davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACIMA CREDIT, LLC (OH)

I obtained an account from ACIMA XXXX years ago. I got behind once I got laid off from work and then I caught it up once I went back to work and started paying on it again. I noticed that I was paying more for the items than I should so I questioned the items. I informed them of all the items I had purchased to sell inside of my store and they responded that I could not sell the merchandise until I paid them off. I informed them that I bought the merchandise from a wholesaler to sell in my boutique ; that was the purpose of purchasing the merchandise. They informed me that I could not sell the merchandise and I could return it. I informed them that I paid over what the amount of the purchase was and I refused to continue to pay on something I could not even sell. The merchandise went on to be outdated so I could not sell it so I lost out on over {$1400.00} in sales and they refused to compensate me. They informed I could send the merchandise back and I asked for my money back. They said that they could not compensate me for anything that I spent or the merchandise that wasn't sole. I filed a complaint with BBB previously and Acima agreed to label the account as paid not written off and then I checked my credit report and they stated I still owe a balance, which is far from true. They even added a new account when I only had XXXX that wasn't paid due to them owing me money. The wholesaler never informed the customers that we could not sell the merchandise we purchased. I had to stop the sale of items at my boutique due to this so I am out of {$1400.00} in sales. I sent in evidence of the paid account and the complaint previously filed and they will not correct my credit report at all. I need for Acima to reimburse me {$1400.00} I lost out. I can also send the merchandise back. They will need to pay for shipping costs, taxes, and loss of sales and inventory. They also keep sending me emails to pay tem for something I do not owe them.
Consumer complaint received 2024-07-21
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or misleading advertising or marketing — 
Company: DailyPay, Inc (FL)

DailyPay does not stand by there name. Daily pay does not properly update clients hours in a timely manner. Causing one to not be able to survive if they have unforeseen circumstances. The company is a fraud, there fees are enormous. Daily pay uses the fees from transactions they charge clients as well as they fees they charge the employers to make there money. Its all a money scheme with them and I think they should be held accountable for there mistakes and not be allowed to use the name DAILYPAY because its a FALSE AND MISLEADING COMPANY NAME.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

XXXX XXXX XXXXXXXX was hacked for {$3000.00} on XX/XX/year> I wrote to XXXX XXXX  on XX/XX/year> and filed a claim with my bank ( Wells Fargo ) it has been almost 3 months and Wells Fargo sent me something in the mail saying they didnt get the information that they needed or requested. I dont understand what I was supposed to provide? I am still locked out of my XXXX XXXX I refuse to use them ever again. I dont understand how i could loose {$3000.00} just like that.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank continues to charge me overdraft fees erroneously and unfairly. On XX/XX/year>, their overdraft fees caused a {$6.00} payment not clear which caused more overdraft fees. I deposited money to cover the original payment and they didnt honor it because they changed the policy to money had to be deposited XXXX eastern standard time while I live in XXXX. In the past, I have deposited the night before as late as XXXX or even XXXX with no problem. I had my issue escalated and they did not reverse the overdraft charges. On XX/XX/year> I had XXXX XXXX transactions that came out of my account : one for {$13.00} and another for {$7.00}. Their policy is they dont charge overdraft if the account is less than {$5.00}. My account was {$4.00} on XX/XX/XXXX XXXX. The next day ( when they know my paycheck would be deposited ) they charged 2 {$35.00} overdraft fees for those XXXX XXXX payments. They claim now that they can only take off 2 per year and I allegedly reached my max. It is beyond sickening how Wells Fargo Bank continues to scam people by allowing charges to pend for days and then charge overdraft fees as if the customer could combat a computer system they are intentionally manipulating.
Consumer complaint received 2023-08-30
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. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.AMERICAN EXPRESS XXXX
Consumer complaint received 2018-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

TransUnion is reporting that I have two outstanding loan balances through XXXX  XXXX XXXX-XXXX  as of XX/XX/XXXX. The accounts were closed as of XX/XX/XXXX. I have submitted two disputes ( once in XX/XX/XXXX and again in XX/XX/XXXX ) with information documenting both showing {$0.00} balance and both disputes have been denied. 

I submitted my Loan Summary/Mortgage Verification letter ( the only letter XXXX was able to give me ) and my StudentDataDocument from the National Student Loan Data System - both showing I have a XXXX balance for all my student loan accounts. 

TransUnion has denied both my disputes saying the information being reported is correct. They have documentation showing XXXX " reported '' balances on my account on XX/XX/XXXX. Upon contacting the creditor, XXXX, they are showing they have not reported anything to TransUnion since XX/XX/XXXX. 

When I call TransUnion they say that XXXX is still reporting ( on XX/XX/XXXX ) that they balances are correct. I have submitted all the documentation that I have showing the accounts are paid off. I don't know if TransUnion is wrong or XXXX is wrong but the information being reported on my TransUnion credit report is incorrect. The balances have been paid off ( on XX/XX/XXXX ) and should be removed from my credit report. 

