davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
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)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
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Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2021-11-17
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. (CA)

Hello I hope all is well with you. On XX/XX/2021 I had sent in my third letter regarding inaccurate and not known to my knowledge things on my credit report. I sent my first letter on XX/XX/2021 and another letter on XX/XX/2021. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.
Consumer complaint received 2024-11-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION (NC)

On XX/XX/year> I attempted to open a Business Checking account with Truist Bank in XXXX, NC. I funded the account with {$27000.00} check from the sale of company vehicle to XXXX XXXX XXXXXXXX XXXX in XXXX, NC. 
I was initially informed that a hold would be placed on the check for ( 10 ) business days, and the release date would be XX/XX/year> or before pending validation of the check. 
On XX/XX/year> after contacting Truist customer service I was informed that my account was flagged for fraud, and given a contact number to the fraud dept. for further information. 
On XX/XX/year> I contacted the fraud dept. for information about the potential fraud, on that day I was informed that my account was placed on administrative hold for possible fraud until XX/XX/year> or indefinitely until investigation was completed. On that same day I submitted a complaint, for XXXX profiling due to Truist Bank Fraud investigation with no legal justifications. 
On XX/XX/year>, I entered the XXXX XXXXXXXX Truist facility in XXXX, NC to obtain more information about the possible fraud associated to my account. 
I was informed that the account was flagged for possible fraud, and the account was on hold indefinitely or until investigation was completed, I filed another complaint because of the institutions lack of transparency. 
Later that day XX/XX/year> I was informed the account was being closed, and Truist was ending their relationship with my business, and the funds were being held indefinitely, with no legal justifications were ever given. 
I later contacted XXXX XXXX XXXX XXXX to attempt to apply a stop pay on the deposited check, at that time, I was notified that that check had already been cashed by Truist Bank.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I filed a FTC Report # XXXX for possible identity theft. I also contacted the creditors and credit bureaus. Via mail and phone several times. With no resolution. These inquiries are hurting my credit. I also placed a fraud alert... I did not apply for credit with any of these companies! I need these inquiries removed immediately... 

Inquiry an date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-06
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. (TX)

FCRA Violation : address not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX. FCRA Violation : employment not mine XXXX, XXXX XXXX XXXX XXXX XXXXXXXX. FCRA Violation : never late paid in full should not be a charge-off status XXXX {$94.00}, XXXX XXXX XXXX FCRA Violation : credit card not mine XXXX XXXX XXXX {$170.00}. FCRA Violation : collections not mine XXXX XXXX XXXX XXXX {$5900.00}, XXXX {$240.00}. FCRA Violations : hard inquiries not mine 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 2021-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FISERV INC. (NC)

Money network owner by XXXX. Web site is basic and only has simple feature. Money network 's mobile app is need to transfer money in between savings AKA XXXX XXXX  account and checking. Can not access app to manage funds and transfers. Customer Service can not move money for me and has not offered a explanation or anyway to resolve it. App freezes when logging and and can not used the app at all. Every customer is having this issue and they are not helping anyone. They also locked me out of my account for a fraudulent charge but did not send any email, texts or called to notify me.
Consumer complaint received 2018-01-15
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: Bread Financial Holdings, Inc. (NJ)

XXXX XXXX is still reporting that this account is mine. It is not they have recieved police reports and have spoken with me personally this account was opened online and was charged off they also filed a lien against me, as it stands right now there is " no contract '' and should be removed from my credit report. Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX keeps attempting to collect a dept and attach my wages for a debt that was included and cleared in a bankruptcy, they have recieved proper paperwork showing they also have sold my account to another agency as it stands today there is " no contract '' with them and this credit line should be removed from my credit reports. 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX also is still appearing of my credit reports, this again was an account that was opened online and is not mine. As it stands today there is " no Contract '' with this company and should be removed from my credit
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report. I am a victim of identity theft stemming from a recent data breach, and these items were added to my report fraudulently. Under the Fair Credit Reporting Act ( 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) ), I am entitled to have these unauthorized items blocked and permanently deleted from my credit report. 
Fraudulent Accounts : XXXX. XXXX Account XXXX XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$310.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} Fraudulent Inquiries : XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Date : XX/XX/XXXX
Consumer complaint received 2018-11-04
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: First National Collection Bureau, Inc. (CA)

