davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (MS)

On XXXX XXXX, 2017 I received an e-mail from XXXXXXXXXXXX, purportedly from SunTrust Bank. This e-mail informed me that an Online Cash Manager Account had been opened in my name at SunTrust Bank and requested that I reply to complete the enrollment process. I do not have, nor have I ever had, an account with SunTrust Bank. Nor have I ever initiated the process for opening any type of account or service through SunTrust Bank. When I called SunTrust Bank their employees immediately requested my social security number. When I refused to give them that information they checked for accounts in my name. I was told that there were several accounts at SunTrust Bank that had my name on them. When I asked them to cross reference the accounts that bore my name with accounts that have my e-mail address associated as contact information they refused on the basis that they could not give out account information. In short, fraudulent financial activity is apparently being conducted at SunTrust Bank using my name but SunTrust Bank is refusing to give me any information about accounts held by them in my name. I need to know what fraudulent accounts are being held in my name at SunTrust Bank so that I can effectively pursue a prosecution of the individual or individuals who have used my identity to open fraudulent accounts in my name. Thank you for any help you can give me in this matter.
Consumer complaint received 2017-01-03
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC. (WA)

I arranged for a transfer of money from my Ally checking account into my father-in-law 's checking account on XX/XX/2016 and have a printed confirmation of the transaction. The transaction was arranged for through the " pay people '' application on the Ally on line web site. The transfer did not take place and despite numerous inquiries to Ally Bank I have been unable to ascertain A : the status of the transfer, B : the reason for the failure for the transfer, C : how to re-enable the transfer, or D : any information on how to contact anyone to resolve the problem.
Consumer complaint received 2016-04-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MD)

On XXXX XXXX, 2016 I began an online dispute with Experian regarding a collection agency by the name of XXXX XXXX. I have no idea who this company is, and I have NEVER done business with this company. I disputed online with Experian, and sent a letter to XXXX XXXX requesting to have the debt validated, and I requested this company cease all acts of collections until the debt was validated. On XXXX XXXX this same company continued to report negative information to Experian. I called Experian about this, and I was told that creditors are allowed to continue to report negative information during a dispute, and that Experian is a 3rd party and only asks for verification of a debt, and they do not perform thorough investigations of a dispute because they are a third party. On XXXX XXXX, 2016, I received the results of my dispute, and Experian stated that this debt " remains '' on my report. 
I am dissatisfied with this result because I have not received validation of debt from this company, and I have no agreements/contracts with this company. I feel that I did not receive a fair or adequate investigation because I was told over the phone by an Experian agent that they do not perform thorough investigations, they simply reach out to the company and verify that I owe the debt. I am not happy that I was told that creditors are allowed to continue to report negative information on my report in the middle of a dispute, which usually requires up to 30 days for a thorough investigation. I will repeat the disputing process in hopes that I find out who this company is and how much they say I owe and what for, but I am disappointed that Experian has not and accordingly can not perform a thorough investigation of the negative information on my report, and would continue to allow XXXX XXXX to report information right in the middle of a dispute, even before the results were found.
Consumer complaint received 2015-04-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

For the past 2 years, I have disputed XXXX accounts in particular that only appear on Experian tradelines. These creditors or debt collectors have not complied with the FDCPA and Experian keeps falsely reporting these items as verified items. Today, I spoke with CS Rep. XXXX XXXX from XXXX XXXX XXXX. On the automated system, it reflects when I put in XXXX XXXX personal identifiers {$0.00} past due and {$0.00} balance. I spoke to XXXX and told her there is a open investigation concerning this account on Experian. She told me that the account was settled out. But when I asked for the date of settlement, she said there was a balance of {$2800.00}. XXXX. She was then asked if XXXX will be collecting on this balance, she replied, " XXXX XXXX XXXX is not collecting on debt but reserves the right to send it to collection. She will be sending in the mail to my mailing address any information concerning this false account. 
I also spoke with XXXX in house recovery dept representative XXXX. I gave XXXX XXXX person identifiers and was told there was a open balance of {$250.00}. He was demanded to send all information concerning account in writing to my mailing address. He refused to do so, although I gave him XXXX XXXX personal identifiers. XXXX refuses to verify debt and EXPERIAN refuses my request to delete tradeline. 
Also XXXX XXXX has cease in its collection efforts to collect on a XXXX Credit card that did not belong to me. I made a complaint to CFPB against XXXX XXXX XXXX who falsely filed a judgment and is only reporting their tradeline on EXPERIAN. Their response was unsatifactory and disputed.
Consumer complaint received 2016-12-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

third collection agency I 've disputed tmobile sold to, have disputes & have had deleted each agency that unknown to me how they have my information at all, no I 've disputed this twice & they ( experian ) just leaves it, says it investigated, but they 're not, tired of watching my credit report and score going down the drain. Please help XXXX
Consumer complaint received 2015-06-11
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (SC)

