davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (IN)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2021-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

Amex is offering a promotion : " Starting from the time you enroll through XX/XX/2021 ( Purchase Period ), you will earn one {$15.00} statement credit each month after spending {$15.00} or more in combined eligible purchases of monthly wireless telephone services ( e.g. monthly service charges for your cellular phone ) purchased directly from U.S. service providers with your Delta SkyMiles Platinum Business American Express Card, during the Purchase Period, up to a total of {$160.00} in statement credits. '' I've put my monthly cell phone bill from XXXX XXXX on my Delta Platinum Business Amex card. XXXX XXXX  is the wireless service provider from XXXX ; see XXXX XXXX XXXXXXXX/about/ However, the XXXX XXXX/month statement credit did not post to my account. I opened a case with Amex ; case # XXXX. Amex states : " As per the investigation details, Your transaction against merchant XXXXXXXX XXXX  XXXX PAYMENT with merchant number XXXX does NOT qualify because it is a XXXX XXXX transaction and it is not considered to be its own standalone wireless service/provider because it is operated by XXXX, XXXX, and XXXX XXXX XXXX '' However, this is not true. XXXX is its own company, and XXXX XXXX is its own wireless service provider ; XXXX is not owned nor operated by XXXX, XXXX or XXXXXXXX XXXX
Consumer complaint received 2017-10-15
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. (IN)

I have once again unsuccessfully been able to have my payments show posted on all three credit bureaus with XXXX after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by XXXX as of XXXX XXXX for my XXXX loan. I have also asked for my FICA score to be reversed due to XXXX not submitting payments made since XXXX XXXX after cashing checks with my XXXX loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-02-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting this on my behalf without any third parties. I am a victim of identity theft, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days. TRANSUNION website is denying me from submitting disputes online when I didnt give my consent for this account, XXXX XXXX XXXX, to be furnished in the first place. Any person, which includes an organization, who willfully and knowingly obtains information on a consumer, like me, from another consumer reporting agency, without the written instructions or authorization pursuant to 15 U.S.C. 1681b, is information obtained under false pretenses. You have no lawful authority, this is a crime under title 18, and fines are described in 18 U.S.C. 3571.
Consumer complaint received 2017-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: REGIONS FINANCIAL CORPORATION (TX)

I am a victim of identity theft. I have previously disputed these accounts opened in my name without my authorization. I have previously supplied Regions Bank through the CFPB website a copy of my lease showing that I did not live at the address used to open these accounts. These accounts were opened online due to fraud. Regions requested I send in a copy of the FTC Fraud Affidavit I have on file. I have attached a copy of that as well as correspondence between other financial institutions that have researched this identity theft and found it to be valid. I encourage Regions to reach out to the other banks to verify their investigations found I was not liable for these accounts as they were not opened by me.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OLD NATIONAL BANCORP (MI)

My mother is a joint account holder on this account. She had a check stolen from a post office during a well documented drop box break-in event at XXXX, OK. A few other dozen checks were stolen at the same time ( XXXX ). The check was washed with a different recipient and dollar amount ( {$7500.00} ), then cashed on XXXX. We discovered the check fraud during our statement review in early XXXX, XXXX. We promptly contacted Old National Bank ( ONB ) where our checking account resides on XXXX. We then submitted to ONB the requested affidavit along with the police report #, including the letter from the postal service indicating the postal crime and check fraud that occurred. We started inquiring of ONB about reimbursement to our account soon afterwards. In early XXXX, we were told that it takes a while to work through these issues, to be patient, and check back in about 90 days. I contacted ONB on XXXX asking about an update for reimbursement. I was put in contact with the local bank 's branch manager and expressed my concern that I had no evidence or assurance that reimbursement of our account was being pursued. On XXXX, I received an email from the manager indicating that compliance, legal, and senior executives had met to discuss our case and that they would not provide any provisional or permanent credit to our account until they hear back from XXXX  XXXX XXXX ( the bank that received the altered check ). 
In my discussions with other banks and credit unions that we do business with, it is a standard practice for the victim 's bank to provide reimbursement while pursuing the other bank that received the fraudulent check.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have tried to communicate with this company since last XXXX. I have sent letter after letter after letter. Ive never filed for bankruptcy they continue to report this false information. XXXX fact they are the only company doing so, XXXX and XXXX are not reporting this fraud information but Experian is. I do have an lawyer and have filed a lawsuit against Experian.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo closed my credit card account without giving me notice. The credit card was current with no late payments. It had a XXXX balance, I have 3 other accounts including a paid in full car loan, another card paid in full. 

