davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (CA)

There is an account on my credit report that does not belong to me and has been open for months. It was not opened by me or authorized by me at all and i need to get this inaccurate information off my credit report. This account was opened in my name and has been verified by the creditor that it is not mine and my identity can not be confirmed in their system. This account from XXXX is not my account and has been negatively affecting my credit report. The account number is XXXX.
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Every 30 days since XX/XX/2021 I have written to the bureau advising them that my personal information is incorrect but they still have not made the corrections. With every letter I include my GA state ID and my social security card as proof that : My name is XXXX XXXX XXXX. Any other variation of my name is unknown and unless it can be verified should be removed. My only address is XXXX XXXX XXXX XXXX, GA XXXX. Any other address is unknown and unless it can be verified should be removed.
Consumer complaint received 2021-02-05
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. (AZ)

The very same day I send a complaint to cfpb my score with equifax drops significantly! No explanation no alerts even though I do have a membership. How on earth does it make sense just so happen the same day my scores drops 69 points while all my other scores are rising. How is there a 123!!!!! Point difference in my other two scores. Please make it make sense Im so tired. Ive been barreling these mistakes from my past for years waiting, paying, crying. Nothing helps because of things like this. Is it even possible to recover Ive searched high and low on how to fix things I have 1 % credit card ratio, on time payments on 17 accounts continually reporting. Paid installment loans like where does it give where where where?
Consumer complaint received 2022-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

My ex-business partner opened up this account and went into default without me knowing... 

This situation has had a severe negative impact on my credit score and my ability to obtain credit to refinance my house or lease or finance a new vehicle. Since XXXX, Ive had nearly perfect credit. I never missed or made late payments. I worked hard to take my credit score from XXXX to all the way over 800 this past winter. 

Unfortunately, due to circumstances beyond my control, my credit score has dropped below 650. I had a previous business, XXXX XXXX, in which my ex-partner knowingly used credit cards that were in the business name, but had me as the primary account holder. He ran up the credit on this Chase Ink Card ending in XXXX to a balance of over {$41000.00}. 

I learned of this situation when I started receiving phone calls from Chase. I did not have the necessary resources to eliminate the outstanding debt at the time, so I decided to hire an attorney to sue my former business partner. Enclosed is a copy of the legal documents. 

After months of negotiation with his attorney, we finally reached a settlement agreement ( also enclosed for your review ) and he proceeded to pay off the balances on this account, as per the terms of the agreement, during the week of XX/XX/XXXX. 

Unfortunately, this occurred a few months too late since the late payments were already reported to all credit agencies, which had a severe negative effect on my credit score. This is true even though I attempted to explain the situation to the credit card companies and sent them copies of the litigation documents and settlement agreement. 

Respectfully, I am writing to ask you to please review my entire credit history and make your decision based on its totality plus the information I provided above and the enclosed documents. 

The fact is I had a nearly perfect credit score until this situation, which was beyond my control, occurred. My bills are always paid on time, and balances are paid in full, including my personal and business XXXX XXXX and Chase Ink cards. 

I am a family man and work as a XXXX  in XXXX. I work very hard to keep my credit as perfect as can be. My biggest fault is that I trusted my old business partner who is also a relative, a mistake I will not make again in the future. I believe this blemish should be removed from my record and my excellent credit score should be reinstated. 

Thank you for your prompt consideration, as it continues to severely impact the life of me and my family.
Consumer complaint received 2021-06-24
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX 
After having asked for verification of the debt, that was never provided the third party debt collector changed the comment to say that it has been assigned to an attorney. This is a threat of legal action that they can not take or intend to take. This is a clear violation of the fair debt collection practices act, and they must be blocked from further credit reporting immediately and indefinitely. Cease all collection attempts including but not limited to credit reporting. Have a nice day.
Consumer complaint received 2022-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

A check was mobile deposited into my account on XX/XX/2022, not sure of the exact date. I went to access my account on XX/XX/2022, and my account was locked. I called the bank to see why and they said I deposited a bad check. I told the representative I haven't made a mobile deposit. I have never made a mobile deposit as long as I had this account. My work deposits are still frozen and no one has given me any answers except they are investigating. Meanwhile, I have bills, children, grandchildren, and family. My rent is due on the 1st of the month considered late on the XXXX. Today is XX/XX/2022. The local branch has been giving me a hard time with no answers. This is a setback for me and I'm the victim. That's just like you get shot but I'm the one bleeding. This isn't fair at all. I didn't do this. I don't even know how to do a mobile deposit furthermore I don't even know what the check says. My direct deposit is not even attached to the accounts they hacked. This doesn't make sense at all. I have to suffer for someone else behavior. Just give me my money I can bank somewhere else. They said I would receive an affidavit by email haven't received anything but a frozen account, bill collectors, the runaround, and no access to my money I worked for.
Consumer complaint received 2021-02-04
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. (NC)

