davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (OH)

On XX/XX/XXXX we ordered a drafting desk for our daughter as a XXXX present. The item got lost in the mail according to XXXX and they refunded us on XX/XX/XXXX. On XX/XX/XXXX XXXX made an unauthorized 2nd charged for the aforementioned desk. I contact XXXX on XX/XX/XXXX and explained the situation. The customer service representative said that is was an error that I was charged a 2nd time and that I would be refunded. On XX/XX/XXXX I contact XXXX again and this time a different representative stated that I needed to dispute with my FI if I want a refund. I contacted PNC XX/XX/XXXX to file a " Non-Receipt of Goods/Services '' dispute. I contacted PNC about 3 weeks later to check on the dispute as I had not received " Provisional Credit '' in 10 business days. I was told that it was being worked on. I called again in the beginning of XXXX. I was informed that a letter had been mailed out to me via USPS and I would need to reply to it before XX/XX/XXXX. I then called 2 other times during those following two weeks seeing if I can obtain another copy of the letter since I have never received it in the mail. Both times the rep told me I needed to wait for it to arrive in the mail. On the XXXX of XXXX I called and explained again. Finally a rep was able to get a rep to have a branch provide me with one. The same day XX/XX/XXXX that I received the letter I faxed back to them a response, as well as, documentation showing that the item was not recieved and the refund receipts even states " YOU CAN KEEP, DONATE, OR DISCARD THIS ITEM ''. I then followed up again about a week later and spoke with a woman who said that they are still working on it. I called today and was told the same exact thing. That it will be 90 more additional days to the completion. This is completely unacceptable.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX @ XXXX XXXX, I connected ( due to their call-back feature ) with " XXXX ''. I wanted to know why my credit score on XXXX dropped 41 pts on XX/XX/XXXX for no apparent reason. She just kept repeating it's the algorithms and unless I can give HER the reason something changed she couldn't help me. She told me I had to get a copy of my credit report, but that wouldn't tell me my score and I would have to pay for the actual score. I had noticed the drop because of XXXX XXXX, which shows consumers the scores of Equifax and XXXX, therefore, I did not have an actual credit report or an " official '' ( according to XXXX ) XXXX score ( even though it's EXACTLY THE SAME as it turns out ). I tried doing the FreeAnnualCreditReport thing and couldn't get the XXXX report ( I did retrieve it long after I had hung up with her, but it didn't help at the time ). She also refused to assist me with an alternative way to get the report without having to sign up for XXXX monitoring for a monthly fee. So I'm stuck. I still don't know why my score dropped or how this " algorithm '' works in deciding to lower it by such a huge amount. I have worked extremely hard over the past 7 years to get my scores back up from a horrible place and have done a XXXX good job of it just to have some random agency with random algorithms knock me back down for doing nothing but a good job. The ONLY thing I could see is that one of my VERY old ( aged out due to 7 year rule ) accounts was removed from my report and I can not see why that would or should have a negative effect. If it does, shame on anyone in government who allows this to happen. It also happened with my Equifax report, but after the experience with XXXX, I didn't even bother to call or contact them directly ( BTW, this was a 23 pt drop ). So I went from having VERY GOOD credit scores to " Fair '' at XXXX and " Good '' at Equifax. Heartbreaking.
Consumer complaint received 2021-05-30
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 (MI)

I could not find the proper issue Im having. During the 2020 year of pandemic, I put all my cards to minimum pay because of all the uncertainty happening. Mind you Ive never missed a payment, or was I late with payment. My score went from almost XXXX to XXXX. This made it impossible for me and my young family to get into a house this year. I recently payed my dept off and my score is the same. But XXXX forbid you miss a payment, they will drop it by 50 points. I got turned down for a car and a house that me and my family are in need of. Can we please get an explanation of why the credit companies were even allowed to mess with your credit during the pandemic year??? I have XXXX small kids that need a home and Im not given a shot to buy a home because of rotten and greedy credit companies.
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, Experian is required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute inquiry does not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove this file. 
XXXX XXXX XXXX XX/XX/2021 XXXX Experian feels there is a possibility this inquiry belongs to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-08-01
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. (SC)

Their has been unauthorized use of my credit report. I submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. This is unacceptable and in violation with the FCRA and FDCPA. A furnisher must not furnish inaccurate consumer information to a Credit reporting agency, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate, fraudulent, or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX Equifax data breach and XXXX XXXX  data breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations if these accounts are not deleted immediately off my credit report.
Consumer complaint received 2023-01-09
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Name : Consumer XXXX Date of Birth : XX/XX/year> Social Security Number ( XXXX ) ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Dispute of Incorrect Account Information To Whom It May Concern, I am writing to formally dispute the following accounts that appear in my file with XXXX XXXX XXXX XXXX XXXX XXXX I have NEVER opened, authorized, or used the accounts listed below, and I believe this information is incorrect and potentially fraudulent. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Financial Institution : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Financial Institution : XXXX XXXX XXXX Please confirm receipt of this letter and keep me informed of the status of your investigation. I expect a response within the time frame mandated by law, and I appreciate your prompt attention to this urgent matter. Thank you for your cooperation. 
Sincerely, XXXX XXXX
Consumer complaint received 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: OPORTUN FINANCIAL CORPORATION (LA)

I just opened a brand new account with this company. And, they seemedvery sketchy None of my information was pulling up online. Everything was redirected an when I finally called them and asked them Or told them that it's been 20 days and that I can't pull up any information. The guy told me. 1st of all he said told me what Web browser I had to use. Then he told me I had to delete everything on my phone in order to use their website. And when I told him that I was a developer and that I just couldn't do that, I couldn't closeout existing projects. He said, well, I suggest if you want to. Use our website. Buy a new phone. 
This is my first experience speaking to them and I was shocked by it. I said well, how about I just get a new credit card? He said fine. Then he just hung up. So if that's not the worst customer service. Probably in the history of The human race. I don't know what is.
Consumer complaint received 2022-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am reaching out to the CFPB regarding the illegal practices XXXX, XXXX XXXX Equifax are engaging in concerning my consumer credit reports. I, XXXX XXXX have had my consumer and privacy rights breached and violated in which I reached out to the credit bureaus respectively and asked them to conduct a reinvestigation into these matter of fraudulent inquiries and collections in which my information was tampered with without my knowledge and consent. I reached out to the credit bureaus in which XXXX failed to conduct an investigated and continued to report illegal information in which I will include the attached documentation. XX/XX/2022 XXXX received my dispute information and on the XX/XX/XXXX literally the following business day an investigation was completed in which none of the fraudulent inquiries were removed or the collections? This company illicitly ignored my concerns and demand while continuing to furnish inaccurate information that has caused me emotional and financial distress while causing me to lose my job of 15 years. They must be held accountable. The same situation happened with XXXX XXXX Equifax in which they did not conduct a 30 day investigation. XXXX has failed to open a dispute and Equifax opened 3 different disputes all completed within 5-10 days in which I was not notified of the investigation procedures or given the results and why this information is verified in which once again these bureaus simply brushed off my concerns regarding the validity of the information on my credit report. These 3 Credit Bureaus Equifax, XXXX, & XXXX must be held accountable for their violations against my privacy and consumer rights under 15 USC 1682 ( b ).
Consumer complaint received 2021-03-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (AL)

I'm getting repeat calls from a XXXX XXXX and now a XXXX XXXX claims that my XXXX XXXX XXXX has a vehicle loan in XXXX from XXXX My XXXX  has lived in Alabama since XX/XX/XXXX, and has no reason to go get a loan of any kind from XXXX Everything we own is in my name, my XXXX  has NO loans of any kind in his name. The first time they left a message back in XXXX I called them back they told me that he could pay over {$3000.00}, he stated we would get paperwork in the mail, paperwork has never came in. XXXX XX/XX/XXXX, I get another voice mail from a XXXX XXXX. Claim they have been hired to file a civil suit. I called my XXXX  told him to call them this time. He called, now they say he can settle for {$700.00}. The first call said the loan was with a XXXX XXXX, now they say it is Chase. My XXXX  told them to send paperwork, because we don't have no such loan. Each message tells us to call back at numbers XXXX or XXXX. What can we done to get these calls stopped. Thanks XXXX XXXX for XXXX XXXX
Consumer complaint received 2020-10-04
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: U.S. BANCORP (WI)

I have a Fidelity Rewards Visa Signature credit card as described in the following webpage : https : //www.fidelity.com/cash-management/visa-signature-card. As it states clearly, quote as below : " Every eligible net {$1.00} spent equals XXXX Reward Points. 
No limits on total Reward Points and no restrictive categories Reward Points will not expire ''. I never heard of anywhere or was told that the reward points would expire. So I never thought of checking my rewards status, until recently I came across my rewards activity and realized that over the past year a total of XXXX points of mine expired in 3 times. I contacted the card customer service and they told me unused points would expire after 5 years ( which was completely opposite to the introduction on their own website ), and they could not reinstate my expired points.
Consumer complaint received 2021-04-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Consumer complaint received 2021-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2021 fund was transferred from my Wells Fargo business bank account to a fraudulent account at XXXX XXXX in the amount of {$9800.00}. Subsequently, {$9800.00} On XX/XX/2021 was wired from my Wells Fargo business Account to an unknown individual in California according to a bank representative that I spoke with over the phone. Wells Fargo denied both claims siting that there appear to be no fraud and seeking to place the blame back on me as if I authorized the transactions on the account.
Consumer complaint received 2021-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (AZ)

