davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-22
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
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. (NM)

The items listed below are reported on my personal credit file and were found in my reports with Equifax and XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX  XXXX Balance : {$700.00} ; XXXX XXXXXXXX Balance : {$440.00}.
Consumer complaint received 2023-06-22
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-06-22
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I recently joint XXXX for our local school and I received email from unknown sender XXXX ( I was accessing my XXXX gmail through my phone and I couldn't see the actual email address ), named as our XXXX president, demanding payment to a vendor, which I would be reimbursed later. I transferred {$1300.00} on XX/XX/XXXX and another {$2000.00} on XX/XX/XXXX through XXXX pay, before I realized it was a phishing email and the whole thing was a scam. 
I called Chase today XX/XX/XXXX @ XXXX. Chase 's answer is that they can't recover my money that has been transferred. The only thing they could do was to put a alert on this fraudulent XXXX account and hopefully prevent others being scammed.
Consumer complaint received 2023-06-22
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. (FL)

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 XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-22
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 have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense XXXX. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BlockFi Inc (MD)

XX/XX/22 I tried to transfer {$1000.00} XXXX funds back from BlockFi into my bank account. Its been pending since. XXXX. 

XX/XX/22 I tried to transfer {$38000.00} XXXX funds back from BlockFi into my bank account. Its been pending since. XXXX. 

XX/XX/22 I tried to transfer XXXX XXXX XXXX currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 I tried to transfer XXXX XXXX crypto currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 tried to transfer XXXX XXXX crypto currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 I tried to transfer XXXX ETH crypto currency from BlockFi to XXXX Its been pending since. XXXX. 

XX/XX/22 I tried to transfer {$450.00} XXXX funds back from BlockFi into my bank account. Its been pending since. XXXX. 

All transfers still mark as pending.
Consumer complaint received 2022-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McNeil & Meyers Asset Management Group, LLC (LA)

The {$220.00} debt is related to a XXXX, XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, ( XXXX ) XXXX ), who I previously saw for medical care, but stopped seeing in XXXX. In XX/XX/XXXX, I was admitted to an XXXX XXXX XXXX XXXX XXXX and I began seeing the XXXX XXXX XXXX at that facility. 

XXXX XXXX and I did not have a standing, recurring appointment arrangement. Every time I visited for an appointment, we would schedule the next appointment before I left the office. I cancelled my XX/XX/XXXX appointment because I was in rehab and seeing a XXXX XXXX. XXXX XXXX then booked ongoing appointments every 3 months for me in XXXX without my knowledge or consent. 

The {$220.00} debt, which has now been sold to a debt collection agency ( XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX Phone : ( XXXX ) XXXX ), is related to the appointments booked for me without my consent. I can not be charged fees for missing appointments that I did not schedule. 

I originally attempted to settle the issue with XXXX XXXX in XXXX, but the office refused to accept that I did not schedule the appointments and I do not owe the debts. I have since made 2 attempts to dispute XXXX 's report on my XXXX credit report, but XXXX and XXXX refuse to accept that I did not schedule the appointments and I do not owe the debt.
Consumer complaint received 2022-08-25
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. (PA)

THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE GRAMM-LEACH BILLEY ACT I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT
Consumer complaint received 2024-05-10
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TX)

I have a Sam 's Club Credit Card financed by Synchrony Bank. On or about XX/XX/XXXX I went to Sam 's Club to purchase some items and scanned them into the Sams Club app to pay for them and the sale was declined. So, I went to the customer service desk at Sam 's Club to find out what happened to my credit card. I was told that Synchrony Bank handles all credit transactions for my credit card and that I should call Synchrony Bank.

So, I called Synchrony Bank and asked why my credit card was declined. Synchrony Bank said that I had not paid my XX/XX/XXXX bill. I told them that that was not possible because I paid my bill in cash at Sam 's Club on XX/XX/XXXX. Synchrony Bank said that they did not receive my payment. They told me that I should send them a screenshot of my payment receipt. I told them that it was at home and that I am in Sam 's trying to make a purchase in the store right now. They said that I had to provide the receipt in order for them to prove that I made my payment. They talked to me as though I was a criminal!

