davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (AZ)

I have an Account with Aspire credit card issued by XXXX XXXX XXXX I closed my Account a year ago in XX/XX/2021. I have continued to make payments. They continue to charge maintenance fee of XXXX a month and also was charge another annual fee. Of XXXX. They keep bringing up the balance which makes it impossible to pay it off. This is and should be illegal. I have been making my payments on time and they refuse to remove the fee. In the first agreement upon receiving this card I said that fees would be waived if card was canceled within 30 days of statement closing which I did. I called the first time to have the fee waived and they never did. Now after a year of closing the account they haved charge another annual fee. This company has been fraudulent from the beginning and needs to be investicated.
Consumer complaint received 2020-07-16
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. (IL)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Experian regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : XXXX XXXX XXXX XXXX  XXXX never late XXXX  XXXX XXXX XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late DEPT OF ED/XXXX XXXX never late XXXX XXXX XXXX  XXXX never late COLLECTIONS XXXX XXXX  XXXX {$990.00} not mine XXXX XXXX XXXX {$1400.00} not mine PUBLIC FILINGS BKPT   CHAPTER-XXXX XXXX not mine Identification already on file, no changes, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (PA)

I am writing you this statement for you to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (GA)

in XXXX of 2021 i went for a FREE consult at XXXX  gym. i signed up for monthly membership fee of XXXX a few days later i was notified that i was having emerg XXXX  XXXX. i notified the gym that i would be cancelling the membership until further notice. they continued to bill me. i emailed them and they refunded the monthly fees charged. then i noticed recently that on XX/XX/2021 i was charged for a personal training session that i never had or scheduled. I tried to contact the gym. no response this time. i disputed the charges with chase bank on XX/XX/XXXXand i was credited the amount of XXXX on XX/XX/2021 the funds were debited from my account once again. i am being charged for a service that i never received.
Consumer complaint received 2020-01-26
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (FL)

Synochrony Bank is issuing credit cards under my social security with a fraud alert placed on my credit reports. On XX/XX/2020, I recevied a letter from a fraud review that the credit card was opened by me. I called the bank and was told the card was mine. I never applied for the card or received the card. I'm lose and don't know what to do next.
Consumer complaint received 2022-05-18
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. (MO)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2021-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southwest Credit Systems, L.P. (PA)

The 3 Credit Bureau is reporting inaccurate information on SW CRDT SYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Company name : Wells Fargo Company name : XXXX Originally made a purchased on XXXX on XX/XX/2021. Returned the products as I no longer needed them. Received refund on the purchase on XX/XX/2021. 

XXXX had charged me again on XX/XX/2021 for the same purchase and I filed a claim with Wells Fargo on XX/XX/2021. I let the representative know the details of the situation. After speaking with multiple departments from Wells Fargo, I have now learned that the claims assistant should have filed the dispute as " unauthorized '' instead of " fraud ''. The claim is now over and I have " lost '' the claim. Wells Fargo is no longer willing to help their customer of over 10+ years.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Hello to who it may concern, my name is XXXX XXXX XXXX. i am a victim of identity theft, also when i pull my credit report on XX/XX/2019 i saw that a lot of the information was not mine i did a police report as well as a identity theft report. my FTC report number is XXXX, i send the information to al 3 credit bureaus plus the companies but Equifax keeps on sending me a credit report with a name that is not mine. i send multiple times the both report policy and identity theft but it seems that they don't even look at it. 
in-reference to the accounts all of then got erase, but my personal information has not been update. 
now i see that for the bankruptcy all 3 bureaus there are not reporting it correctly and also to my understanding by the FCRA all information needs to be accurate and complete i send then poof that information that they are reporting is not complete and accurate. i send letter on XXXX, XXXX, XXXX XXXX, and XXXX but they keep sending me the same answer. i had ask then to send me proof but they don't send me anything.
Consumer complaint received 2020-05-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: California Business Bureau, Inc. (CA)

