davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-08
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. (NC)

All of this information came to light to me in XXXX when I attempted to get per-approved for a home loan. 
In XXXX of 2019 I was charged XXXX by XXXX XXXX XXXX. 
In XXXX upon receipt of the statement I discarded it as I thought I had cancelled the card and additionally I knew I did not owe them anything. 

In both XXXX and XXXX the same ... 

In XXXX I applied for pre-approval for a home loan. Upon the process discussion with the loan specialist, I was shocked as I regularly check my credit and I know 3 months ago it was well over 750! As the loan company stated, my credit was in the mid 650s due to the issue with XXXX XXXX XXXX, XXXX. The amount that XXXX  XXXX billed my account was {$6.00}!!!??? In addition XXXX charged two months of late fees! I immediately called them and of course got a bull XXXX statement about the Wuhan Virus and blah, blah ... we're swamped and you have to hold ... In addition to the calls I sent a note summarizing the experience which was returned by the bank as UN-deliverable which I resent a second time. After 10plus calls and randomly pressing numbers I actually got a hold of someone. I asked to speak to a supervisor and was told there weren't any available. So I explained my issues. I thought I DQ 'd the card and tossed the bills and as a solution I suggested letting me pay the entire bill and correct my credit score. They said they would take off all the charges but nothing that they could do about the credit. I said that they are preventing me from the opportunity to buy a home and what makes it worse is it is over {$6.00}!!! I continue to contact the credit agencies and XXXX XXXX XXXX.
Consumer complaint received 2020-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NY)

I handle XXXX XXXX XXXX and XXXX XXXX XXXX at a XXXX, I deposit funds into the facility account, then cash a check from the account for the amount deposited for resident petty cash, and just cash the check for facility petty cash. To do this requires 2 forms of ID at Wells Fargo bank, per Wells Fargo, a Federal/State photo ID and an additional ( acceptable ID ). The bank sporadically accepts my Work ID which has a current photo that matches my Drivers Licence, employee ID number, Company Name. The checks that I am attempting to cash also have the company name, are endorsed by me with a signature that matches my drivers licence. 

The issue is that when I asked for a copy of the acceptable IDs and a copy of the Wells Fargo check cashing policy I was told that they are not available and are internal bank documents only. I spoke with a branch manager who told me they are internal documents only and I waited on hold for 30+ minutes on the Wells Fargo General Customer Support line and had my Case # XXXX escalated as far as it could go only to be told to ask a branch manager who very clearly told me they can not help and to call customer support. 

The rational behind this as told to me by the CSR ( customer service representative ) is that it is to fight fraud. Not allowing people to know what ID are accepted by the bank you are trying to work with is a fraud fighting measure according to Wells Fargo. 

All that I am asking for is a hard copy of the Wells Fargo Check Cashing Policy and the Acceptable ID list so that I can follow their rules for cashing a check.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (NC)

I attempted to close my account with Citi Bank on XX/XX/XXXX. They told me it was closed and sent me a refund check for over payment of {$0.00}. After receiving that check I called and asked about the return of the deposit of {$200.00} that was required to open the account, and would be returned when the account was closed and all debts were paid. They told me it would take 30 ( thirty ) days for the to send it out. That would have made it XX/XX/XXXX. I called to see if it was sent out and they told me no that it would need 60 ( sixty ) days to be sent out. I am tired of this run around. I believe they have no desire to return my deposit as I have had so much trouble with them in the recent past on over  billing and made up interest charges. Please help.
Consumer complaint received 2018-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EULER HERMES UMA, INC. (AL)

I own a small restaurant that is a single member LLC. I was a COD customer for a local food company. The food company made a claim that I owe {$15000.00}. in a personal guarantee debt. I have disputed and provided documents to the local food company of payment. They have turned the debt over to a collection agency. I have communicated numerous times with the collection company and provided documentation showing their accounting errors and that the debt is not owed. I have also retained legal counsel and advised both parties. The debt collection company continue to harass me and my staff. I have advised them in writing no t to contact me and provided them with my legal counsels information and that I will follow legal advice. I have also, through my attorney, filed a suit in my home county against the food service company asking for a declarative judgement of any monies owed to them or me and for damages done to my business. The collection agency and the food service company have been served by the court these documents. The debt collection company still continues to harass me and my staff and acknowledges that they did get served but that I probably made that up. The harassment has cost me financially, and is damaging my business. It is making me sick and causing me undue stress. I have taken action to ask the court to decide if the money is owed, The harassment is non stop tying up my business and personal phone lines.
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Systems,Inc. (NY)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
NATIONAL CREDIT SYSTEM has violated my rights. 
15 USC 1681 Section 602 A. States I have the right to privacy.

