davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-29
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

1. Experian erroneously removed two years of perfect on time payments for one of my credit cards : XXXX XXXX XXXX. 
2. Experian erroneously removed from their list of " open accounts '' XXXX XXXX XXXX from my Experian membership profile. 
3. I contacted XXXX XXXX  multiple times about this issue ; and XXXX XXXX representatives assured me of the following : that my account is open, active, and that I have perfect payment history, and that I am in " excellent standing '' with XXXX XXXX. XXXX Bank representatives stated to me that they have always and consistently reported to Experian Credit Bureau, and continue to so, since the opening date of my account with XXXX XXXX. 
4. I spoke to supervisor " XXXX '' and Experian 's " membership services '' teams, where supervisor XXXX informed me that He could in fact see my perfect payment history, and the XXXX Bank account in question. When I explained to supervisor XXXX that I could not see the information on my end, and that I was concerned about this troubling development, supervisor XXXX told me that it may be due to the type of Experian membership I have ; and yet for the past two years I have been able to consistently view and monitor the account reporting data by Experian on my end, without any issues ( since the account was first opened ) therefore supervisor XXXX 's statements don't hold up to the facts. 
5. I just checked my Experian membership today on : XX/XX/21 and see that the issue still has not been appropriately resolved, because the information I have a right to see ( under the FCRA ) is being willfully withheld from me, against my will, after waiting almost an entire month for Experian 's so called " resolution. '' I see that Experian is clearly and knowingly witholding my information from me, and when alerted to this issue ( by an Experian customer ) and provided with ample information and time to remedy the issue, that Experian has knowingly failed to do so, and that Experian has willfully damaged and injured my financial health.
Consumer complaint received 2021-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Someone reached out to me for the room I am renting. She sent me a cashier check worth {$4800.00}. However, when I received the check she sent me, I have rented the place to someone else. After I told her what happened, she asked me to deposit the check and XXXX the amount to her new landlord. I deposited the check at BOA mobile app and got the money on the next day. So I XXXX the money. A couple days later, The cashier check bounced back as it's a fake check.
Consumer complaint received 2020-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (NV)

I paid XXXX XXXX directly and by law, they must recall the account from Convergent, which Convergent agrees that they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.
Consumer complaint received 2020-07-23
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)

Im well aware the of pandemic and acts of racism and discrimination that permeate our society. As a person of XXXX who has already sent information that the account isnt mine with identity theft reports I would hope you would take this investigation seriously as you have a duty under Fair Credit Reporting Act. Because you ask me to send my identification and previous discriminatory acts by your bureau I allege that perhaps at the very least you have unconscious bias when Ive already sent proof many times prior. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from my credit report as they acknowledge the errors. I asked you to do the same. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time as they arent mine. Moreover, you will notice a particularly error in your reporting between months XXXX through XX/XX/XXXX where you acknowledged a payment and then reversed it as late. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report. 


Account Name : XXXX XXXX Account Number : XXXX **** Reason : Incorrect late payments Instruction : The payment history is incorrect and the account isnt mine. Instruction : The payment history is incorrect and the account isnt mine. The creditor has removed it from their records as they acknowledge the errors. I asked you to do the same and remove it permanently from my credit report.
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (OH)

I open an account with Wal Mart on XX/XX/2010, unbeknown to me they also enrolled me into a Card Security Program without my consent. I enrolled into Wal Marts online billing, and the would send me what I owed though my email account and I would pay it! A couple months ago I forgot my online password, and requested that Wal Mart to start mailing out my statement to me again. After receiving my statement from Wal Mart I notice where they were taking out for this service, that I never asked for. I called there Customer service, and asked about how and when did I sign up for this service? All the Representative could tell me is that is was a mistake and they would refund my money. So my next question was to Wal Mart was were they going to reimburse me on the interest fees they been charging me over the last nine years, that my account been open? They answer to me was all we can do is return a couple of late fees you had occurred, ( WHAT )? I told him as a disable veteran who does not have a lot of income, I need all the help I could get! This manger was not very caring or helpful in trying to resolve this issues. So if the did to me, how many other consumes, have experienced the same problem I have? Just wondering
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

In accordance with The Fair credit reporting act. The list of the accounts below has violated my Federal protection consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # 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 206A States I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also States a consumer reporting agency can not furnish accounts without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crime which antedates the report more than 7 years. 15 USC 1681 s-2 A1 a person shall not furnish any information relating to the consumer to any consumer report agency if the person knowing or has responsible case to believe that the information is inaccurate.
Consumer complaint received 2022-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

