davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Verisk Analytics Inc (CO)

Insurance claims regarding a property listed on my personal information is incorrect in the A Plus database in that several insurance claims against a property with a wrong address of XXXX XXXX XXXX XXXX, XXXX, CO XXXX was paid out to someone other than myself and documented as to a property at XXXX XXXX XXXX XXXX, without the unit number. Even though the correct property address contains a unit number. The properties in question are townhouses with a unit descriptor. The correct physical address of my unit is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX. This has caused me to pay very high insurance rates. The address in my record within the A Plus database regarding my unit needs to be corrected to reflect the correct physical address including the Unit number XXXX The amounts of claims against my property need to be dropped as I never made any claims for damages and there never were any damages to this property. 

This incorrect address information is in the database managed by A Plus as reported to my by my insurance agent. The information was also in the database managed by XXXX XXXX. However, I have communicated with them and they have corrected their data. A Plus will not communicate with me even though I have called them several times never receiving a return call.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (TN)

A fraud alert was put on my account without my knowledge. I was in fact a victim at XXXX time of XXXX however ; I have requested in writing to all major credit bureaus, Equifax, XXXX, and XXXX XXXX that the fraud alert was preventing me from get instant credit, credit line increases and etc. I requested for the XXXX time XX/XX/XXXX that the fraud alert be removed immediately. I never received any response. I tried to get a credit line increase with XXXX XXXX Department store and was told that I needed to contact Equifax because they had an alert on my credit file until XX/XX/XXXX. After complaining some years ago, it was taken off however but put back on in XX/XX/XXXX. I am asking that this fraud alert be taken off of my credit immediately.
Consumer complaint received 2022-01-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (AZ)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on TRIDENT ASST. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2015-05-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA Bank is taking my XXXX wife 's Social Security be'tnefits to cure a debt they claim she owes from an account she held individually. the benefits the are attaching are direct deposited to an account she ca n't touch, I, her husband am her Repersentative Payee, the title of the account is XXXX XXXX, Representative Payee for XXXX XXXX. so not only is USAA unwilling to listen when I tell them they can not attach social security benefits to cure the debt they say she owes, they are also taking from an account that was designed to protect the finances of a person unable to manage their own, which is my case. My wife can not handle her own money, I pay her obligations and allocate funds to her so she cant get herselfin trouble. USAA 's resolution executives refuse to listen when they are informed they can not take her benefits that are direct deposited to her representative payee account to cure a debt from her individual account, please help?
Consumer complaint received 2024-02-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2021-02-25
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: JPMORGAN CHASE & CO. (PA)

In mid XXXX, I referred a friend to get a XXXX XXXX card for the {$100.00} promotion. They were approved for the card, and I received an email about getting the {$100.00} promotion on my next Chase bill. When XXXX passed with no promotion added to my rewards balance or credit added to my account, I called in. At that time, I was told the reward would take up to 8 weeks to complete. That would put me in mid XXXX. On XX/XX/XXXX, I called back into Chase, and it was stated a ticket needed to be created for an escalation. Today XXXX XX/XX/XXXX ) I called back in and was told there is no update, and new case would need to be created. That case would take a week or more to complete.
Consumer complaint received 2016-03-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (IL)

I applied for credit through XXXX XXXX online. Received a denial letter. Called XXXX and was told they denied me because they could not access my credit due to a " Gobal freeze ''. I called Equifax , they claim there is no freeze on my credit report. I called XXXX and XXXX also. Both state no freeze, however, XXXX is not able to access my credit report.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (TX)

This company has reported this debt on my report report as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all XXXX credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, Trans Union reported that I had a hard inquiry from XXXX XXXXXXXX, a company based in XXXX, Kentucky. I did not apply for any loan or credit card from this company. This is fraudulent activity and I need this to be removed from my credit report.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (IA)

XXXX 2020. {$9.00} XX/XX/2020 {$9.00} XX/XX/2020 {$15.00} XX/XX/2020 {$24.00} XX/XX/2020 {$23.00} XX/XX/2020 {$23.00} XX/XX/2020 {$34.00} I called often to find out status at one point was told it was on a desk. No investigation assigned. It has been 80 days and today they denied it. Supervisor did not answer so I could find out why.
Consumer complaint received 2015-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (PR)