Their reason was that 12 years ago I had a late pay. It was not an issue when they issued me the card. Another reason given was that my cash accounts ( checking & saving ) did not have high enough balance. I have over XXXX in savings in other banks. 

Their reasons are not legitimate -it also caused my fico score to drop because my avail credit dropped!!!!
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

hard inquiries were fraudulently added to my credit report..These are not my inquiries XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXXXXXX XXXX Acceptance XXXX Service XXXX XXXX Bank XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Also remove XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX PXXXX XXXX  XX/XX/XXXX ..Rent Recovery was settled in Civil Court my security deposit was kept
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (WA)

Had Wells Fargo do an investigation into fraud on my account, To find out they never really did an investigation and made a no fraud was valid response due to the Agents Personal feeling about what happened. 

Due to Wells Fargo negligence I am out of more then XXXXXXXX XXXX
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please be advised that as of ( XX/XX/2022 ) as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. 

PLEASE SEE ATTACHED.
Consumer complaint received 2017-10-15
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

I have once again unsuccessfully been able to have my payments show posted on all three credit bureaus with USAA/Nationstar after over 300 hours on the phone, with phone records I have kept and now two complaints to have payments posted as reflect with bank statement showing date on all checks cashed by USAA/XXXX as of XXXX XXXX for my XXXX loan. I have also asked for my FICA score to be reversed due to USAA/XXXX not submitting payments made since XXXX XXXX after cashing checks with my XXXX loan. Which has also negatively affected my credit score. I am now asking for this important matter to be reopened due to printing out all three credit bureau reports as of yesterday showing payments still not being shown as made and credit score reversed. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-03-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (GA)

I had a BMW 640i on a 36 month lease term with BMW Financial Services as the first payment on XXXX/XXXX/XXXX following by 35 payments due on the XXXX day of each month. 
On XXXX/XXXX/XXXX, I traded in the car and leased a new car from the XXXX BMW XXXX ( a BMW dealer ). The BMW dealer told me that they will take care of all the paper work with the BMW Financial Services and pay off the remaining balance for the car. 
A few days later, I notice that another {$860.00} monthly lease payment was deducted from my bank account on the car I already traded in. I discussed with the BMW dealer and was informed that either the BMW dealer or the BMW Financial Services will refund me the payment in 6 weeks. 
After XXXX months, this has n't been resolved. I wrote a letter to the BMW Financial Services to state the situation of the transaction and I should not pay for XX/XX/XXXX since I did n't own or have no possession or usage. The BMW Financial Services informed me that the {$860.00} monthly payment was withdrawn through electronic auto pay on XXXX/XXXX/XXXX, and dealer payoff statement already included this payment. They indicated that there was no refund since there was no overage in the account which was already paid off and closed. They told me to discuss with the dealer as this was between me and the dealership. 
It is now XXXX XXXX, after numerous email and phone communications with the BMW dealer and the BMW Financial Services, both of them denied to refund my payment. 
It is very clear that the BMW Financial Services withdrew the {$860.00} monthly payment on XXXX/XXXX/XXXX while I traded in the car on the same day and the BMW dealer was the new owner from XXXX/XXXX/XXXX and after. Since I have informed the BMW Financial Services these facts, the BMW Financial Services should correct the payoff to reflect the proper ownership of the car and refund me the payment.
Consumer complaint received 2018-03-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

XXXX contacted me via mail and phone. They say I have a pst due debt from XXXX XXXX XXXX XXXX ( never received a bill from this particular company -- XXXX it and it does not exist -- first red flag ). The bill was allegedly from my hospital visit back in XX/XX/2017,  which all but one bill from that hospital visit has been paid in full. 
I have researched this business and it seems to be a scam. They called me as well, the lady was extremely aggressive and wanted me to give identifying information about myself so that they could open my account. I told her I would not be giving identifying information about myself because I believed this was a scam. The woman then yelled at me and then hung up.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

I have been trying for over a year to get my credit report from all  XXXX  credit bureaus. I keep sending them the information to obtain  XXXX , my current address, my driver 's license, my social, and other information and I keep getting letters stating they are unable to process because they want the same information all over. I have even sent them mail from the united states postal and the courts and they still keep sending me the same rejection letter. I have also sent information to you and others regarding disputes on my credit that needs to be removed and they keep sending me the same rejection letter.     And when they have sent me information it is in someone 's elses last name
Consumer complaint received 2022-08-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (TX)

An account was opened using my information with Truist Bank. I received a letter in the mail that was generated on XX/XX/2022 today ( XX/XX/2022 ). This letter indicates that the account that was set up in my name was overdrawn- {$41.00}. 

