davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (FL)

This account is not mine but is reflecting on my credit reports. 

XXXX Acct # : XXXX Opened : XX/XX/2020 Amount : {$5900.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OR)

I received an alert from Experian on XX/XX/22 saying that XXXX  XXXX XXXX made a Bank/Credit Card Inquiry by checking my Experian Credit File , ant that this hard inquiry will stay on my credit report for XXXX  months. The alert listed the phone number as ( XXXX ) XXXX. When I searched for this number, I found that this number is associated with a phishing scam ( https : XXXX ). I called XXXX  XXXX XXXX XXXX credit card customer service line listed on their website instead. They verified that XXXX  XXXX XXXX did not recently submit an inquiry, nor open any new lines of credit for me. I then called Experian, who placed a fraud alert on my file and agreed to remove the inquiry from my report within XXXX hours. I asked why they gave my credit report to a XXXX  XXXX XXXX impostor and did not get a response. I find it disturbing that a company that is supposed to help protect my identity would give my credit report to a scammer and then send me an alert with the scammer 's phone number on it. Had I called that number and given my personal information, it could have been much worse. ( In the meantime, I received a text message from XXXX saying " Congratulations, your XXXX  XXXX XXXX credit request was approved. Welcome package and card ( s ) will arrive within 14 days. Reply HELP for help or STOP to stop. '' Clearly, my personal information was stolen and is being used to phish. )
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (FL)

This account is not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX  Acct # : XXXX Opened : XX/XX/2019 Amount : {$32000.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX  any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

in accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 U.S.C section 602 A. states'| have the right to privacy.15 U.S.C 1681 section 604 A : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX
Consumer complaint received 2022-09-28
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 


Bank of America XX/XX/2020 2020
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

My Business Office Phone Number ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc. (IN)

On XX/XX/XXXX {$2500.00} was transferred from my bank to Google Pay to be used to buy a car. Google refuses to give me my money, Shortly after that transaction I closed my account with that online bank and opened another account with a different bank. Google keeps saying I have to reinstate my old bank account, but I cant its been closed.. I had the bank send me a letter stating this and I forwarded to google. They still insist that I re open the account. They also claim they can not verify who I am, thats a bunch of XXXX, I have sent them copies of my drivers lic along with my social security card several times and it has done no good.. How can a company this large just steal peoples money? I wont give up that is a lot of money to me and it caused me to loose another {$2000.00} I had put down as a down payment on a car. If you cant help me Ill be forced to hire an attorney and sue for 3 times the amount to cover my losses. 

Thank You PS : I send them a letter almost every week and i get the same answers
Consumer complaint received 2022-09-28
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-29
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-29
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: CARRINGTON MORTGAGE SERVICES, LLC (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : XXXX
Consumer complaint received 2022-09-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (TX)

Date : XX/XX/XXXX Time : XXXX XXXX XXXX  : XXXX Customer Card : XXXX Transaction : XXXX Withdrawal from Credit Card ATM Fee : {$3.00} Withdrawal from Credit Card : {$1000.00} Total Amt : {$1000.00} Summary : I initiated the above referenced cash advance using my XXXX XXXX XXXX credit card and received 20 [ {$50.00} ] bills totaling {$1000.00} in US Currency. 

At XXXX XXXX on XX/XX/XXXX, the funds were deposited via ATM with XXXX XXXX XXXX. From the deposit, the ATM rejected [ 1 ] of the {$50.00} from my deposit. I I next took the bill to the teller for deposit who attempted to manually make the deposit, processing the bill thru the currency counter. The bill rejected and upon review by the teller manager, it was stated that based on the counter rejecting the bill as well as the ATM, most likely the bill was counterfeit currency. I explained the bill was disbursed to me via Wells Fargo XXXX  XXXX location and in response XXXX XXXX informed me they would not be able to deposit the bill into my checking account for credit. Their recommendation was to present the bill to Wells Fargo and explain their ATM had disbursed the bill from my ATM XXXX XXXX cash advance. 

I returned to Wells Fargo Bank and explained to the bank lobby teller. An attempt was made by the teller to process the currency thru his bill processor however the bill was rejected. XXXX XXXX, XXXX XXXX XXXX XXXX, instructed me he would have to retain the bill which would be returned to the XXXX XXXX XXXX and that he would not be able to assist me further. I asked to have a copy [ front/back ] of the bill for my records to which the teller provided. 
Serial Number : XXXX Series : XXXX XXXX XXXX provided me his business card with instructions to call the Customer Service who would be able to file a Reg E Claim. He disclosed a 10-day timeline is projected to resolve the claim. I initiated a call and spoke with Customer Service and was informed they would not be able to assist me as I was not a Wells Fargo customer. The recommendation was to contact XXXX XXXX for assistance as I was their customer and resolution would be provided from their servicing portals. 