I called TransUnion and XXXX multiple times to get this resolved and they were unable to handle my request. I think it is ridiculous that CRA 's and creditors are able to report incorrect information about me and yet are unable to give me a straight answer via a simple phone call. These are billion dollar organizations and I am having to solve these issues from my kitchen table. These organizations should be held to a higher standard when it comes to servicing the people they are profiting from.
Consumer complaint received 2024-07-21
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. (CA)

I have tried to access my credit report from Transunion and XXXX on the phone and online. I have tried several times to call TU consumer number that they have listed. It seems they keep changing their numbers and the previous number never works. And for some reason, when I go online to Transunion to get my credit report. They always tell me to write in and my credit report is not available. I think this is unfair to have to wait XXXX weeks to receive my credit report, when I need it right away. 

On XX/XX/year> and XX/XX/year>. I reached out to XXXX and TransUnion on the phone and online.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

The company is reporting personal information in my credit file and report that is not accurate or complete. Because of this I have not been able to do proper business with other agencies because I can not be properly identified. 

The only name that should be reported is XXXX XXXX. 

My only address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

My only phone number is XXXX.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (TX)

Call chase Bank after I was affected by a fraud doing XXXX I send the money and after 2 min they call me that they hacked my sisters phone, I try to get myoney back as soon as posible I did the claim but they told me it wasnt possible since XXXX is cash. 
I blocked everything and got off from XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (NJ)

Subject : Unauthorized Reporting and Harassment - Removal Request Dear Credit Collection Services, I am writing to address not only the unauthorized reporting on my credit profile but also the persistent and unwarranted harassment I have experienced from Credit Collection Services via phone on multiple occasions. This letter serves as a firm assertion that I am under no obligation to engage in any business with Credit Collection Services. 

The Fair Credit Reporting Act ( FCRA ) violations, specifically in Sections 1681b and 1681e, have been previously outlined in my correspondence. In addition to these blatant violations, I must bring to your attention the unwarranted and intrusive phone calls, constituting harassment under the Fair Debt Collection Practices Act ( FDCPA ) Section 806.

I firmly assert that I do not give permission for Credit Collection Services to contact me any longer. This includes, but is not limited to, phone calls, emails, or any other form of communication. My request for the removal of the unauthorized item from my credit report does not obligate me to endure continued harassment.

Upon the successful deletion of this unauthorized item from my consumer profile, I explicitly state that Credit Collection Services may no longer furnish or provide information to third parties regarding any details related to me or my consumer report. This extends to any data collected during the unauthorized reporting period. 

I expect Credit Collection Services to respect my rights and promptly cease all forms of communication. Failure to do so will be considered a violation of both federal and state laws, leading to potential legal consequences. 

Please provide written confirmation that my request for the removal of the unauthorized item has been actioned and that Credit Collection Services acknowledges the cessation of all communication. 

Done in good faith.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (FL)

account : Barclays XX/XX/XXXX this account was opened fraud under my name I've reached out numerous times to Barclays to dispute transaction and to close account due to fraud activity under my name. An investigation was opened and recently received a letter from Barclays XX/XX/XXXX saying that I am still liable for this account. I just added credit monitoring service to my credit to avoid this in the future
Consumer complaint received 2024-01-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES (FL)

Today I noticed a charge on my bank account that says : legal order debit Zwicker and Associates XXXX XXXX case XXXX If it is a legal order : I was never served nor did I receive any notice or demand notice. How can they access my account if I don't even know what it is? I assume this charge is from a person who contacted me on XX/XX/XXXX named XXXX XXXX, for a business loan I applied for in XXXX that I was unable to repay because the business went out of business. Doesn't the state of Florida have a statute limit on debts for 5 years? Today someone named XXXX XXXX from XXXX XXXX tried to contact me threatening to file a XXXX XXXX Attempt on my account if I did not send money immediately. I no longer know what this is about, what to believe or what it is really about. They have not sent me the order from the judge that would allow them to access my bank account and take my money. But their techniques seem to me unfair and outside the law : I would like to solve this with a lawyer ( although I would have to spend money that I don't have ) and not have to deal with people who keep threatening you and treating you like a criminal, just looking for the opportunity to threaten and intimidate you. Besides, in my case, English is not my mother tongue and I don't want them to take advantage of some misunderstanding to continue harassing me. That is why I am seeking the intervention of a third party and I would like you to help me.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MicroBilt / PRBC (formerly CL Verify) (TX)

I obtained a copy of my consumer report from this company that I NEVER gave them any authorization or approval to furnish this private information.i offer my testimony herein that I have not I have not authorized or given anyone access to my private and confidential records and certainly not the information youre reporting.
Consumer complaint received 2024-07-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Motolease, LLC (FL)