Synchrony Bank cut my credit line in half based on a credit report that I have not seen yet. I don't have any credit problems. They are attempting to justify cutting my credit line for a payment that I made in cash at Sam 's Club on the due date and Sam 's transmitted to them on the same day. I believe that I was disrespected and discriminated against as an XXXX XXXX  man! Synchrony Bank would not have treated a white man in this manner!
Consumer complaint received 2022-07-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I pulled my credit report and saw this derogatory account reporting on my file. I have never done business with this company and need them off my credit report. I want to rent an apartment but I know the potential landlord will not rent to me with this account on my credit report. I wrote and email them a letter and have not receive a response as yet.
Consumer complaint received 2016-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (PA)

I received a call about a loan forgiveness program. I gave some information, but nothing too vital. The caller then hung up on me. I think it may have been a scammer. Not sure if they got what they wanted from me or not. The number was XXXX
Consumer complaint received 2022-07-14
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/XXXX I was alerted via credit monitoring ( XXXX ) that a Navy Federal Credit card account was reported to my credit report with the name XXXX XXXX XXXX XXXX They are reporting an inaccurate address that I've never been associated with that is connected to the fraud claim : XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. 

I HAVE A 7 YEAR FRAUD ALERT AND CREDIT FREEZE ON ALL XXXX CREDIT REPORTS. THE INACCURATE NAME AND MULTIPLE ACCOUNTS BELONGING TO THAT NAME CONTINUE TO POPULATE ON MY CREDIT REPORTS. 

I have never been associated with that name. My credit file has been merged due to identity theft dating back to XXXX. My credit file has been in the Special Handling Department of XXXX as well as XXXX and XXXX due to accounts being reported to my credit report with account owners that have a similar name. 
The account is reporting a late payment also that has prevented me from moving and I am facing homelessness. I'VE NEVER HAD A NAVY FEDERAL CREDIT CARD ACCOUNT. 

Navy federal customer service and supervisors have not aided in resolving this issue. I asked for a corporate contact to file a complaint and I was told that one does not exist.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

For the long ngest time I have been asking Bank of America to give me my account back. I even took time out on XX/XX/2024, to resolve this ongoing problem in person. XXXX XXXX at the XXXX, FL XXXX was the employee who confirmed I was/am the only person on my account. They do not have any other account under my identity. Her number is ( XXXX ) XXXX Bottom line, today, XXXX, is proof that the bank has me placing deposits and activities on accounts that reflect another name other than XXXX XXXX XXXX. My real account DOES NOT have overdraft protection. Therefore, it can NEVER be negative. If a transaction wants to go through and the funds are not there, it CAN NOT go through. So, how is it that my online account this morning reflected XXXX XXXX dollars? Whose account is this? It's not even my real FAKE account. Why is the bank doing this to me over and over and over?. XXXX and XXXX stole my XXXX account. I walked into the bank, requested a direct deposit form tied to the fake account they had me banking with. Now it seems XXXX from the XXXX wants that fake account and has me banking with her account that has overdraft protection? Is that how this now goes? 

I'm still being stuffed {$12000.00} every other Friday. CFPB Reference # : XXXX. XXXX Police XXXX # : XXXX. XXXX Ref # : XXXX FTC Ref # : XXXX. Now, since XXXX stole the retro amount of {$200000.00} the bank has me banking with her account? What type of kind of nonsense is that? 

In conclusion, please make the Bank act right with me. I don't have overdraft protection. The account is not mine. I can not continue to be disrespected this way. All over money that belongs to me. XXXX months of bank robbery. Direct deposit bank robbery. And here is proof that XXXX XXXX did NOT withdrawal {$25.00}. 

When will this all end? I went to XXXX XXXX, CA and XXXX stole the {$200000.00} retro money. Now she has me placing activities on " her '' account with whose permission? The Bank 's employees? 