I disputed an account that i found to fraudulent on my credit reports. The end result was the account was deleted/ removed from my XXXX report. I contacted the other ( 2 ) CRA, Equifax and XXXX and they have not removed the negative information. It is my understanding that the creditor reports the same information to all Credit Bureaus as expected under the FCRA, and i requested via phone and certified mail that this account be removed immediately.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-07-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XXXX XXXX, I received an email from Kohl 's, alerting me that my contact email address had been changed. There was a contact number where I could call if this was not a request I had initiated. I called, but what followed was over two hours of phone trees, endless hold times, and conversations to others who ultimately insisted I ignore it and that everything was fine. At one point, the gentleman who answered the call ( in another department ) could n't even verify that the address had been changed. 

I finally got to someone who informed me that a {$45.00} charge had been placed against my card, which I most definitely did not initiate, and it became evident to me that my account had been hacked and my privacy & identity had been compromised ( this was after the conversation with the man who had actually advised that I ignore the situation altogether ). Yet again, I tried to call -- this time their Fraud department -- but yet again, nobody was answering calls. I was unable to log in to the account online to dispute the charge, since my email address had been changed, so I had no options with respect to that, either. 

I was quite flustered, so I went up to an actual store location to simply close the card, in order to keep the fraudulent charges from coming in. Incredibly, at the store location itself, I was informed that I 'd have to call the corporate office to do so, which boggles my mind -- the account can be opened at the store, so why ca n't it be closed there, as well? 

At the end of this entire 3 hour fiasco, which now included a trip to a physical location, I have finally been able to successfully close my card, but I still have n't been able to contact anyone about the fraudulent charge, nor do I have any idea how many other fraudulent charges may be forthcoming, nor do I know the extent to which this possible case of identity theft has been extended.
Consumer complaint received 2020-08-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

I requested on XX/XX/2020 that Midland Credit Management provide me with competent evidence that I have any legal obligation to pay them, ie a contract with my signature, and as of XX/XX/2020 I have yet to receive a contract.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

In XXXX of XXXX I reviewed my credit report and was in shock and disbelief after discovering an auto loan account that was never mines and also appeared to be reporting inaccurate data or information. I've reached out to Experian several times since XX/XX/XXXX with disputes ranging from dispute letters, Identity theft affidavits and a police report as the Federal Trade Commission suggest when you've been a victim of identity fraud. Upon researching laws under the Fair Credit Report Act I also realized that this account had not been blocked as per section 605b states once a consumer notifies a bureau he or she has been a victim of identity theft. In addition, how can Experian currently be reporting this account 180 DAYS PAST DUE IF THE ACCOUNT WAS 120 DAYS PAST DUE IN XX/XX/XXXX?? THAT IS OBVIOUS INACCURTE INFORMATION AND GROUNDS FOR REMOVAL FROM MY CREDIT REPORT ALONE. Experian seems to have simply ignored my information ( Identity theft affidavit and Police Report ) since this account still appears on my credit file. I find these actions unjust and deliberate violation of the Fair Credit Reporting Act sections 609 and 611. After submitting all the necessary documents to support my claim, this account should not be reporting on my credit file period. I am well educated when it comes to consumer laws and rights of the FCRA and for Experian to attempt to accuse me of using a credit repair company would be not only false, but a deliberate refusal to honor my request. I am filing this complaint in attempt to try to resolve this matter
Consumer complaint received 2020-10-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MA)

1. Fay Servicing has no any signed agreement with us. 
2. Loan originator XXXX XXXX was supplied with hazard insurance before the closing XX/XX/2020. 
3. During the next 3 months this loan was transferred 3 times to the different companies. 4. Insurance was on place and nobody had any questions.

5. Fay Servicing tried to sell extra service with no ground.

6. Multiple disturbance by letters and harassment over the phone.

7. No availability to pay online.

8. Payment is taken over the phone and unsecured.

9. No COVID-19 available info, just sending to nowhere.

10. Totally unfair and deceptive practice to sell something more and expensive.

11. No responses for 3-4 times insurance policy sent and phone calls.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (NV)

Im not sure that you were the right agency but Im sure you can direct me to who I need to contact for over a year I have been trying to end an account with Wells Fargo advisors even submitted a XXXX complaint about Wells Fargo advisors solutions! They continue to bill me annually and have made it impossible to close my own my own account that Ive had with him for over a decade. They keep moving my advisor out of Nevada in two different states I have worn them for many years if they continue to do this Im going to close the account now they have refused giving me all sorts of runaround.
Consumer complaint received 2020-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I mailed a dispute letter with Transunion regarding accounts reporting on my credit report. I mailed the letter on XX/XX/2020 and my letter was received by them on XX/XX/2020. On XX/XX/2020, I mailed a 30 day no response letter and I have not received a response.
Consumer complaint received 2024-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

