davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-17
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: BARCLAYS BANK DELAWARE (NY)

I was a Barclays credit card holder account number XXXX XXXX XXXX XXXX. On XX/XX/2021 there was a fraudulent unauthorized charge on my account from XXXX. I contacted Barclays by phone and told them I did not authorize or recognize this charge and requested to formally dispute and remove the charge. They did not remove it and carried it over to the next billing cycle with interest. I again notified them by phone and also in writing of this Fraud. I called again on or about XX/XX/2021 and Specifically told Barclays To cancel my card and NOT open a new account. However without my authorization Barclays opened a charge in my name ending in XXXX. Two charges were incurred on this unauthorized charge account totaling {$41.00}. Barclays is now billing me for this including interest. This account was opened without my permission or knowledge. I called again on XX/XX/2021 and spoke to XXXX at Barclays and was told I would not be liable for these charges. I paid off my balance on my previous account ending in XXXX. However I have received bills for account ending in XXXX. I again called Barclays but it was not resolved. 
Account ending in XXXX was opened fraudulently without my knowledge or permission and I should not be liable for any charges incurred.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (IA)

I called my bank to file a claim on some fraudulent charges on my business account. They closed my debit card and sent me a new one. My merchant sends deposits through my debit card and my deposits are missing from theXX/XX/XXXX when I received and activated my new card. My merchant says they have traced the money back to Wells Fargo and they have definitive proof Wells Fargo has not sent back my deposit and has my money. I have spent over 12 collective hours on the phone and been to the bank at least 4 times. Wells Fargo claims they do not have my money. Somehow {$1000.00} worth of deposits is just missing? My merchant is XXXX. I have been with both companies 7 years.
Consumer complaint received 2018-04-03
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: EQUIFAX, INC. (PA)

My wife and I are attaching a copy of the letter we sent to the credit bureaus, asking for a credit investigation. More than 30 days have past, and we have not gotten responses yet. The bureaus are supposed to respond within 30 days.
Consumer complaint received 2018-04-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CO)

I contacted XXXX in XX/XX/2018. I have asked them to provide me with specific information regarding the said account of XXXX. They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. They did not send me a contract between them and the alleged original creditor showing that they in fact do own the debt and or have rights to collect on the said debt. They did in fact send me a falsified document that supposedly came from the original creditor, but when contacted the original creditor had no knowledge of the alleged debt, nor the letter that was sent by XXXX XXXX XXXX, which leads me to believe it is a document they created themselves and used the original creditors information and logo fraudulently. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I contacted Kohls Department Store Card in XX/XX/2018. I have asked them to provide me with specific information regarding the account in question. XXXX They have failed to provide me with the requested information, but instead provided me with a letter stating they have no record of the account in their system. They did not send me a contract between them and I showing that they in fact do own the debt and or that they do indeed have legal rights to collect on the said debt. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is my attornye sending them a letter stating my intent to sue.
Consumer complaint received 2018-04-04
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 Found a new collection on my credit report today from XXXX XXXX I do not have a account With them also did not authorize anyone to open a account with them or any fraudulent account that may have been opened in my name. I am a victim pf Fraud also a security breach. This is not my account .I was given a account opened XX/XX/2017 by XXXX XXXX of {$350.00}, I already have fraud alerts on my credit report which have been in place.I advised the rep this is fraud and I need this removed from all 3 credit bureaus within the next 5 days. Information he verified wasn't accurate. I have no kcontract with this company. I also have a theft report with the ftc
Consumer complaint received 2018-04-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

Wakefield & Associates contacted me about an ambulance bill from provider XXXX XXXX XXXX ( XXXX ) a few weeks after XXXX provided service to me. The date of service was XX/XX/2017. XXXX ( later ) admitted they never sent an invoice to my residence because my insurance had already arranged to pay, as I expected they would, though I was unaware of that fact at the time. 

I was surprised because every other bill I had from that day was covered by my insurance. Wakefield told me to get paperwork from my insurance and forward it to Wakefield so they could bill my insurance. After waiting hours to speak with my insurance provider ( at Wakefield 's behest ), who told me that they did not issue out that paperwork, Wakefield called me again, and I advised them the provider did not give out that paperwork. They then told me to " speak to somebody else at the insurance company. '' I told Wakefield to speak with the insurance provider, which they refused to do, and the call ended with Wakefield stating that there was no resolution between myself and Wakefield. 

I called XXXX to verify that this bill existed, and to question why it was immediately sent to collections. I was told then that it was already paid by my insurance provider, that the matter was handled, that they would NOT call off the collection agency themselves, that I did NOT need to proactively address anything further with the collection agency, and to merely inform the agency the bill was paid if they called again. 

I do not owe any money to XXXX, who has already collected on that debt, or to Wakefield by any right, and I am not happy with the status of this matter because I believe my credit might be adversely affected.
Consumer complaint received 2018-04-04
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: CITIBANK, N.A. (GA)

My Citibank XXXX was charged {$50.00} onXX/XX/XXXX. I disputed the charge and a temporary credit was posted to my account. Citibank " investigated '' and claimed their investigation indicated that the charge was legitimate. The {$50.00} was reposted, as a charge, to my account. 

