davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-13
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 am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-02-24
Product: Credit card — Store credit card
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: Bread Financial Holdings, Inc. (FL)

Upon meticulous review of my credit report, I have discovered unauthorized charges that resulted in an increased balance and accrued interest on the closed account. All payments were done on XXXX/XXXX/XXXX, the account was finally closed on XX/XX/year> as requested over the phone by me. This event has adversely impacted my credit score, impeding my financial opportunities, as I have been reported to all credit bureaus for a non existing balance on a closed account. 


Having such a low score at this very moment is directly impacting my abilities to buy a house, refinance my vehicle and even rent an apartment. 

Help over the phone does not have any effect on this situation. The bank rely heavily on automated systems, meanwhile customer service only read off of a prompt screen, yet no solution to this case, days go by and I keep getting directly affected.
Consumer complaint received 2021-06-29
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: EQUIFAX, INC. (OH)

On XX/XX/2021 and on XX/XX/2021 I sent a letter to Equifax asking them to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted, after 30 days there was nothing sent to me and items still show on my report. As of today XX/XX/2021 I have yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted.
Consumer complaint received 2019-09-25
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Advanced Collection Bureau, Inc. (FL)

On XX/XX/19 at XXXX XXXX I contacted XXXX XXXX XXXX XXXX/ XXXX XXXX hospital at XXXX, I told her that Ive been paying XXXX a month which thats the only thing I could pay, she said we cant accept that type of payment, is not that am not willing to pay I really cant pay more, than she said dont you work at XXXX you should be able to pay more. If you send XXXX dollars we would have to send the payments back, I really didnt like the fact that she said I could pay more cause I worked at XXXX. Plus that they would send the payments back not willing to listen, I said I dont appreciate you telling me that because I work at XXXX I have to pay more, she was I dont have to listen to you, you need to pay more and hang up. My debt if XXXX dollars I have more bills this what I could afford.
Consumer complaint received 2021-06-29
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. (OH)

There is an account with XXXX reporting on my name TransUnion account that is not mine. It says it is a joint account but I never opened nor authorized it. I asked everyone in my family and no one recognized it so it has to be a mistake or blatant fraud. I contacted XXXX and they said they would remove it, and I know they did because it was removed from my XXXX  and XXXX  reports. I contacted Transunion several times to follow up but they seem to be ignoring me.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I submitted a dispute for a transaction from XXXX XXXX XXXX  XXXX back in XXXX due to gettting sick from consuming their food. I received the credit from Bank of America.however, a couple of days after I received a notification stating that they were going to remove the credit I was awarded. I submitted all the information requested proving that I got food poisoning from this restaurant and I even submitted a report to the Food Safety and Inspection Agency ( USDA ). I would like Bank of America to review this claim and refund my money back to my account, the claim number is XXXX.
Consumer complaint received 2024-02-24
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (OK)

A synchrony bank is trying to say I owe money on my Amazon account. I have called Amazon and their cards are with XXXX not synchrony bank. This phone number XXXX keeps robo calling me and it says it's synchrony bank calling about my Amazon account. I have also received an email today stating I have an overdue account balance. Amazon has assured me of my positive balance on my card. This phone number came up as fraud and robo calls when I XXXX it.
Consumer complaint received 2023-07-07
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. (PA)

XXXX XXXX  XXXX XXXX Open XX/XX/XXXX. Balance XXXX The account is showing that I was 30 days late. I have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness. 

XXXX XXXX Open XX/XX/XXXX Balance is {$8800.00} This account is show 30 day late. have confirmation that all payments were made before due date. This is having a negative impact on my score and my credit worthiness. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

synchrony bank told me that it was payment left on my account. I called HSN the person who I get the items from several weeks ago. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I needed to pay the full-balance on the account. They look at the account and told me it would be over 80 or 90 to pay the account. off. I notice on my credit report that I was 60 days late. 
At no time did I receive a letter in the mail from the company that anything was late. Synchrony Bank have a history of over charging people for items that was not on the account. I feel like this bank has falsely reported information to the credit company. I have neve been late on this account for over 7 years. I paid the balance in full and they told me from HSN account had been paid. 
Now Synchrony Bank has place an item on my account so it would show late. I did not owe this balance case the told me they would not report it as being late due to the fact my husband had the information and his e-mail was attached to the account. I was not aware that he has his e-mail on the account. 
He was letting his friend buy things on the account without my knowelge.. I am asking you to make this bank provide documentation that the item on the account was not paid to HSN.
Consumer complaint received 2021-03-14
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. (IN)

