davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (ME)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-02-06
Product: Credit 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: ALLY FINANCIAL INC. (NC)

I have contacted ALLY 30x regarding this same charge and they still can't get it right. There are two charges from XXXX {$230.00} & {$140.00}. XXXX refunded {$140.00} & {$89.00} which totals the charge of {$230.00} I AM STILL MISSING A REFUND OF {$140.00} ALLY keeps stating that XXXX only owes me {$0.00} because they are confused that the {$140.00} refund doesn't belong to the charge of {$140.00} I have spoken to several supervisors who have hung up on me or have put me on hold for over an hour and I am not only drained but extremely disappointed in the vision of ALLY Identification # of all reps spoken to at ALLY XXXX, XXXX, XXXX, XXXX, XXXX, supervisor XXXX
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (OR)

I was hired as an XXXX XXXX to someone pretending to be the XXXX XXXX from XXXX about two months ago. I was told to deposit a mobile check. I had deposited and my bank ( Wells Fargo ) had pushed the check through and the money was shown in my account as being available on XX/XX/. I then was told to send the funds in my account via XXXX, XXXX XXXX and XXXX to different people. The funds were showing available in my account as WF had pushed the check through so I did not think otherwise that this check was fraudulent. I sent the money over and then a couple days later on XX/XX/23 my bank reversed the check and had taken the money back out of my account, however since I had already sent the money that I thought was available my account went negative. I filed multiple claims with Wells Fargo all of which were denied after they had given me the money back and then re took it out again. I am now XXXX $ in debt from this scam and live paycheck to paycheck so this is very frustrating for me as I have been banking with WF for over 15 years. When I received a call from WF executive office they said there is nothing that they can do to help me and that I if I can not pay this off it will be sent to collections.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act conversion Account numbers has violated my rights.

Per 15 USC 1681 SECTION 602 A, it states that I as a consumer have the right to privacy when it comes to my credit report. These Account numbers are violating my rights to privacy.

Per USC 1681 SECTION 604 A section 2, also states that I have the right to not have my information published with my consent or my written instructions, and I as a consumer have not given any credit report that right to published my information by oral or written consent.
Consumer complaint received 2024-02-06
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2023, I received a text message indicating that possible fraudulent activity could have occurred on my account ending on XXXX. I called the number, and they made me go through a verification process, where I was asked for my license and a video of my face. I did all, then called the number and the agent took notes, cancelled the card, and issue a new one ending on XXXX. After I received the card in the mail, I could not access the card, I could not access the account on the internet. I called again and another agent made me go through the same verification process. After an hour on the phone, she transferred me to a supervisor, who took care of me to actually make take card payment. I was assured that all was in order, this was not the case, I could not access my card information on the internet, and I again received a text communicating the possibility of fraud. I called a third time and went through the process again and to no resolution. At this point, I do not know what charges are on my account, as I have no way of checking. The card I received does not work either. 
I am not allowed to make payments, so my credit score may be affected, and it is not my fault.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (CO)

I attempted to make a larger purchase on my Apple Card. the card had roughly {$5400.00} available credit and the purchase i was attemtpting to make was for roughly {$3800.00}. I have been using this card for years. I was unable to make this purchase and was told that my account was under review to verify that the purchase was not frauluant. I verified my account and explained to them that the purchase was intentional. It's been days and I have no way to resolve this issue and no one that I have spoken to can give me any direction on what needs to be done.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (SC)

I deposited a check in the amount of {$15000.00} on XXXX XXXX I received from the roofing company that failed to complete the task of fixing me and my mothers roof so chase sends me messages they are closing my account etc so I call them and i am Told we are freezing your account and holding your check since I cant get these things verified so I stayed on the phone for hours helping them collect all the phone numbers and info they need which is crazy because Im not the bank its no way I have to assist with this then Im being told the company isnt answering the phone so we are gon na freeze your account and take your money basically and that isnt fair
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-02-19
Product: Credit 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: Sunbit, Inc. (DE)

In XXXX, 2024 I noticed fraudulent purchases on statement and notified credit card issuer. I was advised card would be closed and new card issued. 

