davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/1991 Social Security Number : XXXX Current Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo blocked my ability to send payments but would not tell me why. They lie and obfuscate. I launched three separate inquiries with them over the blocking of my use of XXXX XXXX XXXX XXXXand each time they told me they could not help and I would have to talk to XXXX. They would not help me get the use of it reinstated and acted like they had nothing to do with it. XXXX says it was all Wells and that they can not help me and I have to go talk to the bank. Neither one will help me, neither one will give me a straight or honest answer as to why it was blocked. Each one says it is the other. I think it is wrong to block a customers access to the service and lie about it. They should have to be transparent because it is my access to service and my credit that is affected. I have since moved nearly {XXXX XXXX  out of Wells Fargo after 30 years of being a customer. And XXXX should not be able to block me without explanation. Both companies are not acting with responsibility or transparency and are breaking the public trust when they are allowed to do business like this and not be held accountable. I have been very inconvenienced and put in a bad position as I have been able to send payments for months.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Synovus Bank (FL)

I have a checking account XXXX and an equity line at synovus. In XXXX they started auto drafting the equity loan payment from my checking account. I do not want this. Did not authorize it and was unaware this was happening until I received my XXXX statement. This was done without my knowledge or authorization.
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I was served ( my husband was actually served ). There is a statement with no details attached to the summons. Upon investigating with XXXX XXXX, they have started a fraud investigation. The summons and the account are not my name. 
When I say May name is not XXXX XXXX, Portfolio Recovery refuses to talk with me. I was advised to file a complaint with you.
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDMAN SACHS BANK USA (CA)

I hope you are doing well as I write this. I'm writing to express my worry about the recent late payments made to my credit card company. I sincerely ask for your help in reviewing my account and appreciate your quick attention to this subject. 

Over the past few months, I have experienced unforeseen financial challenges that have impacted my ability to make timely payments on my credit card. I take full responsibility for the late payments and understand the negative consequences they may have on my credit history. I value my relationship with the Credit Card Company and have been a loyal customer for years. 

APPLE CARD/GS BANK USA XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the APPLE CARD/GS BANK USA customer service representative XXXX 

I am reaching out to request your understanding and consideration in removing the late payment entries from my credit report. I assure you that this situation is temporary, and I am actively working to improve my financial stability. I have taken steps to address the challenges I faced, and I am committed to ensuring that my payments are made on time moving forward. Thank you for your understanding and cooperation. I look forward to hearing from you soon.
Consumer complaint received 2018-10-19
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. (AZ)

" " '' I have disputed this collection on this XXXX XXXX  for months.XXXX  and XXXX have

reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE ACCOUNTS THAT I AM DISPUTING DO NOT BELONG TO ME. THEY ARE A RESULT OF IDENTITY THEFT/ FRAUD. PER 15 USC 1681B YU ALL CAN NOT FURNISH INFORMATION THAT I DID NIT AUTHORIZE LET ALONE WRONG INFORMATION AT THAT. I AM ASKING FOR YOU ALL TO INVESTIAGTE THIS MATTER AND REMOVE THESE FRAUD ACCOUNTS ASAP!
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I have tried to send my disputes to the XXXX credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-03-16
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. (IL)

These accounts was charged off on ( XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) since then the account has repeatedly been updated as charged off every month. This is an update in the payment history.a charge off account should include an active payment history. Inaccurate information falsely manipulate the statute of limitations. Credit bureau failed to investigate these accounts properly and there neglect has violated more than one rights listed below. 
15 us code 1601,15usc1681e ( b ), FCRA section 605 ( c ) ,15usc1681i,
Consumer complaint received 2023-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (MI)

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with Charter communications, THIS DEBT IS NOT not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report.

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft.

All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform CHARTER COMMUNICATIONS bank that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-06
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. (CA)

XXXX XXXX has failed to verify the debt that they claim I owe for XXXX  I am currently paying XXXX  directly for my account and do not believe to owe them nor do I have any type of contract with them. The credit bureau has not done a formal investigation into my dispute as they do not request proper verification.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a charge-off showing on all three credit reporting agencies for XXXX XXXX XXXX XXXX which needs to be changed. This is not a charge-off as I am in a court-ordered payment plan with the creditor. I have disputed this with all three credit bureaus and even attached paperwork to show that I am in the payment plan, but they all came back saying that the creditor says the charge-off is accurate when it is not. It says that I owe {$6800.00} which is charged off and I have been disputing this since XX/XX/2023 to get it fixed.
Consumer complaint received 2023-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (NC)

