davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
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. (TX)

Experian is violating my right of having a credit freeze added to my credit file maintained by them in a timely manner pursuant the The Economic Growth, Regulatory Relief, and Consumer Protection Act. I was able to add such a freeze to my credit files maintained by XXXX in less than an hour, and I expect the same from Experian. 

I tried adding a freeze to my Experian credit file but once I finish filling out the form the website tells me Experian is unable to 'honor " my credit freeze and asks me to send in multiple documents including a police report showing I had reported fraud which doesn't even apply to me ( I have attached a screen shot of this screen ). 

On the same website, it also tells me that I have the right to request a credit freeze by phone stating, " If you wish to use one of our fraud prevention services, such as add or remove a fraud alert or security freeze, you can do so by visiting experian.com/help, calling XXXX XXXX XXXX  ''. When I try calling XXXX, an automated prompt answers the line and does not give me the option to request such a freeze and I believe such to be a deceptive trade practice as a consumer in the state of Texas XXXX I made an audio recording of these calls and will provide them if requested. 

I am making this complaint because I intend to bring a civil action if this does not prove effective in exercising my right to having a credit freeze added to my Experian credit file in a timely manner and in a manner compliant with laws intended to protect the rights of consumers.
Consumer complaint received 2021-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management (OH)

Notice for Proof of Claim Account : KEYBRIDGE # XXXX To Whom it mayConcern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

I received a credit card statement from BankAmericard mailed to my home for a card that I do NOT have and NEVER have had. I have called them and written directly to BankAmericard without any success in resolving this issue.
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P. (NV)

LVNV Fubding LLC Has been sending me collection notices in the amount of {$870.00}. The collection has been reporting as a past due balance. I do not know this company. I have never done any business with this company. This company does NOT have a contract with my signature.
Consumer complaint received 2016-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I HAVE ALOT OF INQUIRIES ON REPORT THAT ARE NOT MINES NOR DID I AUTHORIZE. I HAVE also submitted XXXX for user accounts still on credit report. I ALSO HAVE SUBMITTED FTC ID REPORT FOR ITEMS THAT SHOULD BE DELETED. 

XXXX XXXX ACCOUNT SHOULD BE DELETED AS WELL SINCE COMPANY SOLD MY AGREEMENT.
Consumer complaint received 2022-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (NC)

CAVALRY PORTFOLIO SERV at XXXX XXXX XXXX XXXX, AZ XXXX has been sending me collection notices in the amount of {$7.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

What would you like done .... 

I would like them to take this off my credit report and do not try to put it back on my credit report.
Consumer complaint received 2022-02-04
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. (TN)

I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MA)

There is inaccurate data on my credit report which i would like to dispute. Experian does not except mail or telephone calls and has an online form. however when i enter my information it yields an error stating it can not locate my data. This happens several times when i dispute my report from experian. The other XXXX agencies go through fine. I am not looking for a copy of my report but disputing my report. How is it possible that they can get away with making the process impossible for you to repair your credit. What rights do consumers have if they can conduct business this way. The want me to pay money to dispute something on my credit report. This has to be illegal. 



Experian - A World of Insight We were unable to honor your request. If you entered your credit card information, we did not charge you. 

Sending us your information To receive your personal credit report by mail, please mail us this letter ( or the information in it ), along with one copy of a government issued identification card, such as a driver 's license, state ID card, etc., and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible, displays your name and current mailing address, and the date of issue ( statement dates must be recent ). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. 


Mail this form, along with payment ( if applicable ) to : Experian XXXX XXXX XXXX XXXX, TX XXXX [ ] Check here for overnight delivery and include an additional {$20.00} overnight processing fee. [ ] Check here to authorize delivery of overnight package without obtaining signature. 

Your identification information XXXX XXXX XXXX Social Security Number : ______________ XXXX XXXX XXXX Date of birth : XXXX/XXXX/XXXX XXXX MA XXXX Home telephone : XXXX Report number : N/A I am requesting : [ ] Free credit report due to declination or adverse action ( enclose a copy of the letter you received notifying you of that adverse action ). 

[ ] Free annual credit report. 

[ ] Free credit report based on my state 's law. 

[ ] To purchase my credit report. 

[ ] To obtain my free report with my promotional code : ( enter code ). 