I called in lateXX/XX/XXXX and spoke with XXXX who told me that it was a XXXX charge and he provided name, address, transaction number, etc for the charge [ details are provided in attachments ]. I never made such a XXXX transaction and had no knowledge of the person identified. I sent [ via USPS ] Citibank a copy of my XXXX account fromXX/XX/XXXX to XX/XX/XXXX, listing every transaction ( there were only three in a two year period and NONE inXX/XX/XXXX! ) and none anything close to the amount or the date of the disputed charge in XX/XX/XXXX. I have called Citibank four times requesting that the {$50.00} charge be removed from my account and posted as a credit. I have three letters [ datedXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ] stating different departments have responsibility -- basically I simply get bounced around from " dispute department '' to the " lost/stolen card department '' to the " fraud department '', with promises of a callback. I have been waiting for a callback for 2 weeks -- just from my most recent inquiry. 

Are credit card companies not required by law to post a credit for disputed/fraudulent charges while the issue is being investigated? 

[ All this during the same time that Citibank had an internal security breach and had to issue all credit holders new cards with new numbers! ]
Consumer complaint received 2018-04-03
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. (TX)

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX XXXX : XX/XX/2018
Consumer complaint received 2018-04-04
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: MiraMed Revenue Group LLC (IN)

I called the number listed on my credit report for Miramed XXXX XXXX numerous times ; however, I still have not received any correspondence regarding the alleged debt. The fifth or sixth time I called a lady offered me a tax deal where If I paid one lump sum that they would write off the remainder of the debt but she couldnt tell me anything about what the debt is for. I have never had a contract with Miramed and believe they made an error that is greatly affecting my credit. Please help.
Consumer complaint received 2018-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (KS)

I have contacted them by telephone and submitted several times of disputes on credit report exsplain I was a victim of idienty theft before the hard inquiry was removed from my credit report but the collection still remains and the XXXX XXXX is a debt collector agency and has not yet contact me with
Consumer complaint received 2018-04-03
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. (MD)

In the months of XX/XX/XXXX-XX/XX/XXXX, I was going thru some financial hardship and could not afford my car anymore, witch was a ( XXXX XXXX XXXX XXXX XXXX ) I then reached out to my auto loan company witch was autouse/autoloan/lease and rental management. ( weird ) to VOLUNTARY SURRENDER VEHICLE the vehicle was then picked up some time in XX/XX/XXXX and at the end of XX/XX/XXXX the account closed and listed the vehicle on my credit report as an INVOULUNTARY REPOSSESION, and is being reported to XXXX, XXXX, and experian as such, and is totally inaccurate, the other problem is in XXXX XXXX I noticed two 30day lates added to my credit report after the closing of account in  XXXX XXXX.My most major issue is I have not received all the required notices such as NOTICE OF SALE, as of XX/XX/XXXX my credit report still has a balance of XXXX dollars.XXXX  is reporting no payment history on this account at all, XXXX, Experian all are reporting inaccurate account iformation on this closed account, And are also in violation of the FCRA section 611 as well as my prior auto loan company, autouse/autoloan/lease and rental management corp.Ive also disputed with all three CRA 's with no success in witch I will continue until I will have no choice to take other action with all parties.my ability to obtain credit has been hard because of this.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC. (TX)

I have a recorded phone call, XXXX XXXX XXXX XXXX  contacted me on Monday, XXXX XXXX, 2018 at XXXX on a cell phone XXXX. When I asked the representative to identify the company she refused. I never verified my identity. She stated she could not release the name of the company. I asked her not to call me, i told her this is a cell phone and she does not have the consent to call me, and she responded that she will not remove my number and they will be calling me again. I asked for a supervisor, the supervisor came on the line and released his name and the mini XXXX without me verifying any information. I told him to remove me from the list and that I will be sueing the company if they did not remove my number because it is illegal for them to call my cell phone without consent. He said he will not remove my number and argued with me about removing the number. When I said I would sue the company he responded " You have enough money for an attorney but you can't pay this little XXXX XXXX? '' Again releasing personal information to an unverified party.
Consumer complaint received 2018-04-03
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: AMERICAN EXPRESS COMPANY (TX)

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen. I filed a police report and have attached it to this complaint. My credit file was accessed without my knowledge or approval online without me being physically present and showing an ID. I did not authorize the credit inquiry on the following dates from the following creditor : American Express XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-04-03
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. (TX)

I am a victim of identity theft. Several years ago my office was broken into and several ID documents were stolen, including my passport and driver 's license. Several accounts were opened in my name after the theft. I filed a police report and have attached a copy of the police report and a copy of my passport to this dispute. 

Three accounts remain on my credit report from this identity theft even after disputing them and receiving notification from the creditors that they would be deleted. 

