davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I thought I was starting a new job .. so I started my first week. & I given a check to deposit in my bank.. XXXX $ and it was available XX/XX/XXXX. After I went to XXXX to purchase two XXXX $ XXXX gift cards. Not the XXXX cards.. I was told by my boss XXXX XXXX to send the gift to another employee.. I never met this person before. We only been contacting through via email.. later that day around XXXX I get a notification from my bank saying it was charge back.. meaning the check was never clear.. now i have negative XXXX in my account. Im hoping XXXX can block the cards and give me any remaining funds back.
Consumer complaint received 2018-02-07
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are  required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below
Consumer complaint received 2020-12-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CA)

We are trying to get Freedom Mortgage to release the latest deed that was generated back in XX/XX/2020. The original loan officer directed me to their servicing department who in turn tried to forward me to the title company, refinance department, and finally, their closing department who is trying to redirect me back to the loan officer. 

Every time that I call them, I had to be put on hold in order to talk to multiple agents who tried to help. Sometimes, they even tried to connect me to another loan officer who tries to refinance my loan to another lower rate while I am trying to get the said deed released. At the end, I was being told that the loan was closed out/ cancelled or withdrawn. 

Then, I have to speak to another department. This entire process is a big waste of time and resources. Not to mentioned that I am being financially deprived of the time and better deals that are available to me. 

I have notes, dates and several names of the agents that I spoke with regards to this process because I have a feeling that they are going to send me a to a while goose chase!
Consumer complaint received 2019-09-26
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I mailed a Payment to my mortgage company ( Rushmore Loan Management Services LLc ) on XX/XX/2019 and the check was received on on XX/XX/2019, they added a 30 day late payment on my XXXX and XXXX report, my XXXX   report is not showing late for the month of XX/XX/2019. 
I talked to the managers several times the refuse to correct it.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

Around XX/XX/2019 am unauthorized hard inquiry was done on my credit through a Vendor, XXXX XXXX XXXX XXXX XXXX XXXX   with XXXX XXXX. I contacted both and Experian to correct this. In fact I already filed a complaint with CFPB within a week or so of it occurring. Meanwhile, I was in touch directly with all concerned and was told it was all fixed and removed from my credit report, etc. Meanwhile, it it is still on record as a hard inquiry and will be for the next 2 years or so. I have tried many times to correct this and was on endless hold with Experian and have not been able to make contact with anyone to correct, hence this complaint.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Security Credit Services, LLC (MN)

I have an account of {$750.00} with a service where I couldn't make monthly payments for. They sent this to Security Credit Services LLC as debt owe ( according to my credit report, it's Security Credit Services LLC who owns my debt account ). Security Credit Services LLC did NOT contact me at all to pay off the debt, instead, they automatically posted this on my credit report as an open account in collections. They then sold my account to a third party debt collector, XXXX XXXX XXXX. XXXX XXXX XXXX has been harassing me continuously to collect the debt. I paid my debt in full and was informed that I will have to handle this with Security Credit Services LLC to get it removed from collections on my credit report. I've left messages, called continuously, even wrote a letter to fight this. But I have NO response at all. Although the debt was paid in full, it still shows as an open account under collections and it's hurting my credit score.
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate personal information and negative accounts on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK!!! 


Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. 


In accordance with the Fair Credit Reporting act. Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. These addresses do not belong on my credit report nor do these negative, delinquent, charge-off accounts.
Consumer complaint received 2022-04-28
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. (AR)

In accordance with the fair credit reporting act, the XXXX XXXX has violated my federal consumer rights to privacy and confidentiality under 15 U. S. C 1681 XXXX XXXX account number XXXX 15 U. S. C 1681 ( a ) ( 4 ) I have the right to privacy 15 U. S. C 1681b ( 2 ) it also states a consumer reporting agency can not furnish a account without my written instructions I provided certified mail tracking which came back XX/XX/2022 XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I don't recall having a contractual relationship with this collection company XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2018-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (FL)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Consumer complaint received 2021-05-21
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. (CA)

