davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, 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. (ID)

I believe I'm a victim of fraud for some reason I have 12 hard inquiries In the last 12 months that were not done by me. I have reached out multiple time to these companies and never got.a.response back. For them to remove them.
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NV)

On XXXX XX/XX/XXXX I paid online de full amount of {$150.00}. I received the online payment confirmation thanking me for the payment. With this transaction, I assumed that I had fulfilled my payment obligations, so I was quite because I had made the full payment, like it showed in the statement and in the online account. In fact I fulfilled my payment obligations. Curiously, I go to the credit card page online on XX/XX/XXXX of the present and I see that I had {$34.00} dollars charged for late payment, and that was showing on XX/XX/XXXX, two days after I had paid the amount of {$150.00} fully, they charged me late fees. Without thinking about it, I paid those XXXX dollars. Immediately I made a phone call to the agency asking them why I had these charges ; they apologized to me but didn't give an answer. It was on XXXX XX/XX/XXXX. After I called them again, but unsuccessful my attempt that when I paid, I paid the full amount according to the statement and I had not made any other purchase, nor did it appear on the statement, nor on the website, no other charge. Also The agency reported a missing payment to the Credit bureau on XXXX, but I had made the payment on XX/XX/XXXX. Why did they report that owed amount of {$34.00} on XXXX XX/XX/XXXX if I had already paid the total amount and it was after my phone call claiming them there was an error? Now I realize that those {$34.00} that they have been charging me are incorrect and even more so because they have affected my credit, that so much effort has cost to build, for no reason. That is why I humbly ask both agencies to investigate this error. I have the statement for XXXX and the payment confirmation for XX/XX/XXXX, as evidence. Also I don't have any available credit in my credit account. It is {$0.00} and I don't know why. I feel very mistreated as a consumer. Thank you very much in advance.
Consumer complaint received 2022-06-04
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. (TX)

In accordance with the fair credit credit reporter act conversion. 
Account number XXXX has violated my rights XXXX XXXX XXXX Balance XXXX Account number XXXX has violated my rights XXXX XXXX Balance XXXX Account number XXXX has violated my rights kick off lending XXXX XXXX Balance XXXX Account number XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX. Bankruptcy XXXX XXXX dismissed
Consumer complaint received 2022-06-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION (TX)

I divorced my husband XX/XX/XXXX. According to our XX/XX/XXXX divorce decree each party was held liable for property in said possession. I moved to Texas from AZ. The vehicle was in my husbands possession in Arizona. He did not pay the loan on the vehicle. In XXXX of XXXX, he allowed Regional Acceptance  to repo the vehicle. That repo hit my credit, as I was the primary and my ex husband the co signer. I reached out to Regional Acceptance and all XXXX credit bureaus for removal according to a legal document stating ownership.I notified Regional Acceptance that he was not going to pay them, that I lived in Texas, that I was not in possession of the vehicle. I personally hired a repo man to repo the vehicle for me, but was unsuccessful.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (ID)

I believe I'm a victim of fraud for some reason I have 12 hard inquiries In the last 12 months that were not done by me. I have reached out multiple time to these companies and never got.a.response back. For them to remove them.
Consumer complaint received 2022-06-04
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: EQUIFAX, INC. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2022-06-04
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)

In accordance with the Fair Credit Reporting Act, these Inaccurate accounts has violated my rights and therefore must be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. XXXX XXXX " Responsibilities of furnishers of information to consumer reporting agencies. 
I submitted a report from the Federal Trade Commission in regards to the Identity Theft that took place with regards to my credit. The Bureaus and furnishers have been contacted and have not corrected the fraudulent accounts showing in my credit report.
Consumer complaint received 2022-06-04
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: Experian Information Solutions Inc. (AZ)

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX, XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXXand XXXX XXXX XXXX  XXXX  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 agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-04
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. (IN)

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX, XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXXand XXXX XXXX XXXX XXXX XXXXXXXX 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 agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IN)

