davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-04
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: DISCOVER BANK (AZ)

In early XXXX, my daughter called me and told me that my ex-husband had left and was not picking up his phone. I went and picked her up and we tried to find him. At that point, we received a 'suicide ' note from him. In the note, he claimed that he had taken a loan out in my son 's name. We immediately filed both a missing person 's report with XXXX XXXX PD and a police report for identity theft against my ex-husband with XXXX XXXX, AZ PD. My son and I promptly checked our credit reports. My son found a loan for XXXX dollars from XXXX  XXXX, and I found several credit cards under my name that were maxed out that I never knew about, and he neglected to mention when we divorced. I cancelled as many of the cards as I could ( because I was only an Authorized User ), but two of the  companies ( XXXX and XXXX XXXX ) have refused to even contact the police officer assigned to the case. XXXX  XXXX, on the other hand, has cleared the loan from my son 's name, and they stayed in communication with the officer on the case. 

XXXX was communicative with us up until recently. Last month, they asked us to mail and fax them a copy of the police report from the police station we filed it at. We mailed AND faxed them a copy. We called a few days later to confirm, but nobody could tell us anything. We checked in again, and now they are telling us that they never received it and they require us to go to the police, have the officer call them, and submit the report even though just a month ago they said otherwise. Moreover, XXXX refuses to give us a copy of the transaction history. I have no way to access the transaction history of the card because I don't know any of the login information. I can not dispute the payments made on the card because they won't give me a copy. 

XXXX has led us back and forth on this fraud claim even when we have tried to be diligent in our response.
Consumer complaint received 2021-04-12
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: Bread Financial Holdings, Inc. (TX)

The charges on my XXXX XXXX card were made by a dishonest employee at the store. The store manager stated that he would credit the charges and never did. I have been making the payments to protect my credit but the charges are fraud and are not mine and the company has failed to correct this issue
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

My mortgage was sold from Wells Fargo to XXXX in XX/XX/XXXX Wells fargo will not provide me with a record of the ground rent payments of {$54.00} that was deducted from my escrow unless I ask for a release of information. This should be released to my new loan servicer which is with XXXX  automatically. 
Release of information request must be sent to fax # XXXX. Spoke with XXXX  ID # XXXX  with Wells Fargo ground rent was paid to XXXX XXXX XXXX which changed their name to XXXX However when I spoke to them XX/XX/XXXX they indicated Wells Fargo paid them on XX/XX/XXXX. I am no longer with Wells Fargo and I need a record of all payments. 
The total to pay the ground rent pay off is {$1800.00}. I have been paying for years and without my consent paid out of my escrow. I need a record of my signature and the total payments over the years. I spoke with XXXX ID # XXXX with XXXX XXXX and she will send the statements to my address per my request as of today. XX/XX/XXXX. 

Let me know if Wells Fargo were authorized to take payment IN FEE for the ground rent or not..
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (WA)

XXXX lowered my available credit from {$10000.00} to {$1000.00}. I have never missed a payment. I had a XXXX balance on the card when they did it. My household income has not changed. After they lowered my available balance my credit score dropped about 50 points. A few months later On XX/XX/2020 Chase Bank lowered the available balance on my Slate card from {$11000.00} to {$500.00}. They also lowered my Freedom card from {$20000.00} available credit to {$500.00}!!! Again I've never missed a payment on any Chase card. I had a XXXX balance on both cards and my household income has not changed. By next month my credit score will be in the basement. I always use my credit responsibly. I always make my payments. Furthermore I was not notified by either company ahead of time. I was given no notice at all.
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (CA)

