davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

Due to a financial difficulty in late XXXX, I entered into a monthly payment agreement with XXXX XXXX for 8 months. XXXX XXXX agreed to allow me to pay a lower monthly amount for 8 months to help alleviate the financial difficulty. I paid every month automatically on time, and then proceeded to pay off the entire balance of my card in XXXX of XXXX. 

I made on time payments from XX/XX/XXXX to XX/XX/XXXX. Instead, XXXX XXXX recorded this period as late payments on my account, even though I was paying the minimum amount XXXX and myself agreed to. This is inaccurately reported on my Experian, XXXX, and XXXX credit scores. I have disputed this item several times, and XXXX XXXX does not even have their own records of my payment history. When I call them, they can't even find the account, and it's closed. If they have no record, this should be removed from all credit reports immediately, as it has caused enormous prolonged financial inequity to me and my family, with an unreasonable interest on our home mortgage.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (FL)

XX/XX/XXXX i had serious XXXX XXXX. XXXX XXXX XXXX XXXX. Fell behind in monthly payments to Barclays card account # XXXX. Caused by not working during this time of recouping from XXXX '. Called Barclays to discuss hard ship account handling as they offered me assistance. Notes of telephone chat on XX/XX/XXXX are included. Clearly understood what i heard from rep over tele thus my notes are accurate. Rep ' name was XXXX ( spelling? ) at Barclays. I started paying agreed to payments right away. EAch subsequent month was paid on time. THE ISSUE, WE AGREED TO DUE DATE BEING XXXX-XXXX BUT THEY show due date as XXXX. I'm retired so i only receive pension income once monthly on XXXX wednesday. The due date agreed to would allow me to ALWAYS BE ON TIME by XXXX monthly. They've reported me late every month now under their HARD SHIP agreement, to each of the bureaus. BArclays has caused me great harm in their poor handling of this HARDSHIP account. NOT once have i been late on ANY monthly payment due date of XXXX. Further, they have added to my balance other charges NEVER agreed to. ALSO, bank records are proof herewith that each and every monthly payment was on time for the agreed to due date of XXXX.
Consumer complaint received 2023-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

My business account charged overdraft fee.I made deposit before XXXX try to get my account under- {$50.00} .They charged 3 times {$34.00}. 


XX/XX/2023 OVERDRAFT FEE FOR A {$6.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$210.00} XX/XX/2023 OVERDRAFT FEE FOR A {$6.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fee - {$34.00} - {$180.00} XX/XX/2023 OVERDRAFT FEE FOR A {$6.00} CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fee - {$34.00} - {$150.00}
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (CT)

Due to a financial XXXXy in late XXXX, I entered into a monthly payment agreement with American Express for 8 months. American Express agreed to allow me to pay a lower monthly amount for 8 months to help alleviate the financial XXXX. I paid every month automatically on time, and then proceeded to pay off the entire balance of my card in XXXX of XXXX. 

I made on time payments from XX/XX/XXXX to XX/XX/XXXX. Instead, American Express recorded this period as late payments on my account, even though I was paying the minimum amount Amex and myself agreed to. This is inaccurately reported on my XXXX, XXXX, and XXXX credit scores. I have disputed this item several times, and American Express does not even have their own records of my payment history. When I call them, they can't even find the account, and it's closed. If they have no record, this should be removed from all credit reports immediately, as it has caused enormous prolonged financial inequity to me and my XXXX, with an unreasonable interest on our home mortgage.
Consumer complaint received 2023-12-07
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. (PR)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCYCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2019-09-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (FL)

I contacted Availiblue and let them know that I was involved in an auto accident and I was not working my full schedule and therefore unable to make my payments and if I could work out something where I could restructure the payments or make a lower payment. I was told that this is not the way the company does things and I would be responsible for the full payments. I have now gone into default because the company wouldn't work with me.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (UT)

Experian is still reporting accounts that have been requested by the debt collection agencies to be removed. Experian refuses to delete this information or stating my disputes are duplicates. I have uploaded the actual documents from the collection agencies that shows they have requested Experian to delete the accounts from my credit report but Experian continues to report these accounts anyways.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (WI)

I am writing to follow up on my previous dispute regarding unauthorized hard inquiries that appeared on my credit report. Despite my few attempts to address this matter and seek resolution, I have yet to receive a satisfactory response from your agency.
Consumer complaint received 2021-12-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (TX)