I had 19 unauthorized transactions to XXXX that I did not make on XX/XX/2022 on my chime card and I called them the same day and tried to get them to stop the transactions and they told me I had to wait until they posted and I couldn't even file a dispute until 3 business days passed the total on the transactions was XXXX and XXXX cents and they were made within minutes apart you can clearly see that it's a scam. I then called the merchant XXXX and they told me that I have to have and account or a XXXX  credit card to make purchases through XXXX. They looked up my name my address my social security number my birthday and my email and could not find anything linked to me so my financial institution will have to contact them so they can work together to get this resolved I relayed this to the chime dispute center through a phone call and was informed that they would add this to the case for investigation and they continue to deny my disputes and I continue to call them every day asking why these disputes have been denied and I was informed that I have sent them an email to them with this information in it to get them ro reopen the disputes I emailed them with a reference number from XXXX where I reported it to them so they could work together to get this fraudulent activity taken care of and I can get my money back and they told me it can take up to 90 days in an email.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (IL)

Phones on several occasions wondering why my insurance didnt pay. It was an emergency room visit and tests were done. Phoned my insurance company and they asked for the paperwork to be sent again with details about why they did the tests. Since I was in the hospital my insurance or XXXX XXXX XXXX should have paid.
Consumer complaint received 2022-06-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX I reached out to The XXXX XXXX XXXX XXXX via certified mail in regards to a collection account for {$1100.00} on my report I have actually reached out to this company twice in regards to validating this debt. I have no contract with this company with my signature.This company doesnt have a license to collect a debt in the state of Michigan XXXX They also did multiple soft pulls on my credit report. This company never responded both times Ive reached out. On XX/XX/2022 I decided to reach out to XXXX, XXXX, and Experian via certified mail in regards to the collection account as well as a charge off account from Regional Acceptance and a few other accounts asking all three of the bureaus to validate these accounts. All three credit bureaus stated that the debts were verified I saw this information from the main websites they did not send me any of the documents that I asked for. I feel like the credit bureaus have failed in regards to treating me fairly. This has affected my credit score Tremendously and this has affecting me in regards to obtaining new credit.
Consumer complaint received 2020-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

This company is showing a collection account on my credit report for the amount of {$2000.00}. I contacted them and disputed with the credit bureaus and nothing has been done. I don '' t have an account with this company. I don '' t have a sign contract with this company.
Consumer complaint received 2020-02-19
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: Synovus Bank (TX)

I submitted a dispute to XXXX  on XX/XX/XXXX after delinquent First Progress account was paid in full. Balance was updated, but XX/XX/XXXX was updated as charge off, after account paid in full. Original balance was {$130.00}, payment was {$140.00} on XX/XX/XXXX. 
Another dispute with XXXX updating on XX/XX/XXXX updated goodwill adjustments ( negative comments removed up to XX/XX/XXXX ), but added negative comments to XXXX and XXXX,  XXXX. 
Latest XXXX dispute began XX/XX/XXXX and ended XX/XX/XXXXwas due to negative comments to XXXX  and XXXX. The update for this dispute was to move negative comments from XXXX and XX/XX/XXXX to XXXX and XX/XX/XXXX. 
XXXX can not /will not remove the account from my credit, even though it is set to drop off in XX/XX/XXXX,  which I requested by phone on XX/XX/XXXX. XXXX   states that they can open another dispute, but can not guarantee that it will be correct. 
I sent a fax including the attached information to First Progress on Monday, XX/XX/XXXX. 
Each time the account shows as charge off in XXXX, my credit score drops again.
Consumer complaint received 2019-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Best Service Co.,Inc (CO)

Best Service Company in collusion with XXXX XXXX XXXX XXXX XXXX XXXX is reporting a debt on my credit report that is not owed. I do not have and never had an account with these morons.
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 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  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 agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-02-19
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. (UT)