Please have the bank give me back my account that has ZERO overdraft protection. And may I see my {$200000.00} retro money plus {$12000.00} kicking in " again '' this upcoming XX/XX/2024. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (PA)

I have disputed with XXXX XXXX which is a debt collection agency which is a third party collecting on behalf of XXXX XXXX XXXX with the following credit bureaus XXXX, XXXX, and Equifax. For the amount of XXXX. After I disputed the alleged debt it came back verified which I dont understand how they never sent me what I requested which was proof of existence of alleged debt, and the alleged original purchase agreement with the original creditor and signed by all parties involved never received anything I also sent XXXX a cease and desist letter on XX/XX/2024 and asked for the same information I received nothing for the past 6 months I have been disputing inaccuracy on my credit report of this alleged debt.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (CA)

I received a Bread reward offer letter with earn XXXX bonus points if spend {$1000.00} in the first 90 days. 

I apllied and received card but in different name " bread cashback '' instead of " bread rewards '' as it shows on letter Call customer support then the agent said it the same, no worry. 

After completed request from bread reward ( spend over {$1000.00} the first 90days ) but I did not received any one time reward ( {$200.00} ) from the company ( not like many orthers such as XXXX XXXX, XXXX, etc... ) Called support center and was asked waiting for next statement. However, nothing happent forever. 

Called in many time after that but the agents just loop me around.
Consumer complaint received 2023-04-05
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: Onity Group Inc. (NC)

XXXX XXXX C/O PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Tel XXXX Fax XXXX These companies & all their associates & all affiliates have repeatedly & knowingly ignored the incorrect balance on the mortgage, misappropriated escrow funds. Executed & enforced clear fraudulent mortgage loan documents with balloons of XXXX and another for XXXX, and another XXXX on a mortgage loan of XXXX in 2005. This is and has been grossly ignored and continues to use this fraudulent & forged & unsigned documents to fill their corrupt pockets. They continue to use different addresses, report negative pay history in the past.
Consumer complaint received 2020-05-24
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)

On XX/XX/XXXX, Transunion verbally agreed to remove XXXX XXXX Account all negative and collection accounts information from credit bureaus based on current XXXX Data Breach Settlement agreement. However, information has not been deleted. 

I sent a mailed certified letter 609 and 611 letter on XX/XX/XXXX. However, I have not received a response from Transunion. I was impacted by the XXXX  Data Breach and provided supporting documentation/signed contract for account showing XXXX XXXX on my account.
Consumer complaint received 2024-04-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Banks that issue general purpose credit cards defraud the public as follows : The banks charge extremely high credit card interest fees which is only one segment of this issue. 
Banks do not pay any form of interest however to credit card holders on overpayments or earned " cash back '' dollars that may be sitting in banks for long periods of time until the rewards are re-deemed. This is in fact simply more abuse by the banking system and it can be resolved easily. 
Remember I am only talking about earned rewards dollars that can ultimately be redeemed as cash from the bank. Generally speaking these are promotional incentives and sound like this, " Earn 3 percent back on all purchases '' or something similar. 
Certainly, banks should not have to pay interest such as what they charge for purchases however, they could pay the basic interest rate that is applicable for their savings account and this is in the range of 3-4 % these days. 
Thank you
Consumer complaint received 2024-05-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

In early 2023, I opened a Chase Business checking account for my real estate investment business at a Chase bank ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) and deposited a check for {$660.00} addressed to the business. I later flipped a house and was set to close escrow in XX/XX/2023 and asked for my funds to be deposited into the checking account but was alerted that the wire did not go through. After calling Chase, they told me my account was closed due to suspicion of fraud and would not go into detail besides saying the company had the right to do close any account for any reason. I accepted this and took my business elsewhere but they would not give me back my initial deposit. 

I have been to multiple branch locations and spoken to many customer service people on the phone weekly and have not received any new information or insight to when I will receive my initial deposit back. The only information they tell me is that an internal fraud team is investigating and there is no further escalation or way to contact them so they have essentially stolen my money for over 10 months.