davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Synovus Bank (NJ)

I am having a serious issue with a credit company falsely reporting me as late for month 's of XXXX, XXXX, and XXXX. 
The card, mentioned above, was closed in XXXX. I made a large payment in, early, XXXX to settle the amount left on the account. My account was closed and payed off. Someone from the company charged my " closed '' account 10 dollars, without my knowledge or consent ; because, I spoke to a representative instead of charging my bank account. I had no knowledge of this! So, they then charged me membership fee 's on a closed account! For the month of XXXX and XXXX, and also charged me late fee 's and reported this to my credit report. This account was closed and I had NO knowledge of this. They have done nothing but give me a hard time! Refused to give me a simple letter for my credit repair person and remove this false negative report. Not to mention I spoke to them five times and gave them an additional payment in the month of XXXX for falsely charging my CLOSED account for Two plus months! And they still reported me as late and delinquent for XXXX. I have been working with a credit repair agency an this is prolonging everything! They have not helped me. They lied and said they would wave fee 's and fix the false balance on an already closed account that should of had a zero balance. They did not remove or fix anything! Instead they keep reporting this, and I need help. A letter for my credit repair man and to have this removed ASAP! I also would like to report them as unprofessional and for fraud!
Consumer complaint received 2020-08-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

On XXXX XXXX Caine and Weiner received a debt verification letter from me to verify the debt they are reporting and they could not provide it. all they sent me is a bill from them saying I owe them XXXX According to the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), they are required by Federal Law to verify through the physical verification of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. 
And I hereby demand to see a copy of the validated Proof ... They have til XXXX XXXX to verify the debt or it should be removed from all credit reporting agencies
Consumer complaint received 2023-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has consistently charged overdraft fees on items that they pay when there is insufficient funds in the account to cover the item that was submitted. I have repeatedly asked Wells Fargo to stop paying items when there isnt sufficient funds to cover the item. This time Wells Fargo paid 6 items that were presented as automatic payments, overdrew the account and then charged me {$35.00} overdraft fees 6 times. If this isnt abusive practices I dont know what is. These overdrafts occurred on XX/XX/XXXX through XX/XX/.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (NJ)

I would like to file a complaint against American Express. On XX/XX/XXXX I made a purchase of {$500.00} and immediately after that I  received an email stating that my credit limit had been lowered to {$51000.00}. My credit limit before the decrease was {$10000.00}. At the time I only owed them about {$3000.00}. I immediately called american express to find out why this was done and I was not satisfied with their answer. They tried to tell me it was based on my credit report from XX/XX/XXXX, but this was not true because they sent me an email right after I made this purchase. When I spoke to the customer service representative, he told me if I made a payment of {$1100.00} in the next few days then my credit limit would be restored. I sent them the {$1100.00} and my credit limit was restored to {$10000.00} in a few days. I should not have been forced to make an additional payment in order for my credit limit to be restored. I had just made payment to them. This same situation happened to me with another american express card that I had. In XX/XX/XXXX, I made a charge of {$10000.00}. On this card I had a credit limit of {$17000.00}. Then in XX/XX/XXXX when I got my statement they lowered my limit to {$12000.00}. They had sent me an email stating that they would. I always pay my bills on time and never have been late or gone over my credit limit, but without any warning AMEX just lowered my credit limit. I have had credit cards for over 30 years and this has never happen to me with any other credit card company. Is this a normal practice for credit card company to do this? When a company lowers your credit limit this affect your credit score because it raises your utilization rate of your credit cards. I am in the process and paying off both of these cards and closing out these accounts. I also have another card with american express. Which is the gold card. I will be closing this one out also. I will not do business with a company that treats their customers unfair. On the gold card I pay an annul fee on the other two I do not,  but I know every time I use my cards american express gets paid because the merchants pay a fee. I just wanted to make the CFPB aware of this unfair practice and see if there is anything legally you can do to stop this unfair practice.
Consumer complaint received 2020-08-03
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)

The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. I have never done business with this company. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX {$220.00}
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (IA)

i was told by us bank credit card that i was under covid 19 with them. i was under the understanding of covid protected your credit score with no negative report and payment was differed or ok not to be paid. well come to find out that all their covid was to prevent late fees. the lady I've been dealing with for at least three months said she has no idea how us bank is reporting account to credit bureu. never was there anything mentioned about this being reported as a missed payment now that I've found out what they have done it has destroyed my credit. this is wrong and misleading info that they give on the phone. this is no help and these people that work their lie about they know nothing about how these covid cases are handled and reported to the bereu
Consumer complaint received 2022-03-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2022 30 DAY DEMAND XX/XX/2022
Consumer complaint received 2020-08-03
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. (OH)

The below accounts do not belong to me please remove them from all three credit reporting agency 's. They are stopping me from providing for my family and stopping me from buying a home. I have never done business with this company. 

XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$67.00} XXXX XXXX XXXX   {$220.00}
Consumer complaint received 2020-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (WI)

Received a collection letter from American Coradius International LLC today attempting to collect {$4000.00} from a XXXX XXXX   account that I have no idea existed, and certainly was not opened by me ( 2015 ) without my knowledge or consent. Not the first time I have had to dispute fraudulant accounts with XXXX or especially XXXX XXXX. Both should be held criminally responsible. This account has not shown up on any recent credit score reports. I have contracted with a credit score repair firm XXXX XXXX XXXX over the past few months and this account whether delinquent or active has never appeared on my report. I would like to charge XXXX XXXX with criminal negligance for allowing this account ( again ) to be opened without my knowledge or consent and thus negativley affecting my credit score. 

XXXX XXXX XXXX
Consumer complaint received 2020-08-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have been attempting to dispute unverified accounts on all 3 of my Credit during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX, XXXX and XXXX  on dates XXXX XXXX and XX/XX/2020. To XXXX XXXX XXXX, XXXX XXXX known as XXXX and Portfolio Recovery. And the only responses I have received from the Debt Buyers as well as the Credit Bureaus was them verifying the accounts belonged to me without any documents indicating I am who the accounts belongs to. They have been unable to provide me with an original contract ( s )  bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from these Companies it has been brought to my attention these debts has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by these Debt Collectors and Or Collection Agencies regarding these accounts. I have submitted this complaint in attempt to have these debts removed from all 3 credit  bureaus.
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

Equifax trying to say they can not remove an inquiry from XXXX XXXX XXXX unless I file an FTC XXXX Then when I do and provided the reference no it was not enough. They wanted the actual report. I did that. I sent monthly letters including my drivers licence, lease, and utility bill each time certified, and proof of mailing XXXX, XXXX, XXXX, XXXX, XXXX. They I file complaints with CFPB and they need additional time to identify me claiming they have no record and request additional information for the 6th time. 
Then I receive a postcard they can't identify me. I call Equifax twice they question me with security questions, require a process each time a security link of my pictures is back, front, and live photo of me. Then out me through and claim they have to have it by mail. 

This is crazy ugly over 1 inquiry that I have a letter from XXXX XXXX  that it is unauthorized.
Consumer complaint received 2022-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

On XX/XX/2022, I sent a certified letter to Bull City Financial Solutions. The letter was a standard debt verification letter. I received a response via mail dated for XX/XX/2022. The response was a print out of a supposed bill/procedures. Attached in the letter was assuming doctor visits and lab procedures that were performed. This documentation is in violation of my HIPPA law. I did not authorize them to have any documentation of any of my medical history or anything relating to anything I may have done at my doctors office. They could not verify that this debt belongs to me.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

SOMEONE STOLE MY IDENTITY AND OPENED A FRAUDULENT ACCOUNT AT MACY 'S. I HAVE SENT NUMEROUS TIMES MY IDENTITY THEFT REPORT TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I BELIEVE I MA BEING DISCRIMINATED SINCE I AM AN XXXX   WOMAN, THATS WHY THEY REFUSE TO REMOVE THE FRAUDULENT ACCOUNT. THANK YOU
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credence Resource Management, LLC (NC)

This is identify theft. I do not have an XXXX or Credence Resource Management that we subscribe to, this is not a valid account that we authorized - we only have one cell account other that we use for our business account for cell services and that is all, this account is not authorized by me or my company. 

This is identity theft I did not order these services and we do not use XXXX for any services other than our company account this is not a company account.
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NJ)

I have had a Collateral Holding Account ( CHA ) secured credit card with Citi Bank since XX/XX/XXXX with a balance of {$300.00} that I contributed myself. XXXX XX/XX/XXXX, my card gets renewed for another year and the account can not be converted to an unsecured card after that date. Annually in XXXX, I receive a letter from Citi telling me whether or not my card can be switched to an unsecured and thus far, it has sill required a Collateral Holding Account. The letter provides no insight as to why I do not qualify for an unsecured card or what criteria is reviewed. 