On XXXX XXXX, 2015 I received the following email from XXXX XXXX " We are writing to you today because we have taken an action on your account and wanted you to be aware of this change as soon as possible. We lowered the credit limit on your account to {$2500.00}. The new cash advance limit is {$200.00}. This credit limit is for total spending on all Cards on this account, so if you have any additional Card Members, please ensure they are aware of this change. You will also receive this information by letter .... '' I also contacted XXXX XXXX and a Customer Service Representative stated someone at Experian had notified XXXX XXXX and reported the derogatory information about me to XXXX XXXX. However Experian has also shared the same derogatory information with XXXX XXXX company.
Consumer complaint received 2016-05-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

A credit card account for a business, not for my personal use, was opened the business ' federal tax ID number. I was not the head of the business and when the business had failed and did not pay its credit card balance, it was reported under my personal credit report. Ultimately, this credit card account was paid for in pull for less than the full balance and closed. However, this remains as a derogatory mark on my personal credit report even though I was not the head of the business and did not have any financial decision making power. All XXXX credit reporting agencies refuse to remove this account from my credit report.
Consumer complaint received 2016-12-16
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: Experian Information Solutions Inc. (AZ)

I took advantage of a free-trial offer for a credit report. After charging my account for {$1.00} to pull my credit, I was signed up for monthly credit monitoring. I called and requested to cancel my monthly membership. My credit card continues to be billed. I have called them to cancel this membership several times in 2016 and every time I call, the representative states that they are have no prior notes of my conversations. This company refuses to cancel my membership and refund my money. I was finally able to get the membership stopped in XX/XX/2016 after insisting that my call is escalated to a supervisor. But this company still took well over {$200.00} from my bank account after I instructed them to stop The company completely refuses to acknowledge all of the prior requests to cancel the membership and refuses to issue a refund for all of the unauthorized charges to my credit card.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

Ove my lifetime I have had loans on XXXX homes all of which were paid off in full. My current home does not have a mortgage. I have also have had several credit cards on which I never carried a balance and car loans that were paid in full. Within the last ten years I had credit cards from a hotel chain and XXXX stores. I have since closed all of those accounts. As of now I pay all my household bills with automatic deductions from my debit card and also use the card for purchases. ( Visa XXXX XXXX XXXX XXXX ) My problem is that when I attempt to rent a car my Visa card is denied. I tried to get help from the credit reporting companies with no success. There is obviously something wrong with their reporting system.
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are XXXX. Experian reports incorrectly that this account balance is {$50000.00}. Experian reports incorrectly that this account is past due {$50000.00}. Experian reports incorrectly this account Credit Limit is {$43000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2016-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Experian is the worst offender dispute items that were included in BK are re activated and falsely reported as a recent charge off. 
Experian stated to me that the creditor i.e XXXX XXXX recently reported the charge off even though it was included in BK 3 years ago. 
Which can not be true that XXXX reported the charge off because XXXX sold the debt 2 years ago so it would be impossible for them to report that on my credit report at this time. 
Showing the recent charge off on my credit report from XXXX which is impossible because they no longer have the account is simply retaliation by experian for disputing that item and is an illegal practice.
Consumer complaint received 2017-03-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2017 I was at Chase bank located at XXXX, XXXX, CA XXXX. I put my Paycheck for XXXX in ATM machine and the machine ate my check, never putting it in my account or giving my a receipt. The machine then turned off and I was unable to retrieve my check. I immediately informed the manager and they advised me I needed to make a claim # XXXX.During the next month and a half they continued to add numerous fees, lie to me on the phone stating the claim was settled. They were incompetent and rude at the XXXX and XXXX. I have lost many hours of work and stressed out trying to resolve this issue. Then once again I filed a claim on XX/XX/2017, claim # XXXX for a returned brand new cellphone. They issued the refund then took it back. So today during the week of XX/XX/XXXX I was advised that they could not find my paycheck from initial claim # XXXX so they took the money back out of my account which had me minus below and then once again numerous fees incurred. I am so unhappy with this customer service. I am occurring fees everyday and they refuse to let me close the account. This is two months later. They said they could not find the check fromthe company that retrieves the checks from the machine. I know that the checks are taken out at least once a week. So thenit was stolen or lost by Chase employee. 
I want my account closed with zero balance! If it is not closed by XX/XX/XXXX I am taking matters higher up to the media. I have family members working at numerous entities whom I already told. 
I have also been so stressed it is causing me to see my XXXX Many times which are all documented. Please help me close this account and resolve this issue before I seek aggressive legal action. I do n't want this hanging over my head any longer. My account # is XXXX. XXXX XXXX thank you
Consumer complaint received 2015-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (FL)

