davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (FL)

I was advised that XXXX XXXX provided strong enough service to supply my medical office and switch over from XXXX. The day the equipment arrived I plugged it in. I was only getting 25 MB a second when I was told I should be getting over 200. I called the company and return the equipment the very next day and received a refund and disconnect form from the store. Since then Ive got a numerous emails and telephone calls stating that I owe a balance of over {$250.00} for the services Ive used over the span of a month. Acknowledge equipment arrived to their facility and were aware that I was no longer using equipment and my service was disconnected, but still attempting to bill and collect. I just got a collection notice today from a company asked me to pay the remainder of the balance that I shouldnt owe because I never use the services. 

Ive talked to several XXXX employees, including XXXX, who said that they can see my account was disconnected, but not terminated, and as why Im being billed, even though I never use the service. After providing him the paperwork I received from the store and explaining the situation, he said he will put in a request to have the bill dropped And I shouldnt have to worry about it going forward. That was in XXXX and Im still getting collection notices for something I never even used.
Consumer complaint received 2024-01-20
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX CLOSED CREDIT CARD THIS ACCOUNT WAS SETTLED BUT IS HURTING MY CREDIT REPORT IT WAS SUPPOSED TO BE REMOVED IN EXCHANGE TO BEING SETTLED XXXX XXXX XXXX XXXX PAID CLOSED THIS ACCOUNT WAS NOT OPEN BY ME I ALSO REPORTED TO COMPANY MULTIPLE TIMES WITHIN XXXX YEARS ( FCRA ) regulates the consumer credit reporting industry. In general, the FCRA requires that industry to report your consumer credit information in a fair, timely, and accurate manner.

A consumer shall have the right to request that a business delete any personal information about the consumer which the business has collected from the consumer. 
A business that collects personal information about consumers shall disclose, pursuant to Section 1798.130, the consumers rights to request the deletion of the consumers personal information.

A business that receives a verifiable consumer request from a consumer to delete the consumers personal information pursuant to subdivision ( a ) of this section shall delete the consumers personal information from its records and direct any service providers to delete the consumers personal information from their records.
Consumer complaint received 2020-07-07
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2020-07-07
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)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

As of XX/XX/XXXX I have learned that my identity has been stolen and used fraudulently. I have included several documents for evidence of proper reporting of the matter. I have mailed my complaints as well as attempted direct complaints with XXXX, Experian, XXXX and XXXX XXXX, although Experian did not provide an online option for my needs. There have been multiple instances of false personal information, addresses, hard and soft inquiries, phone numbers & email addresses. I have spent a great deal of time since my knowledge of the matter beginning in XXXX of XXXX, trying to clear all of the errors up. I filed disputes on XXXX of XXXX which remedied several items but not all and thus leading me to spend even more time and money to research remedies and to provide all of the additional documents ( included ). I have also found multiple instance of privacy violations which are addressed in the documents as well. I have since also froze all of those mentioned. As of this time, my home has incurred over {$50000.00} worth of loss and damages since XX/XX/XXXX.
Consumer complaint received 2020-07-07
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: ID Analytics, Inc. (GA)

I have file my taxes XX/XX/2020, after some days I got a letter from the IRS saying that my taxes has been previously filed, when I had not, immediately I realize that my identity had been stolen, then I when ahead and checked my credit discovering a number of account that I have knowledge of. 
I'd like you to help me resolve this issue, Thank you.
Consumer complaint received 2020-09-03
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. (FL)

Experian and XXXX are fraudulent on my account : XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  IS FRAUDULENT ON MY CREDIT ACCOUNT # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX
Consumer complaint received 2024-01-20
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: Experian Information Solutions Inc. (CA)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are signed by me and I would like them to remove from any affiliation with me immediately.Accounts : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : XXXX XXXXXXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-02
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. (MA)