In my credit report, it shows a collection amount of {$150.00} from this collection agency after it was transferred from XXXX XXXX XXXX Hospital. I have not received not one letter by the hospital or collection agency to collect the amount due or been told how to pay off this amount over the years. The agency is not returning my calls or answering any of my emails and the hospital has not been specific with what the charges are from. As well, the hospital said I owed {$200.00}, and referred me to another agency not listed as the collection agency on my credit report which is giving me different answers.
Consumer complaint received 2020-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XX/XX/XXXX I deposited my Pandemic Unemployment check via mobile app to bank of america totalling XXXX. No more than 10 minutes later, my account was closed and the funds put on hold. I called them, they told me it would be released today XX/XX/XXXX pending they confirm the check is valid and cashable. They check is drawn on a Bank of America account, here in Arizona so there is no reason it should take that long. After waiting until the XXXX as instructed, I was informed it is still on hold with no date for release. I have not been able to access any of these funds to date.
Consumer complaint received 2022-12-07
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: Retail Merchants Associates (LA)

This collection agency is violating my rights under the No Surprise Act of 2022. I have a medical bill with that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as I am allowed a fair and correct credit report according to the FCRA. Please see details below : RETAIL MERCHT ASSOC XXXX XXXXXX/XX/XXXX in the amount of {$440.00} RETAIL MERCHT ASSOC XXXX XXXXXX/XX/XXXX in the amount of {$1700.00} RETAIL MERCHT ASSOC XXXX XXXXXX/XX/XXXX in the amount of {$250.00} RETAIL MERCHT ASSOC XXXX in the amount of {$100.00}
Consumer complaint received 2020-05-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

On XXXX the loan company Lakeview Loan Servicing , LLC paid taxes incorrectly in the amount of {$8400.00} when the taxes were actually approximately {$1800.00}. Based on this mistake by the company, they recalculated and raised the payment by {$600.00} per month which we do not owe and can not afford. They started robo calling and calling and sending letters every day. We called and e-mailed but they keep saying that {$1600.00} is owed every month when the payment was only {$1000.00} and it is their mistake. They have not redone their escrow analysis based on their mistake. We did have a check written on a closed checking account by accident and wrote a new one when we became aware of the mistake.The original check written on the wrong account was in XXXX and paid with the XX/XX/XXXX payment. XXXX for payment and {$500.00} for the check written on the wrong account. Lake View has been applying the payments of {$1000.00} to the previous payments with the extra escrow amount. So, we have paid all that should be due and Lake View is not working with us to correct the issue that they created. Five months later, we have received another letter threatening our credit and now saying they will not accept anything but the full amount. Please assist us with this problem. I XXXX XXXX XXXX over the road and this has created an enormous amount of stress for me and my family on top of the Coronavirus stress and XXXX  of my youngest child in XXXX during this.
Consumer complaint received 2022-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on XXXX-2022 I sent letters to XXXX, XXXX, and TransUnion regarding inaccurate and unknown things that they are reporting on my credit report. 
I have yet to receive a response for the items that needs to be corrected. I feel like I have been reaching out forever about this situation and I feel that I am being taken advantage of also being ignored. Correcting this information is very important to me as it is hindering me from the Employment that I am seeking. XXXX, XXXX, and TransUnion are acting as if my needs aren't important to fix my disputes. 
Section 611 ( a ), plainly stated, a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report. it has been over 45 days and still have not received a response with this information corrected. the items need to be deleted promptly.

I will file for litigation due to the stress that I am going through to get these items deleted from my report.

The Credit Bureaus have also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) Each bureau is supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ). These account needs to be deleted for inaccuracies. I will attach a picture of the violations that are being reported.

How is it possible for each Credit Bureau report in payment history Ok and Past Due in the same month? Also have 3 different dates last active? this picture is full of violations, and they need to delete this account from my credit report because it isn't accurate here is Tracking numbers for XXXX XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for TransUnion XXXX XXXX XXXX XXXX XXXX Here is Tracking Number for XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

XXXX the XXXX I lost my card on a lunch run while on my break, after my lunch i realized i didnt have my card on me and didnt think too much about it cause i often loose my cards and find them however the next day i went on my account to close the debit card and there was a check with an amount of {$1700.00} deposited and withdrawn, I am no longer able to view my online bank statement and my account is now reflecting - {$1800.00}, I contacted my bank and they have started a claim however my only worry is that I end up in debt. I did not make those transactions nor am I associated with it. I am extremely worried as I have never been in a situation like this and I dont want a negative outcome from this.
Consumer complaint received 2022-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me. 
These companies have refused to work on disputes even though they are required by law to do so. 