In XXXX, 2024 new statement was released and charges again reflect similar to XXXX, consistent with reported fraudulent purchases. 

Credit Card Issuer, did not remove interest rates for the fraudulent purchases and I have requested monthly payment be delayed to allow opportunity to insure accuracy.
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

Ive had this issue resolved here almost a year ago. Jefferson capital had placed this sprint account collection on my credit report and had to remove it after not validating it as mine. They have now put it back on. This is the third time they have done so with the same account.
Consumer complaint received 2024-02-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (AZ)

My student loans through Nelnet are reporting inaccurate information and according to the fair lending act, I deserve my reports to report accurate and factual information. Nelnet has inaccurately added derogatory information to my report causing a significant decline in my credit report having a domino effect for my family and I. I am requesting Nelnet to update the reporting and remove any and all derogatory remarks on my credit report causing the decline of my overall credit score swiftly and expeditiously.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

On XX/XX/year>, The Consumer Reporting Agency EQUIFAX had sent me a message stating that it had Deleted an Account identified as XXXX XXXX XXXX. ( see attached ). XXXX XXXX XXXX is still reporting on my Equifax Consumer report ( see attached ). XXXX XXXX XXXX is reporting as a Collection status and for the amount of {XXXX  Equifax had informed me that this account had been deleted but in reality never really done so. This might just be a mistake on Equifax behalf, but detrimental to my Consumer report non-the-less.
Consumer complaint received 2024-02-14
Product: Credit card — Store credit 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 (TX)

Hello, my name is XXXX XXXX. I have the XXXX card, and for payments, we use the link XXXX XXXX XXXX XXXX I did not shop at XXXX XXXX XXXX but I still had the card, which was not activated. In XXXX, I saw unidentified charges for around {$500.00} in my account. I immediately called Barclays Bank, and they told me not to worry. They sent me new cards, which still need to be activated. 
The case number was : XXXX Yesterday, I received an email from the bank stating that I still owe {$500.00}. I called the bank and told them I had already disputed these transactions last XXXX. I was told by the bank it already completed the transaction and decided to close the case with the resolution that I had to make the payment. This came to me as an utter surprise, and I questioned the kind of investigation done by Barclays Bank. The simple rule is, per the guidelines, if my credit card is compromised, the bank has to investigate thoroughly, and the consumer does not have to worry. I would formally like to file a complaint against this bank. 
Please be advised that the issues described in this complaint will be shared with the financial institution or company in question for their response.
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :
Consumer complaint received 2024-02-16
Product: Credit 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: SYNCHRONY FINANCIAL (MS)

On XX/XX/24, I made a complaint about PayPal Credit limiting my access to my online account set up to make payments, excessive late fees, and improperly reporting to Credit Reporting Agencies XXXX XXXX, XXXX, and XXXX ) regarding this account because they kept fraudulently adding late fees by blocking my access to the online site to making payments. On XX/XX/XXXX and XXXX I received two email notices one listing my new computer bill of {$420.00} on XX/XX/XXXX, and the other on XX/XX/XXXX, for a minimum payment of {$260.00} and a balance of {$1200.00}. PayPal has continued to harass me with this account and I want damages to be imposed on them. I would like the balance to be XXXX out and to sever all ties with PayPal because of their fraudulent practices. Please see the attach email notices from them
Consumer complaint received 2024-02-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Finance LLC (DE)

In XXXX of 2023, I agreed to a financing loan through American Finance Llc for a used vehicle purchased through XXXX XXXX in XXXX, DE. I was told that I would be signing a 4.5 year loan for {$14000.00}, and my payment would be {$200.00} every two weeks. I have made payments of {$210.00} every two weeks for approximately 10 months, bringing my total payments to roughly around {$4000.00}. To date, American Finance Llc has only reported less than {$1000.00} as paid on the loan, indicating approximately 70 % of my payments have gone into interest or have not been applied to the loan. Additionally, my credit report was displaying a loan term of six years, which was verbally confirmed when I called and spoke to someone named XXXX. When I initially requested my contract be emailed, I was sent the wrong person 's contract, which is a breach of that person 's information. I was then sent my own after another request, and used that to prove what terms I had agreed to. I have called and emailed several times to resolve these issues. The loan term was adjusted and now shows a five year loan for credit reporting, which is still not what I signed on the contract. Additionally, the payments have not been reflected, and my car is now indicating over {$6000.00} in negative equity because the payments have not been corrected, and this amount should only be approximately {$3000.00}.
Consumer complaint received 2024-04-05
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. (MA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-02-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC. (CA)

