davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

I opened a suntrust account XX/XX/XXXX online once approved I made a deposit with my tax return check of around {$340.00} I waited a week before making any more deposit just to see if it was going to closed. Upon receiving a card, check books etc I put the rest of my money in there via in person {$9900.00} CASH assuming it was safe 2 days later my account locked. I wasnt aware my account locked until I tried to pay my bill and it denied me, thats when I called suntrust and a representative informed me my account was closed and I will receive a check in a mail. A week went by and I havent received an update or my check so I called again and now my account is FROZEN and there is no time frame they can give me and tell me why its under investigation. A representative tells me I wont receive a letter or any information until the investigation is done while another representative tell me one has been sent 2 weeks ago but I havent received it. Its been almost a month I cant pay bills, buy my daughter food, wipes or papers. My phone is off, I cant pay my rent or any bills for my basic needs I have nothing and they keep telling me they cant give me information
Consumer complaint received 2021-06-28
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. (NY)

I have an inquiry on my credit report : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX-XXXX Please call as you will find I never applied for credit at this company nor did they request a copy of my credit report.
Consumer complaint received 2021-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc. (FL)

back in 2017 I took out a loan with Moneylion. They require you to sign up for a membership to get better interest rates. I paid the payment for the loan and an additional {$70.00} a month which comes out {$39.00} twice a month. The fee has been withdrawn 23 times while other times it was not. The fee was supposed provide an investment account. I called month back ask about how to get funds out of my investment account and found out NO INVESTMENT ACCOUNT. I called and a ticket was opened. A week later I called and it was escalated with no ETA on a fix. I reached out to multiple people in Leadership positions at Moneylion on XXXX. I received a call from XXXX XXXX XXXX XXXX when I returned the call it went to voicemail and will not allow you to leave multiple. This was false and misleading and to not have the ability to cancel or stop the ACH debit for the membership this is my last ditch effort to get this resolved.
Consumer complaint received 2021-06-28
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)

Noticed on my credit report a student loan for XXXX XXXX This is not mine. This was opened fraudulently using my personal info. 

I was notified by earlier this year that all of my personal info was stolen and is actively being used. This was the result of a data breach by the insurance XXXX XXXX XXXX.
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (CA)

I noticed my credit went down significantly, so when I checked my credit, I noticed there was fraud. Someone used my name, spelled incorrectly " XXXX XXXX '' to open an account under XXXX  & now Southwest Credit is trying to collect $ XXXX from me for months worth of XXXX bills. The collection was opened XXXX XXXX 2021. The account # : XXXX
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXX Filed : XX/XX/XXXX Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XX/XX/XXXX CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my Trans Union/XXXX/XXXX credit report immediately. See Attached document as documentation
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXXXX/XX/2022.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (OH)

On XX/XX/2021 I paid off my entire account balance with Lane Bryant Comeninty Bank. The billing cycle for the month ends on XX/XX/XXXX. I was charged interest on a zero balance account. Then on XXXX XXXX I was sent a letter stating they were reducing my account balance to {$400.00} from {$1000.00} claiming that my credit scores had dropped significantly. However, I know this to be a lie as I paid off {$6500.00} in credit card debt in XXXX and my credit scores, across all three bureaus, increased higher than when I was first granted credit with Comeninty and higher than when Comeninty raised by credit limit from {$300.00} to {$1000.00}. 

This is not the first time that Comeninty has penalized me for paying off my balance. The same thing happened when they used to have the XXXX credit card. Please do something about this practice. Consumers are supposed to pay off their debts yet when we do, we are being punished by being lied to and charged interest on XXXX balance accounts.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma (GA)

On a number of occasions credit karma pre-approved me for a loan / card and ran my credit through dropping my score when each time there was never any approved loan or any intent to lending any credit behind their deceiving action the only thing I received from them was a drop in my credit score each time their false approvals is very misleading and plan out unfair this shld be acknowledged and and corrected thanks for your time XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-28
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. (TX)

Dear Sir/Madam : RE : XXXX XXXX XXXX i/n/o XXXX XXXX ; XXXX XXXX ; card # XXXX. 
At sometime in XXXX of this year the referenced credit card company closed my account for non-payment, which was partially due to my negligence and isnt relative. What is though is that XXXX placed the account for collection as # XXXX at {$1000.00} in my name. As per the collection concern LVNV LLP ( XXXX ), I owe {$400.00} and change, which I am willing to pay. Please assist me in changing this. 
My contact information is on my resume, and my email address is XXXX. 