This complaint is to addend the complaints that was filed on XX/XX/20 # XXXX and # XXXX. Based on the credit report that we just received from XXXX. We discovered the WRONG SSN/NAME/DOB ( it is my brother XXXX XXXX XXXX ) was used from the Equifax data ( page 23 ). There are 30 mistakes total ( with red X ).
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (PA)

Due to Federal docket : XXXX ; and the obstruction of justice done by Judge   XXXX XXXX XXXX and XXXX XXXX , XXXX stated to me on XX/XX/XXXX or so that they could not and would not place a freeze on my credit and information in regards to fraud and theft of my identity until I showed proof that I male, my name, social, and other forms to prove myself and a cover letter of why I need the freeze after its been reported and told for fives years now to all relevant government agencies and they did nothing but allow the state of PA., and XXXX XXXX XXXX to break legal code 18 U.S.C. 241 ; 242 with the help of the government. Understanding Donald trump is a graduate of XXXX business school it all adds up to why this has happened and why you all did nothing right or legal towards me yet let a man and this country rob me of my own identity and legal win in federal court while holding me hostage in an apartment building while having people surveillance me and do the most heinous crimes of retaliation and intimidation to me. Further more while attending an emergency XXXX  appointment it popped up in their system that I maybe committing identity theft and fraud against myself until they matched my face and information and saw themselves something was going on therefore thank you all for NEVER doing your job and allowing a man to do this to me with the help of people he knew and threatened to use against me while causing the most harm to me out of his mouth while in state level court. It is furthermore noted that I have reached and submitted to so many offices that I have to wonder are they mentally aware of what they are doing and the jobs they took when they took them but robbed me of fives years of life. From my lates 20 's until XXXX I have been done extremely wrong and I want it made right. You all allowed this to happen and never stopped it even while going through the system. Lastly for a credit agency to tell me over the phone we cant and wont help you with a freeze on my account until you give us what we need to update and cover our tracks is beyond the scopes of legal and shows full guilt that you all messed up. Now XXXX?
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (NV)

I received an American Express gift card for {$50.00} on XXXX XX/XX/2021. I used the card to purchase {$25.00} in gas on XXXX XX/XX/2021. On XXXX XXXX I went to the same gas station using the same process to purchase another {$25.00} in gas. The clerk informed me that the transaction was refused because I didn't have sufficient balance for the {$25.00}. I requested {$20.00} in fuel instead of the {$25.00}, so there should be {$5.00} remaining balance. I looked up the account online on XXXX XX/XX/2021 and the balance shows a negative {$20.00}, as all three transactions are showing completed ; {$25.00}, {$25.00} and {$20.00}. This seems highly unlikely as I only received {$45.00} in benefits and American Express would go out of business if their systems allowed negative balances on prepaid gift cards. I called into the Amex call center and spoke with two different agents, both of whom told me that all three transactions were good and that there was no way to dispute the {$25.00} charge. In my view, Amex is doing everything they can to make it difficult to receive the full value of prepaid gift cards. This is known as " breakage '' and it appears the systems are designed to maximize the breakage at the expense of the consumer.
Consumer complaint received 2020-01-23
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. (GA)

I have disputed an error on my credit report with Transunion three times, and have twice received a response that the information is correct. I signed and canceled a contract with XXXX XXXX ( alarm company ) in XX/XX/XXXX. However, this account was reported as a account that was opened in XX/XX/XXXX in collections. Transunion obviously did not investigate. I do not know anything about this collection agency and want it removed from my credit report.
Consumer complaint received 2023-04-04
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. (AZ)

XXXXXXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXXXXXX {$600.00} XXXX XXXXXXXX {$720.00} Addresses XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My consumer right has been violated according to 15 us code 1681 .... inaccurate which should be deleted immediately...
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA (NJ)

I have been violated by GS Bank on XX/XX/2021. I am a victim of identity theft and did not give permission to anyone for assumed access to my information.I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1640 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please have these inquiries removed from my credit report.
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (WA)

I received an email on XX/XX/2020 from American Express stating that after recent review of my AMEX Serve Account, they identified activity that they believe violates the terms of the Serve Consumer User Agreement. Please see attached email and I have included an attachment of User Agreement Section 15 ( d ). 

