davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I ordered my credit report and found several items that were not authorized by me and asked Experian to remove. I sent 2 letters and both came back saying I was not the person I said I was. I sent in verification ( driver 's license, SSN, bank statement ) that Experian continue to not look into my complaint. 

Below are the items I would like Experian to remove from my credit file. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXXXXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX XXXXXXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX Was not authorized and need to be removed XX/XX/XXXX XXXX XXXX  Was not authorized and need to be removed
Consumer complaint received 2022-12-06
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: Experian Information Solutions Inc. (AZ)

Ive had a problem with the XXXX company. I reported inaccurate information on my credit report. I mailed a detailed letter with the inaccuracies listed and the violations on the fair credit reporting act that XXXX committed. Today is XX/XX/2022. The original letter was sent on XX/XX/2022. More than XXXX have past and still no response. The items on my report should be deleted and removed immediately
Consumer complaint received 2023-03-24
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2023 I received text message that I opened 2 Cpital One / BASS PRO accounts. Then I received XXXX credit alert that Capital One did a hard pull of my credit report. It is someone else steals my identity and opened the account.
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

I had someone contact me using a Wells Fargo phone number stating they where with Wells Fargo and that someone had attempted to make a fraudulent charge and that the bank had stopped it she asked me for my name and date of birth to verify it was me I verified she said she was gon na send me a XXXX time verification code and to please read it back to me I did she then said my pin had been compromised and it needed to be changed she asked me to enter the old pin in and then to enter the new one in she told me they where gon na send me a new debit card. Two days later my account was XXXX $ I went onto my account and there had been 2 withdraws from my account 1 for XXXX $ and XXXX for XXXX $ putting me XXXX $ at an ATM in XXXX I live in Colorado I immediately contacted my bank and they said that it was my new card I told them I had not received my new card they said they where gon na get me some help they deactivated the new card and sent me another card before they sent me to claims. Claims said I had been scammed and it would take 7-10 business days to investigate. I'm trying to figure out how the bank sent my card to another address then the one on my account how did this scammer pull out XXXX $ out of my account and overdraft it when I had a XXXX $ ATM daily limit on my card and overdraft protection I feel like the bank is also dragging their feet to give me my money back because they already told me I was scammed and they still have to investigate also they state that they watch accounts for suspicious activity and decline any suspicious activity if they checked my account they would have seen my last transaction was in Colorado and the card was being sent to Florida. I've been with Wells Fargo for a long time and I rarely use the ATM to withdraw money that should have also been a red flag but I had to contact them. I don't feel the bank wants to help me or get this settled it's the first of the month I have bills no money and I'm the only income in my family of three. please help me get this settled.i am also waiting for the bank to settle this claim so I can give the claim report to the police I made a police report with.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Innovate Managed Holdings, LLC (IL)

I purchased a new vehicle on XX/XX/XXXX, my lender, INNOVATE LOAN SERVICING has not reported my last " 5 '' car payments made to them have " not been reported '' to the credit bureau. I was supposed to get my car refinanced by the XXXX XXXX XXXX where I bought my vehicle, because my payment is currently so high, and when I called my salesman XXXX a couple days ago, he told me he could not refinance the vehicle because NO PAYMENTS, 5 payments have not been reported to credit bureau at all. When I called INNOVATIVE LOAN SERVICING I was told they have a " GLITCH '' in their system, and to check back with them in '' XXXX '' to see if it was fixed yet, really unreal and illegal I would think!! I really need to get this refinanced, as It is very difficult to make these {$600.00} car payments every month right now. Their information on their bill is as follows : Innovate Loan Servicing XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone # XXXX Thank you, XXXX XXXX XXXX Phone # XXXX
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (WA)

On XX/XX/2023 I purchased a {$200.00} Google XXXX gift card from XXXX. I received the code and was able to apply it to my Google XXXX balance with no issue. When I attempted to spend the money in my balance in an app, the purchase was declined and I was instructed to fill out a form for Google. The form asked me to provide receipt of purchase and the gift card code, which I provided. 