15 usc 1681 S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 1681 c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the followingitems of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

please delete this account thank you.
Consumer complaint received 2020-06-08
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (GA)

To Whom it may concern I am appealing the following accounts ( See attachment ). 
As of XX/XX/XXXX I noticed on my credit report I have student loans from Navient on my credit report reflecting in a negative way. Navient was involved in a lawsuit back in XXXX XXXX, and XXXX. All participants who had student loans with them were paid off. ( Debt cancelled ) ( Loan Forgiveness ). It was supposed to however it wasn't according to my credit report. 
The loan was sold and transferred to XXXX  XXXX XXXX XXXX XXXX XXXX. This shouldve never happened when this matter was resolved in the lawsuit I stated earlier. After an extensive research I was directed to you concerning this matter. I asked that you please help me resolve this matter. Im trying to move on and start fresh but find it quite difficult when this has a negative impact on my report. 
There are four different accounts listed on my credit report from XXXX  XXXX XXXX XXXX XXXX XXXX which the debt shouldve been cancelled but instead they have impacted my credit report in a major negative way. ( See attachment below ) Please help. I look forward to hearing from you along with having this matter resolved. 


Thank you for your service Respectively Yours
Consumer complaint received 2019-11-21
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. (SC)

A collections company called XXXX XXXX XXXX reported to Experian that I owed {$420.00} from a creditor called XXXX XXXX of XXXX. I disputed this reported debt from XXXX XXXX  with Experian on numerous occasions only to have it confirmed after each dispute. After disputing this collection debt with the Consumer Finance Protection Bureau on  XX/XX/2019 ( complaint # XXXX ), XXXX XXXX XXXX reported that my debt was {$350.00} and not {$420.00}. I again disputed this debt with Experian after receiving my response from the CFPB. On XX/XX/2019, Experian lowered the debt amount reported by XXXX XXXX  from {$420.00} to {$350.00}. Experian then lowered my credit score and stated that I made a late payment to XXXX XXXX  which is unlawful, untruthful and unfair to me as a consumer. I've never made a payment to XXXX XXXX  and I am still denying this invalid debt collections because this amount was paid prior to it being reported to collections or it is fraudulent. I've had fraudulent activity attempted with my name and personal information this year and prior to this year because my personal information has been compromised. XXXX XXXX  has not responded to my dispute since it was submitted on XX/XX/2019 and has not lawfully sent me validation of this debt which I have requested.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (AZ)

I have a Barclayscard Arrival + Mastercard. I use this card for one exclusive purpose ; it provides travel cancellation and interruption insurance. Barclays advertised this point as a marketing tool to get consumers to sign up for the card. The insurance benefit is {$5000.00} for a trip. Based on Barclays prior reputation, I trusted them to honor and to have this benefit for piece of mind. 

When I went to file a travel claim based on XXXX XXXX filing bankruptcy and getting stuck with {$600.00} of cancellation fees that were not reimbursed to my Barclays card, I submitted a claim only to have it declined. 

I have since appealed and I have not heard back from anyone acknowledging the appeal or the fact that I disagree with the decision. 

I find the insurance benefit to be very deceptive, unfair and misleading. I provided a valid explanation along with extensive support documentation for this claim.
Consumer complaint received 2024-08-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc (FL)

On XX/XX/year> I received an email from Affirm informing me that a cybersecurity incident occurred with XXXX XXXX and XXXX, one of Affirms partners. The email stated personal I information may have been compromised but that your affirm card is still working and safe to use. Next email was received on XX/XX/year> from Affirm stated I would receive a notice from XXXX XXXX XXXX XXXX  and To summarize, a cybercriminal organization illegally accessed and obtained some personal information about Evolve retail bank 's customers and those of its financial technology partners, which include Affirm. For Affirm Card users, this means that your personal information may have been inappropriately accessed as a result of this incident. The third email on XX/XX/year> was received by XXXX XXXX XXXX XXXX informing me of the Data Breach, The last purchase I made with my Affirm card was on XX/XX/year> and less than XXXX hours after the transaction, I find out I can not request a payment plan and my available to purchase amount was XXXX. I emailed Affirm on XX/XX/year> and didnt receive a reply until XX/XX/year>. I responded back and again, no response. I called Affirm on XX/XX/year> and got no help from a representative. They told me I could call back in XXXX business days for an update of my account status. As of today XX/XX/year>, I have no ability to buy anything through Affirm and my account has not been updated since XX/XX/year>.
Consumer complaint received 2023-01-16
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. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXXXXXX 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 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 XXXXXX/XX/2022 Balance : {$6900.00}.
Consumer complaint received 2020-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (TX)