I received a letter from First National Collection Bureau , Inc on XX/XX/2018. It lists the current creditor as XXXX XXXX and claims the balance is {$3000.00}. They advised me in this letter that a judgment was entered against me and has been placed for collections. They claim that I am being charged interest daily and I have 30 days to dispute this. I do not understand how a judgment was entered, without my knowledge of this. To my knowledge, I have not received written correspondence from this company or the original creditor regarding this debt or the alleged judgment. I am researching here in California about credit card debt, collections agencies, judgments as well as statute of limitations and FNCB. This has not appeared on my credit reports, that I am aware of. Am I disputing this? Absolutely I dispute this. I am unsure if I should call FNCB to ask for written correspondence about this debt, with the name, address and account number, along with the name of the courthouse and Judge that issued the judgment. I understand that predatory lenders may try to trap you or get you to say things and I hesitate to call directly because of this. My understanding is that debt has a 4 year statute of limitations in California. I also understand that predatory companies will file against people without their knowledge, hoping to get a judgement. I believe this is what has been done to me. How can a judgment be entered without ever contacting me or serving me papers? I have blocked out any personal information as this website advises.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2022-06-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (FL)

In XX/XX/XXXX I contacted Sallie Mae. I was out of the country and am at a new job where I was having payroll issues. I contacted them asking for advice. I was informed that there was no help online and that I needed to contact repayment center by phone. I didnt do this as I was able to sort my payroll out before being charged any fees. A couple of days later I was informed that my forbearance was rejected. I never applied for one and do not feel comfortable being applied for forbearance without my consent as this could damage my record when it comes to releasing my co-signers. I asked for them to rectify the situation and send me a letter taking back my forbearance request. My co-signers were very angry as they thought I applied without their consent. I was supposed to receive a letter. I asked when I would know the status and the agent then informed me it would be sent no matter what. After 2 weeks I contacted them to be informed my letter was rejected, the customer service rep was very unhelpful and kept telling me that since I wasnt on forbearance it didnt matter. I asked her to escalate the situation and instead she just kept saying that I didnt contact them to get forbearance. Overall it seems like the company does not care about any of their shady practices because they are just too big to fail. I want a letter of apology to be sent out and any mention of me applying for forbearance to be erased from XX/XX/XXXX because it is a lie.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As per the guidance from the consumer financial protection bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to debt bondage, which falls under trafficking according to trafficking-debt final rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you remove and BLOCK this information from my credit report within four business days, pursuant to section 605C of the fair credit reporting act. 


Please delete 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 2022-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (PA)

XX/XX/21 placed order from XXXX. 
XXXX was sent email 2 refunds were issued. {$830.00} and {$2000.00} no refund ever issued. 
XX/XX/21 contacted XXXX and many times after that via phone email and online chat and never was returned anything. 

XX/XX/21 ordered from XXXX  {$1800.00} XX/XX/21 website states refund issued. then it says waiting on return and also says declined. got email also from XXXX  stating items will be returned which means they got the returns and never returned them. proof XXXX  is lying. 


XX/XX/21 placed order jag alliance {$910.00} so far no investigation done. 

wellsfargo called me but gave no reasons to why the denial. they claim XXXX wont turn over to them lebels or pictures of anything to prove items weren't returned but documents show they were. wellsfargo didn't ask or even demand proof of anything that was claimed. wellsfargo is suppose to be working for the card holder not the store. 

I am asking for all three charges to be refunded. I am asking for emotional destress. I am asking for any credit scores to be fixed. I am also asking for card to be turned off with no credit score changes and the balance to be delted to zero as part of the emotional destress. If wells fargo doesn't want to rectify this matter we will seek court action for the charges and damages also unfair credit reporting act. I will not play games with these companies anymore.
Consumer complaint received 2021-04-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CreditNinja Lending, LLC (UT)

Received collection notice on XX/XX/XXXX for a {$300.00} loan originating from KMD Partners LLC XXXX CreditNinja XX/XX/XXXX with a due date of XX/XX/XXXX. My identity must have been stolen to obtain this loan, since I personally had never applied for the loan or received any of the proceeds. Also, the collection notice was the first time that I was contacted or became aware of this issue. 
I contacted the collection agency, current creditor ( XXXX XXXX, XXXX, and KMD Partners regarding the issue and it appears that the issue is still unresolved.
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TN)