On XX/XX/XXXX, I received an email response from Google stating " Thank you for your patience while we reviewed your account. We have identified some inconsistencies with your account and the information you provided us. As a result, we are unable to help you redeem these gift cards. '' The email was sent from an address that does not accept replies, I was given no way to contact them back or dispute the resolution, nor was I given details on what exactly was wrong with the information I provided. I immediately contacted support and opened a new case. I was told that a specialist would look into it and reply within 24-48 hours. 

On XX/XX/XXXX, I still had not heard a response so I contacted chat support. I was told the ticket was escalated and I would hear back from a specialist in 24-48 hours. 

On XX/XX/XXXX, I still had not heard a response so I contacted phone support. I was told the ticket is already escalated and can not be escalated again, and that I'd hear back from a specialist in 24-48 hours. 

On XX/XX/XXXX, I still had no response so contacted chat support again. Was again told that I'd hear from a specialist in 24-48 hours. 

On XX/XX/XXXX, I am filing this complaint as it has been nearly 1 month the company has continuously missed their commitments to respond to my case.
Consumer complaint received 2023-01-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FirstPoint Collection Resources (VA)

This company continually calls me from new numbers and area codes ; without written consent unfairly submitted my information to my credit report damaging my credit causing me XXXX XXXX and now Im getting denied for credit cards and loans to help my family.
Consumer complaint received 2022-12-06
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: American First Finance, Inc. (PA)

Hello, I have a loan closed since 2018 that is not under my authority. I downloaded the XXXX  application and that's how I found out I made the police report and it still hasn't been resolved. I hope you can help me
Consumer complaint received 2024-10-24
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. (FL)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-03-15
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$2200.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRUIST FINANCIAL CORPORATION (TX)

A checking account with Truist Bank was opened last year. This was disputed ( Case XXXX ) and closed. There is still a personal loan open on my credit report with Truist Bank from XX/XX/22 {$9900.00} account balance. Account number XXXX ( last 4 dont show on XXXX credit report ) This is another identity theft issue left unresolved for over 8 months.
Consumer complaint received 2023-03-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Capio Partners, LLC (FL)

Asset Care LLC used took a contract to collect debt from me without my permission. I have never had an account with them. I am asking that they remove that unauthorized account from off of my credit immediately in the amount of {$25000.00}, account number XXXX.
Consumer complaint received 2024-09-12
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. (TX)

I recently discovered a mistake in my credit report, with an account showing late payments, though they were made on time. Credit agencies are required to report accurately, and this account was never late. I've attached the relevant dates. Please investigate and provide proof. If unverifiable, I demand the payments be updated to reflect on-time payments immediately. Thank you for your quick action.
Consumer complaint received 2023-03-07
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)

DEPT OF ED/XXXX Balance {$1400.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$1100.00} Balance updated XX/XX/2023 DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/2023 DEPT OF EDXXXX Balance {$8800.00} Balance updated XX/XX/2023 This account shows incorrect information on late payment, I have never had a late payment on the XXXX loan accounts and this is wrong information i need this to be fix i try with the lenders but i haven't receive any answers.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (NY)

XXXX XXXX accounts reported late for over 2 years dating back to XXXX and XXXX of 2020. These were reported XXXX  times each on XXXX loans for a total of XXXX late payments dropping my score more then XXXX points. Grievously effecting my credit report when this information is in fact false. There will be a payment receipt attached this was given to me directly from the lender to have this problem corrected. 

Laws Broken : 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-12-02
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

I currently hold a Citi credit card account XXXX **** **** XXXX under my name, XXXX XXXX XXXX. And that specific account doesn't worry me. 
I have inquired several times about my account ( s ) with zero replies from Citi or Citibank. This is my XXXX request. 

I have reason to believe my digital identity might be compromised and I need an investigation of all Citi or Citibank account ( s ) matching my credentials in order to exhaust this part of the investigation. 