XXXX. I had initiated an ACH transaction to send money from from UFB to my externally linked account ( XXXX XXXXXXXX Checking ) for an amount of {$340.00}. 
XXXX. I had done similar ACH transactions on a monthly basis for similar amounts at roughly the same time of the month. So this was definitely not some kind of security/fraud related issue. 
XXXX. I got an email message from UFB telling me this transaction failed with no reason whatsoever. 
XXXX. I have tried multiple ways to figure out the reason for why this transaction failed including chatting with customer service and sending secure messages. 
XXXX. Every attempt at getting information was met with unresponsiveness. 
XXXX. I initiated a second transaction of {$340.00} ( the amount was deliberately chosen to be different from the original transaction in question ) and I'm hoping that this goes through.
Consumer complaint received 2024-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

When the loans came out of the Covid forbearance they ported loan XXXX and XXXX from REPAYE to SAVE correctly automatically. However loan XXXX was put into level even though all loans on REPAYE were supposed to be put into SAVE automatically. This led to a higher amount on loan XXXX than it should have been. On XX/XX/XXXX I sent a secure message to Mohela to fix the issue and put loan XXXX into SAVE correctly. When there was no response I filed a CFPB complaint XXXX on XX/XX/XXXX which led to them changing loan XXXX into SAVE correctly on XX/XX/XXXX. However, what's happened that it's come out of the month of admin forbearance during the change is that all three are in SAVE with payments much higher than previous starting XX/XX/XXXX. For loan XXXX it now is saying there will be upcoming payments of {$630.00}, XXXX {$300.00}, and XXXX {$240.00}. Before it was {$29.00} ( SAVE ), {$14.00} ( SAVE ), and {$170.00} ( level ) for loan XXXX, XXXX, and XXXX respectively XX/XX/XXXX. This is going the wrong direction and I am less than a year from loan forgiveness. The higher amounts will make it more difficult to pay and none left to be forgiven in the end.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I was informed by my tax preparer that my personal information was lost/stolen by movers during a commercial relocation in 2020. I was advised that she made a police report and I should monitor my information going forward. I placed a fraud alert with credit report agencies. I recently pulled a copy of my report and noticed accounts that I have no knowledge of. The creditors include : XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. I have no affiliation with these creditors and these accounts are not mine. Furnishing accounts to my credit profile due to identity theft is in direct violation of 15 USC 1681c-2. I've contacted EQUIFAX, XXXX, AND XXXX twice to rectify this solution requesting verification of these accounts. 

This information being furnished to my profile is affecting my ability to purchase a home. I also noticed credit inquiries being furnished from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  and XXXX. The inquiries were furnished without my knowledge or written consent which in violation of 15 USC 1681B. 

I also requested that addresses that are not mine, and names that are not mine be removed from my credit profile and I see that they are still being reported.
Consumer complaint received 2023-11-23
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)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I disputed items in XXXX due to identity theft with proof of police report and and identity theft report and only one item was deleted I then submitted complaint with you asking for the items be deleted or for proof of my ownership and some items were deleted but not all The below still remain I also disputed inquiries that were not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION (ME)

after checking my credit report I discovered credit card accounts had been opened using my name and social security number, his address and phone number not mine.XXXX  card XXXX balance, XXXX XXXX XXXX balance, XXXX XXXX XXXX balance, XXXX XXXX XXXX balance and XXXX XXXX which has been turned over to a debit collector. All opened in XXXXwithout my knowledge or permission
Consumer complaint received 2024-04-05
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: Experian Information Solutions Inc. (MI)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.