We purchase a company 2 years ago acquiring the XXXX number with the business. After purchasing the business, we uncovered fraud by the sellers and sued them. They countersued. We are currently in the early stages of litigation. Before and after the purchase the company is banked at Wells Fargo. Today, XX/XX/year> we received the attached letter from Wells Fargo that the opposing counsel had requested records and there were released as of XX/XX/year>. Our attorney was never notified by the opposing counsel of any subpoenas and there are no court records of them requesting or being granted such records. The request was made on XX/XX/year>. Wells Fargo mailed this notice to us on XX/XX/year> and we received the letter on XX/XX/year>, one day after Wells Fargo released ALL our banking information without our knowledge or permission.
Consumer complaint received 2017-12-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (VA)

Beginning approximately XXXX XXXX, 2017, I have been receiving harassing " robocalls '' calls TWICE DAILY by Penn Credit Corporation 's number XXXX for a person that has NEVER lived at my residence nor do I know the whereabouts of this person that they are calling for ( XXXX XXXX ).

They asked me to contact this person to ask her to contact them to discuss her debt-related issues with them. I am not legally responsible for this person 's debts and I am not legally permitted to discuss this person 's debts anyway since I am not related to this person. I do not know her whereabouts and this person has NEVER lived at my residence.

I have attempted to call them back but have not been able to get a live person and their automated menu does not allow me to ask for customer service to request that they cease and desist their robocalls because the person they are asking for does NOT live at my residence and I do not know the whereabouts of this person they are calling for.

They are now violating the Fair Debt Collection Protection Act ( FDCPA ) by : 1 ) Repeatedly calling daily when this person they are attempting to reach has never lived at my residence and I have no information as to the whereabouts of this person.

2 ) I am not party to the debt-related issues that Penn Credit is trying to discuss with this " XXXX XXXX '' as I am not related to this person whatsoever.
Consumer complaint received 2020-10-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (FL)

I have told them plenty of times that I never resided with my mother nor signed a lease. I was in XXXX XXXX FL around the time they stated this account was opened XX/XX/2016. I was still working for XXXX that was in XXXX FL. I advised them of this and still this is on my account no documentation or anything was sent to me. All i seen was my XXXX with this info on it
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was charged by mistake from the merchant, XXXX, without any provided services on XX/XX/XXXX. I never signed up for recurring charges. I contacted the merchant on XX/XX/XXXX, to cancel the service. I noticed the issue after a review of my bill. I contacted the merchant on XX/XX/XXXX, and the merchant agreed that it was in error. The merchant explained that they are not able to issue a refund for charges of {$240.00} on XX/XX/XXXX, and XXXX on XX/XX/XXXX, because they changed their merchant services to a different one since the charges were made. They advised that I make a credit card dispute for a chargeback to get a full refund. My credit card company, Capital One, asked me for more information about the charge. I completed their questionnaire and mailed it to them. They never received it and closed my case. I called Capital One afterwards and explained that they should have received my questionnaire. Capital One emailed a link for me to upload my questionnaire and reopen the case. I submitted the information to Capital one via their emailed link. Afterwards, Capital One denied my claim for full refund for the charge on XX/XX/XXXX, because they told me that it was over 180 days. The other charge on XX/XX/XXXX, is still being reviewed by Capital One. The charges are fraudulent and in error. The merchant wants to issue a refund, but they are not able to. I submitted evidence to Capital One of my cancellation of the service on XX/XX/XXXX, and the merchant 's agreement to issue a refund, but not being able to on XX/XX/XXXX. Capital One has the only access to the VISA dispute process to allow for a refund and they are unwilling to cooperate.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

Fri, XX/XX/XXXX at XXXX PM Account Holder : XXXX XXXX Account Ending In : XXXX Dear XXXX XXXX, As a reminder, please visit your Apple Pay wallet to complete activation of your Citibank Debit Card in your mobile device Additional verification is still needed to complete activation of your Citibank Debit Card in Apple Pay. 

Call us right away if you did't request your card be added to XXXX XXXX XXXX you did not ask for this debit card to be added to XXXX XXXX, or if you need help completing your card activation, please call XXXX ( TTY XXXX ) right away. 

We hope to hear from you soon Thanks for the opportunity to serve you. 

2021 Citibank , N.A . Member FDIC. Citi, Citi and XXXX XXXX and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world. All rights reserved. 

XXXX XXXX is a trademark of XXXX XXXX, registered in the U.S. and other countries.