ACIMA CREDIT XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX the company said I owe them the amount of {$2000.00} dollar. They just put it on my credit report with out a notice or chance to dispute the debt. The collection has been reported as charge-Off. this company does not have contract with my signature
Consumer complaint received 2024-03-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX  Account Number XXXX Dear XXXX XXXX XXXX, I am writing to dispute the debt collection notice I received from your company dated XX/XX/2023. According to the notice, I owe {$630.00} to XXXX XXXX. However, I am disputing this debt for the following reason ( s ) : XXXX XXXX XXXX is violating your consumer rights by using false misleading, misrepresentation and deceptive means. XXXX XXXX XXXX has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) I was XXXX at the time the account was open In support of my dispute, I am attaching the following documentation : Letter Of XXXX I request that you immediately investigate this matter and cease all collection activity until the dispute is resolved. Please provide me with written confirmation that my dispute has been received and is being investigated within 30 days, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I request the following information : The name, address, and phone number of the original creditor. A detailed breakdown of the charges and fees associated with this debt. Any evidence you have that I am legally obligated to pay this debt. Please be aware that if you fail to validate the debt or continue collection activity after receiving this dispute, I may pursue legal action against your company. Thank you for your time and attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently obtained my credit report and there are fraudulent inquiries and when I called them the issue wasnt addressed. Transunion responded and said they will look into it, I called a week later to see why they didnt remove them the agent refused again but did take the names and date of the companies on my report that I said were fraudulent. These inquires need to be removed and the inquires that are question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-12
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. (TN)

Account Name : XXXX  XXXX Account No. XXXX Balance : {$0.00} This is a formal complaint against XXXX, XXXX, and TransUnion. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

I have disputed this account for the fifth time and I still don't see this account being corrected or straightened out after my attempts to fix this inaccurate reporting. I have already paid for this account for the amount settled with the creditor yet, I still see the comments being inaccurate. One bureau is saying one thing and the other bureaus are saying different than the other. The account rating in XXXX  is still saying " Derogatory ''. I just want this to be corrected and resolved and if they can't do that, they might as well remove this account from my report.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX allowed someone to open up a charge account under my credit management, I found this on the XXXX report. I live in XXXX MN and have for decades. I have never been to XXXX XXXX, nor have I ever had a XXXX XXXX  credit card or credit balance, through XXXX XXXX or any other services. this amount is in credit of {$25000.00} the account number is ending in XXXX. If this could be taken care of I would be grateful. I do believe this may lead back to a person that is also using possible aliases like XXXX XXXX ( XXXX ) and XXXX XXXX, thru XXXX emails systems ; aka XXXX aka, XXXX. and the XXXX handle currently used on XXXX is XXXX in conjunction with the XXXX XXXX, and that was the name he gave me in the email letters that I have saved, his photos were the same as XXXX XXXX XXXX, I have the XXXX XXXX email also saved to my email, as twice now he has used aliases to solicit me through a relationship status for XXXXXXXX XXXXXXXX and it is a XXXXscam. I saw a news article written about XXXX XXXX and it had an author by the name of XXXX XXXX XXXX the guy claiming to be XXXX XXXX XXXXlso claims to be from XXXX South Carolina XXXX when he was using XXXX XXXX he claimed to be from Texas and claimed to work for XXXX industries as a XXXX XXXX representative. I have all the necessary info stored on my computer if you need more info like photos emails, addresses and such. thank you for looking into this matter.
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (GA)

on XX/XX/2020 I purchased a oven, stove, refrigerator, microwave, and dishwasher. Per my agreement I am to have these appliances delivered on XX/XX/2020. As of today my appliances have not been delivered. I reached out to Home Depot and the 3rd party service that was suppose to deliver these appliances. Home Depot delivery services claim that they tried to deliver the items however there was not a call placed nor did any driver try to make contact with me via ringing the doorbell. I called the delivery company and they advised me that they came back which is an absolute untruth. XXXX, from Home Depot delivery service then claimed that the drivers took pictures. I advised her to send me the pictures she wouldn't. As I continued to advise her that the drivers did not come by she was completely rude about it. I have paid {$4300.00} for these appliances to be delivered. I then asked XXXX for the name of the drivers she said she doesn ; t know although she was talking to them. I asked her what was the manager name she said she doesn't know ... the number that I spoke to XXXX on is XXXX. As I reviewed that phone number and complaints it seems as if Home Depot has done this alot. I just want my appliances as I have paid for them.
Consumer complaint received 2021-04-12
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. (FL)

