davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MI)

XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX Care Credit Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX RE XXXX XXXX XXXX XXXX HAIR LOSS EXPERT Credit my account with {$2200.00}. This is fraud. I do not care what they are saying. I have used your credit card in the past for my dental with no problems. The customer is always right and should be respected. 

The process is unfair. It is also unclear. I made one appointment on Thursday, XX/XX/2022. When I left the office, a day later I noticed the office generated a host of appointments for the entire fees charged. Without even consulting me and my schedule. XXXX. 

My Care Credit account was charged the full amount of {$4000.00}. XXXX consultation. XXXX me {$2200.00} after credit. No treatment just appointments. It was mentioned the products. 

The cancellation policy was not stated in the beginning. It is not included in the initial paperwork. I have attached the original document. The appointments were in the XXXX. I have included in the attachment. 

My current balance is {$3400.00} of that I only owe {$1100.00}. The {$2200.00} is still XXXX XXXX responsibility. I have been so disappointed with this situation. I have place Care Credit out of my thoughts. I have worked hard to maintain my credit. As a result, I have incurred late fees. 

XXXX XXXX
Consumer complaint received 2023-03-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AmeriCash Holding LLC (WI)

I had unauthorized charges in my account at the bank and that put me in a bind. I tried to explain to Americash. I contacted XXXX and they sent two letters to Americash - one on XX/XX/XXXX and another on XX/XX/XXXX. Please see attached. Americash is still contacting me and harassing me even though they were advised numerous times to cease and desist. I have given them XXXX information as well. ( Please see attached. ) They are supposed to contact XXXX if they have any questions.
Consumer complaint received 2022-09-25
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 witn the Fair creair reporing act. The List or accounts berow nas viorared my rederally protecred consumer rignts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-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.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (MI)

BMW is reporting incorrectly to XXXX   ; XXXX and XXXX a prior delinquency in XX/XX/2017 on the BMW FIN partial account number XXXX. ( Please see page attached from my credit report. ) I make this monthly payment via XXXX XXXX XXXX payment system. I set-up when the payment should be sent and per the customer service agreement, XXXX guarantees payment to be remitted and credited to the account specified in a timely manner. When I was made aware that this payment never reached BMW on or before the due date, I immediately contacted XXXX XXXX XXXX. The representative I spoke with assured me that the payment was sent out and that BMW should have received in on time. Unfortunately, the payment was not sent out timely, which was through no fault of my own, and I was zapped with a late payment. I have an excellent payment history with BMW and respectfully request that BMW contact the ( 3 ) bureaus and have this prior delinquency removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-09-25
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. (TX)

In accordance witn the Fair creair reporing act. The List or accounts berow nas viorared my rederally protecred consumer rignts to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX XXXXccount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-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.
Consumer complaint received 2022-04-16
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. (NC)

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. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2022-09-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I wrote Wakefield and Associates on XXXX XXXX, 2022 to receive verification of a debt, which I didn't receive instead they put a collection on my credit report. XXXX Wakefield and Associates website this is a violation of my consumer rights and I would like to request this debt be removed from my credit report immediately. Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, TN XXXX.
Consumer complaint received 2019-01-31
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: Experian Information Solutions Inc. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX {$4100.00} XXXX  {$5100.00}
Consumer complaint received 2022-11-10
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)

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To whom it concerns, I recently received a copy of my consumer reports ( Experian, XXXX, XXXX ), and I noticed that your company is reporting Late Payments on my consumer report. 

DEPT OF EDUCATION-XXXX ( XXXX ) DEPT OF EDUCATION-XXXX ( XXXX ) Your company is in clear violation of the law. Under 15 U.S. Code 1681 ( b ) permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Please answer the following questions : - Did I give you written instructions to furnish this account on my consumer report?

- Do you have a Power of Attorney to act on my behalf that was signed and certified by a XXXX to confirm your authority to act? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) ( 2 ) EXCLUSIONS - Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the Consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S. Code 1681.

You have 10 calendar days to update my account and remove ALL late payments that are reporting. 

DEPT OF EDUCATION-XXXX ( XXXX ) DEPT OF EDUCATION-XXXX ( XXXX ) Your failure to respond satisfactorily with the deletion of the above Utilization will result in REDRESS being taken against XXXX and its CEO XXXX XXXX XXXX XXXX, for which I will also be seeking a sum certain $ XXXX United Stated Dollars per violation for : 1 . Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability XXXX. XXXX XXXX XXXX. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance section 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ] Govern Yourselves Accordingly. 

Regards, XXXX : XXXX, authorized rep/agent/living beneficiary/grantor all rights reclaimed and reserved.
Consumer complaint received 2022-11-10
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: VYSTAR CREDIT UNION (FL)

I had fraud charges hit my Vystar debit and credit card in XXXX this year. I immediately reported the fraud the same hour. I asked them to stop all transactions, All but XXXX of these transactions were still pending when I contacted Vystar. 