I need to know if any other accounts are open under my credentials? Please assign XXXX of your representatives to investigate this going back at least XXXX to XXXX years so that I might rule out the possibility another account was opened with an unauthorized use of my data. I need this search performed whether a checking, money market, savings or any other type of financial account.
Consumer complaint received 2023-06-05
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (SC)

I bought my house ( a new construction ) in XXXX. My loan was sold to AmeriHome in XX/XX/XXXX. In XX/XX/XXXX, I discovered that AmeriHome had increased my monthly mortgage of {$1600.00} to over {$2200.00}. There was no prior notice from them to explain this. I called them immediately to ask why and that I ( like almost everybody else ) will not be able to afford an additional increase of {$500.00} every month. I had gone further to explain to them that I had changed job in XX/XX/XXXX and dropped salary from a XXXX to a XXXX, yet continued to pay the required amount without complaints. AmeriHome told me that they increased my mortgage because my taxes increased. I went to the County Office and was told that my taxes did not increase, rather they just started taxing me on the house, unlike previous years that only the land was taxed. I tried working with AmeriHome, but they were not willing to. Immediately, I contacted one of the loan servicers that had been mailing me great offers and started the refinancing process with them at a much lower APR of about 2.5 %. I continued making the payment to AmeriHome and then in XXXX and XXXX, they returned my payments and reported me to the credit bureaus for missing payments. The first month of reporting, I dropped XXXX points and then dropped about XXXX  points after. One of the AmeriHomXXXX representatives advised that the loan be put in forbearance to prevent further credit score drop and for the issue to be resolved. AmeriHome reduced my monthly pay to {$1900.00} and I told them that it is still too high for me. The company that I wanted to refinance with dropped me after they assessed the house and no other company would refinance my mortgage. Before I knew it, AmeriHome sold my loan to XXXX and I got to know this because the new company contacted me to introduce themselves as my new loan servicer. I called AmeriHome again and they told me XXXX is their sister company and that it was just a transfer ( this I found to be untrue ). I wanted to sue AmeriHome, but I was called away on XXXX to XXXX. The new servicer is trying to modify my loan, but I can't bear refinancing my loan with them for 40 years. AmeriHomXXXX caused great damage to my credit score, making me to pay more for no reason, made me to lose refinancing my home at a much lower APR, and also caused some XXXX XXXX XXXX  emotional hurt to me.
Consumer complaint received 2022-07-12
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. (FL)

I am a victim of identity theft. I have provided Experian with the FTC report, approved police report, proof of identity theft alerts from XXXX and they have failed to properly investigate these matters and delete the information from my credit report which is adversely affecting my ability to obtain credit. Additionally, they have failed to disclose their method of verification per FCRA laws. As such, I am hereby demanding for the following fraudulent account along with the three unauthorized inquiries listed below to be immediately deleted from my credit report : XXXX. Account : XXXX Bank XXXX. XXXX : XXXX XX/XX/2022 XXXX. XXXX : XXXX XX/XX/2022 XXXX. XXXX : XXXX XX/XX/2022 2022
Consumer complaint received 2022-07-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Paypal Holdings, Inc (CO)

Made a purchase on XXXX using paypal for payment. purchase date was XX/XX/XXXX and the purchase was for {$470.00} XXXX order number on XXXX is XXXX paypal states in their disclosures that they change the currency rate daily but they do not change it daily. they leave it the same for weeks or months at a time. 

As of yesterday the value of the us dollar to the XXXX was approximately even, give or take a cent. 

The exchange rate they provided was XXXX XXXX less than the actual value of it should be and that is the same amount they had XXXX months ago. 

So they are not changing it daily as their disclosures state and they are ripping consumers off, pocketing the difference and not be ethical or even fair. 

When the customer service rep who I spoke to put me on hold to transfer me to a manager like I asked I was hung up on. 

Then to make matters worse, I was sent an email supposedly including the disclosures for international money transfer fees, etc but the email and only email sent to me was for an alert that my account was accesssed from anothe mobile device which was not accurate and seems like a fraudulent way to conclude the phone call by the representative.
Consumer complaint received 2023-03-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

I reached out to SYNCB/AMAZON numerous times agreeing to pay if the debt was validated.I sent out letters registered mail, which are attached for proof. I requested a copy of the contract binding SYNCB/AMAZON and XXXX XXXX XXXX Also statement showing they were the holder in due course. They haven't met any of my requests within the timeframe allotted. The debt was not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you,