I am applying for a mortgage loan. My lender has pulled my credit 3 times. Each time XXXX  and XXXX  scores show up no problem. But My Equifax credit score is missing. Equifax says there's nothing wrong but the loan company can not access my Equifax score and therefore can not move forward with my application. I've called 9 times in the past 2 weeks. I've wasted hours talking to representatives and getting no solution.
Consumer complaint received 2020-12-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Allied Collection Services, Inc. (Nevada) (NY)

Allied Collections Services has repeatedly ignored my requests to send out a pending balance letter. I can not confirm the amount owed with the vendor either as my bank ledger shows how much I have paid to the original vendor and to the collection 's agency and neither could verify the amount paid to them. Vendor is : Allied Collection Services ( on behalf of XXXX XXXX ) XXXX Phone number ( XXXX ) XXXX Get Directions XXXX XXXX XXXX XXXX , XXXX XXXX, NV XXXX
Consumer complaint received 2020-12-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (AZ)

In XXXX, two ( 2 ) payments were made in the amount of {$2000.00} and {$400.00}. The payment amounts should have been applied to a balance subject to interest rate of {$430.00} that expired on XX/XX/XXXX however it was not. On the XXXX statements the full amount subject to the balance transfer offer 4 was added to standard purchase rate in the amount of {$1100.00} calculating an interest charge of {$13.00}. 

The allocation of payments should be to the balance transfer first in accordance with Regulation Z. This is an unfair and deceptive practice. I want the {$13.00} and any other interest charged in XXXX having to do with the balance transfer offer 4 that should have been paid off credit to my account. The only interest I should be paying is the .99 % balance transfer that expires on XX/XX/XXXX and any purchases made.
Consumer complaint received 2021-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I am presenting documentation that clearly and indisputably established that Wells Fargo acted in an Intentional Misrepresentation and Omission of Material Facts in order to deny a claim for theft. 

I am hereby attaching information and supporting documents that will establish my claim against the actions of Wells Fargo. 

Please see the attached .pdf files.
Consumer complaint received 2021-05-24
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: Security Credit Services, LLC (FL)

I have a collections account on my credit report for {$840.00} that I have absolutely no knowledge of, this is not my debt. The company that placed this collections account on my credit report will not return my calls, and I have no way of getting it removed, it has greatly impacted my credit. I have tried unsuccessfully to dispute it.
Consumer complaint received 2022-04-26
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. (WI)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXX  XXXX 15 U.S.SC 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-26
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. (FL)

I HAVE SENT IN DOCS COPIES OF CREDIT REPORTS SHOWING INFORMATION ON ALL THREE CREDIT BUREAUS SHOWING 3 DIFFERENT THINGS AND THE CREDIT BUREAU REFUSE TO DELATE THE ACCOUNTS THAT ARE REPORTING INCORRECTLY.
Consumer complaint received 2021-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Lost my lic. and birth certificate and checked my credit report and noticed that there were so many changes that I did not make. There are two names that are not mine, the report says that I am retired, I work full time. Numerous accounts are taken out and that is negative.
Consumer complaint received 2021-08-21
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. (CT)

Lost my lic. and birth certificate and checked my credit report and noticed that there were so many changes that I did not make. There are two names that are not mine, the report says that I am retired, I work full time. Numerous accounts are taken out and that is negative.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (IL)

Firstly : Last month my XXXX Credit Card was shut off and in limbo for several days. Calling anyone was worthless.

Syncrony is their bank.

Issued a new card. Now as usual I can not pay a monthly bill by phone ...

Due to a one eyed one eared computer on auto pilot. Which wastes all my time every time I call. Voice or number prompts are useless. A whitewash of service gone completely wild.
Consumer complaint received 2021-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (VA)

This letter is regarding account # XXXX, which you claim my account was late 1 time. My Credit Card with a balance of {$250.00} account was NEVER LATE and the status should be CURRENT. It is reporting incorrectly on all 3 Credit Bureaus ( XXXX, XXXX  and XXXX  ). This account should not have ANY late payments AT ALL. I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX