davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (AZ)

Comenity called my cell phone & husband 's cell phone on XX/XX/2020, @ XXXX XXXX. asking for a person who is not me. Imperative that I call them back today. 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. (  same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 # XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 
Comenity called both phones again on XX/XX/2020 @ XXXX XXXX. ( same info. as above ). 

As you can see, Comenity Bank calls my phone and my husband 's phone several times a day sometimes. They ask for a XXXX XXXX, XXXX XXXX, or XXXX XXXX, none of which are me. I have sent the Company an email and asked them to CEASE and DESIST with no results. I told them I was going to file a Complaint and if they did not stop calling our phones, I would file a harassment suit against them. Comenity is calling on behalf of VS-XXXX  and XXXX XXXX. I used to have a VS XXXX XXXX, but no longer do. I disputed a reporting on my credit report against them, and it was removed. I have never had, nor ever been, inside of a XXXX XXXX, nor had a credit card for them. 

This nonsense needs to stop. It is very aggravating and annoying. I have not returned one of their calls and the harassment just keeps getting worse. My husband has never had an account with either of these companies either. Please help keep this company under control from harassing phone calls, especially when I am not the person they are looking for or trying to scam. 

Thank you in advance for any help you can provide.
Consumer complaint received 2020-08-11
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. (AZ)

i REPEATEDLY HAVE SUBMITTED DISPUTES ON XXXX XXXX XXXX. IN REGARDS TO WHAT THEY ARE REPORTING, AND I HAVE FILED DISPUTES WITH EXPERIAN, XXXX XXXX, AND XXXX. XXXX HAD CHARGED OFF THE ACCOUNT IN XX/XX/2018. THE BALANCE AT THAT POINT WAS XXXX. THE ACCOUNT IS CHARGED OFF AND CLOSED. XXXX  CONTINUES TO ADD PAYMENTS EVERY MONTH AND REPORTS IT TO EXPERIAN WHO LISTS THIS INCREASING BALANCE, THE BALANCE INCREASES, IT IS THE ORIGINAL CREDITOR. I UNDERSTAND THEY HAVE THE RIGHT TO COLLECT THE XXXX HOWEVER THEY DO NOT HAVE THE RIGHT TO KEEP ADDING FEES EQUIVELANT TO MY CAR PAYMENT, I HAVE ASKED REPEATEDLY FROM XXXX AND EXPERIAN TO VALIDATE THAT THEY HAVE THAT RIGHT IN MY CONTRACT TO DO SO, HOWEVER NO ONE WILL SHOW ME MY SIGNED DATED CONTRACT AUTHORIZING THE CHARGES AS IS MY RIGHT TO RECEIVE. AT THIS POINT I WANT THEM REMOVED FROM ALL BUREAUS THEY REPORT TO.
Consumer complaint received 2019-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

Re : Chase XXXX visa. On XX/XX/XXXX should have received 15 night elite credits per visa benefit but did not due to an undisclosed change in visa program. 
Chase, via email, advertised an upgraded visa and did not disclose all changes. 
I contacted them and they refused to credit my 15 nights even though I paid my fee. They said they changed the timing to first quarter of following year XXXX. In doing so, they denied me my benefit for XXXX. 

This loss has ramifications with my status and benefits at XXXX. 

False and misleading advertising by email that was unsolicited. 

There are also discriminatory practices as anyone with an annual visa date prior to upgrade received their 15 nights for XXXX while others were denied.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Ad Astra Recovery Services Inc (AZ)

i REPEATEDLY HAVE SUBMITTED DISPUTES ON PRESTIGE FINANCIAL SVC. IN REGARDS TO WHAT THEY ARE REPORTING, AND I HAVE FILED DISPUTES WITH XXXX, XXXX XXXX, AND XXXX. PRESTIGE HAD CHARGED OFF THE ACCOUNT IN XX/XX/2018. THE BALANCE AT THAT POINT WAS XXXX. THE ACCOUNT IS CHARGED OFF AND CLOSED. PRESTIGE CONTINUES TO ADD PAYMENTS EVERY MONTH AND REPORTS IT TO XXXX WHO LISTS THIS INCREASING BALANCE, THE BALANCE INCREASES, IT IS THE ORIGINAL CREDITOR. I UNDERSTAND THEY HAVE THE RIGHT TO COLLECT THE XXXX HOWEVER THEY DO NOT HAVE THE RIGHT TO KEEP ADDING FEES EQUIVELANT TO MY CAR PAYMENT, I HAVE ASKED REPEATEDLY FROM PRESTIGE AND XXXX TO VALIDATE THAT THEY HAVE THAT RIGHT IN MY CONTRACT TO DO SO, HOWEVER NO ONE WILL SHOW ME MY SIGNED DATED CONTRACT AUTHORIZING THE CHARGES AS IS MY RIGHT TO RECEIVE. AT THIS POINT I WANT THEM REMOVED FROM ALL BUREAUS THEY REPORT TO.
Consumer complaint received 2020-06-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

The comanpy Wakefield & Associates, keeps harrassing me for a payment that was already settled, to my knowledge and proof, by our debt consolidation company. 

Date of origination listed on the account is XX/XX/2018. The amount they are requesting be paid is {$55.00}. 

I have a Paid in full letter from their website. Also a paid in full letter from our debt consolidation company. 

I have requested a letter showing what the original creditor is and the original paperwork from what this charge is from and they have failed to send multiple times. 

I have submitted serval disputes on there website, all of which go un responded to. 

I have pulled full credit report twice and this charge/collection is nowhere to be found on any accounts or any collection accounts on my full credit report.
Consumer complaint received 2022-10-31
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: Kansas Counselors, Inc. (KS)

PLEASE SEE ATTACHMENTS. XXXX is using abusive and fraudulent means to harass me into coercing a debt that pertaining information they are in possession of illegally. XXXX refuses to comply with HIPAA and GLB Act laws that protect my privacy.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX they refused to remove these accounts because the are old and they been on my report since XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-10-31
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Conduent Incorporated (PA)

I received the card in early XXXX. I can not use the card to pay bills. I have tried to use the bill pay on their website- I have authorized everything it said I needed, but it keeps taking me back to the general login. 
I tried paying directly with my card online. It was declined multiple times. 
I have spent so much time trying to get my money. 
I have not received any support for my children since XXXX and now I can't get my money off this card. I am extremely frustrated. 
I have called several times and no choice leads me to a human. I called domestic relations and they told me to call the card number. I am afraid I will pass my 6-call limit and start getting charged for calling ( which is absolutely ridiculous )
Consumer complaint received 2020-06-17
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)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$4800.00}
Consumer complaint received 2020-06-17
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. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX  XXXX {$4800.00}
Consumer complaint received 2020-06-12
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. (AR)

I decided to get my credit pulled due to a couple of collection letters 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 {$390.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$440.00}
Consumer complaint received 2020-08-11
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. (PA)

I am writing to inform you that you are in violation of Federal Statute and I am considering litigation. I have retained legal counsel. In an effort to resolve this matter amicably, I will make one written request.

I am formally requesting that you validate all trade line notations you have submitted to the three major credit reporting agencies by [ RecipientName ], for account number XXXX  XXXX XXXX Account number XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. 

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for civil complaints being filed in accordance with FACTA, FCRA, and other federal and state laws. 

Please remove account as soon as possible, because this account is fraud and never belong to me.
Consumer complaint received 2020-08-11
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. (AR)

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX   XXXX {$2700.00} XXXX {$2700.00} XXXX   XXXX {$2000.00} EQUIFAX XXXX {$1500.00} XXXX XXXX {$5100.00} XXXX XXXX {$12000.00} XXXX XXXX {$1400.00} XXXX {$260.00} XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$5000.00} XXXX  XXXX {$4000.00} XXXX XXXX {$5500.00} XXXX XXXX {$4000.00} XXXX  XXXX {$5500.00}
Consumer complaint received 2020-06-12
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. (OH)

Good morning. 
I am at wits end regarding my credit. THIS IS MY 5TH FORMAL COMPLAINT WITH CFPB AND EXPERIAN. Experian continues to list wrong information on my report for my sister, XXXX XXXX. Last year it was her student loans, which prevented me from getting a Refi on my house. This month, its my sisters car payment, inquiries to purchase cars! Someone at Experian accidentally merged my sisters credit report with mine over a year ago, and I contacted the consumerfinance.gov, and filed a Complaint, now I have contacted the Ohio Attorney General since you keep closing my complaints and marked as resolved. They are not resolved. Every month, for 6 months I filed a complaint after Experian replies and indicates " no problems here '' - and " Credit is not merged '' - But every month, I get a notification from Experian telling me that my report dropped 100 points, and it shows my sisters outstanding loans. After my sister got approved for SSDI late last year, she applied to have student loans removed from her report, and for a few months its been quiet. It appears that the student loans are off of my report. No. 

In XX/XX/XXXX, she applied for a rental apartment, and that shows up as a inquiry on my report, and in XX/XX/XXXX, XXXX did an inquiry, and XXXX, an auto loan company gave her the loan for the car she purchased thru XXXX. These are now the most current companies on my report. 
My credit report has been damaged, and I have lost money because of these continual errors, and Experian has not fixed them. I am now in the process of SPENDING MORE MONEY and hiring a Consumer attorney for my monetary damages! 
I applied for a ReFi with XXXX XXXX on my house last year, and the day of closing, my sister 's student loans popped up thru Experian, but not XXXX  or XXXX, so I was denied the loan, and had to cancel my contractors who were doing a rehab on my basement, and I am further injured because my credit score drops 100 points every month, and then 2 weeks later it goes back up when they realize their mistake. But then every month at the end of the month, they put her credit info on my report, and then 2 weeks later, they take it off. This has been going on for over a year, making it impossible for me to continue to get a ReFi on my house. THIS IS MY LAST NOTIFICATION TO DOCUMENT ALL THE TIRELESS EFFORTS THAT I HAVE TRIED TO SETTLE THIS MATTER WITH EXPERIAN. NOW I AM GOING TO GET ALOT MORE THAN JUST MY ATTORNEYS FEES PAID. THEY HAVE INJURED MY FINANCES, MY CREDIT REPUTATION, AND HAS PREVENTED ME FROM NOT GETTING LOANS BECAUSE OF THEIR ERRORS. 
Complaints filed with CFPB re : Experian XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2023-02-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (MA)

My XXXX paycheck was fraudulently diverted to a chime account. I have been contacting them since XX/XX/XXXX and they are not giving me any info. I did not open the account. My paycheck of {$1400.00} is still missing. I called them numerous times. They will not let me know any transactions. On one phone call they told me the money was sent back and that did not happen. They will not tell me who opened the account. They will not give me any transactions or account info. The money is still missing and they are not being cooperative.
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (TX)

I requested a Debut validation and they received my written notice onXX/XX/2020 They never responded and still reporting negative account on my credit. I have no clue what it is. Can you verify and report my up date. They are clearly in violation of the fair debut collection act.
Consumer complaint received 2020-08-11
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. (NJ)

I received a car loan from XXXX XXXX XXXX and they have inaccurately reported many late payments on my account, as well as reporting other dates and payments wrong. My Experian report has a different closing month of the account along with an extra month of payment reported. My XXXX report has a different late of last payment then the other reports. Even though the date of the last payment was reported on XX/XX/2017, they still reported account 30 days late for that month. XXXX  reports a different date for last payment, but there isn't even a payment made for that month, the last month shows XXXX of 2017. Most importantly I have obtained a full payment history from the XXXX website and it Cleary shows how I made payments every month they are reporting me late. Even the date of my last payment from their website is different than the report on my payment history. 

The problem is most of what this company is reporting is false, and even the information they keep on my account is different in different places. After speaking with them and trying to understand the payment history and how it could be reported late they couldn't provide me with any information and just said " This is what we have on our file ''. My records, which I obtained from their own website, is different then the information they have. Doesn't even seem possible. And They are reporting false and different information to each credit bureau.
Consumer complaint received 2020-06-17
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible.
Consumer complaint received 2020-06-17
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. (TX)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. XXXX XXXX {$4800.00}
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I use to have a joint account thru XXXX  in Colorado back in 2017 and I closed at least my side of the account. I lost all contact with my ex partner and I didn't receive any notices from the bank. I never got any reports or notices that I can recall but I also thought that because I closed my account side I owed anything at all. The bank doesn't have my information and I don't have access to any accounts since 2017 but suddenly in my credit statements I've seen that the account I thought closed had pick up some kind of interest and it's been negatively impacting my credit ever since 2017 while it appears to me as no debt collection active and nothing owed both thru TransUnion or XXXX. If I would have been aware of all this behind the scenes I would have taken proper action but now the amount owed is high and all the work I've put into having a good credit score seems to be null.
Consumer complaint received 2023-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (OK)

Chime banking let someone fraud my account XX/XX/XXXX at XXXX XXXX  and XXXX XXXX  for XXXX twice for merchant XXXX, I have been unable to get to my money back nor a credit to my account i dont know what to do.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

To whom it may concern, My name is XXXX XXXX, I have a issue with Wells Fargo, in the morning at XXXX XXXX  my account was in good standard, and I had enough money in the account, when I Checked my account by XXXX they charge me Overdraft fee for {$35.00}, because my account was overdraft for {$7.00} I called Wells Fargo bank to make a dispute, they offered me a credit of {$8.00} and I am not agree with that, I asked them to waive the Overdraft fee. I need help to waive the late fee in my account. 
Best regards XXXX XXXX