There was a fraudulent withdrawal in the amount of {$20000.00} from my law firm XXXX account at Chase bank made on XX/XX/2022. The check was not a real check and was forged, yet Chase bank allowed them to withdraw the money anyway. I submitted the fraud claim on XX/XX/2022 which was the first business day after learning of the fraudulent transaction- which was about 55 days after the actual fraudulent transaction. My bank has denied the claim for reimbursement despite my 30 year relationship with them..
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (WI)

I opened an checking/savings account at Laurel Road on XXXX. I didn't have any issues until I finally tried to withdraw my money. I have over XXXX XXXX in the account and at the time the account was frozen. They claimed it was due to fraud and asked if I XXXX XXXX XXXX to which I said yes. They said they would forward this info and I should hear back. It has been over XXXX weeks and they won't release the funds. I need the money to pay off a credit card bill. They told me they can't even close the account and send me my money. Basically they are holding my money without letting me access it with no visibility to when I will get my funds. If I miss this credit card payment it will result in a high fee which is unacceptable. I need Laurel Road to unlock my account at which time I will remove my money and close the account. This is very unacceptable for a bank to do.
Consumer complaint received 2022-04-28
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: Exeter Finance, LLC. (NY)

CREDITOR NAME : EXETER FINANCE LLC AMOUNT : {$29000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX AMOUNT : {$320.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX - AMOUNT : {$560.00} - DATE OPENED : XX/XX/XXXX - ACCOUNT NUMBER : XXXX
Consumer complaint received 2023-02-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious account. I think you have not validated this account. this account must be verified as soon as possible This was already included in my prior COMPLAINT and I am including it again XXXX XXXX Balance Owed : {$200000.00}
Consumer complaint received 2021-05-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

A letter was sent XX/XX/2021 disputing two collection agency collecting on the same account reporting open with a balance which is Double Jeopardy. 
Today date is XXXX,46 days late and I still aint heard nothing from them which is a violation FCA , section 611 ( a ) ( 5 ).
Consumer complaint received 2020-07-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (IL)

I was in the hospital with a XXXX. I had over {$600000.00} worth of medical bills. XXXX covered most of it. This was in XXXX. My brother told me a collection company called his house to collect my debt. Then today I got a letter from the same collection company in the mail. It stated that I owed {$190.00} for a doctor bill from when I was in the hospital. I told him I have been making payments on all of my bills. I wanted to know who the debt was from. He told me XXXX XXXX XXXX. I checked and I have not gotten a bill from them. I can't possibly pay a bill that was never sent to me to pay. Then they turn it over to this collection company that treated me like I was a criminal. He told me to research it myself. His job is not to tell me who was billing me or their phone number. I have no idea what this bill is for. I have no idea if it is even real. 
I think I should not have someone not send me a bill and then try to ruin my credit by turning it over to a collection company. That is certainly not fair and it doesn't seem legal.
Consumer complaint received 2021-10-25
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. (CA)

XXXX XXXX XXXX XXXX is misreporting my auto loan status as a Charge-off from XXXX to the three credit bureaus in error. 

When my vehicle was totaled in XXXX the XXXX GAP insurance on the auto loan should have paid the remaining balance, as promised. XXXX XXXX XXXX XXXX sent me a confirmation in XXXX that my GAP insurance ( see attachment ) coverage would pay the remaining balance and that I just needed to complete their 3 steps to activate my GAP which I completed right away. 

Three years later in XXXX of XXXX when I was refinancing my mortgage, and my lender pulled my credit reports I discovered my old auto loan was reporting as an unpaid charge-off account. I only then realized that my GAP insurance didn't pay out. 

To quickly rectify the situation and get my refinance done, I paid the account off immediately then I contacted my GAP insurance and they issued me a check to re-imburse me a few months later ( see attached ). What they failed to do though, is correct my credit report to remove the negative marks which were dropping my credit scores 60-80 points. The account should have been updated to report correctly on my credit reports as a CLOSED account that was never past due and definitely not charged off since my GAP insurance was through my auto lender it was their error that GAP didn't pay out timely, not mine. 