I had XXXX rental properties trying to save them I filed a XX/XX/XXXXbkpt & XX/XX/XXXXbkpt to try to save my houses. I did not go through with either XXXX of them I paid {$150.00} for each bkpt the house in XX/XX/XXXX I lost the house & it went into foreclosure the attorney never showed up in court he took my money & run. I GOT HIM XXXX. In XX/XX/XXXX the house that has been going on for about 6 years I decided to claim bkpt again to try do a loan modification keep the house. I under stand that when you claim bkpt & you go thru with the program it goes on your credit report & I agree with that. But if you do not go through with it & it is dismissed I think it is a little bit of discrimination when you do not go through with it. That is my opinion.
Consumer complaint received 2016-01-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

In XXXX I purchased a vehicle with XXXX XXXX XXXX and made my payments on time and paid out the account in XXXX. XXXX XXXX XXXX reported everything to Experian and it helped my credit score a great deal. Recently I checked my credit report again and noticed my score had dropped and that, that account was no longer on my report. Experian is claiming that while XXXX XXXX XXXX did everything they were supposed to, because the company that reported to them is no longer in business they have deleted all of the information submitted by them. Experian now has a fraudulent credit score for me because they have manipulated it by deleted an account on my report that was in good standing and they refuse to do anything about it.
Consumer complaint received 2022-08-04
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these items from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX
Consumer complaint received 2016-01-10
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (WI)

I have been out of country for three years. I returned to US in XXXX of 2015. Late XXXX, early XXXX I got a credit report from Experian as I was applying to rent an apartment and wanted to know my credit rating. Subsequently I have been getting these emails from Experian notifying me of changes in my credit rating. I have been ignoring these emails because when I open the email and click on the link it asks me for a user log in. I do n't have an account. And if I did have an account I do n't know my user login. Life has settled down a little bit and last night I decided to spend some time on this. Then I read the e-mail more closely. In very fine print it informs me that they are deducting XXXX dollars from my account monthly for this service and that I got seven days free and was automatically signed up for this and that I had to take steps to cancel the membership. I never sign up for this and did not think it was applicable. But then I check my bank account. Sure enough these slime balls are deducting money from my account every month. This has been going on since XXXX. This is fraud. It is dishonest and I have no interest in their service. I want my money returned. I want to file legal charges against them.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (GA)

the website XXXX is NOT maintaining their " contact us '' form/email communication online. i tried to submit the following email to them and kept getting an error message : I forgot the date I last used XXXX, I reapplied, and it directed me to each individual credit agency website, they each turned me down and said*you have received a report in the last 12 months* you are not eligible yet. after the XXXX agency declined my free report, i was directed back to XXXX which said *thank you, please save the date and come back in 12 months* etc., my question is : WHEN AM I ELIGIBLE AGAIN?? i did not receive the reports today and did this attempt RE-SET my eligibility for ANOTHER 12 months??!!?? thanks. ( I signed my name here ) ****ps. I tried to submit this contact form 3 times while I was logged in, and it gave me an error message each time, then it logged me out and said to log back in. **what is the federal agency that regulates this company, where do I send a complaint?
Consumer complaint received 2021-02-19
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. (GA)

I have sent multiple letters to XXXX XXXX to resolve the issue on the collection account which is not mine. After several months the account still shows on my equifax credit file. I again started to dialog with them about why the account still shows up on equifax. they have not sent the requested documentation nor responded to any of my requests which is against the FCRA. My last letter, third in the last 90 days, dated XXXX was returned to sender. 

I have sent duplicate letters to the three addresses listed for them which includes the one on my credit report and they have not responded in any fashion. 

The addresses include : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX I received one return to sender and zero correspondence. 
I have called the associated numbers and have been told someone should back to me and non-one ever does. this is effecting my credit!!
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

2 weeks ago I called Experian to discuss the fact that there were multiple inquiries on my credit report that was previously deleted. I had no knowledge nor did I authorize these inquiries. The operator that I spoke to ( XXXX ) walked me through each one and informed me that he was deleting them while we were talking. I assumed based on what he said that in fact this was taking place. I checked my report today and those inquiries have not been removed. They are still reflected on my report.
Consumer complaint received 2016-01-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (FL)

I am trying to access my Free Annual Credit report with Experian and they, every time fail to deliver a report. Instead they prompt me with a form requesting I send in documentation, which I have completed on numerous occasions, and still do not have a copy of my free annual credit report from Experian. They are putting my at risk by not being able to validate the information on my report is correct.
Consumer complaint received 2016-04-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NJ)

My name is being smelled out incorrect on my credit report several times. XXXX XXXX is billing me for medical bills and they where paid by my insurance and they are on my credit report and the credit reporting company will not remove them and also the doctor they are billing for had my insurance information on file and still billing and placed the bill in collections instead of billing my insurance company whom i spoke to and they informed me the company never billed them.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

This is a complaint about checking my credit report to find unauthorized credit inquiries on my credit report that was not requested by me that Experian continues to verify. 
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