I recently have been checking my credit report because I want to buy a home soon, and I have seen that there is an account that has been opened for XXXX. Apparently some thing was purchased XX/XX/2019 for several furniture items that I never had purchased. It was purchased from a store called stop and shop, I have never been to that store, up until this past week to see if they could give me any information. They can not provide me with said information so I called the company and I was told to report it. Hopefully this can get resolved so the account can get removed from my credit for something that I did not purchase. My identity was stolen and somehow someone purchased all these things.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (NE)

On XX/XX/2021, I completed an application to get a business checking account with Wells Fargo. Below is details of the person I spoke with XXXX XXXX Inbound Sales Specialist II Wells Fargo Virtual Channels Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX X XXXX | Fax XXXX XXXX asked me to submit all of my business identifying information through a secure messaging portal. The next day, XX/XX/XXXX, I received an email saying check the status of my application. I was not approved for this account. 

It wasn't until XX/XX/XXXX when I got a notification from my consumer report as seen in the first attachment that an account was opened with my social security number through Wells Fargo. I never remembered entering into a consumer credit transaction with Wells Fargo or giving them the authority to open any accounts with me as a consumer. First I called XXXX, no answer. Then I called the number listed on my confirmation email of the application submission which was the business department where the guy repeatedly told me " I see your account, but I am not authorized to give you any information and that I will have to call another department. '' " I asked to be transferred to that department '' I waited for an hour and finally a lady answered and she repeated the same thing " I am not able to give you details on this account information. '' " I stated but the account is in my name. I just want my login information. She repeatedly stated that there was nothing she could do. Extremely discouraged at this point because this was only supposed to be a business checking account my company took a major financial loss behind this about $ XXXX worth but even more so I the consumer took an even bigger loss. Wells Fargo stole my identity, entered me into a consumer credit transaction, and opened an account under my name using my credit card. As you can see in the 2nd attachment I have what appears to be an adverse action which was sent to me on XX/XX/XXXX. Upon researching and trying to understand I ran across this Court Order attachment 3 from the CFPB, which states that Wells Fargo has a history of opening up accounts in consumers ' names. I am not sure what I did as a consumer to deserve such aggravated identity theft by Wells Fargo during these unfortunate times of the Pandemic, but I did not deserve for my identity to be stolen, to constantly get denied from Wells Fargo since they already have an account with my name on it, and to have take such financial loss behind what was suppose to have been a business transaction but instead was a consumer credit transaction.
Consumer complaint received 2024-01-18
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: EQUIFAX, INC. (AZ)

I am writing to challenge the existence of specific hard inquiry documented in your response from the Complaint ID XXXX. Despite your assurance that the creditor responsible has an internal fraud process, I find it unacceptable that Equifax permitted such inquiry without obtaining my explicit consent as a consumer. 

XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2021-06-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (FL)

No Contract, with Company reach out to XXXX the ystated that my information that was given was not what they had in thier system, and that they believed my information was used to obatin service without my consent.
Consumer complaint received 2021-06-29
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)

There are 6 accounts on my credit report that do not belong to me I have not approved authorized or used these accounts I need this off my credit reportr ASAP!!!! 