I have mailed and sent Equifax copies of the court dismissal paperwork of the debt I supposedly owed to Midland Funding. The paperwork clearly states the companies name, Midland Funding and the words dismissed without prejudice to ( Me ) XXXX XXXX.
Consumer complaint received 2020-06-08
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: Ad Astra Recovery Services Inc (OH)

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, AD ASTRA RECOVERY SERVIC # XXXX, XXXX XXXX XXXX # XXXX.
Consumer complaint received 2024-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am extremely dissatisfied with your failure to remove all fraudulent accounts from my credit report, unlike TransUnion 's compliance. The discrepancies persisting on my report are unacceptable. 
I demand immediate action to remove the remaining fraudulent accounts, including XXXX XXXX XXXX XXXX, as TransUnion has done.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC (MI)

The following alleged collection account is listed as having a PAST DUE BALANCE of $ XXXX This is a violation of the FCRA and is in violation of requisite XXXX Compliant reporting standards. 
According to the Fair credit Reporting Act I have right to a completely accurate credit report, and you are required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all XXXX reporting standards and this account removed upon completion.
Consumer complaint received 2019-12-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (LA)

I had a PayPal online credit account. I paid each month on the balance. Suddenly, I began getting phone calls and direct mail from Synchrony Bank saying they are representing PayPal to collect debt. I'm sending them money each month, they've reported that I owe them over {$1100.00} to XXXX  and the other 2 credit agencies and have closed the account. Yet, they are harassing me via phone call every 10 minutes every day. They phone callers leave voicemail messages only stating " hello, hello '' and stating my first name with the caller stretching out pronouncing my first name like a stalker, then they hang up. This happens back to back, then they wait an hour then do that again. The ONLY reason I know it's them is because I call the number right back after I answer and they hang up on me. Then a woman says she is Synchrony Bank. Then I will tell her that I've asked them repeatedly to stop calling me, stop calling my family, stop sending me mail threatening to send me the collections and that being a single parent on SSI there IS NO money yet I'm still sending money each month so just stop harassing and threatening me.
Consumer complaint received 2023-01-16
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-06-08
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 decided to get my credit pulled due to a couple of bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX   XXXX {$760.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX {$750.00}
Consumer complaint received 2023-12-07
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. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2020-06-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (NC)

Repeated, harassing calls CONSTANTLY! I have asked multiple times to stop calling so much and only to call once a month and to leave a message for me. They then have contacted my work, some of my friends, some family members and ex-family members as well about getting information and it stating they are a debt collection company. I have written a letter on XX/XX/XXXX for them to cease all calls to everyone except for me, including not calling my work phone as well. and to ONLY call ONE time and leave a message with ME. I have still received calls, but they are addressing a family member on my voicemail. when I called in they said my name ( not the family members name ) and I asked so who exactly are you calling for and they would not say. I am wanting to see if I can take legal action since they have disregarded my letters.
Consumer complaint received 2018-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (FL)

I have tried and tried to get another credit card from american express over and over and since i complained before i have been shot down absolutely ever time. i do believe I'm being singled out and discriminated against. i would like the cfpb to investigation and back my lawsuit against american express.
Consumer complaint received 2020-06-08
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: Experian Information Solutions Inc. (KY)

The credit bureau did not remove for inaccurate closed accounts from my report. The accounts are well over 7 years old, wrong payment history and reporting as either paid recently. These accounts have never been paid by me or own by me. I dispute these accounts over 3 weeks to get a re-dispute that still is not accurate. Both Kheaa, and Kentucky Higher Education have never paid ever and are well over 7 years old. They continue to update the payment history eventhough for the 4 accounts this is also not true.