I have called Freedom Mortgage Company several times and asked them to please correct the reporting status on my credit report and each time Im told it will be taken care of. It has not been done and has resulted in several of my credit cards having the limits lowered and 2 of them closing my accounts because if false reporting status. I am in touch with my attorney about filing a lawsuit against this company for defamation of character. This has had a huge impact on my credit and they dont seem to care. This is very unethical practices for a mortgage company.
Consumer complaint received 2023-11-26
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: USCB Corporation (NC)

I, XXXX XXXX, refuse to pay this alleged debt. I have diligently reviewed my consumer rights as outlined by the Fair Debt Collection Practices Act ( FDCPA ), which clearly states that consumers have the right to dispute any inaccuracies or misleading information on their credit reports. As evidence of USCB Corporation 's violation, I have gathered supporting documentation which can attest to the deceptive practices employed by this company. It is prohibited under 15 U.S.C. 1692d ( 2 ) to use obscene or profane language or language that intends to abuse the hearer or reader. Additionally, it is prohibited under 15 U.S.C. 1692e ( 10 ) to use false representations or deceptive means to collect a debt or obtain information about a consumer. I am not interested in validations or verifications. My main concern is the false and erroneous reporting of information on my consumer report. This derogatory account, along with other negative details, needs to be promptly removed from my consumer reports. If this derogatory information remains on my consumer reports beyond the next 30 days, I will have no choice but to file an official complaint with the United States XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for resolution.
Consumer complaint received 2023-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX AmEx informed me that I needed to make a minimum payment of {$80.00} ASAP. Due to poor communication from XX/XX/XXXX to late XX/XX/XXXX between AmEx and self, had made payments to AmEx totaling {$31000.00} from XX/XX/XXXX to XX/XX/XXXX. Discovered this large balance in late XXXX via a credit reporting agency, not AmEx. Since I did not understand the minimum payment crisis, I contacted AmEx both via phone and chat on XX/XX/XXXX. Told I needed to make a minimum {$80.00} payment on {$450.00} charges. On XX/XX/XXXX had {$470.00} " Reward Dollars '' XXXX XXXX ) that I earned for using the card. I have used XXXX to pay off charges before with no drama and asked them to pay off the charges with XXXX and cancel the card. I wished to cancel the card to end the nightmare that started XX/XX/XXXX, I became aware of late XX/XX/XXXX, and seemed to be ongoing XX/XX/XXXX. Informed that any XXXX XXXX ( {$21.00} ) would be lost when the card was canceled. Said that was fine, they could consider the {$21.00} my Thank You for canceling the card. I expected AmEx to offer a {$21.00} gift card but they did not. 
XX/XX/XXXX After an e-mail to my wife, talked to AmEx. Discovered that AmEx had simply canceled the card on XX/XX/XXXX, liquidating the $ XXXX XXXX account without paying off the {$450.00} charges account. Thus, AmEx took {$450.00} that I had earned for using the card without my consent ( Note that I did consent to AmEx keeping {$21.00}. ) AmEx promised to investigate but have no evidence of any follow-up. 
XX/XX/XXXX ( today ) Contacted AmEx ( XXXX ) following yet another e-mail to my wife. Informed I now owe AmEx {$550.00} ( {$450.00} + {$80.00} late fees from XX/XX/XXXX and XX/XX/XXXX + {$18.00} finance charges from XX/XX/XXXX and XX/XX/XXXX. Informed AmEx that my position was that they owed me ( using their own accounting methods ) {$100.00} ( {$21.00} + {$80.00} theft, dishonesty, and harassment fee + {$0.00} finance charge ) and that I would expect a gift card for this amount in the mail. AmEx did not agree. As a compromise I offered to send them a payment of {$100.00} after receiving the gift card. AmEx did not agree.
Consumer complaint received 2024-03-15
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (OH)

My card was stolen and I filed a dispute for all the transactions XXXX spend said that they did a thorough investigation. It was two different claims totaling XXXX XXXX  they couldnt have done a proper investigation because they would see I didnt make those purchases on XX/XX/year> they constantly keep hanging up and making it hard to resolve getting my money back
Consumer complaint received 2023-05-06
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (TN)