Im trying to apply for a house and this came up on my credit report not allowing me to move forward. Ive asked numerous of times for a copy of the original agreement that was signed and they can not provide it to me when they did. Send me a copy of the agreement, after the third time asking it had my name electronically on it but not a signature. I think this is incorrect and I did not sign something electronically. I would like an original copy with my exact signature on it to know if this debt is accurate theyre trying to settle with me, but XXXXm requesting this information first.
Consumer complaint received 2023-09-21
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: Experian Information Solutions Inc. (GA)

I have contacted Experian numerous times over the last year via disputing on their site through their portal, sending certified letters and now im am having to resort to contacting regulators. I have multiple items on my credit report that are incorrect from apartment collections, credit card collections, inquiries and more. This is outrageous, abusive AND deceptive. I have suffer immensely over the last year because my creditworthiness and reputation has been so badly injured. I can't get any loans, credit cards NOTHING to support my family because Experian refuses to do its job. I have had to reach out to each company furnishing my information and have already uncovered ONE case of fraud on an account that Experian REFUSED to investigate or reinvestigate. I was never provided any proof this debt was valid yet it came back valid everytime. This is out of control and you are not holding up your part to make sure my report is at maximum accuracy. Despite me reaching out over and over again I have had to essentially do your job. I will need ALL inquiries removed up until XXXX XX/XX/ I did not authorize these. Any collections that have occurred up until XXXX needs to be deleted unless a FULL investigation is actually performed and I will require ALL neccessary documents or I will be lawfully handling all situations moving forward. All closed accounts, collections and inquiries need to be removed NOW! I have attached one of my findings that I had to remove on my own. If I have to continue this process of removing each item on my own, one by one, I will. This will result in legal action against you. NO more. You will uphold your duties or you will be held under the law!
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have a right to privacy, 15 U.S.C. 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (FL)

I opened the account in XXXX of XXXX, and have been making what I thought were successful payments up until this month ( XXXX of XXXX ) where I noticed that my account was closed weeks ago and only 2 payments were recorded. My credit score has also significantly dropped despite on time payments. In addition to this, Self only recorded 2 payments ( so no payments after XXXX were recognized or accepted ) leaving a balance of XXXX XXXX on the account upon closure and then of that, $ XXXX would be kept to cover fees and and interest. So of my {$330.00}, $ XXXX will be returned to me. I called ( XX/XX/XXXX ) and asked why that is, and for a detailed report of payments and they told me I must provide a detailed report because I am the one inquiring, I asked why the payments were not reflected and they said that they cant tell me why. I asked to be transferred and they said if I want to speak to someone else Im free to call again and get put on a line with someone else but they wont help me either. This is beyond frustrating..
Consumer complaint received 2023-09-21
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. (CA)

XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  XXXX Account # XXXX opened on XXXX XXXX {$530.00} XXXX Account XXXX XXXX opened on XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  Account # XXXX opened on XXXX XXXX {$1700.00} The accounts listed above were opened fraudulently without my permission. My personal information and identity were comprised and used to open credit card accounts and charges that I DID NOT authorize nor DO. I have already filed an identity theft report, a police report, and complaints with the XXXX XXXX XXXX As a direct result of this my persona credit has been severely damaged.
Consumer complaint received 2023-12-04
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Advance America, Cash Advance Centers, Inc. (MI)

After the last complain i made to advance America because of the loan that was taken out of identity fraudthe complain was attended to and solve, but I went in to apply for a loan, they wont welcome me and says not approved without any reason
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  XXXX Account # XXXX opened on XXXX XXXX {$530.00} XXXX Account XXXX XXXX opened on XXXX XXXX XXXX Account # XXXX opened on XXXX XXXX {$680.00} XXXX  Account # XXXX opened on XXXX XXXX {$1700.00} The accounts listed above were opened fraudulently without my permission. My personal information and identity were comprised and used to open credit card accounts and charges that I DID NOT authorize nor DO. I have already filed an identity theft report, a police report, and complaints with the XXXX XXXX XXXX. As a direct result of this my persona credit has been severely damaged.
Consumer complaint received 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have been a Bank of America customer, with both a checking account and credit card, for over 20 years. Last month ( XXXX  XX/XX/2023 ), BofA closed my credit card with no warning for not using it recently. This is despite them having a number of ways to contact me : email, phone, in-app notification, etc. The card 's closure had a severe negative impact on my credit score because it was by far my longest tenured card. I never would have allowed it to be closed and would have made use of it immediately if I had been properly notified that it was at risk of closure for lack of use.
Consumer complaint received 2023-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

My credit report is still showing late payment on XXXX XXXX XXXX account despite the previous appeals I sent. 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 myself or a customer service representative. Please UPDATE the account.