In my youth I made some poor decisions and found myself incarcerated in the Arizona Prison system. I am embarrassed of this and it is difficult for me to actually need to use that incarceration as proof I did not obtain the debt I am accused of owing. The debt was obtained at Chase bank. I don't know if it was a loan or credit card. In XXXX, a judgment was made against me. I was never served any documents and had no idea I was being pursued for this debt and to this day, it has not appeared on my credit report which tells me they didn't have my correct SS number. In XXXX, the judgement was renewed. My wages were garnished out of my final paycheck with my previous employer. At that time, I contacted an attorney. I paid him to present the facts and proof I could not have obtained the debt while I was incarcerated. It is my belief my brother and sister-in-law used my info and obtained this debt. They have {$80000.00} in judgements and collections against them. I have no negative credit and pay all my debts on time. XXXX XXXX was my attorney and filed with the court a motion to dismiss due to the fact I was never served. The judge denied the motion and accepted the service statement that they served my father with whom I was not living with. I was never served, my father signed an affidavit swearing under oath he was never served either. The attorney said he couldn't file anything else which I could not understand. XXXX XXXX spoke to the attorney at XXXX XXXX XXXX and provided the proof I could not obtain the debt and was told, " Too bad, we have a judgement, he has to pay it ''. I filed a request with the court to allow me to show the proof and dismiss this judgement and was denied. I was not going to pay a debt that has been so over inflated as well and was not my debt. Originally it was for {$2000.00}, and now they are garnishing my wages for {$10000.00}. I am employed with XXXX of XXXX and as of XX/XX/XXXX, they are garnishing over {$600.00} a month from my check and charging 24 % interest on a debt I never obtained. I have asked XXXX XXXX XXXX for all the original loan documentation, application and signatures and was told it has been destroyed by the original creditor and they don't have any of it. They refuse to give it to me. How do they obtain judgments without proof of the initial debt. I don't know where to turn from here. I have done everything in my power since I was released in XXXX to live on the straight and narrow. I have distanced myself from family and friends who were negative figures in my life. I haven't had so much as a speeding ticket. Please help me.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX - Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to dispute the late payment reporting on my account. I paid off my balance in full earlier before the loan original due date, yet the late payment reporting remains on my credit report. This is not accurate and reflects negatively on my credit score. If not, I am requesting a full payment history.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (CA)

I sent a letter to XXXX asking for validation on XX/XX/2020 and XX/XX/2020 and never received a response. XXXX has since removed this account from my XXXX  report. 
I sent a letter to ERC regarding validating this XXXX account on XX/XX/2020 and XX/XX/2020. I did not receive a timely response. A response was received after I mailed the XX/XX/2020 letter. ERC submitted documentation claiming to validate the account. All I received were billing statements not addressed in my full legal name. 

I sent a request to XXXX and XXXX on XX/XX/2020 and have not received a response.
Consumer complaint received 2020-12-28
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: Fay Servicing, LLC (CA)

My grandmother the account owner is XXXX XXXX XXXX SS # ending in XXXX passed away 4 years ago. My mother XXXX XXXX XXXX was the previous trustee of the XXXX XXXX XXXX XXXX XXXX passed away XX/XX/XXXX. I notified Fay Servicing that I was the new trustee and provided them all of the needed documents to authorize me on the account. On XX/XX/2020 I walked into a XXXX dealership with my youngest son to purchase his first car and I discovered that Fay Servicing has incorrectly reported this second mortgage to my credit saying I was 90 days delinquent. My credit was XXXX and it dropped to XXXX because of XXXX actions. I was unable to purchase a car that day. On XX/XX/2020 I contacted XXXX and spoke with my relationship manager XXXX XXXX explained to her what was happening. She confirmed that she would be escalating this complain. 

XXXX XX/XX/XXXX I have received three different notifications from my credit companies saying that because of my bad credit my credit line would be decreased. I immediately called Fay Servicing and was hung up on at least 4 times. I finally speak to XXXX ID # XXXX who claims that I applied to be a successor in interest and that is why my credit is being reported. I have never provided XXXX my Social security or agreed to assume this loan. I am only the assigned trustee administering the account. XXXX transferred my call to a voicemail and was hung up on yet again. XXXX promised to submit a claim to the credit report department but not sure if he did that or not. 

I am requesting that you correct my credit immediately before you cause anymore harm. XXXX is in violation of the fair credit act.