[ ] Other ( please explain ) [ ] Check here if you are blind or visually impaired within the meaning of the Americans with Disabilities Act and can provide proof upon request, indicating that you are eligible to receive your credit report or score report in an alternate format such as Braille, Large Print or Audio CD. 
[ ] Braille [ ] Large Print [ ] Audio CD Write any comments below
Consumer complaint received 2019-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019 at XXXX I received email notifications from my Chase Bank checking account that indicated that multiple online wire transfers were made from my account. As I did not make any wire transfer myself and I spoke to my wife ( who is the joint holder of the account ) and got confirmation that she did make any transfer as well, I immediately called Chase Customer Service at XXXX ( XX/XX/XXXX ) and notified about the fraud activity and asked to stop/cancel the transactions. Customer service agent confirmed me that she immediately froze my account and the transactions will be cancelled and the money will be returned to my account. As to follow internal the procedure of Chase, she asked me to open a claim process which I did over the phone at the same time. However, after a long so-called investigation process, Chase denied my claim. I talked to chase representatives over the phone several times. I provided records to the alerts as well as my call logs with customer service. One of the  evidences indicates that the hackers changed my contact number in my account profile after they accessed to my account. But nothing changed the denial decision. Some supervisors were very rude over the phone and literally told me that Chase has nothing to do any more and I should try with external agencies. Now, the question is : 1. There were total 6 transactions made by the hackers who hacked my online account. Among the six, chase cancelled two transactions, but never canceled the other four. Chase is unable to answer why they did not take appropriate actions to stop other four transactions. Note that I informed them about the fraud activity in less than 30 minutes. 
2. Chase stopped 2 transaction based on my reporting on the fraudulent activity, how come they deny claim for other 4 transactions where I reported all of them as fraud transactions. All the six transactions were made to the same destination bank account. If Chase is convinced that two of them are fraud, then what is the logic that other fours are not? I believe that the investigation team is missing to see the whole event holistically and thus drawing a wrong conclusion. Or there might be mishandling of my fraud report and someone did not cancel the other transactions ; Chase is now trying cover that up. 
By doing this, Chase is making me to lose of a large fund of {$19000.00} and not taking any responsibility of its customers lose. The way chase is handling its customers case is total carelessness and lack of accountability which is not expected from a large Bank like Chase. 
I would like to request for a proper review and fair resolution of this case so that we get our money back.
Consumer complaint received 2016-03-09
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Partners Financial Services Inc (AR)

First a phone call and now letters stating that I owe them {$720.00} for a debt to XXXX University. Very rude on the phone stating I owe for tuition and demanding payment. I called XXXX University and they verified that I do n't owe them any money and they have never turned me in to any collection agency. The school also said they have had several students get calls from this company saying they owe money when they do n't. So this boils down to nothing more then a scam. This needs to be looked in to. the calls and letters are stating they will ruin my credit if I do n't pay them. I told them on the phone I do n't owe anything other then a federal student loan. They just keep sending letters. These kinds of scams need to be shut down. They are trying to prey on students trying to build credit and complete their education.
Consumer complaint received 2015-06-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern : My name is XXXX XXXX and my social security number is XXXX. 
My wallet were missing for sometimes. I had to go through a lot to get me and my XXXX granddaughters back our identity. It 's been awhile now but I had already gotten everything back then XXXX months later I received my wallet while we were in the XXXX. We have been in the XXXX system from XX/XX/XXXX to XX/XX/XXXX 
While I were in XXXX I had payed a lot of my bills off of my credit. Whe we came to XXXX XX/XX/XXXX my credit were okay. Now I 'm just getting an copy of my credit report and I see that I have other charges on my account like XXXX XXXX XXXX this account is played in full if this is from my landlord. I have stated to them to clean this account If you could please get him to send/ fax you something in writing that this account is played in full and remove it off of my credit report. 
2. XXXX XXXX XXXX XXXX - I have never ever applied for an XXXX credit card. I know this one is a lie. The account were opened in XX/XX/XXXX. 
I were working and living in XXXX. So I know that it were not me. This charge is really wrong. 
3.XXXX.opened on XX/XX/XXXX. For {$100.00} dollars. This were not me cause I were still living in the shelter and working XXXX days a week.please help me clear the matters on my credit report.
Consumer complaint received 2016-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Southwest Credit Systems, L.P. (MI)

Southwest Credit Systems representatives continued to call my cell phone after I asked them to stop. They then began to call from a different telephone number. After a few days of these annoying calls, I finally called them to advise them that I felt harassed and ask them AGAIN to stop. I spoke with an extremely rude manager ( XXXX XXXX ) who, after a heated argument in which I told him that it was illegal and that I was going to file a complaint, agreed to stop the calls.
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