In XXXX of 2021, we received notification of a 30 day late payment to holiday inn. We disputed the late payment and confirmed with holiday inn that our account was in good standing ( see attached ). The dispute results returned, the 30 day late payment was removed for XXXX and applied to XXXX. The account is still not 30 days late. After speaking to XXXX XXXX, they said they were never made aware of a dispute, did not report a 30 day late payment and confirmed again that our account was in good standing. We submitted another dispute to experian and the dispute results came back as no change. XXXX XXXX once again confirmed that there was no late payment and that they never confirmed the inaccurate reporting. This is badly affecting my credit and has been an issue now, with no resolution for 3 months.
Consumer complaint received 2021-08-09
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: SYNCHRONY FINANCIAL (DE)

On XXXX I was on the XXXX app and there was a popup ad that asked me to verify my information, and then after it brought me onto a new page where it asked for my ssn and other information without telling me i was signing up for a credit card. When i was done entering my information it told me that I was not approved for a credit card, which I wasn't attempting to apply for a credit card and I wasn't aware that they were coercing me to apply for a credit card.
Consumer complaint received 2024-01-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION (NC)

I am writing about a current issue I am facing regarding a Truist joint checking account I had with my mother. 

My mother and I had this joint account for many years and every month her social security benefit deposited into the account where I, as her power of attorney and primary caregiver, would spend on her necessities. I had taken care of my mother for XXXX  years and the current issues I am facing with Truist bank stems from my mothers death which occurred on XX/XX/2023. On XX/XX/2023, her last social security payment was deposited into her account which in turn was used to cover her funeral expenses. When Social Security became aware of the date of my mothers death they attempted to clawback the benefit paid out. As the benefit was already paid out for my mothers funeral, Truist opted to pay out the benefit themselves to Social Security and placed an overdraft on the joint account and is pursuing me in attempting to recuperate the payout. The current amount they are pursuing with me is about {$930.00}. 

I explained to Truist that the account was only for my mother who passed away on XX/XX/2023 and my name was only on the account in order to manage the day to day care and affairs of my mother. Their attempt to pursue me for the balance owed on the account is especially troubling as I am currently XXXX XXXX XXXX and served as the primary caregiver for my parents over the past XXXX  years. During that time, and currently, I was out of the workforce and lack the skills necessary to secure employment. At present, I am reliant on minimal support from my XXXX. 

Given these circumstances, I kindly request your assistance in handling the necessary procedures related to my mother 's account and any pending transactions. Please advise on any documentation or processes required to address this matter promptly. Your understanding and support during this challenging period would be immensely appreciated.
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BB&T CORPORATION (FL)

Same company, same issue - holding funds and making up rules as they go along. - BBT The is the second complaint we have had to file in regards to BBT not releasing funds for repairs. First issue, we were told we HAD to use a contractor. Not true. They granted an exemption after the first complaint was file and forwarded the first set of funds so we could start repairing our home from the flood ( hurricane XXXX ). We were told to contact BBT to set up an inspection by one of their inspectors. We did so approximately two weeks ago and the BBT inspector stated and reported to BBT that were are 90 % complete. We called today XXXX/XXXX/17 to verify that they have received the report and would send the additional funds. After speaking with XXXX again, they now stated we need to provide receipts for the repairs that their inspector verified and photographed the work was completed at 90 %. We asked BBT to provide documentation stating where we were required to provide receipts as they have NEVER disclosed this before. It is very obvious they keep making up the rules as they go. The only document we have from them states once the job is 50 % complete they will release the remaining funds. Once again, we asked for XXXX XXXX as she is a supervisor in processing department and her superior XXXX XXXX - still have not heard anything back as of today and waited on hold for over 1 and a half hours. These are the same two people that lied to us before and stated they were over-nighting the first check of which they did NOT as we received the check 4 days later - XXXX tracking # XXXX. If they are doing this to us, how many other people are they doing this to as well. There needs to be a full investigation/audit of the loss draft department. At this point they have not released our funds and are now requiring us to submit receipts? even though they told us their inspector had to come out and take photos and show the repairs have been complete to 90 %. As of the end of this week, we will be 100 % complete with repairs and have already requested BBT 's final inspection and hope that they will be able to provide us with documentation stating that the repairs are 100 % complete and they have been satisfied. I am still waiting on future checks from the insurance company and I would like to provide them with the document stating the checks can be made out directly to me and BBT has been 100 % satisfied. The process of having to take it to one location to have someone sign off on the check, just delays the process even longer and allows BBT to hold my money even longer. Thanks for your help in rectifying this situation and hope to protect other consumers that are being faced with this same situation. There needs to be a documented process and these problems and complaints would not happen.
Consumer complaint received 2021-11-29
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. (MA)

