XXXX '' in person also and he saw the proof from XXXX that I provided that the check did clear from XXXX. " XXXX XXXX '', Supervisor, also stated she would get my money released I have a recorded conversation, however all to no avail! 

Bank of America has received the money from XXXX XXXX, I have proof and they are holding my money for no reason! This should be unlawful!
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

I sent a debt validation letter to Santander Consumer USA in XX/XX/XXXX,  never received anything in response. I spoke with an account manager on the phone for Santander Consumer USA and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that Santander is reporting different amounts to each Bureau, and also  reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, XXXX XXXX and XXXX both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month Santander has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.
Consumer complaint received 2021-02-27
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. (GA)

I had an open account with XXXX and they are incorrectly reporting a missing payment from XX/XX/2019 when there was none. I called them to ask for an extension since my identity was stolen and said it would not report to the bureaus as late or missed. They said one thing and did another. This is is hurting my credit in a negative way and needs to be fixed asap. 

I will be including my police report as well for them to see. The rep on the phone was very rude and did not want to hear anything I said and hung up on me. This is no way to talk to a client.
Consumer complaint received 2020-01-27
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: ID Analytics, Inc. (GA)

I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them  in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.
Consumer complaint received 2023-09-10
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: LEXISNEXIS (TX)

I applied for home insurance with XXXX and was denied based on information LexisNexis Risk Solutions Consumer Center provided them on a file they maintain on me. I have on three occasions requested a copy of the file/information supplied to XXXX by LexisNexis, and all three times, they have denied my request. I have written them twice and completed their online application. As requested, I have provided them with my Texas driver 's license, social security information, full name, and date of birth. 

" LexisNexis response : Unfortunately, we are unable to authenticate your identity and therefore can not process your request. '' The information I submitted to XXXX for the home insurance is what I provided LexisNexis. How can they respond to XXXX and give a report but can not provide me, the consumer, with a copy of that information?
Consumer complaint received 2021-12-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Why you still posting these negative information on my account? I keep sending complaint to you about it! These accounts are not mine! They shouldn't be on my credit report! Im sure someone have my personal information
Consumer complaint received 2019-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I filed a dispute with Equifax using regular mail as they have a debt assigned to me wrongly on my credit report. It has been 30 days and I heard nothing from them. I tried contacting them, but they were not able to help me.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.