davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2023-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-06-14
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. (FL)

On XX/XX/2023 XXXX XXXX approved As a one-time courtesy, we adjusted your payment history, allowing us to remove the charge-off from your credit report. You will see these adjustments reflected when our updates are sent out for May. You should have access to your credit line right away. 

Remember that this one-time adjustment is an act of good faith that you will keep your account healthy and submit your payments on time. 

I received an email because this company has been reporting negative balance when I have statements that funds were coming out of my bank account. XXXX XXXX still have not reported the positive balances and payments to all credit bureau. I will attach most recent statement from XXXX XXXX as well as the email for this company to report my current positive balance.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (CA)

15 U.S.C 1681 SECTION 602 A : States that I have rights to privacy. 

15U.S.C 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 ( 2 ) ( a ) ( i ) States that a consumer report should not include information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-11-07
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. (GA)

It has been brought to my attention that you are not blocking files when theyre sent with an XXXX XXXX report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$5200.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$70000.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2023-05-18
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. (CA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Transunion must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-02-02
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon. 

I am stopping all communication through medians other than that through Mail, this is including that of my consumer report. I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail and that all other mediums are cease and desist at once. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my Unlimited credit file and also the fact that there is a credit FILE and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. Send me the verification/ validation below with the file of where and whom the debt was originated from also who was spoken to that furnished this info. 

Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

To Whom It May Concern : I have recently identified that there is negative information reported by " XXXX  XXXX Bankruptcy Court '' on my credit reports under my Social Security number. After ordering a copy of my credit report, I see an entry from this court listing XXXX with Reference # XXXX filed in XX/XX/2020 The account XXXX with Reference # XXXX filed in XX/XX/2020 with this court appears to be inaccurate. Please verify and validate this information with the court and provide me with copies of aLL documentations associated with this account granting you authorization to report this information, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Best Regards, XXXX XXXX
Consumer complaint received 2024-03-13
Product: Credit card — Store credit 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 (CA)

Purchased a couch from XXXX XXXX XXXX on XX/XX/XXXX, we were given a delivery window of 2-3 weeks. We called during our 2-3 week window to know when to expect delivery and only got to speak with the receptionist who said XXXX would call us back. We never received any phone calls. After the window I reported the balance to XXXX ( XXXX ) to dispute the charge because we couldnt get a response from the merchant and now wanted to cancel the purchase. We were also getting charged before the product was ever delivered. XXXX responded to Synchrony after the dispute was filed stating he attempted deliver which was a lie and that the delivery window was 4 weeks also a lie. then we also discovered he fraudulently acquired my signature on the receipt he provided by trying to hide the return policy my receipt does not have a signature on it because he did not inform me I was signing anything of the sort only my synchrony agreement. Hiding a return policy and not showing it or informing customers of all sales final is fraud. I was not shown the screen he was having me sign just given a signature pad. Synchrony bank will not give me an actual reason for not disputing my charge when I do not have the merchandise and he did not have the merchandise in the given delivery window there for contract is void. And not delivery attempt was made. The first employee with Synchrony I disputed with also told me to refuse the delivery if it was attempted which it never was. This was also reported to the XXXX and they did not receive a response from XXXX. And based off his reviews he has dome this to other customers. The dispute was filed XX/XX/XXXX originally it is currently in dispute.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I reported a credit card as lost in XXXXXXXX XXXX XXXX. It is a revolving credit account with XXXX XXXX. The account number I reported lost ends in XXXX. They mailed me a replacement card ending in XXXX. Equifax is reporting I have both accounts active. They are the only credit bureau who is reporting this incorrectly. I have filed disputes on XXXX, XX/XX/XXXX. 
All disputes resulted in them making no changes. They claimed they contacted XXXX XXXX  and confirmed I have 2 accounts, which I dont. I have a letter from XXXX XXXX  stating I have only the one account ending in XXXX.
Consumer complaint received 2023-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (MO)

Wells fargo allowed someone to open an account in my name some time in XX/XX/2023, I requested all information including all documents from the start up of the account along with account numbers and balances. They told me I would need to drive XXXX miles round trip to a branch to get this information.
Consumer complaint received 2023-05-18
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 2024-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (NJ)

PNC Bank charged hundreds of dollars on overdraft charges. from an account from XXXX XXXX XXXX. Between the amounts of {$7.00} a day to {$21.00} and {$36.00} a day. They have not been forth coming and unprofessional to say the least. I had no idea of this until XXXXXXXX XXXX XXXXXXXX. I also had another account in XXXX and never new of a balance in XXXX, never was told or informed. They charged me total of {$450.00} in overdraft fees. They have refused to correct or do anything. This all stemmed from a claim they denied totaling {$110.00} and overdraft charges of {$450.00} totaling {$560.00} from the year of XXXX which is outrageous.
Consumer complaint received 2023-06-14
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. (GA)

As of XX/XX/2022, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my credit union account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and Incident report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to XXXX, XXXX, and Experian in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the three Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. and plan to take legal action.
Consumer complaint received 2018-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Total Card, Inc. (NC)

I have an acct with Total Visa. I paid my balance in full and have not been able to use my card or log in to my acct online and when attempting to call them it is an act of congress to speak to a supervisor or someone in proper charge to resolve acct issues. This company now has this showing negative on my credit report. 