I have no idea what they are talking about. I called to ask and the supervisor XXXX whom I spoke with said she couldn't tell me anything. That I had to write to the Serve Customer Care. She gave me the address. I asked how am I to get the remaining funds in my account. She said there are pending transactions and after they cleared, AMEX would mail a check to me for the remaining funds. : She couldn't tell me anything else. I specifically asked about the time frame regarding receiving the money in my account and she couldn't give me any idea. My paycheck is direct deposited however, AMEX returned it to my payroll office and they will in turn mail a paper check to me. I live paycheck to paycheck and this whole thing is a shock. I have been banking with American Express for over five years and they have been great. I'm wondering if this has anything to do with a dispute I filed? Although I have done everything they have instructed me to do. When I have called to try and get answers, the recording says that my account has been permanently suspended, good bye. I ; m not kidding!
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  States I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-29
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. (IL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-01-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (PA)

I opened a checking account with Wells Fargo on XX/XX/2021 and made a initial deposit of {$100.00}, and a few days later I was told by Wells Fargo that my checking account has been closed due to the relationship with the bank. On XX/XX/2021, my account was officially closed, but I haven't received my {$100.00} initial deposit so far. I contacted Wells Fargo many times and none of my complaint have been properly resolved.
Consumer complaint received 2018-02-07
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. (LA)

I opened a charge account with XXXX XXXX XX/XX/XXXX, I was approve for {$1000.00}, I have never used this account at all. The account was closed/transferred/sold on XX/XX/XXXX which dropped my credit score. I just got a alert today XX/XX/XXXX stating that my Equifax credit score dropped another 16 points due this same account being acquired from another lender. The company name is XXXX XXXX / XXXX XXXX. It is no fault of mine that this company 's accounts has been acquired, Again I have never used this account so my score should not be affected.
Consumer complaint received 2018-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Model Finance Company (TX)

MODEL FINANCE sold my debt I owed them to XXXX XXXX XXXX.  MODEL FINANCE is still showing a debt owed to them as well as XXXX XXXX XXXX showing a debt. Both are reporting on my credit report.  So now if/when I apply for any type of loan or credit it looks as if I owe 2 different companies an unpaid debt, when in actuality its only XXXX XXXX XXXX that I owe the debt to since MODEL FINANCE no longer owns this debt.
Consumer complaint received 2021-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX a family member used my Amazon credit card ( synchrony Bank account ending in XXXX ) without authorization to order a new cell phone in the amount of {$490.00}. ( from Amazon ) 3 hours after the order was placed I received a confirmation email and promptly called Amazon customer service to cancel the unauthorized order. They declined to cancel the order. The phone was delivered several days later and promptly returned to Amazon unopened. 
Amazon set me an email acknowledging they received the returned order. As compensation on XX/XX/XXXX Amazon issued me a gift card for the {$490.00}. 
I called Amazon and declined the gift card and asked them to credit the amount to the credit card. On XX/XX/XXXX Amazon canceled the gift card and I assumed credited my Amazon Store Card issued by Synchrony bank. But as of today ( XXXX ) after countless calls and disputes, and mailed documents as requested Synchrony bank they refuse to correct the fraudulent order and remove the charge from the card. They are fully aware it was a fraud order and the item was returned to Amazon. I have emails from Amazon customer service indicating they have notified Synchrony Bank to cancel the charge on my credit card but they still refuse to do so. Its now in collections!
Consumer complaint received 2018-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (MD)

Capital Accounts - XXXX XXXX XXXX, XXXX TN XXXX Account # XXXX XXXX XXXX XXXX. 
I have informed the above collection agency from day one that they called me that, I did not owe the above the said money, without checking or verifying information from their clients they report the inaccurate information to the credit bureaus. Their action has caused an irrefutable harm to my credit score and diminished my ability to refinance my mortgage.