I have a Paypal issued credit card through Synchrony Bank. I have had the card longer than the 6 month trial period, so when I make a payment through their website, the user agreement states it will be applied within 2 business days. Synchrony does not apply my payments -- they state they are " large payments '' ( {$2000.00} ) and therefore subject to holds. This is not in the user agreement. The user agreement states the following for online payments : " Your Payment will be credited to your Card Account on the day when you make it, but may not be displayed on your Card Account for up to 48 hours. Subject to our receipt of funds from your payment, your available credit will be updated within two business days of the Payment Date. '' Every time I make a payment in the {$2000.00} range, they continue to hold that payment for what can be a week or more, not applying it to my balance. This is a business credit card, and I need my funds to run my business. I have to continuously call to get the funds released. They do not seem to have any right or permission to NOT apply these payments within 2 business days. I am requesting the CFPB contact Synchrony Bank to let them know they are breaking their user agreement and to stop putting holds on payments. 

Also, my credit limit is {$3500.00}, so making a {$2000.00} payment should not be suspicious or a large amount that has to be held. They are using my funds to accumulate interest. This is in their interests, not mine, and breaks their user agreement.
Consumer complaint received 2024-10-06
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. (TX)

I am writing to dispute the documentation provided regarding my mortgage account. Specifically, I noticed that the Notice of Furnishing Negative Information you have on file is from XXXX XXXX XXXX XXXX, not from XXXX. This raises concerns about the accuracy and validity of the information being used. 

I request that XXXX provide proof that I signed a Notice of Furnishing Negative Information specifically with XXXX. Additionally, I would like documentation showing that XXXX contacted XXXX XXXX XXXX XXXX. to verify all payments received and transferred correctly between the two companies.

Please send me this proof at your earliest convenience, as the current documents appear unverified and inaccurate.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documents soon.
Consumer complaint received 2018-11-04
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

XXXX # XXXX placed on XXXX was returned because I was sent incorrect style of sunglasses, purchase date shows as XX/XX/XXXX on statement. The item was returned via USPS parcel return service on XX/XX/XXXX, it it still unclear if a refund will be issued or not, the phone rep I spoke with earlier said it is being worked on but had no other information. This is not the first time I've been sent an wrong item, XXXX XXXX has sent me items in the past which have turned out to be wrong item/style. I emailed a XXXX XXXX on XX/XX/XXXX requesting a refund in advance of receipt of item due to situation, wrong item sent. She referred me to a XXXX, I left her a voicemail on XX/XX/XXXX, did not call me back and it is now XXXX. I request Capital One, the bank whom issues the card I placed order on, to dispute the charge with the information I provided above. They should be able to track the return through XXXX XXXX and the order number I provided, the return label was provided by the company.
Consumer complaint received 2017-04-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LD Holdings Group, LLC (MA)

Loandepot has repeatedly used " robo-calling '' and deceptive tactics to collect a debt. They continuously attempted to deceive through various recorded phone messages left on my cell phone, after they had asked and were denied the right to automated call or text my cell phone.
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

I called my bank Wells Fargo after noticing that my bank was being charged for multiple locations when I was at work. During my break I went to a XXXX XXXX  and by mistake left my card in the card holder. The man who wad standing behind me was a little to close when I was paying, so I feel like it was him who saw. I went back to work and didn't notice I had left my card there. While I'm working I noticed a charge for almost {$300.00} at a XXXX XXXX XXXX XXXX XXXX, and then I notice that {$200.00} was taken out from an atm and then another {$200.00} and {$10.00} dollars from the gas station were the atm was, I immediately locked the card and put it as fraudulent but the person who stole the card still kept buying at other locations even if the card was locked. I called the bank and they said they can't do anything about it since the pin was put in, but it was not me I was working. Yet the bank still charged me {$35.00} dollars 4 times for being negative on my account, when it wasn't even me. My complaint is that the bank does not want to run an investigation, or give me my money back for the {$850.00} dollar charges that were not made by me. I was robbed of that money by a person who committed the fraud. It is unfair to me that the bank does not care.
Consumer complaint received 2022-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MD)

Received 1099-C Cancellation of Debt for the amount of {$4900.00} from Wells Fargo Bank XXXX XXXX XXXX of the form states Wells Fargo made the decision or policy to discontinue collection. Wells Fargo has not contacted me and this debt is not on my credit report ( XXXX ). 

I called Wells Fargo Bank, N.A. and was informed that the debt was for the year XX/XX/2012, XXXX YEARS ago. I requested documentation for this debt and the representative could not provide it.