Vystar reimbursed me on my Debit Card XXXX and my Credit card XXXX These charges were from XXXX, I believe they were from XXXX XXXX, XXXX After 30 days Vystar reversed the XXXX credit on my debit card saying I gave access to my computer and therefore the IP address. I explained to Vystar that I was led to believe it was a legitimate streaming service and it was a technician helping me with a problem on my streaming service and gave access to my computer under false pretense. 

They then refunded me the XXXX charge once again Then 60 days later Vystar took back the XXXX credit they had given me on my credit card for the same reason. 

Again, I explained to them what happened but the fraud manager refused to give me back the credit and then froze my debit and credit card stating I was a security threat. 

This happened one time and over 3 months ago and now they chose this action on me. 

I simply want to be refunded the XXXX they initially credited to me 3 months ago They refused to work with me on this matter. Not only is their a wrongful XXXX in charges on my credit card but I am getting hit with huge interested charges on it. 

Thank you and I hope you can help me deal with this issue.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have sent numerous letters requesting approval and the strategy for how they approved different false and sketchy things on my credit report and have not gotten back anything in more than 45 days for these records that are obviously wrong and fake records. This credit authority is ignoring the law and exploiting buyers and this has caused large pressure in my life. The latest guaranteed letter I sent was XX/XX/23. These are the accounts and their account numbers : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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. 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. 1681s-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.
Consumer complaint received 2022-09-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

A scammer advertised transferrable concert tickets via XXXX using a XXXX account. I authorized payment for the tickets on XX/XX/XXXX. After not receiving the ticket transfer and not being able to contact the scammer I realized it was fraudulent, I reached out to PNC Bank on XX/XX/XXXX to ask for recourse and provided the scammer 's XXXX. The bank 's response was that nothing could be done. I would like this investigated and an attempt to recoup the funds of {$110.00} from the fraudulent XXXX account. The name on the XXXX is XXXX XXXX and the XXXX # is XXXX
Consumer complaint received 2022-09-01
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. (TX)

I reached out to Experian to explain theyre reporting inaccurate information. The accounts do not belong to me so please remove them and they came back to say the accounts are verified in less than 24 hours. I provided proof that I was born in the year XXXX so it is not possible for the accounts to be mine because I was around 14 years old when the accounts were established. I atttached my license, voter registration card, diploma, and a picture of me holding my high school diploma on XX/XX/XXXX but they refused to remove this inaccurate information. Please help me.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

Resurgent Capital Services # XXXX and XXXX XXXX XXXX # XXXX are double reporting on my credit report. They are both reporting the same collection with the same balance and account number on XXXX. Resurgent is only reporting the same collection on XXXX and not the other bureaus. This is a violation and it needs to be removed.
Consumer complaint received 2021-08-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (MO)

I received an email saying that my account is permanently suspended, without any instructions regarding how to get my remaining {$600.00} balance back. My online access was imediately banned and I can't even access my account statement. Called customer service but no one picks up, because my account was banned.
Consumer complaint received 2023-01-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In XX/XX/2022, I sent a certified letter to TransUnion to investigate how they are reporting a payment status on a closed account. They did not respond so I sent a follow up letter in XX/XX/2022. I received a response that they " verified with the creditor that it is reporting correctly ''. I believe this to be a ridiculous response considering, 1 ) The account is CLOSED and was paid in full 2 ) The payment status is not reporting inaccurately because of the creditor it is the way TransUnion is reporting it 3 ) A payment status is to report as the " CURRENT '' Payment status. 
4 ) They are reporting a derogatory payment status on a paid in full closed account. TransUnion is reporting it as ; '' 30 Days Past Due '' The account is closed and paid in full. THEREFORE the Payment Status should read " PAID AS AGREED '' This is an FCRA VIOLATION- and if not corrected I will pursue legal action for their blatant disregard for the law. This is harmful to my credit score and is completely inaccurate. Ive included both certified letters, as well as a copy of my credit report with the inaccurate information highlighted.
Consumer complaint received 2023-03-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NY)

On XXXX XXXX XXXX Wells Fargo Dealer Services illegally repossessed my XXXX XXXX XXXX. I suspected inaccurate Accounting practices in XXXX, and on XX/XX/XXXX, I reached out to the Corporate office via fax to manager XXXXXXXX XXXX  attention to highlight the following : - I raised an issue Wells Fargo was later fined billions of dollars for BEFORE it happened. 

- 12 car payments in XXXX were not applied to my account at all or promptly despite making all payments in Wells Fargo Branches. 

- Poor record keeping by WFDS was systemic ; for example, a statement dated XXXX XXXX XXXX incorrectly required me to pay on XX/XX/XXXX! Was the payment I remitted recorded as made in XXXX of XXXX, causing me to " miss '' the XXXX payment? 

- WFDS blocked me from contacting their call center after this incident. Wells Fargo continues to " gaslight '' me by saying XXXX XXXX " spreadsheet '' from XXXX is accurate despite my faxing concrete evidence and a Spreadsheet not being the official ledger.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2022-12-16
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. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE