davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

This company PHOENIX FINANCIAL SERVIC doesnt have any information about me social security number, date of birth, they not even have my name, they trying to collect money from someone named XXXX XXXX and thats not my name, this is a hospital bill and I never was in any hospital never in my life, never used any medical service and I never was sick of anything, so I dont know who this people are, they dont have any information about me and I never sign any paper, I dont know who they are, they keep reporting to the credit report that I have a debt but thats false information I am the wrong person, I called them and dispute the account many times and I get the account erased but they keep reporting and the last time equifax and transunion erased the false info but XXXX did not And now I am frustrated
Consumer complaint received 2020-08-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

THERE IS A FRADULENT STUDENT LOAN SHOWING ON MY CREDIT REPORT THAT SHOWING AS IF IT WAS CHARGED OFF BUT IT NEVER HAPPENED, I CALLED US DEPARTMENT OF EDUCATION THEY ARE TELLING ME, ON THEIR END THEY DO NOT SEE ANY ACCOUNT, HOWEVER THESE CREDIT REPORTING AGENCIES ARE NOT EVEN DOING ANY INVESTIGATION AND KEEP THE NEGATIVE ACCOUNT ON MY CREDIT REPORT
Consumer complaint received 2020-08-20
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. (GA)

I have sent in a dispute regarding my XXXX XXXX XXXX XXXX report to experian a total of 3 times in the last 90 days. Each month I send a letter ( Certified / signature required ) requesting them to correct wrong information and verify / update with correct information. Each month they send me a response that doesnt match my request in the letter provided. XXXX XXXX has confirmed to me that my account is not late and should be reported as never late. They have confirmed this several times. Experian refuses to report accurate information. Today I contacted Experian by phone and they were very rude to me. The agent XXXX was rude and very short. She explains that they do no verify that information is correct. Nor do they read my letters and complete the investigation as requested. She confirmed that the dispute department simply relies on what their computer systems tell them. These errors on my report are hurting my credit score. I believe experian profits on minimizing consumer scores for monetary gain from creditors that prey on challenges credit scores.
Consumer complaint received 2023-04-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (WA)

I have had nothing but issues with the American Express Serve Prepaid product. I was locked out of my account ( I complained to the CFPB and they responded indicating they had unclocked - it was unlocked for one day and has been locked again since ). I can not reach anyone for assistance. I would like the account closed immediately and a paper check mailed to me with the remaining account balance.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year> XX/XX/year> XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action,
Consumer complaint received 2020-08-02
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. (NC)

I previously sent XXXX three dispute letters letting them know I was a victim of identity theft and to also remove the bankruptcy that was on my credit report that Equifax and XXXX have already removed from my credit reports. As a result of me being a victim of identity theft, I placed a security freeze on all three of my credit reports and also XXXX so I completely don't know how TransUnion is verifying that this account is accurate and it belongs to me because I also have a copy of the fraudulent identification card that's attached to that bankruptcy address that I never lived at.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (FL)

I cancelled my citi card about a year ago. I was finally in a position to pay it off in full, so I called. I was told to send {$6500.00} and all business with Citi would be complete. I sent the full amount and my latest statement clearly paid in full. However, Citi is trying to scam me by sending a bill for {$30.00}. Im told by their csr, " that represents the interest while we waited to get your payoff check ''. Give me a break! What kind of a low life company is this?
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-08-20
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: EQUIFAX, INC. (TX)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX XXXX : XXXX Equifax Credit Services Dispute Inquirys Dear Equifax Credit Services, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 Texas XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX   XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX
Consumer complaint received 2020-08-19
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (FL)

I started working with Freedom Debt Relief to settle 7 debts valued at {$67000.00} in XX/XX/XXXX. Included in those debts were creditors XXXX XXXX, XXXX XXXX, and XXXX Card Services. I found out later that these creditors do NOT work with debt settlement companies a fact that was confirmed when all three creditors filed lawsuits against me. I ended up paying XXXX XXXX in full, negotiating with XXXX Card myself after entering into a settlement agreement. In XXXX, XXXX, I called Freedom Debt Relief to ask how much it would cost to settle up the four remaining debts and get out of business with them as I was very dissatisfied with the service they provided. They told me the amount was {$19000.00}. I cashed out my XXXX to pay them and my other creditors off. The payment cleared their accounts on XX/XX/XXXX and to date they have not paid out all the monies to the 4 creditors they actually had settlements for. In addition to add insult to injury, they attempted to withdraw an additional {$540.00} from my account AFTER receiving my payment of {$19000.00}. I would like to get my settlement fees refunded to me because I am really not sure what I paid over {$10000.00} for. My credit was destroyed ; my good name was sullied because of multiple lawsuits ; my future has been impacted by me taking money out of my retirement account just to climb out of this mess. These people should not be in business.
Consumer complaint received 2020-09-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent a lot of dispute letters to this credit report bureau, explained that the late payment appears on my credit report on XX/XX/XXXX, is incorrect. because i had called the bank itself a head of time acknowledged them about a financial hardship for that specific month which makes me pay in two portion, 10 days later. and i was promised that they will consider the good relationship with me as their customer and will not report that to the credit bureaus as a courtesy. but i was shocked after i obtained a copy of my credit report showing that late payment. so i disputed it with the credit bureau, also with the creditor itself, ( XXXX XXXX ). but instead of correcting that mistake they added a new late payment for the XX/XX/XXXX, while we are in XXXX i was told by XXXX XXXX through my phone calles, that they have already sent the deletion request to the credit bureau. but after 5 months waiting, calling, sending letters, i see no respectful results.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NM)

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan XXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$990.00} XXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX hard inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2020-09-22
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from TOYOTA FINANCE LEASE from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors. 
3 different open dates reported ; 3 different date of last activity dates reported ; XXXX reports XX/XX/XXXX ; but XXXX  reportsXXXX, and XXXX  reports the DOLA as XX/XX/XXXX. Impossible!!! 
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status. 
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE FROM MY CREDIT REPORT!
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2020-09-21
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: CITIBANK, N.A. (CA)

On XX/XX/2020 I notified XXXX  that my account balance was incorrectly being reported on my credit report. It had apparently not updated. 

On XX/XX/2020 I was notified by email that the investigation was concluded and XXXX   deleted the entire account and corresponding trade line. 

I never disputed the account as not mine or requested that it be deleted ; rather the balance updated as appropriate. 

Now correct and factual information has been deleted from my credit history with XXXX.
Consumer complaint received 2018-07-23
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: EQUIFAX, INC. (CA)

Recently checked my score, hoping to see that it changed for the better after I paid off a bill and got new credit card.Instead I see my credit score was a XXXX. Literally.I can not get no one to explain it to me.I see the bill I paid off completely is on there twice!  All this is happened this year.
Consumer complaint received 2020-08-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/XXXX, I went to a XXXX  XXXX  store applied for the credit card their lender is Wells Fargo and I was denied credit. on XX/XX/XXXX I received the letter with a message stating " Unable to authenticate identity of applicant '' so I contacted Wells Fargo for further explanation regarding this and which information will they require to consider my credit card application, upon discussing the agent states they use " systems '' that if information doesn't match the system they can't move forward with the application to review my report and confirm the accuracy such as addresses, phone number, fraud alert. I immediately pulled a copy of my report on XXXX the only thing in my report is this under the special messages section " INPUT SSN LIKELY NOT ISSUED PRIOR TO XX/XX/XXXX '' this is because I became officially a legal resident of the USA as of XX/XX/XXXX, the problem that I am having with this company is because my wife who is a citizen of the United States share same accounts in our credit report and to my surprise she applied the same day as me and she was approved immediately even though our credit history is similar due to our joint lines of credit, I have excellent credit 0 negatives remarks and no fraud alerts for them to state " they need to confirm my identity '' and that I can't even provide them my information to validate my identity I feel discriminated, I only have one address and that is my current, I looked at phone numbers it only contains my wife 's and my cellphone number I feel this is credit discrimination due to being qualified for the credit card my score is XXXX and no real explanation has been provided to my person. Thank you for your assistance and take my complaint. this is not against XXXX  because my report is accurate this is against WELLS FARGO BANK N.A
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX XXXX ; XXXX XXXX, XXXX, AR XXXX Reported For : ACCOUNT ABUSE ; Reported Name : XXXX XXXX XXXX Reported XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported SSN/ID : XXXX Drivers License : State : Date Reported : XXXX # : XXXX / XXXXOriginal Charge Off Amount : $ XXXXClosure Status : UNPAIDClosure Status Date : XX/XX/XXXX This account was settled in XX/XX/XXXX.
Consumer complaint received 2020-09-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affiliated Management Services (MO)