Eagerly Awaiting Your XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

LVNV FUNDING, LLC LOCATED AT : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, SC XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$1200.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (AR)

card payment was due on the XXXX got a e-mail telling me that my payment was due on the XXXX was not given time too make payment they were asking for {$25.00} i paid {$150.00}.
Consumer complaint received 2021-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The bureau have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2021-06-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PROSPERITY BANCSHARES, INC. (TX)

Prosperity discriminated against poor and XXXX people by charging excessive fees. If an error occurs, they refuse to refund the fees and shame customers for being poor. I had XXXX dollars that went missing. The merchant said they didnt have it because I didnt authorize the payment and it was returned to the bank. The bank says Im lying and they never received it. I complained about the missing {$170.00} and any fees they attached to the missing moneys, and as punishment, theyve locked my account and I cant even access my ssdi check to pay my bills AND theyre charging excessive fees again. Im terrified to go into my banking center because I know theyre going to steal more money, if they even let me have the money that is sitting in my account.
Consumer complaint received 2021-06-28
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

First of all this account was paid in full after it was closed 4 years ago. They told me they could garnish my government funds or my employers bonus. After they said that, I paid them. Now theyre saying it was never paid. But Im trying to understand how do I even owe almost {$700.00} when I only had a {$200.00} pre-paid credit card account with only a {$200.00} limit that was never raised.
Consumer complaint received 2021-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MO)

Amazon store credit card was open back in XXXX  and purchase were made. Synchrony Has failed to send me any statement are correspondence regarding the account I have reached out to them to them regarding not getting any information and was advise they will resend my statement and the Amazon store card information still have not received anything now account is in collection and having adverse effect on my credit report I have made a payment to the collection agency but I feel it is unfair to have account in collection and on my credit report
Consumer complaint received 2022-10-26
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. (VA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-12-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation (MD)

I pulled up my credit report and notice a collection debt from Deville Asset Management for $XXXX being reported. I have disputed this with credit bureau but no information has been provided about the account to me. I sent a certified letter to Deville Asset Management and still no response or information about this account. I haven’t received any information nor have I signed any contract with this company. I am unaware of the company. They are destroying my credit with this collection account on my credit report. This needs to be removed off my credit report because I have never done business with this company.
Consumer complaint received 2021-06-27
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. (AL)

From XXXX XXXX XXXX of 2021, I filed a dispute with Experian, XXXX and XXXX about the unverified and inaccurately reported collection account : XXXX XXXX XXXX Account number XXXX that was reporting a different date of last activities and different high balances being reported. According to FCRA any inaccurate and unverified item must be removed from a consumer 's credit profile. In these few months, I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in several months. I am attaching a copy of my report to show the inaccuracies I am complaining about.. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this inaccurate account as of today. Thank you
Consumer complaint received 2022-10-26
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. (NJ)

Below is the investigation i send you last week... you send me a letter saying that you closed the account because you feel i did not place the complaint..yesss it is me... XXXX XXXX ... .how do you just assume that it is not me? re open the investigation on these 3 complaint id 's... 

XXXX XXXX XXXX i have attached 2 documents for proof on the below i was divorced from XXXX XXXX since XXXX of XXXX  and the judge as part of the divorce agreements ordered me to be removed from her student loan debt to XXXX XXXX XXXX  account I contacted all 3 bureaus and send them the same copy of proof that i have attached here .... They've all send a letter back stating that the account will not not be removed..this is unlawful as this was ordered by a judge... .please help have the bureaus remove this account from my report
Consumer complaint received 2022-10-26
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: Atlanticus Services Corporation (GA)

Under the FCRA 15 USC 1681 section 602, my rights to privacy have been violated by XXXX XXXX, Atlanticus, Fortiva, by putting late payments on my credit report due to improper use of my credit report.under 15 USC 166B section 2. I have written to all credit bureaus to show I did not consent to several companies pulling credit checks which is fraud such as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX which were all done on XXXX XXXX. I had a deal with XXXX XXXX with no money down already approved
Consumer complaint received 2023-03-15
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. (MO)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MO XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  XXXX Account Number XXXX XXXX Please remove it from my credit report. 
10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-06-28
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: AMERICAN EXPRESS COMPANY (NJ)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-28
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 — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

At Wells Fargo Bank, Phone Support. it is Completely waist of Time. Most of the Time, Un-resolve Issues. ON my Credit Report Wells Fargo Account PPL XXXX it's Not My Account. Also it Show XXXX Late Payment. That is Also Wrong. I do have Smeller Credit Line Account XXXX Never been LATE. 
I have tried, BANK as well XXXX to Fix this Problem. And Un-fortunately BANK, and XXXX refuse to Fix it. 
And, I am on there Mercy. At the Moment I have applied for New HOME LOAN With the HELP of Current Admiration. Financially Helping American 's Families Back to TRACK.

I like to Request. CFPB Please Expedite my CASE So I don't Lose opportunity getting Batter. FINANCING
Consumer complaint received 2023-03-15
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. (MD)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-28
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: AMERICAN EXPRESS COMPANY (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.