XXXX XXXX XXXX CC # XXXX XXXX XXXX informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX this negative account that was opened due to identity theft remains on my credit report. 

XXXX XXXX XXXX  XXXX XXXX XXXX  informed me via the Consumer Financial Protection Bureau that they believed I am a victim of fraud. Even with this declaration from XXXX XXXX this negative account that was opened due to identity theft remains on my credit report. 

XXXX/XXXX  XXXX XXXX # XXXX This debt collector informed me via the CFPB that they were sending a deletion request to the three credit bureaus asking for this to be deleted from my credit file. It still remains on at least one of the three reporting agencies. 

The following inquiries are showing on my credit report and were authorized without my knowledge or consent and are a result of identity theft : XXXX XXXX on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NJ)

I spoke to Chase Credit Card and asked them to remove the late fees because I paid all my credit cards automatically. I spoke to them about the late fee which they mentioned was in error and they took it off, but now they are just leaving the lateness on my credit report which is wrong. 

I called them and informed of the situation, which no body is ready to resolve it.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

Transworld Systems , Inc is a debt collector for XXXX. In XX/XX/XXXX I moved from XXXX to XXXX and paid all utility bills in full prior to relocating. In XX/XX/XXXX I noticed XXXX added a collection account to my credit. I disputed this information with XXXX and provided my proof of payment in full. They removed their account but in turn sold the account to Transworld Systems , Inc in XX/XX/XXXX. In XX/XX/XXXX I signed up with a Credit Counseling company called XXXX and I provided Transworld Systems , Inc with a certified letter asking them to validate this debt within 30 days. They never provided the information but removed the erroneous information from all 3 credit bureaus. On XX/XX/XXXX, I received an alert from XXXX XXXX that a new collection account is on my credit and my score dropped 15 points. This new collection account is from Transworld Systems , Inc with an original creditor as XXXX. I have been disputing this for 4 years and initially XXXX removed it but sold it to Transworld Systems, Inc. I disputed with Transworld Systems, Inc and they removed it since they couldn't validate the debt and now this is the 3rd time this has appeared back on my credit file. I have not received any letters in the mail or received any phone calls from a live person to discuss this since I spoke with XXXX in XX/XX/XXXX. Transworld Systems , Inc and XXXX are working to erroneously add items to my credit without following any of the CFPB regulations regarding reporting delinquent information to the credit bureaus. Considering they removed the debt twice after receiving certified letters from me, proves the debt is not valid so I am not sure why they would legally be allowed under any CFPB or Fair Credit Reporting Act to continue to add erroneous items to my credit report after they have been disputed and removed.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

In XX/XX/2022, I got notified by my XXXX XXXX card that my credit score had dropped significantly due to a late payment. 
After further investigation, I found that my XXXX card was the issue. I called the number on the back of my card and it routed me to XXXX ( with whom I had never had any interaction ). XXXX had trouble finding my account because my XXXX card number had changed - without my knowledge. 
A representative from XXXX told me that they had mailed me several notices that they were now the XXXX of XXXX credit cards. 
I explained to them that I had elected to have all of my XXXX  correspondence be electronic as I travel XXXX XXXX  of the time for work ( GAP also strongly encourages their customers to sign up for electronic correspondence ). I had also recently moved. XXXX stated that they only notified card holders via regular mail. 
When I explained that without receiving any electronic correspondence and having my payments set up to automatically come from my bank account, I had NO clue that the administration of my XXXX  account had changed and I needed to make payments to them. The representative stated that there was nothing they could do to fix the error of reporting a late payment to XXXX, even though I had no knowledge of the change. 
If XXXX  wants all of their customers to sign up to receive all of the correspondence electronically and then fail to electronically notify me that I need to make payments to another company, I should not be penalized. 
I asked that the issue be escalated, and spoke with a supervisor who told me they can't correct the credit reporting error. 
I paid the account in full, and closed the account. 
I am formally requesting that the late payment report from XXXX to all 3 credit agencies be removed immediately.
Consumer complaint received 2018-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (GA)

this is my 3rd attempt to correct this issue please see attached response from ARS attorney stating he will not delete bankruptcies vs the response he stated on complaint with CFPB # XXXX, where he stated if CFPB request that they delete inaccurate information of bankruptcies he will do so
Consumer complaint received 2021-12-07
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. (IL)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXXE data breach and may have gotten into the wrong hands.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX multiple occasions, including XXXX, I identified issues with my XXXX XXXX account on my XXXX credit report. Specifically, the account shows a status of XXXX XXXX as of XX/XX/year>, with a balance of {$33000.00}. However, I previously disputed this information and provided documentation, but the account remains incorrectly reported. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX and XXXX are required to accurately verify any reported information within 30 days of the dispute. Since this obligation was not met, I request that this charge-off be thoroughly investigated and removed if it can not be substantiated. Additionally, I request that any negative impact on my XXXX XXXX due to this erroneous charge-off be rectified immediately.