XXXX XXXX  - Account # XXXX XXXX {$2200.00} XXXX XXXX - Account # XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX - Account # XXXX XXXX {$3400.00} XXXX XXXX XXXX  - Account # XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXX - Account # XXXX XXXX {$300.00} XXXX XXXXXXXX - Account # XXXX XXXX {$130.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-29
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: ACIMA CREDIT, LLC (OH)

The is my THIRD!!! dispute letter and the account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
-ACIMA CREDIT XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sunbit, Inc. (PA)

I settled eith Sunbit for {$1600.00}, on XX/XX/year>. They wouldn't take one full payment, so it was paid in 5 payments of XXXX and one payment of XXXX. All paid XX/XX/year>. 
They keep calling me and telling me I owe them money. When they look at the record they see that it was paid off. They keep sending tickets to the technical team and managers to fix this, but it's not being resolved and they still keep calling. 
I've tried to dispute it through my XXXX credit report and it came back that their information is correct. It is not. 
I need them to show that I've paid off this debt and have it reflect as paid on my credit report.
Consumer complaint received 2021-06-29
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX  
2. XXXX XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XXXX.

3. XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX  ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

4. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XXXX.

5. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

6. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX.

7. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XXXX

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XXXX ( Reported Identity Theft )
Consumer complaint received 2023-05-19
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: World Acceptance Corporation (GA)

I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.
Consumer complaint received 2021-06-29
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. (OK)

Around the XXXX of XXXX I have been closely looking at my credit report as I was making extra payments to pay off my auto loan with XXXX XXXX XXXX. It was around that time that I was noticed that my credit report was not reflecting the payments that were being made. After contacting the company the advised me to start a dispute and that would get it straight. However, two additional phones were needed weeks later in order to correct the problem. As I move to early XXXX I paid off my debt completely. After weeks of not seeing the report I decided to launce another dispute on XX/XX/XXXX. On a recorded line with Experian I was told that XXXX had not reported payments from XX/XX/XXXX until XX/XX/XXXX. My complaint is XXXX XXXX company has not been reporting my payments as they should. The Fair Credit Reporting Act promotes FAIR CREDIT REPORTING. It is not fair that they have reported all the bad stuff, but not all the good stuff. They are responsible for some damage to my credit report. I would like CFPB to obtain the the exact history of XXXX XXXX XXXX XXXX XXXX XXXX. If it is determined that they are in violation. I will be seeking a legal complaint in the necessary court of law.
Consumer complaint received 2021-06-29
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 couldn't respond to a previous claim number-XXXX Experian said they don't have the accounts on my credit reporting but it is clearly showing and if it is not showing then why it it showing on my credit report. i will list the account below again. This has been past the four days that the law states for deletion in I demand that it gets deleted from my credit profile. XXXX XXXX from Experian in the fraud department has not returned my phone call. 

XXXX XXXX XXXX {$830.00} Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. My information was impacted by the XXXX data breach and by another data breach were thieves stole my identity to file for unemployment benefits as well. I have yet to receive a response yet and i feel like I am being ignored of my disputes. section 611 ( a ) plainly states that a failure to investigate these items gives a reason to immediately remove from my credit profile. Also with identity theft issues law 605B ( a ) ( 6 ) ( 15 usc & 1681 c-2 ) which states that these accounts must be removed in 4 business days of receipt. I demand these items be deleted immediately or I will file for litigation due to the stress you have caused me.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

It doesnt make sense if I dont have overdraft protection.. how did I get a over draft fee on XXXX. I have the call recorded when I took it off and I have the calls recorded that I dont have it on there. I will be filing a class action law suit if this fee is not taken off. Because most of the fees were caused by Wells Fargo and I have those past calls recorded before I took the over draft protection off. Thank you for your time. Have a wonderful day and please be safe.
Consumer complaint received 2021-06-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (AR)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2021-06-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (FL)

I made online purchases from XXXX and they send defected products. When I call XXXX to have these products returned for a refund the XXXX representatives tells me to dispute the charges with my Financial Institution. My Bank is Chase and when I contact Chase to dispute the charges Chase gives me a hard time and sides with XXXX and denies my claim. 

I'm filing a charge against XXXX and Chase.
Consumer complaint received 2021-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX/XXXX  XXXX  place a hard inquiries on my credit reports on XX/XX/2020. I have been trying to resolve this for almost a whole year. I was told by XXXX  and Transunion to file a compliant in order for it to be removed from my credit reports. I did not give none of these companies permission to pull my credit report.