XXXX XXXX XXXX  # XXXX and # XXXX are reporting invalid lates to my accounts. I made these payments and the mortgage company misapplied it. They told me that they would be removing the lates but they have yet to take them off of my credit. This is a violation and I want these lates removed.
Consumer complaint received 2022-04-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (CA)

I purchased a vehicle through XXXX back in XXXX of XXXX. I never received a title or registration. I have totaled the vehicle in XXXX of XXXX. XXXX calls it a total loss and the pay off amount is more than I owe on the car. XXXX can't pay off the loan until there is a title. Despite constant contact, there is still no title. For every 10 days that goes by, the amount of money coming back to me reduces by over {$100.00} in interest. And to top it all off, the finance company, Bridgecrest, which is owned by XXXX, is now reporting me to the credit bureau as being 30 days late, and soon to be 60 days. This despite my insurance trying to pay off the vehicle, but can't, due to every fault of theres. XXXX is no longer responding to my emails. I am getting NO COMMUNICATION at all. I need help with this. They are going to destroy my credit all the while reducing the amount of money that will be paid back to me. In 3 months, it will have been a full year that I have not gotten my title or registration. How is this even legal?
Consumer complaint received 2020-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Someone stole my identity and withdrew all the money in my account and wrote bad checks and cashed them witch left me with a negative balance. When I found out a lot of transactions that were made that wasnt from me was happening I called the bank and told them what was wrong and they went over which transactions that I was stating that I did not make and they pulled them up. Bank rep tells me theyll open up an investigation and I had nothing to worry about and these things happen all the time and that they will freeze the account and told me to open a new account so I can put my money in a new safe account ... weeks go by and suddenly I go to deposit my checks I. The account and the very next day I go to check my account all my funds were gone and I called the bank and they said that they had taken all the funds because I owe the bank money cause the frozen account was negative and that the freeze on the account was taken off cause the investigation was done and the had came to believe that I had made all the transactions myself and not someone else ... Ive asked them how they can let this happen, how can they allow someone pretending to be me go inside their office and withdrawal such large sums of money and clearing it so fast and how they did not catch the sudden change of account activity in this short of a time that does not match my normal transaction activities. Their response were they dont know and every question I asked them I was told they dont have a answer to the questions and theres nothing they can do about it and theres no one else I can speak to to resolve the situation. Representative told me I can not recover the money that was taken from me and I still owe them more money and that I have to setup payment arrangements with collections. Makes no sense to me how the bank who I trusted and banked with over 20 years can have me believe and reassured me that they will look into the situation and That I would get my hard working money back would turn around and accuse me of being a criminal. Me being a victim of fraud or ID theft to being a criminal does not fit me well. Shame on XXXX  XXXX  XXXX for treating their loyal customers like criminals. I was tricked by the bank to open a new account and deposit my checks and that it would be safe.for the bank to just abuse my trust and just go into my account and just take all the money I had just deposited. Theres not just one thief that stole from me but two!!!  which first is a criminal and second is XXXX  XXXX  XXXX
Consumer complaint received 2022-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (UT)

I am a previous student of XXXX XXXX, received a letter from the department of education it was a Notice of Eligibility for loan discharge on XX/XX/2022 Because thr school was involved in fraudulent activities and the new servicer ED financial is refusing to honor the letter
Consumer complaint received 2022-06-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I wanted to buy concert tickets from a user on XXXX who sent me a screen recording going from our conversation to the concert tickets in question, then back to our conversation again, so I believed this person to be credible. The user wanted the payment to go out to XXXX XXXX and the XXXX handle was XXXX XXXX  They requested {$500.00} for each ticket ( XXXX tickets ) and I sent {$500.00} to them through XXXX XXXX as they had asked ) and then my father sent the remaining amount through XXXX as well. The user told me that they were going to send me the tickets in XXXX hours. XXXX hours later they did not send the tickets and did not respond when I contacted them regarding the tickets.