I am currently in the process of refinancing my house again, and when my credit was pulled, I noticed the account is now being reported as a PAID charge-off with a date of last activity in XX/XX/XXXX. Again, the account should have never reported as delinquent as it was a clerical error with GAP insurance that was out of my control. Yes, the financial part of the issue was fixed however the credit issue has not been.
Consumer complaint received 2021-05-27
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. (GA)

I am a victim of identity theft. by FCRA LAW you were supposed to remove these fraudulent accounts after 4 days of receiving this XX/XX/2021. it is now XX/XX/2021 and these fraudulent accounts are still reporting to my credit report. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block.If I received good and services, then please have a senior executive certify under the penalty of perjury that I in fact received good and services as a result of this transaction in writing under 15 USC 1681B ( a ) ( 2 ) .Under 15 U.S. Code 1692e ( 11 ) you reported that i owe a " debt '' but i don't see any accounts that have a negative balance. Every account I see has a positve balance. this is in fact false and misleading. I was under the impression i would be geeting paid because I see positive balances where you say I owe. under 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy, I find these negative items reporting on my credit report to be very private. my peace is disturbed by you infringing on my privacy.
Consumer complaint received 2022-11-16
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)

the XXXX  never investigated the Identity Theft as to the accuracy of the account, in less then XXXX hours i was notified that the account was accurate, so that didn't seem reasonable investigation, and the furnisher of the account wasn't forwarded any information i sent the XXXX  to accurately determine or with any reasonable effort, determine if the debt belonged to me
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I previously notified Transunion that I am a victim of identity theft. transunion responded that they verified this fraudulent account as accurate. I do not agree with the response. I am stating that I am a victim of identity theft, the information listed on the FTC does not belong to me, and i have nothing to do with it.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank opened up a credit card in my name through XXXX XX/XX/XXXXcancelation fee for services and is charging me for late fees of a credit card when I didn't sign up for the credit card.
Consumer complaint received 2024-02-06
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota Motor Credit knowingly allowed me to qualify for both a new vehicle loan and new vehicle lease on the same day even though my income was couldve warranted credit denial.

Based on this deceptive business practice and willful disregard for ability to pay, my vehicle lease ended in repossession and deficiency balance being reported against me. 

I was XXXX  hospitalized and military XXXX XXXXXXXX and as XXXX, I also never received any notices from Toyota Motor Credit.
Consumer complaint received 2022-01-10
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (PA)

I spoke with XXXX on XX/XX/XXXX who refused to give me his ID number. He was advised that i refused to pay an alleged debt. He told me the debt is mine because he can see the balance owed/due and the last time it was paid. I advised that i am disputing the alleged. The company updated the status on their website to say this is not an attempt to collect a debt however on XX/XX/XXXX they removed {$390.00} from my checking account without my permission.
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

Wells fargo has allowed XXXX XXXX to harass me and my son along with XXXX XXXX. They would give good car loan deals with their friends. But she doesn't want me to have anything. This is the type of employees they have working for them. XXXX has stalked me had her renters follow me around and stalk me I don't know if they are employees at wells fargo. But I do have dash cams in my car along with house cams that record everything on my property and my door bell camera to show the police when I leave they leave. XXXX XXXX keeps falsely accusing me of harassing her, while I was at the back around XX/XX/2015. I didn't run into her the whole week I was at the XXXX XXXX branch in XXXX XXXX. But I know now this was all a set up for them to have me arrested at the bank because how come I never saw her at the bank the 1st day. This was why my online account was compromised because I was being set up by wells fargo and XXXX XXXX to get rid of me as a customer. This was down right criminal what XXXX XXXX, and the other employees who ever was involved with her to do this against me. This was a low down dirty thing to do someone. Wells fargo chose to go along with her that makes them just as responsible for my pain and suffering. I just couldn't believe this was happening to me a neighbor who is a manager at a bank, using their position to get the police against me. I wasn't treated fairly. I don't feel my life should be ruined. Wells fargo should be aware what type of employees they have working for them and what they are doing to their customers. Wells fargo feels the same way they didn't want me as their customer anymore. But it wasn't until XXXX XXXX falsely accused me of harassing her while I was at the bank. They refused to settle for the pain and suffering and mental anguish XXXX XXXX has caused me and my son. Then for her to have her renters follow me harassing me is a new low for XXXX XXXX. I feel betrayed by wells fargo for what they did to me. I never wanted to have a checking account with them in the first place. But I was forced by one of their employees at the XXXX wells fargo in XXXX XXXX al. XXXX XXXX who then made fun of my sons facial features. XXXX XXXX wasn't fair to me at all he didn't investigate XXXX XXXX accusations against me he rushed to to judgement and refused to listen to my side of the story like wells fargo didn't. I never harassed XXXX XXXX.