As of today, I have not contacted Truist Bank, so no action as been taken yet. However, I do plan on filing a police report and contacting the bank regarding this issue.
Consumer complaint received 2017-10-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted XXXX about several accounts on my report via phone and mail and they continue to send a report that states the information is certified to be valid yet I have requested them to provide proof of the accounts that I am disputing several times ... 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They also stated they will no longer investigate ; however, they are failing to provide how these debts are valid. I have stated to them that a letter stating that the debt is valid is not verifiable proof ; however, I was informed they can not make a creditor send any information and that as long as the accounts match my social then that is considered as valid debt. 

I have sent over 10 certified letters and made numerous calls and they have yet to provide me with an explanation or update my reports. They also stated they do not have to reply within 30 days in they choose not to investigate negative items on my behalf.
Consumer complaint received 2018-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

XXXX, XXXX, XXXX, and XXXX have refused to remove these credit inquiries from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX XXXX XXXXXXXX veteran very difficult.
Consumer complaint received 2017-10-15
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. (TX)

Equifax did a sloppy job investigating. They did not even investigate my claim. This inquiry has been deleted off my credit report from the other two credit bureaus due to inaccurate information. This third-party agency has failed to provide information. All they will provide is one letter is not even in telling that I was late or providing any any information about my account they will not provide me any verification or validation of account so at this point then everything should have been deleted from my credit report Equifax has failed to remove this information for my credit report I 'm asking this to be investigated thoroughly. I have requested a previous investigation with y'all with this company and also with original company XXXX XXXX XXXX XXXX will not respond back to my request or will not provide me any information regarding this account also. So they 're not able to validate or verify the account so it must be taken off my credit report.
Consumer complaint received 2024-02-17
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. (PA)

I have made several attempts Im trying to get these fraudulent accounts off of my credit report. I have never even applied for credit anywhere. I didnt push as hard as I should have push to get them off however, I just XXXX XXXX XXXX and now my future is more important to me. I am asking that you really take a serious look really really do some serious investigation in these portal in accounts because they are definitely not mine, which includes.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even though this one is a XXXX balance, it still does not belong to me, XXXX This one also has a XXXX balance, but it also does not belong to me I am really trying to get my life together and this I mean these fraudulent accounts are really holding me back and I am in dire need of help
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (TN)

I, the consumer and natural person, was denied credit by TD BANK, N.A when I applied for an account with XXXX XXXX XXXX XXXX XXXX XXXX 
According to the Equal Credit Opportunity Act adverse action against a consumer is against the law which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k.

Due to the response I received by TD BANK, N.A they are subject to criminal liability for violating 15 USC as I have proof that I was discriminated against due to the response I received ( see attached correspondence from TD BANK, N.A dated XX/XX/2023-Exhibit A ). 
TD BANK, N.A is in violation of 15 USC 1642, 15 USC 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Furthermore, because my social security number which according to 15 USC 1602 ( l ) is defined as a credit card was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of TD BANK , N.A . 
I mailed correspondence to TD BANK, N.A via Certified Mail # XXXX XXXX XXXX XXXX XXXX ( see attached ) in an attempt to remedy the situation ; and in return received a frivolous response dated XX/XX/2023 ( see attached ).
Consumer complaint received 2017-07-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (AL)

I obtained a pa yday loan through Quick Credit in   XXXX , Alabama, recently things went badly for me, and my husband of 6 years left me and my  XXXX  children. Though I do work full time I am struggling to pay off debt. I contacted a debt consolidation company over a month ago, to help me consolidate all my credit cards and loans in to 1 single  payment a month fit for my income, and they will take th e 1st payment   XXXX   XXXX   2017, Quick Credit has called my phone, my job, friends and family relentlessly!!   They harass me on a daily basis!! I told them about me going through the debt consolidation place and they got very very nasty, saying they are n't participating in this program, and demandin g Money NOW!! I owe them over {$780.00} and the debt consolidation place is going to send them a propos al a week prior  to  XX/XX/XXXX , stating they  will pay them   XXXX   XXXX   monthly!! But as I said they state they are n't participating and constantly harassing me!! I do n't know what else to Do!  XXXX   XXXX   XXXX  the debt consolidation place referred me to reporting them here!