We have had our job slow down down on us in XX/XX/XXXX discussed this. With them told them we were out work the week before XXXX and XXXX week.When we went back theh harrassed.us in XXXX every day XXXX to 3 times aday. In XXXX first time every we spoke to.a floor manager who helped us and we made a payment and made XXXX in XXXX but we struggled to make those payments by XXXX the business slowed down and this all had to do with the economy and this is our business. So we spoke to them in XXXX and we told them the same are work was slow we have struggled yes we have payed some bills but this car payment is {$630.00} for a XXXX XXXX encore 5 year contract and were just at XXXX XXXX.we stated with {$40000.00} and the car was only XXXX a d some change and the percentage is high but anyway they just said I'm XXXX please make your payment or we haven't heard from then they have not called us since XXXX! I called Friday XX/XX/XXXX and asked the young girl about a hardship program and that we had not heard from them at all she said a d I qoute ( we don't have your number ) but if I can pay {$280.00} she could see what she could do. I just told her we were broke and need help. We have not every had a deffered payment through this company. THE LAWSUIT AGAINST THEM IS CORRECT THEY ARE TO EXPENSIVE, PAYMENTS TO HIGH
Consumer complaint received 2023-10-07
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)

THE ACCOUNTS THAT I AM DISPUTING DO NOT BELONG TO ME. THEY ARE A RESULT OF IDENTITY THEFT/ FRAUD. PER 15 USC 1681B YU ALL CAN NOT FURNISH INFORMATION THAT I DID NIT AUTHORIZE LET ALONE WRONG INFORMATION AT THAT. I AM ASKING FOR YOU ALL TO INVESTIAGTE THIS MATTER AND REMOVE THESE FRAUD ACCOUNTS ASAP!
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

" On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is a problem with the transaction, whereas tracking was added after the alleged delivery, but the item was never delivered nor received from the shipping company. An attempt was made to contact the seller via the item 's webpage and PayPal account email, with no reply. Attempts to contact PayPal directly have been impossible in writing, as the email associated with XXXX is not accessible. USPS states, " Your parcel, tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was scanned as delivered. I consulted with the carrier and retraced their steps to find your parcel. The carrier was unable to locate your parcel. I also conducted a physical search of the XXXX post office. I can only conclude that your parcel was misappropriated by a third party. You can avail yourself of the claim tools located at USPS.COM under the claim tab. I would also suggest contacting the shipper for a possible resolution. '' A refund is in order. ''
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (CA)

On XXXXXX/XX/2020 I went to XXXX XXXX to have run a diagnostic test on a friend 's car .. the result was it needed a new engine her vehicle so without my consent the manager XXXX started applying for credit in my name for several companies without my consent I initially gave him authorization to run in their inhouse company I believe he said was XXXX XXXX .... Later on that day I'm followed up with I was approved for acima, XXXX XXXX  and got denied for XXXX XXXX XXXX XXXX is what he stated .... He claimed the engine was going to cost {$2900.00} for a crate motor from XXXX ... Acima had approved me for {$1100.00} and XXXX XXXX approved me for {$1900.00} so it would be fine be ause it would cover the cost of the part which had to be payed in advance otherwise no work could be started .... So I told him ok order it he said I will it will be here in 3 business days vehicle will be ready in 10 days XXXX XXXXXX/XX/XXXX ..... This was not the case I made a payment for this account from acima that very day it was part of their program and that's the only way I get approved however he never ordered this motor and in the end he denied me using the XXXX XXXX XXXX XXXX for payment on vehicle and wrote the lease agreement I had was for labor on the vehicle when it clearly stated in contract labor can not be financed only parts or services can so it was entirely a scam and he never fixed the problem... And please then consider he never started working on this vehicle until the end of XXXX and it wasn't full completed until the beginning of XXXX... So w everything about what on my credit is fake or false from the original amount charged off to the amount it compiled to somehow it was a 90 day same as cash type of contract however from the day I originally completed application the actual paperwork wasn't submitted til almost 5 weeks later amd even that didn't match the original terms .... He got me approved for {$1100.00} yet somehow was trying to put it as {$1200.00} towards labor .... Please follow up acima never did anything to assist never did XXXX their management corporate no one and as of over a year now XXXX XXXX is no longer in business they operate under a new name I filed complaint with XXXX  etc nothing has been done other than being denied for credit for negative impacts due to false accounts created by acima and XXXXXXXX for terms and conditions I never gave consent to even work orders throughout this nightmare had been altered with my initials for work approved when I wasn't even at the business to give consent for authorization... Thanks hopefully that XXXX XXXX XXXX  .... Acima Credit and XXXXXXXX XXXX thanks
Consumer complaint received 2018-09-24
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. (GA)

They have SEVERAL addresses in Texas and I have NEVER EVER lived in Texas. They also have my ex-husband 's current address as MINE and again I HAVE NEVER LIVED THERE!