davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (IL)

I received a ding on my credit report stating my score went down. I checked the report and it stated payment was delinquent on a Barclay credit card. I logged into my Barclay account and checked the account which stated past due. I immediately made a payment and called customer service. I asked why I NEVER received a statement nor email regarding my due account. I am NEVER late. My credit is perfect. The customer service rep credited my late fee but never resolved the late reporting. After this my credit went down 50-75 points. I was not late if I did not know a payment was due. I want this reversed immediately with the credit bureaus.
Consumer complaint received 2024-10-08
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. (PA)

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Consumer complaint received 2021-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC. (CA)

I have used my debit card online without using a pin ID. But I ended up not getting the service I paid for. The fraudulent merchant would not issue a refund and would not respond, so I initiated a dispute with Axos Bank on XX/XX/XXXX. After submitting my first certification on XX/XX/XXXX and as of today XXXX XX/XX/XXXX XXXX, Axos has not resolved the issue and has not refunded the charge. 

I have been in communication with Axos either via phone or via e-mail for the period XXXX, but not once did any of the representatives provided any helpful information regarding the status of the dispute. I have talked to various customer service reps from XX/XX/XXXX to XX/XX/XXXX, but although they seemed to understand the issue, they offered no help. I have also e-mailed them various times via its secure website ( see attached ). 

Without any resolution to the XX/XX/XXXX dispute, I unexpectedly received a call from Axos Fraud dept ( a third-party provider most likely based in XXXX XXXX asking me to check the secure e-mail at Axos website and sign another certification. He offered no explanation as to what happened to the XX/XX/XXXX dispute and why I needed to sign another certification. And despite my frustration, I willingly re-submitted the certification right away ( see attached ). And as expected, to date I have not heard back from Axos, which is no longer surprising based on my previous experience during the first unresolved dispute. 

Axos does not resolve card disputes by its employees, but subcontracts it to a third-party provider in XXXX or somewhere in the XXXX XXXX. It appears that Axos does not have control over this provider and it does not follow-up any of the clients dispute status. Axos simply does not have accountability to what this provider is doing. The customer service reps do not have direct contacts with this provider. And every time I send an e-mail about a status update, the reps were so quick in closing the ticket just as soon as they have responded - whether or not their response involved resolving the issue. This is one of the worse customer service I have ever experienced with a bank in terms of getting credits for charges dispute. 

Since I have used my debit card online and ran it as a credit that is I didnt enter a PIN at the point of sale, should the bank follow the rules set out by Visa and Mastercard and thus subject to the rights spelled out under the Federal Truth in Lending Act and the Fair Credit Billing Act? 

Thank you!
Consumer complaint received 2021-01-23
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)

I mailed a dispute letter in accordance with the FCRA and the instructions listed on XXXX to Equifax info services on XXXX XX/XX/2019. Its been over 30 days and I have not received a response ( letter or phone call ). As of today Equifax has not blocked the items. They are still listed on my credit report. In accordance with the FCRA and XXXX they must block said items or delete them. Accounts disputed on grounds of identity theft were as follows : XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (ME)

XX/XX/XXXX : purchased online furniture from XXXX XXXX XXXX in South Carolina. This transaction was completed through PayPal. Apparently, PayPal is linked to PayPal Credit which is actually Syncrony. PayPal Credit paid XXXX XXXX {$2700.00}. 
I waited patiently for my furniture and have filed at least XXXX disputes with PayPal. XXXX XXXX does not have an answering service of any kind. The phone just rings every time I call. XXXX never responds to my emails either. The furnitures delivery was supposed to occur XXXX, XXXX. 
I have reached out to PayPal and Syncrony. 
As of today, XX/XX/XXXX, a manager told me PayPal has nothing to do with PayPal Credit. I felt so helpless. He also mentioned this purchase took place in XXXX XXXX XXXX and this is now XXXX XXXX XXXX. He is not considering that I waited until XX/XX/XXXX and stopped my automatic payments to PayPal and explained to them that I never got the furniture. I have made countless attempts to reach the Merchant, XXXX XXXX and have had numerous conversations with PayPal associates. 
In the month of XXXX my credit score decreased more than XXXX points. Another dispute was started in XXXX XXXX XXXX XXXX. Since then, my credit score improved but my feeling is they are not going to rule in my favor. My last dispute resulted in favor of XXXX XXXX even though I never signed for any furniture. I finally purchased a couch and loveseat locally. This was submitted with other documents to PayPal Credit.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally request the removal of inaccurate information from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681n and 15 U.S.C. 1681i.

Upon reviewing my credit report, I discovered multiple false addresses and names that do not pertain to me. This information is misleading and may negatively impact my credit score. I am requesting that you investigate these discrepancies and remove any incorrect entries from my credit report immediately. 