This company refuses to provide a validation of debt and claims that the inaccurate reportings ( that was originally outlined in my report ) is not their fault, it inaccurate reportings are found. This collection agency is seeking payment for an account they have no proof belongs to me, an account with contradicting payment history such as payments reported as paid on one credit reporting agency while those same months are reported " missed '' on another. This is extremely predatory and against the law. Please investigate this. 

please look at the files attached for further context.
Consumer complaint received 2015-06-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (OH)

I have been trying to get a modification with US Bank since XXXX. I lost my XXXX job for 120 days in XX/XX/XXXX from XXXX. I tried to send a payment in XXXX and they informed me that i needed to send XXXX payments in so they sent that payment back. i had just went back to my XXXX job. i had also lost my daughters XXXX during the same time so that put me a huge financial bind. they denied me XXXX and gave me several different reasons. 
!. I wasnt unemployed long enough2. i wasnt unemployed at the end of themodification3. did not have enough money ration at the end of the month4. it hadnt been long enough between my last modifcation. I file dchapter XXXX bankruptcy so now my mortgage is going thru the courts which makes it extremly tight with my income and im the only person working in my house of XXXX. i sent in another application on XX/XX/XXXX and had not heard any correspondence from US Bank until XXXX when myself and the housing agency WIN spoke with them. they told me i was missing my tax transscript form and i asked them why wasnt i notified of this in XXXX when i sent in my inofrmation? They told me they could not answer that question. I have NEVER spoken to my relationship manqger at Us Bank regarless of the messages i have left for her. she has not corresponded wiht my lawyer or myself or my WIN agent and we have left several messages for her. Federal regualtions state a mortgage company has 30 DAYS to correspond with you and US Bank is not doing this at all. They told me i could not pay my mortge until i sent XXXX payments in after i was unemployed and told them i had just went back to work so how was i going to do that? So this put me further behind in my mortgage causing all this conflict in which i am going thru now. they sent me another letter on XX/XX/XXXX and stated that my check stub information was not clear in which i sent them. i sent over my information via fax and i malied them hard copies just in case they could not read the documentation and the documentation mailed in was very clear. i feel that they are giving me the runaround and not following federal regualtions to get back with the consumer within a certain amount of time concerning a modification. I dont feel that US Bank is doing their part as far as corresponding with the consumer, the consumers lawyers to rectify the situation that cant potentialy benefit the consumer and their family. a process that should take no longer than 45 days has taken over 4 months with no final outcome.
Consumer complaint received 2024-02-15
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. (NJ)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion, XXXX, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Movement Mortgage LLC (CA)

We closed on our loan XXXX/XXXX/XXXX. We have it in writing that we wanted to make bimonthly payments to save on interest over 30 years. Our loan provider Movement Mortgage ensured us again and again that it is simple to set up. On XXXX/XXXX/XXXX we received a letter from a different company XXXX stating that we no longer should pay Movement and that they are our new servicer. We were never notified of the transfer from Movement and we did not receive a bill from XXXX until I called them and asked for XXXX a few days before our first payment XXXX/XXXX/XXXX. XXXX does not offer bimonthly payments even thought at first they told me that they did. They have now confirmed in fact they do not. This is something I was looking forward to doing and saving money in the long term about {$40000.00}. Not only did Movement lead us on in saying they would provide great customer service and that bimonthly payments are easy to set up but they did not inform me ever of a new loan company. Movement did not return my email dated XXXX/XXXX/XXXX the same day I was informed by CENLAR that our loan was changing. They only emailed me a month later after I posted a negative Yelp review describing my experience so another customer doesnt make the same mistake I did. I have read that the selling loan company needs to inform the borrower well in advance before transferring a loan and I also think they should not lead customers on saying they will allow bimonthly payments when they are intending to sell the loan the same week it was closed on. I understand how mortgages are bought and sold all the time but this situation seems a little abnormal. I have it in writing from an email dated XXXX/XXXX/XXXX that when my first bill comes from Movement that I could set up bimonthly payments. I am sure that our loan was already in the process of being sold and it could have been an opportune time to inform me the buyer. I am going to look over my loan documents to find the percentage chance that they are going to sell my loan as well.
Consumer complaint received 2017-01-22
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been on hold for 1.5 housr trying to cancel my credit card. Thirty-five minutes into the call I did get connected to a representative only to be told that I must be connected to a " specialist '' in order to close the account. It has been an hour and a half and I am still on hold on the call.