Bridgecrest has issued XXXX unauthorized charges from the checking account that I use to pay my car loan with them. I use this checking account to pay my car loan online every month and I pay my full payment amount every time, and yet these additional and unauthorized charges keep happening. I do not owe them any additional money, so I do not understand why they keep taking money out. I also do not have auto-pay set up and never did. All charges are supposed to be initiated by me when I decide to pay. After the second time it happened, I unlinked the checking account information from my online profile with them in hopes that they would no longer be able to pull money from that checking account. However, they must have my checking account information saved somewhere else as they have just taken money from me again for the third time. I have tried contacting Bridgecrest directly about this problem but they tell me each time that they can not see these charges. My bank has confirmed that the charges are indeed from Bridgecrest. I sent Bridgecrest copies of my bank statements as proof that they are taking the money from me. I have also filed disputes about the charges with my bank. Bridgecrest has not helped me and maintains that they do not know how this is happening, so the issue never gets fixed and my bank account keeps getting money taken from it. I suspect they have my checking account info linked to another customer 's account and are wrongfully using my money to pay another customer 's bill or that they have a duplicate account for me setup somewhere with my checking account linked and are charging that account. Either way, there is some type of error with their billing which they refuse to investigate and I keep getting money stolen from my checking account as a result. On XX/XX/2021, Bridgecrest.com took {$130.00} out of my checking account in an unauthorized charge. On XX/XX/2021, Bridgecrest.com took {$100.00} out of that same bank account in another unauthorized charge. My bank was able to reimburse me for these charges after filing disputes with them but it took XXXX weeks each time because Bridgecrest themselves refused to help me or return the money. And on XX/XX/XXXX, Bridgecrest.com took {$190.00} out of my checking account in the third unauthorized charge. I have contacted Bridgecrest again and am waiting for a reply. I am also attempting to dispute this charge with my bank but I will have to wait as it is XXXX day and all the representatives are unavailable.
Consumer complaint received 2019-09-10
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. (LA)

I sent over inquiries that wasnt done by me. Im victim of fraud. Activities that was done online. All the other Credit bureaus removed it but Equifax. We been going about this for two months. Also I been victim of their data breach. They told me to call the creditors. Creditors telling me Equifax supposed to remove those inquiries.
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the Accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so these matter can be handled swiftly. 
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 2021-12-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

I was contacted by a company a few days ago saying i owes a debt I XXXX XXXX told that company i have no knowledge of this debt that i been a victim of identity theft and thats wasnt my debt they told me they would be places this on all three credit reports and dismissed the call this debt just appeared on my credit report with XXXX  and XXXX i will like this debt removed because its not mines
Consumer complaint received 2021-12-25
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: AMERICAN EXPRESS COMPANY (TX)

I previously filed a dispute with XXXX regarding the American Express Account XXXX negatively reporting to my XXXX Credit File. In my dispute I included court documents submitted by American Express and ordered by the XXXX of a FULL RELEASE, SATISFACTION, AND TO VACATE JUDGMENT. 

On XX/XX/XXXX American Express filed suit against on credit card balances arising from XXXX American Express card accounts ending in XXXX and XXXX. 
XXXX. American Express was awarded a XXXX against XXXX, on or about XX/XX/XXXX, in the principal amount of {$12000.00} and all costs of suit. 
XXXX. The full name and address of the individual whose interest in the Judgment is being fully released as set forth below is XXXX XXXX XXXX, whose last known address is XXXX XXXX XXXX, XXXX, TX XXXX. 
XXXX. American Express declared the accounts null and void and fully released, exonerated, and XXXX XXXX XXXX XXXX, as identified and described above, from the entire judgment awarded, including : ( a ) the principal amount of {$12000.00} awarded by the judgment ; ( b ) all costs of suit ; and ( c ) the operation, force and effect of the judgment. 

Not only was I fully released from all reported debt on my American Express cards, the amount being reported delinquent of {$12000.00} was a total of XXXX cards but is being reported as a single account by XXXX. 

So not only is the amount reported incorrect and due to multiple accounts, not just one. The entire debt has been deemed null and void and by court order, I have been released of all responsibility for this debt. 

Even after receiving a copy of the court order releasing me from all liability of this debt, XXXX has failed to remove the negative account being reported for which I have no liability for.
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I'm traveling internationally and tried to pay my credit card bills using the mobile app around XXXX XXXX XXXX blocked the transaction and locked my account. I called customer service to get it unlocked. 

I tried payment a second time thinking that I've confirmed that I'm accessing the account outside the country. 

They blocked the transaction again and locked my account Now they are asking me to visit a physical location to unblock my account. I can't access my bank account at all. 