Below are reviews from other costumers from XXXX XXXX. 

XX/XX/2018 XXXX Cardholder They are not here to help, they are here to exploit the down on your luck type of clients. 

XX/XX/2018 Less than XXXX XXXX XXXX Cardholder I got this card to help build credit, but it has done absolutely nothing for me. They charge fees right off the bat, just to activate your less-than-average credit limit. I had a fraud charge, and they require a police report, affidavit, and notarized form just to investigate - don't plan on speaking to anyone about for at least two weeks, since they're so " busy ''. I highly recommend going with other available options for bad credit, avoid these guys at all cost. 

XX/XX/2018 XXXX Cardholder On XX/XX/XXXX, I made a payment with Total Visa for {$290.00}. I checked my account on the XXXX and the funds were there. I then went out to eat a few days later and my charge was declined. Luckily, I had other funds on my. I called and was told that my payment was placed on hold. I was upset because this is the third time, I had a hold on my account. I do not understand, because my payment has never been late, missed, and I always pay in full. 


Even when you pay your bill they make it hard for you to use your card and then report negivitve on your credit. I am asking for someone to help here as this company is taking advantage of customers and making it hard for customers to manage there acct.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Capital One has denied $ XXXX U S Dollars on XX/XX/2024. Capital One Also denied transfering my proceeds from all my direct deposits from Accounta # XXXX XXXX to my XXXX Bank ending in XXXX claiming XXXX has not established communications. Capital One is engaged Retaliation and destroy my secured credit card ending in XXXX XXXX because i wrote ( XXXX ) complaints on their company.
Consumer complaint received 2023-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (GA)

I have/had a Wells Fargo checking and savings account between XXXX - XXXX. I am aware that they were incorrectly charging over draft fees and freezing accounts. I am unable to go back to my statements that far back to see if I had any incorrect over draft fees or to see if my account was ever frozen. I have been a Wells Fargo checking and savings account holder since XXXX.
Consumer complaint received 2023-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (IL)

I was traveling in XXXX and my preferred method of payment for XXXX is PayPal and on my PayPal account I have my preferred method of payment selected as PayPal credit. What PayPal didnt notify me was that some international vendors do not accept PayPal credit and therefore instead of consulting me on my backup choice of payment, PayPal picked an account by default and withdrew money from an account that is rarely used and I do not typically keep money in. When they withdrew the fees they didnt withdraw for the amount owed on the XXXX but they only withdrew for Insufficient funds. Therefore, I was unable to remedy this situation before I was negative approx {$810.00} in fees including ( 17 ) insufficient fund fees on XX/XX/2023 of {$37.00} each, ( 4 ) insufficient fund fees on XXXX XXXX of {$37.00} and ( 1 ) insufficient fund fee on XX/XX/2023 of {$37.00}. I had transferred money for a few fees on XXXX XXXX because I was traveling with limited internet access and could not investigate why my account seemed so far in the negative for a small amount of XXXX transactions. When I got home from Traveling on XX/XX/XXXX, I was notified of my account being over {$600.00} in the negative from all the insufficient fund fees being take out. I only saw insufficient fund fees and did not see the transactions. Had PayPal posted the transactions I could have easily remedied the situation and paid the bill before the insufficient fund fees were even taken out. Up until XX/XX/XXXX I had no idea that PayPal credit hadnt worked. I called PayPal twice even speaking to a manager and they didnt seemed concerned with how PayPal randomly chose an account without consulting their costumer or with how they withdrew the money only as insufficient funds. They sent me a letter that I was responsible for forwarding to my bank that request the bank to waive the fees but they fees shouldnt have happened in the first place if they withdrew the original transactions.
Consumer complaint received 2018-05-18
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (LA)

The problem I'm having is 16 hard credit inquiries in just over a years time. I have very good reason to believe my identity was stolen although never noticed being my credit score has been on the low end for quite a while. But the hard inquiries are as follows : OneMain - XX/XX/XXXX Springleaf - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX One Main - XX/XX/XXXX Spring leaf - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX This is absolutely ridiculous!
Consumer complaint received 2020-02-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (GA)

I was a XXXX  in XXXX XXXX. I was injured during football practice on XXXX XXXX County School District. I also had Florida XXXX ( XXXX XXXX ) and XXXX XXXX! My mother called the office of XXXX XXXX  informing them of this information. The biller at the office refused to listen or bill either of the insurance companies. Im not responsible by law for this bill. They need to bill XXXX XXXX, than bill XXXX and if a balance is left they are to bill the XXXX XXXX County School District.
Consumer complaint received 2018-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (CA)

I have been the victim of a student loan scam. On XX/XX/18 I received a letter in the mail that said it was the final notice for student loan consolidation and Payment Reduction Program. I called the number ( XXXX ) on XX/XX/18 and ended up giving him my FSA ID password, thus he was able to login to my account and see my personal details, including the last 4 of my SSN, date of birth, home address, etc. After getting off the phone it felt suspicious so I XXXX  the number and it showed up as a scam. I am worried about what he can do with this information and will be freezing my credit score at all 3 credit agencies and signing up for an identity theft protection service. I would also welcome any advice on other things I can do to protect myself.