I applied for a credit card with XXXX since I have always had an excellent credit score. Today I received a letter saying that my request ca n't be approved because : 1. " CREDIT BUREAU REPORTS APPLICANT IS DECEASED. 2. SOME INFORMATION USED TO MAKE THIS DECISION WAS OBTAINED FROM THE CREDIT REPORTING AGENCY : EXPERIAN XXXX, TX
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Synovus Bank (CA)

I contacted the company there were very rude to first XXXX XXXX company. I was willing to pay the full amount of {$270.00}. They have closed my account on 2021. There saying if they were to take a payment of {$76.00} they will not open the account. I ask them if I can pay {$270.00} they said no I'm sorry there is a process that I can make but it takes longer the check might be lost by mail. I mentioned to them I am the client and want to pay I don't want my credit to be affected.
Consumer complaint received 2021-03-27
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (MD)

Comenity BankXXXX Account Possibly used on dark web Impersonating Representative took information in an attempt to close account XXXX Cell porting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Attempting to get my excess Escrow balance refunded to me. Current balance : {$1500.00}. Required Cushion/Minimum Balance : {$300.00}. Company admits there is a problem, but will not release funds.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I have a loan with SANTANDER CONSUMER USA. The current status should not be showing late because I think I paid on time. This just proves that the 3 Credit Bureaus lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. How can this be fall to a charge off account when the balance is already XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
SANTANDER CONSUMER USA XXXX Opened XXXX XXXX, XXXX Balance {$0.00} SANTANDER CONSUMER USA XXXX Opened XXXX XXXX, XXXX Balance {$0.00}
Consumer complaint received 2021-02-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (CA)

Calls too numerous to list over the span of months from Harris & Harris Ltd. in XXXX, a debt collection agency. I have returned the call on several occasions ( out of frustration ) and established with them that their efforts are directed toward the wrong party. I gave name, address and birth date. Each agent that I spoke with assured me of an identity error on their part and that my number would be removed from their list. ( The last agent that I spoke with was Ms . XXXX. ) All to no avail. The calls continue at a pace of every 3 or 4 days. I was told that they are collecting fees for a City of XXXX XXXX delinquent parking ticket associated with a car that I have never owned and registered to an address where I have never lived.
Consumer complaint received 2015-04-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (CA)

Hi there, I actually completed a loan modification with IndyMac Mortgage XXXX, but shortly after my modification was approved and I started making payments, the loan was transferred over to Ocwen Loan Servicing. They did not accept the loan modification that IndyMac Mortgage XXXX has agreed on and instead raised my payment ( almost XXXX it ). I wanted to see if that was legal and if there are any options that could help me? 

XXXX XXXX
Consumer complaint received 2015-09-21
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc (FL)

Someone used my personnel identity to open a credit card account with PayPal. They used the money to purchase somethings. I received the statement of account from PayPal and I contacted PayPal and PayPal confirmed to me that they treated it as a fraud. That someone used the credit card on XXXX XXXX, 2015 and early XXXX 2015. Paypal declined the XXXX transaction.
Consumer complaint received 2022-08-09
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. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2015-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Duncan Solutions, lnc. (CO)

When asked for verification of debt, I was presented with a printout that did not include the name of the creditor or their contact info. The letter did not state that they are an authorized agent. The printout had codes and information that I could not readily understand. 

The best I can see at this point is that I was issued a parking ticket XXXX with a penalty of {$20.00} - XXXX years old. I threw away accounting records in accordance with the IRS suggested 7 years, so I can not verify using my own records. It must have been paid because the printout has the account go from & lt ; XXXX & gt ; to & lt ; XXXX & gt ; XXXX. On XXXX, it is changed & lt ; XXXX & gt ; to & lt ; XXXX & gt ;, but changed again XXXX to & lt ; XXXX & gt ;. In another area, it says the late fee is {$5.00}. And yet another has the late fees waived " based on effective payment. " The debt has not been shown to be valid.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX - XXXX - Account Number : XXXX has violated my right, And lists of unauthorized inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-02-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

To Whom It May Concern : In XX/XX/XXXX our family planned a vacation to celebrate mine and my husbands XXXX Anniversary. Our vacation plans got thrown off due to COVID-19 complications. My daughter paid for the full total of the reservations, and I planned to reimburse her using PayPal. The amount is {$3300.00}. 
My daughter and I put in all of the transfer information together on XX/XX/XXXX including the email address. At some point on XX/XX/XXXX the email address was changed to an email address neither my daughter nor I recognized. 
29 attempts were made to contact PayPal for remediation, to no avail. 
2 attempts were made via the online dispute system for PayPal with immediate declinations. 
The last reason for the decline Personal payments are not intended for the purchase of goods or services from sellers and therefore can not be disputed. An example of a personal payment would be sending money to a family member or splitting a bill with friends at a restaurant after one person has paid. 
The representatives treated me as if I were senile and not able to understand what was going on, and attempted to confuse me by give me conflicting information me in the same call. I felt bullied and taken advantage of unfairly. 
Their declination reasons were not relevant to the situation that occurred. 
On XX/XX/XXXX I requested for PayPal to provide me with a copy of the policies in place for XXXX  abuse. I requested a regulatory complaint be filed ; I also submitted an executive complaint. In addition, I requested a copy of their CRA file. On XX/XX/XXXX I received another message declining to comply with my requests. I am entitled to this information as per the Dodd Frank Consumer Protection Act of 2010. This company averted compliance to this Act. 
On XX/XX/XXXX I sent letters to five different regulatory agencies regarding this issue. 
I have no compliance from PayPal, just several declination responses. 
I would like an ACH chargeback to be completed for this purchase that was fraudulently intercepted after my instructions were sent to PayPal. 
PayPal has refused to complete this chargeback. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Consumer complaint received 2022-01-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (FL)

Hi on XX/XX/21 I sent a XXXX payment to my bank account that was closed. I contacted PNC and they said the funds have been rejected. I contacted XXXX and they said the funds have been accepted. So for the past month I have been trying to get my money back to no avail. Then this monday the I thought I cashed out to my XXXX account but it did the same thing. So now I have XXXX $ just sitting in limbo. XXXX or PNC are being absolutly bo help and it is getting furstrating. I have provided proof of the rejections and have contacted cashapp over a dozen times.
Consumer complaint received 2021-02-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (GA)

My husband and I opened a business checking account in XXXX, we took all business documents to the bank when the account was opened such as articles of organization, ein and business formation documentation. Fast forward XXXX, I opened a business savings account for the same business name as the checking account. A bank representative called us to come into the bank to bring a copy of the operation agreement which they should have already had a copy from XXXX. We missed the appointment with the banker. We honestly forgot to reschedule and we never heard from them again. Needless to say, they closed both of our business accounts without notice and are telling us they will mail our funds " FIRST CLASS mail ''. Combined both accounts had balances of over {$150000.00}. I've asked them overnight or at the very least provide us with a tracking number because it isn't a little bit of money but all they keep telling us is the check has already been mailed. I know that isn't true because they also said it is a 10 day wait before they will issue the funds. This is a business with payroll and office expeditures that we now have to go into our personal monies to pay these things because Wells Fargo handled this very poorly. No follow up phone call, email, regular mail, or alerts on the account for us to see.
Consumer complaint received 2015-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (NC)

In XXXX I got a mortgage for a small XXXX bedroom mobile home through XXXX XXXX Mortgage. The contract was a forgery, signed and altered by the seller in order to change the interest and payment I signed for. XXXX ignored all my complaints so I continued to pay the payments until I was sent to prison in XX/XX/XXXX. XXXX forgave the debt and filed it with the Credit Bureau as such. Now this Ditech Financial LLC is illegally harassing me for a debt that was not only forgiven but the statute of limitation bars any collection. There has never been a judgement against me for this debt.
Consumer complaint received 2021-02-25
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: AMERICAN EXPRESS COMPANY (IL)

On XX/XX/2020, American Express via XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose. 
My written authorization. 
Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2015-12-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I initiated a dispute with XXXX, XXXX, and Transunion XXXX XXXX, XXXX for the following items : XXXX XXXX and XXXX. XXXX was formerly known as XXXX XXXX. These items were scheduled to come off my credit reports a few months ago being that they are over XXXX XXXX XXXX ( DoFD was XXXX XXXX, XXXX for XXXX ), however all three credit bureaus stated that they conducted an investigation and the items were verified. The items being verified was not the reason for my dispute, in addition I called both XXXX and XXXX to verify that an investigation was actually conducted and both company representatives stated that they did not verify nor report to the credit bureaus because the accounts are old and due to expire. All XXXX credit bureaus are reporting erroneous information in regards to when the first delinquency was reported except for Transunion, however they did not remove the old item either.