I get that fraud prevention measures occasionally flag transactions but refusing to let me access my money is unacceptable
Consumer complaint received 2023-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a previous complaint : XXXX Bank of America 's Regulatory Complaints notified me the funds would be returned to my account, which they were. However, yesterday Bank of America put a hold on the amount they had deposited. I can not talk to anyone in the Regulatory Complaints department because I don't have the person 's 4 digit extension. I, like a dummy, tossed it out when I thought this issue had been resolved.
Consumer complaint received 2021-12-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed fraudulent accounts on my consumer report. The major 3 credit bureaus, XXXX, XXXX, and TransUnion are not upholding the law with 30 days to comply. I've sent in disputes and they're not responding to the investigation. I have not received investigation status or results.
Consumer complaint received 2021-12-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I have a case that reveals why identify theft is so rampant -- because it has high reward and low risk. 

My new Wells Fargo XXXX XXXX  was intercepted before getting to me. Approx. {$3000.00} worth of charges were put on my account. After filing a claim with Wells Fargo, they refunded a small portion, but refuse to refund {$1900.00} of fraudulent charges. The reason cited was simply that " the transaction was authorized ''. No other explanation was given. 

I called the XXXX  department 3 times ; each waited one hour and had to give up. I then called up Wells Fargo customer service. The XXXX said she will bring on a XXXX  department staff, but returned with only an explanation for the denial -- XXXX would not refund Wells Fargo on those charges. 

I explained that I never got the card ; customer service rep said they will review this fact.
Consumer complaint received 2022-08-31
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: Stellantis Financial Services US Corp. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2021-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX Portfolio recovery reported a {$470.00} collection account to my credit report, I contacted them explaining i never owed this debt however they said " I actually made payments on it '' which never happened they said this was a PayPal card and it had a New York address on it, I contacted PayPal they stated that my account is 100 % clear and i don't owe anything to them, After back and forth i learned that this debt belongs to synchrony bank which i contacted they said they'll file a report and they'll mail me the result within 60 days I've never gotten a single letter. 
On XX/XX/XXXX and 2 years prior to that I was literally living over XXXX miles away from the address they stated. I disputed the item to the credit bureaus but to my shock it came back validated. This collection impacted my credit with XXXX points and made it way harder for me to obtain credit. 
Portfolio recovery with XXXX rating from the better business bureau insisted that i owe the debt, even though i gave up to their scam and paid them the money they'll still be on my report for 7 years, I believe that's highly illegal to play with some random people life 's like that. 
I've got in touch with multiple media outlets and gon na share my story if CFPB did nothing to my case.
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Wells fargo mishandled a dispute I had with a charge on my account. Spent many hours on the phone and many emails were sent. At one point the manager of the fraud department offered to give me $XXXX FREE money to cancel the dispute. I declined this offer and further sent more documentation. They then cancelled my account in the middle of the dispute and then reopened an account that I had NO record of with a completely different account number.
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

YOUR COMPLAINT I am not liable for this debt of XXXX with Midland Cred, Midland Credit Management Account Number XXXX : **** I do not have a contract with MidLand Credit Management, they did not provide me with the original contract as I requested with my wet signature and ID verification. 
XXXX XXXXXXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have requested a 1099 from XXXX XXXX XXXX XXXX Account XXXX. I haven't received any response after 30 days. I now sent a certified letter requesting 1099 for the Charged off account. 
At the time I was laid off from work. I fell behind on all financial obligations. 

Attached to this complaint is my 2nd attempt after 30 days. That this company has not responded to retrieve the 1099 fir this XXXX year certified charged off account.
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

My current address is XXXX XXXX XXXX, XXXX, Georgia XXXX. 
My current phone number is XXXX. 
My current employer is XXXX XXXX XXXX XXXX 

Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Addresses : XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX. XXXX XXXX  CT, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, GA XXXX Wrong Employers : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX
Consumer complaint received 2021-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

My current address is XXXX XXXX XXXX, XXXX, CT XXXX. 

Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX
Consumer complaint received 2021-12-26
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TX)

tried of this co closing the jcpenney acct, ashely furniture acct to a lower cr amt, these accts are in good standing, the high limits are none of their business, as they knew of it when i open the accts, also there was nothing in the app about real estate values.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (WA)

There was a fraud transaction on my Chase XXXX XXXX card ending in XXXX. 
Here 're the details provided by Chase fraud department agent : Merchant XXXX XXXX XXXX Amount : {$410.00} Transaction Date and Time : XX/XX/XXXX XXXXXXXX XXXX EST Method : Phone Merchant Category : XXXX XXXX XXXX  Merchant Phone : XXXX Merchant State : CA On XX/XX/XXXX XXXX, I immediately called Chase XXXX department to report this fraud transaction and change my card number. By XX/XX/XXXX, I received my new card with new number, but Chase is still investigating into the claim.
Consumer complaint received 2021-12-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can not apply for a job or apply for credit.