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : XXXX XXXX XXXX, BALANCE {$1800.00}, OPENED XX/XX/2019, ACCOUNT XXXX
Consumer complaint received 2015-12-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I attempted to deposit cash into my father 's checking account at Chase bank. I recently moved and I am no longer able to drop off cash at his home. I was advised that I can deposit a personal check but they would put a hold on it. I had already gone to my bank to withdraw the {$1000.00}. They asked if I am a Chase bank customer and I said yes that I have a credit card with the bank. The teller said she could due a cash advance for a fee from my account. To me, Chase is just trying to make things harder for their customers to bank at their institution. This is a ridiculous rule that does n't really safeguard bank assets and it is wholly inconvenient.
Consumer complaint received 2022-08-15
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. (TX)

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, XXXX XXXX XXXX XXXX, XXXX and equifax were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove their information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .
Consumer complaint received 2020-12-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

This account started with XXXX XXXX XXXX XXXX  ..This company that handles im assuming that XXXX XXXX gives there bills over to ... Didn't inform me of what this was until it showed on my credit and being after the fact was bullied into pay or it will cause more negative impact to my life and my credit report and score .They also use another company associated in florida thats damaged my credibility with my credit report ... This has been addressed if both company would have just done some basic investigation into this ... Would have found that I was the renter of said car..But I gave no other person Authorization to drive this rental while I was 3000 miles away whenever this car was damaged and the person Whom was driving was in the car and was in the police report and no relationship to me gave wrong information to police when asked ... So now this company after XX/XX/2018 decided to whom can we bullie to pay up..? .. well since there's no bullying going to happen or threatening manner to me they decided to after 2 years report it to my credit report?? No this will not be put on my report years later or in the near future ... ..Its been disappointing that it needs to come to this ... ..
Consumer complaint received 2020-09-03
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. (OH)

I disputed the acct for XXXX XXXX ( acct # XXXX ) as it should be removed totally from my credit report, as it was a written agreement-as a paid for deletion account. Equifax did the investigation and on XX/XX/XXXX, XXXX They stated that they have deleted the acct ( XXXX XXXX ) from my credit report, which would have been the correct action. which I have enclosed. Then they do another investigation on XX/XX/XXXX, XXXX for the same acct- leaving it on my credit report, which is incorrect. I would like this matter to be resolved and the account ( XXXX XXXX ) deleted altogether from my credit report. Thank you in advance for your assistance regarding this urgent matter. 

I also submitted a letter from XXXX XXXX that the account should be deleted from my credit report as the account has been resolved. Thank you!
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NY)

I was on forbearance and when I got out, I had the option for loan modification. I was told I will have to pay 3 months trial payment. I paid the mortgage company monthly trial payments right on time or even before the due dates but they didn't report those payments to my credit agencies. They reported them as no payments or missed payments and 60 days late. 
I'm trying to get a loan but it's now in risk because of these incorrectly reported miss payments. All I need from this mortgage company a letter that stated I didn't miss the payments and I made the payments on time but they haven't issue me this letter. Please help me. I have all the proof of payments
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MI)

Due to the pandemic I was unemployed and unable to make XXXX payment on time I called in XXXX to see if I qualified for the program they had going on to help ppl who could not make payments due to covid. I was told they could help and two months of payments would be deferred I let them know I would be able to make the payment in XXXX which I did I paid XXXX dollars my monthly payment was XXXX dollars a week later I got a alert from the credit bureau informing me my score dropped 64 points due to a late payment to Macys I called in to see if they could help and remove that since I was told my payments for two months would be deferred they told me no they could only remove it if it was a bank error. But it was theyre error Im beyond disappointed in this company and I do not want to do business with them again.