Please find my personal information below for your reference : Full Name : [ Your Full Name ] Social Security Number : [ Your SSN ] Date of Birth : [ Your Date of Birth ] Current Address : [ Your Current Address ] The false addresses and names that I would like to be investigated and removed are as follows : XXXX XXXX XXXX XXXX, ga XXXX, XXXX XXXX XXXX XXXX, ga XXXX Names XXXXXXXX XXXX XXXX
Consumer complaint received 2017-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I contacted portfolio recovery associates llc to have them validate an unknown credit collection account ( XXXX XXXX XXXX XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor
Consumer complaint received 2021-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NV)

There were XXXX dollars in XXXX charges that don't belong to me. I never had an XXXX  account. I had previously disputed them and the fraud department had recharged them onto my account. Those charges are not mine. I called the chase credit card department and they told the information matches my profile which it doesn't. They were saying the addresses and emails matched and that there were 20 different phone numbers. I don't have 20 different phone numbers. Iv had 2 phone numbers with in several years. It looks like someone used my information to open up an XXXX account in my name. They are saying there are documents that match when I don't even have an account. I was a victim of identity theft back in XXXX. Someone did break into my mail box and steal my XXXX  credit card and ran up XXXX in charges and opened up a charter account in my name. Whoever broke into my mail box back in XXXX could also be using my address. Whoever it is could have all of my information now. My private information was stolen. there was a lot of mail box theft at my previous address where I lived going on. The landlord did tell me she'd look at the cameras but she never did but those chase credit card XXXX charges are definitely not mine and I don't have an XXXX account. Someone's opened an XXXX account Wirth my name and information. I'm being charged for XXXX dollars in charges that are not mine and I also got charged for groceries I never received and it's still reflecting on my chase credit card. whoever broke into my mail box could be living around the same area or apartments as I used to live and there are many different apartment numbers there so it doesn't make any sense when they say the addresses match. And my mailbox was broken Into. It's a big apartment complex. But then again I don't know where these transactions were done at.
Consumer complaint received 2021-02-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

Equifax has on my credit report from what i can see a XXXX  acct ending in XXXX i have attempted to dispute this account as over 7 yrs old and when i file a dispute it updates their system as date last reported as todays date starting the whole 7rs wait over again. then when i spoke with their representative i was advised 2 things first i was told i have 2 accounts which i dont see 2 on my report then i was told that it was part of my bankrupcy which it never was since the last reported payment was XXXX. is account may have been back in XXXX but its been closed for over 12yrs and i want this report remove from my credit report immediately
Consumer complaint received 2021-01-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (SC)

On XX/XX/2020 I mailed a certified letter to Capital Accounts LLC I retrieved the address from my credit report and the letter was returned by to me stating RETURN TO SENDER NOT DELIVERABLE AS ADDRESSED UNABLE TO FORWARD
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Westlake Services, LLC (CA)

Subject : Request for Proof of 1099-C and Removal of Debt from Credit Report I hope this letter finds you well. I am writing to address a matter regarding the debt listed on my credit report, account number [ Account Number ], which was discharged and subject to a 1099-C issuance.

As per my records, I received a 1099-C for the aforementioned debt, indicating that it was discharged. However, despite this, the debt is still being reported on my credit report. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide proof of the 1099-C that was issued for this debt. I believe this documentation will support the removal of the debt from my credit report, as it accurately reflects its discharged status.

Please provide this proof within 30 days of receiving this request. If you are unable to provide the requested documentation, I respectfully request that you promptly remove the debt from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I asked several times over the years for XXXX, TransUnion credit reporting agency for some kind of proof that this bankruptcy from : ( XXXX XXXX XXXX XXXX XXXXXXXX ) Date filed : XX/XX/16 Ref # XXXX This furnish account looks very much like a kid type this out using random letters rather then complete sentences very tacky display please correct this inaccurate information or delete it another thing this account is past the 7-years please delete from my credit report 3rd reason this bankruptcy is not reporting across all three credit bureaus
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (CA)

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2020-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (NY)

On XX/XX/2020 I finished the process of opening an account with Discover Bank. Over the next few days, I deposited into my account what was worth {$2300.00} in checks. On XX/XX/XXXX, I received an email saying my account was suspended due to suspicious activity and I needed to contact Discover immediately. After contacting them, submitting further information to prove my identity, I spoke to several employees. One of them told me she was having specialists assess what was going on and that they would contact me later that day or early the next morning ( XX/XX/XXXX ). By around XXXX  on the XXXX, I had still not received any notification from Discover so I called myself. I spoke to an employee who told me my account had been permanently closed due to a business decision and that they would send a check eventually. Later on that day, I called back to ask some questions, specifically about if there is any way I can find out the exact reason why my account was closed and when I will be receiving my {$2300.00}. The employee speaking with me said that the business decision could be a number of reasons and that the reason why is not disclosed to him. He also told me I need to wait 60-90 days to receive my money. I have received NO correspondence from them about what is going on besides the original email on XX/XX/XXXX. I am not sure what to do, if there is even anything I can do.
Consumer complaint received 2024-10-08
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. (OH)