This year, I received the letter in the mail on XX/XX/XXXX dated for XX/XX/XXXX with again no explanation as to why I was denied an unsecured card. I called Citi Bank on XX/XX/XXXX and spoke to XXXX ( ID # XXXX ) who told me that a denial reason should have been included on the first letter and because it was not included, a new letter was sent out with a denial reason and I should receive it within 7-10 business days. 

On XX/XX/XXXX, I called Citi Bank again because I did not receive the letter that XXXX told me was sent out. I spoke too a woman on the phone, whose name and ID # i did not get, who told me no such letter exists so it was never sent out. She informed me that it was Citi Banks " internal policy '' to not inform customers of the denial reasons nor the criteria of which the decision is based. I asked to be transferred to someone who reviews the account and makes the determination as to whether or not a CHA is converted into a unsecured credit account. I was transferred to XXXX ( ID # XXXX ) of Account Services who informed me that there is no department who makes that decision and no one reviewed my account. I informed him that I have a credit score in the 700s with all 3 credit bureaus, I have a six figure salary, and have made all my credit payments on time and did not understand the reason for the denial. XXXX again said that he had no one he could transfer me to regarding why I was denied or how I can improve to be approved next year. He gave me a generic email address to write to. Closing this line of credit will adversely affect my credit score but I am more than disappointed with the customer service and Citi Bank as a whole. They are holding me hostage with this card.
Consumer complaint received 2020-04-07
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 was trying to purchase my first home and I decided to go through a first-time homeowner 's program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX  XXXX {$220.00} XXXX  XXXX {$1400.00} XXXX XXXX {$140.00} XXXX XXXX XXXX {$570.00}
Consumer complaint received 2020-08-04
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. (NY)

I am reaching out to you in regards to an issue with account # XXXX. It is of great concern to me and I havent been able to get it resolved with customer service. 

There is a late payment showing up on the account for the month of XX/XX/2020. 

I am the kind who pays bills promptly and timely. In all my years of credit history, XXXX included, Ive had all payments paid on time and in an orderly fashion. 
As I am a busy man, I hired a bookkeeper many years ago. She has been taking care of all my bills, payments and so on and so forth. 

I was very surprised to see this late payment show up on my report. My bookkeeper claims she hasnt received a statement for that payment and was still setting up the payment plan as this is a new lease, and therefore didnt know of a payment due. 

It really upset me. This is my account yet I heavily relied on her making the payments, as shes been doing for years. Please understand the situation here as this was way out of my control. The bookkeeper is at fault here and she claims she knew nothing of the payment due. I cant do anything else at this point, other than reach out to you. 

I will be extra cautious in the future to make sure something of the like doesnt happen again. 

My credit report is otherwise clean. This late stands out and is affecting my credit negatively. I am trying to get a mortgage loan right now and it is impossible to do so with this mark on my report. It must be deleted. 

I turn to you to please remove the late from my account. 
Thank you, XXXX
Consumer complaint received 2020-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NC)

This debt is reporting with a third party collector called, Diversified Consultants. I called this agency many times within the last two months, but no answer. I think they are out of business. Then I called XXXX  ( aka XXXX XXXX ) and they too are not answering calls. Both phone numbers I have for them of XXXX and XXXX aren't working. No one answers. This debt is not mine of {$210.00}. I have an active account with XXXX   where I pay monthly, and I don't have any past due balances with them. I am asking that you remove this debt completely from my credit reports.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am having trouble getting the credit bureau 's to remove the fraud alert from my credit report. I am recently new home owner and need this information to be removed ASAP. This fraud alert is preventing me from doing things I need to do for myself and my family. It is embarrassing and each time I try to use my own credit I'm getting denied but still getting points deducted from my credit score. I thought this would protect my credit but is hurting it instead.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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.has violated my rights. 

Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # XXXX XXXX account XXXX : # XXXX Account name : # XXXX XXXX account number : # XXXX Account name : # XXXX  account number : # XXXX Account name : # XXXX account number : # XXXX Account name : # Original Creditor account number : # XXXX Account name : # Original Creditor account number : # XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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.