I next spoke with XXXX XXXX and was informed they would not be able to assist me as this was a Wells FargoXXXX XXXX XXXX as ATM currency is deposited/exchanged between the two parties. It was explained that this was not an XXXX XXXX issue. 

In closing, I have not received a response from Wells Fargo regarding the disposition of the claim or from XXXX XXXX regarding the recovery of the {$50.00} I lost from the transaction. In addition, the experience I received from this ordeal results in me not EVER using an ATM terminal again. 

Any assistance that you can provide is welcomed and appreciated.
Consumer complaint received 2022-09-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (TX)

I applied for a line of credit with Netcredit in XXXX and first payment was due XXXX XXXX in which I didnt know I thought it was month payment like the rep stated when I called and asked about payments I was told before getting approved a rep would call big payments are monthly None of thsgg to happened everything that was told to me was incorrect website misleading I asked numerous of times are the sure about payments stated yes I have been calling Netcredit everyday since then I get hung up on called names XXXX n hold for hours cursed out again I sent emails reps calls and its the same thing when I told them I didnt want the loan still charged {$230.00} plus company stated I couldnt return had to make payments I tried to make first payment company place me on hold never answered then late fees are {$130.00} every 2weeks I told managers reps lead reps what happened all they say is sorry you shouldnt have got the loan but all this info is not known until after funding.company wont give me info n payment my login info is shut down seems like I was a predator
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

JPMORGAN CHASE BANK XXXX XXXX is where my deposit accounts have been where disctrpncies are being found. Several accounts have been affected because the bank offers promotions for opening a new deposit account and therefore while taking advantage of these offers confusion has taken place. The following accounts are affected -- XXXX this is where 3 stimulus payments were to be received and I have found only one {$1400.00} -- XXXX is the next account held after the prior ending in XXXX -- and today a secured checking account XXXX -- from this the state of MI income tax refund has not been deposited from XX/XX/XXXX for the XXXX tax year. 

I have found blocks put on credit offers at this bank and get the impression the bank is controlling my personal financial interests without my consent ongoing!
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (NC)

XX/XX/XXXX Dear Consumer, Financial Protection Bureau, I wish to complain about the repossession of my four-door white XXXX XXXX XXXX. The repossession took place on XX/XX/XXXX, and I was able to borrow money and get it back on the same day from their secured lot. 
However, I am complaining because even four years later, I am still not able to get approval to purchase a home for myself and my children due to this matter, and my credit report reflects negatively which causes my anxiety to increase and flare frequently due to this lingering burden. To resolve this problem, I would like for someone in your office to contact Bridgecrest and see how this can be resolved and my credit report reflects in a positive manner. 
When I first learned of this problem, I contacted Bridgecrest and spoke with a representative and was told that nothing could be done about my problem. I believe that this response is unfair being that I went without basic needs during that time in XXXX to borrow funds totaling {$1500.00} in order to get my vehicle back. 
I would like a written statement explaining your company 's position and what you will do about my complaint. 
I look forward to hearing from you as soon as possible to resolve this problem. 
Sincerely,
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2022 I was hit with over {$9000.00} in fraud charges from XXXX thru Paypal. The fraud hit several cards, and my bank account. 

I have provided proof from XXXX that the charges are indeed unauthorized. My bank and other cards have resolved this months ago ; however, Synchrony Bank will not remove the charges. Moreover they are charging interest. 

I have attempted to contact Synchrony Back ad nauseam. They will not correct this matter even though I've sent proof that charges were unauthorized. 

Please Help!!!
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (FL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-15
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. (GA)

I have two accounts on my credit report that are fraud, I need these accounts to be removed and deleted XXXX XXXX XXXX XXXX credit card, XXXX credit card, someone has used my information to open these accounts, I do not recognize thee accounts, Im filing this complaint to have these fraudulent accounts deleted from my credit report, my information social security number and drivers license number was compromised, please no fraud alerts to be added, no fraud alert please delete these accounts Im asking for these accounts removed thank you .the only two accounts to be removed for now is XXXX XXXX XXXX XXXX credit card and XXXX  credit card,
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (TN)

In accordance with the fair Credit reporting act Credit bureau systems {$880.00}, last reported XX/XX/22. XXXX XXXX XXXX  {$110.00} last reported XX/XX/22. XXXX XXXX {$740.00} last reported XX/XX/22 XXXX XXXX XXXX {$640.00} last reported XX/XX/22. XXXX XXXX XXXX {$250.00} last reported XX/XX/22 XXXX XXXX XXXX {$52.00} last reported XX/XX/22. has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions.
Consumer complaint received 2023-11-11
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. (KY)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KY)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.