Received a notice today from Affiliated Management Services XXXX XXXX About a debt from XXXX XXXX XXXX XXXX XXXX. No one has seen any XXXX  in years. AMS directed us to contact XXXX XXXX. 

When speaking to XXXX XXXX they said that they sent a bill 42 times. The original debt, from 2016. This is absurd since we both had insurance, and XXXX  account, and never received any notice. When asked for the original bill or copy, we were told no since the attempt had been made 42 times allegedly. There would be no copy sent and since it was sent to collection it was out of their hands. 

Our concern is if this is a valid bill, we can't verify. We presume it was for a XXXX during that year but since it is so long ago it's hard to verify much less correct something that may have well been a billing issue ( sadly, insurance has since changed as well ). 

So now we are stuck with a debt in collections that we can not confirm is even ours, confirm that this is outside of the co-pay much less the deductible for that year. Worse, the XXXX money that could have been used is gone and current monies can not be used against this.
Consumer complaint received 2024-10-25
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (UT)

I am writing in response to your letter regarding the XXXX XXXX XXXX associated with my XXXX XXXX XXXX XXXX. While your letter stated that a XXXX XXXX  was issued on XX/XX/2024, it has not been added to my XXXX account, and I am still unable to redeem it. 

Thank you for your response regarding the XXXX XXXX XXXX associated with my XXXX XXXX XXXX XXXX. 

While you confirmed that a XXXX XXXX was issued on XX/XX/2024, it has still not been added to my XXXX account, and I am unable to redeem it. My XXXX XXXX number is XXXX, and I request that the certificate be linked to this account promptly. 

I have been patient in awaiting a resolution, but this continued delay is unfortunate. Please prioritize adding the XXXX XXXX to my account this week. 

Thank you for your attention to this matter. I look forward to confirmation that this has been addressed. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc. (NV)

I have an auto loan with Camax Auto Finance. My account number is XXXX. I filed a complaint last month that while I sent my payments in timely, they were not posted timely and a late payment letter was sent. For that complaint, XXXX XXXX from Carmax responded with the same drivel, that I " enroll '' in their auto deduction plan. 

It has happened again this month. I electronically sent in my payment from my bank to Carmax and it was paid to them on XXXX XXXX, 2020. The payment was due XX/XX/2020 and there is a 10-day grace period. Today, on XXXX XXXX, 2020, I received a letter from them dated XXXX XXXX, 2020, that I have not made my payment, that this may be reported to credit bureaus, and that the payment I now owe includes a {$15.00} late charge. 

I DO NOT WANT TO ENROLL IN THEIR AUTOPAYMENT PLAN. I HAVE NEVER BEEN LATE WITH A PAYMENT. I WANT THIS XXXX TO STOP AND ASK THAT YOU DO SOMETHING TO HELP ME RESOLVE THIS ISSUE WITH THIS SHAM COMPANY.