I've also called on multiple occasions regarding the negative items that are reported on my credit report. These accounts are not mine.
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello to who it may concern, my name is XXXX XXXX XXXX. i am a victim of identity theft, also when i pull my credit report on XX/XX/2019 i saw that a lot of the information was not mine i did a police report as well as a identity theft report. my FTC report number is XXXX, i send the information to al 3 credit bureaus plus the companies but XXXX keeps on sending me a credit report with a name that is not mine. i send multiple times the both report policy and identity theft but it seems that they don't even look at it. 
in-reference to the accounts all of then got erase, but my personal information has not been update. 
now i see that for the bankruptcy all 3 bureaus there are not reporting it correctly and also to my understanding by the FCRA all information needs to be accurate and complete i send then poof that information that they are reporting is not complete and accurate. i send letter on XXXX, XXXX, XXXX XXXX, and XXXX but they keep sending me the same answer. i had ask then to send me proof but they don't send me anything.
Consumer complaint received 2020-05-17
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. (VT)

Some time in XX/XX/2020 I placed a call to XXXX inquiring about an education loan that was showing up on my credit report. I gave XXXX my information and they were unable to locate an account. The representative was able to locate an account when I gave my social security number but nothing else matched. I was told I would receive paperwork in the mail and to fill it out and send it back. On XX/XX/XXXX, I sent back to XXXX the completed form, with copies of supporting documentation such as my social security card, my driver 's license, etc. 

I heard back from XXXX on XX/XX/XXXX asking for a copy of my high school diploma. I got in touch with my high school and all they were able to do is provide me with a copy of my transcript. Being as that I graduated high school 16 years ago, my high school is unable to re-issue a diploma. Further more, it is not something that they make in-house and would have to find the business that they worked with 16 years ago to produce another diploma. They assured me it was a certified copy and that it should serve whatever purpose I needed it for. I sent a copy of the diploma to XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter that XXXX was unable to verify my claim of identity theft and that the loans were mine. The reasons they gave were that I requested deferments/forbearance/consolidation/forgiveness, and submitted correspondence acknowledging responsibility for the loan. 

On XX/XX/XXXX, I responded requesting evidence and documentation of these requests for deferments/forbearance/consolidation/forgiveness, and copies of any and all correspondence I have submitted that acknowledged my responsibility, and payment history, dates and and amounts of any and all payments made on the loan. I also requested description of the procedure XXXX used to determine thevalidity, accuracy and completeness of the student loan such as the school name, address, name of person contacted, and telephone number. 

On XX/XX/XXXX, XXXX sent a letter stating that they were unable to confirm my claim of identity theft/forgery for the following reasons : requesting deferments/forbearance/consolidation, not receiving requested documentation to substantiate claim, and that I expressed interest in enrolling in alternate repayment programs. 

I need help. It seems like XXXX is looking at me as a person with a genuine and legitimate concern. I only receive form letters saying the same thing over and over. I have sent everything they have requested but there is no acknowledgement of these documents. The loan does not belong to me and I need help just getting them to listen and look at all the evidence I have provided. I was not even in US during the times XXXX said these loans were borrowed.
Consumer complaint received 2022-05-18
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. (TX)

I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, Equifax, and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are erroneously reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$13000.00} ; XXXX  XXXX XXXX  XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$920.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX XXXX Balance : {$4400.00} ; XXXX XXXX  XXXX XXXX Balance : {$5700.00} ; XXXX XXXXF XXXX XXXX Balance : {$2700.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$540.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-09-08
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. (VA)

I sent disputes about incorrect information being reported on my credit report and nothing has been done. I mailed letters to the bureaus XX/XX/20 and XX/XX/20. I know they have a little extra time but I NEVER received my investigation results.