I am filing an urgent and formal complaint against Experian for their blatant failure to provide verification for fraudulent entries on my credit report. I am a victim of identity theft, and despite my repeated disputes and submission of supporting documentation, Experian has willfully neglected its responsibility to investigate and remove these fraudulent items. 

Fraudulent Information on My Credit Report : XXXX XXXX XXXX Account # XXXX Fraudulent Address : XXXX XXXX XXXX, XXXX, OH XXXX Violations of the FCRA : FCRA Section 609 ( 15 U.S.C. 1681g ) : Experian is legally required to provide the method of verification for any information on my credit report. Despite multiple requests, Experian has failed to produce physical evidence proving the legitimacy of the XXXX XXXX account and the fraudulent address. This is a direct violation of federal law, and I demand immediate compliance. 

FCRA Section 611 ( 15 U.S.C. 1681i ) : Experian is obligated to investigate and correct disputed information within 30 days. Their complete failure to provide any verification or explanation for these fraudulent entries demonstrates willful noncompliance and gross negligence.
Consumer complaint received 2018-04-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Have called over 20 times. The debt is well past the statute of limitations. I have told them many times to place me on their do not call list and they have told me that they refuse to do so. They have threatened to sue on the phone, and then they sent me a letter that they legally can not sue because of the age of the debt.
Consumer complaint received 2021-07-14
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (FL)

For four consecutive months I have contacted Ally both by phone and in online chats for the sole purpose of aligning the due dates on each of my vehicles leased with them. 

I have repeatedly requested that Ally set both due dates for the 4th of each month for the following reasons : 1. The XXXX XXXX is due on the XXXX of each month. However, not every month contains 31 days. 
2. Every month contains at least 4 days. 
3. Social Security direct deposits are made on the 3rd of each and every month. 
4. There is no valid reason that Ally can not make both payments due on the 4th of every month. 

For four consecutive weeks, I have been repeatedly told by Ally representatives that they have made the request to set both due dates on the 4th of each month, that I would receive both an E-nail confirmation and a confirmation via a live telephone call from Ally. 

To date, neither has happened. As you may see from the details just taken from my online account at Ally, every single request has been willfully ignored by Ally. Not one single Ally representative has kept his or her word. 

XXXX XXXX XXXX ... XXXX {$7600.00} {$0.00} {$250.00} on XX/XX/XXXX XXXX XXXX XXXX ... XXXX {$10000.00} {$340.00} {$340.00} on XX/XX/XXXX Total {$17000.00} {$340.00} {$590.00}
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

I just took a look at my credit and noticed that I was being reported as being 30 days past due as of XX/XX/2015. I just looked through my records and do not recall even having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.
Consumer complaint received 2021-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

I just took a look at my credit and noticed that I was being reported as being late on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I just looked through my records and do not recall ever having a late payment with your company. I am not sure if this is some sort of computer error but I have always paid on time and usually before my due date which is why there are no other late payments than this one.
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/XXXX a scammer group posing as XXXX XXXX employees took {$24000.00} from my Wells Fargo account via a wire transfer. I have loaded the letter I sent to the FBI. 

The transfer was from one Wells Fargo account to another Wells Fargo bank account in California. When I realized what had happened I contacted the bank immediately on the same day and froze all my accounts and asked the bank to cancel the wire transfer. 

I opened a case with Wells Fargo a few days later as the money had disappeared from my account the next morning even though I had asked for the transfer to be stopped. 

I was informed by the bank the wire transfer could not be cancelled in time and the account it was sent to had been closed but they had attempted to recover our funds. 

My understanding from a branch employee at Well Fargo was Wells Fargo has insurance that assists customers with reimbursement for their loss from a scam and customers have been reimbursed in the past. 

I am not sure if Wells Fargo does not want to reimburse me or rules have changed and I am not entitled to a reimbursement. 

I have filed complaints and reports about the scam to the FTC, FBI, Attorney Generals for TN, DE and CA as well as having spoken to the adult protective services for our county. The scammers were located in DE, XXXX is in California and I reside in TN so that is why I contacted all the different jurisdictions. 

I am hopeful someone can assist us with recovering our money as the money was part of our life savings. Wells Fargo does not seem to want to assist us any further.