davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MS)

I live in XXXX working at the XXXX XXXX and am an XXXX XXXX stationed at XXXX. While on XXXX XXXX in XXXX, my debit card was continually frozen due to " fraud alerts. '' I had to call each time to get the alert lifted. My wife used her card in XXXX and it was declined. I called USAA and they requested identify verification from my wife. I told them that she did not have time to talk with them due to being busy with the kids and asked them why she needed verification. They would not provide a clear answer and I ended the call. One important thing to note was that I was able to verify my account with my debit during this call or the next. I called numerous times later that same evening the customer service agents couldn't help me. One even said that she couldn't transfer me to a supervisor and that I would have to hang up and call again and ask for a supervisor. When I reached a supervisor, she looked into the case and I overheard her say to herself, " they even suspended his card. '' At that point it went to hold music and someone else eventually picked up the phone and then I repeated everything that happened and informed her that I submitted verification for both me and my wife along with a copy of my orders showing my XXXX address and the fact that I'm assigned in XXXX in the XXXX  She said that she couldn't do anything more until my wife could talk to them. I again reiterated that I submitted all of our documents needed for verification. An important thing to note is that when I was asked to verify my card number to authenticate during this call, the representative said my debit card number ( that I used successfully earlier ) was not the one they had on file. I called again later and another agent confirmed that they suspended my card as well even though the initial concerns were due to a transaction my wife made trying to purchase waffle cones at a park for our kids ( I knew the transaction since my wife told me earlier the transaction that was declined ). So now neither my wife 's or my card work and USAA says it takes two to three business days to verify the documents I sent them. This is beyond unacceptable.
Consumer complaint received 2023-01-18
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. (IL)

XXXX XXXXXXXX XXXX secured credit card balance shows XXXX but was paid in full on XX/XX/2023 XXXXXXXX XXXX XXXXXXXX show a XXXX balance but settled the collection account on XX/XX/2023 XXXXXXXX XXXX no longer has the loan was taken over by another company and also does not have the correct amount
Consumer complaint received 2020-01-17
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. (CT)

Unfortunately I believe I have been a victim of identity fraud. My information must have been compromised during the Equifax hack or elsewhere because I have accounts showing on my credit report that have no connection to me nor did I ever do business with. Please help me get this issue resolved and get my credit report back to normal before these accounts showed up. They are a credit center company and its reporting 3 times which is super suspicious and also a receivables outsourcing looks like another collection company also and a eastern account system which is also reporting twice. I would appreciate your professional help in this matter. Thank you.
Consumer complaint received 2022-02-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (MS)

On XX/XX/22, I received a letter from Target dated XX/XX/22 that an application for a credit card from their store was denied- I did not apply for a Target credit card. I called the number listed on the letter ( XXXX ) and gave them the application ID on the letter ( XXXX ). Their representative looked up the application and someone applied for a Target credit card online on XX/XX/22 using my name and address but using a different phone number, driver 's license, and email. The email address they used was XXXX, the last XXXX digits of their phone number listed was XXXX, and the last XXXX digits of their driver 's license listed was XXXX. None of that is my information except they used my actual name and address. Target said they will put a fraud alert on this application and suggested I visit the identifytheft.gov website and follow the steps.
Consumer complaint received 2023-01-17
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. (FL)

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.
Consumer complaint received 2020-01-17
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. (TN)

I have previously reported these accounts as inaccurate and they were remove. Now they are reporting as closed negative accounts on my credit please help me resolve this issue for a final time. The following accounts need to be BLOCKED AND DELETED from my credit file please. 

XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$480.00}
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (FL)

XXXX XX/XX/XXXX I signed a XXXX XXXX  ( XXXX ) with XXXXXXXX XXXX XXXX for {$3500.00} and XXXX opened a Credit Card on my behalf with XXXX Bank to make the payment. 
- I cancelled the contract on XX/XX/XXXX sending a mail to Account XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada, XXXX as indicated in the contract XXXX. XXXX was received. 
-On XX/XX/XXXX I got a letter in the mail from XXXX were I was informed they had completed my request to rescind the contract XXXX and that any payment was refunded in the same manner it was paid. 
XXXX contacted XXXX Bank XXXX inform about this but due to the time of the letter ( XX/XX/XXXX ) I still made the first payment on XX/XX/XXXX. 
-In XX/XX/XXXX they opened a claim and put a freeze on my account. 
XXXX XXXX I mailed to Comenity Capital Bank XXXX XXXX XXXX XXXX, XXXX XXXX OH, XXXX the letter I sent to rescind the contract, the letter I received from XXXX the rescind the contract and copy of the contract so they could check that everything was done within the time.

- I also messaged them through Message Center and uploaded all documents sent via mail. 
-Comenity still have the balance of {$3400.00} open on the account and has not provided any updates on the investigation. 
XXXX XXXX says I owe a money XXXX says has already refunded in XXXX and that I have provided proof of it. 
XXXX got a letter in the mail in XX/XX/XXXX stating that a credit was not applied to my account for a canceled order and that they were not able to verify that the cancellation was made. They are asking me to send the confirmation I received. I have provided all documents stated above ( the letter I sent to rescind the contract, the letter I received from XXXX the rescind the contract and copy of the contract so they could check that everything was done within the time ). 
-Comenity is now charging the monthly balance for a contract that was canceled and like the investigation didn't go through.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO. (IL)

I closed my account in XX/XX/XXXX. After trying for a week and being told no after speaking with 12 representatives from chase credit card customer service. I was told once I closed the account I wouldn't be able to make any purchases on the account. My APR would remain the same and all I needed to do was make payments on the account. One month later the APR increased from XXXX to XXXX this is XXXX. XXXX I noticed another increase XXXX, XXXX another increase XXXX. I call the bank after the first two increases. I am told there haven't been any changes on your apr. I ask if the can reduce the rate. They tell me No. I ask why is the rate skyrocketing and I can't make purchases on this account and I make payments on time each month. They tell me I can speak to another person and put me on hold and the call is disconnected. I got through this about 5 times. In XXXX my APR increases again. No notification from the bank. This time my APR is XXXX .Next statement XX/XX/XXXX XXXX XXXX XXXX. No notification I beg to speak to someone in the department who can tell me about what is happening. The fluctuations in my rates are very concerning. I speak to three different people. No one can help me, numerous excuses and no explanation. Finally a man gets on the phone and tells me the federal government raised the APR. Sorry thats not my department. I will be happy to switch you over to someone. I wait to speak to whomever is assigned to me and I get hung up on.
Consumer complaint received 2018-03-06
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

In 2017 Wells Fargo Bank gave me overdraft fees back into my account at approximately XXXX after speaking to a account manager. The manager gave me the fees back and for some reason the funds didn't post immediately which they always did or either showed pending and no other fees would accrue. Well the fees cause a small transaction to cause another overdraft and I was charged fees until the account closed. The fees totaled XXXX XXXX and XXXX XXXX dollars. I attempted to resolve this with the bank numerous times which they refused to do. I am wanting the account resolved to a XXXX balance because It wasn't my fault that the item overdrafted.
Consumer complaint received 2022-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I've been disputing inaccuracies for a little over a yeah with XXXX. 
This is my final attempt to remedy this reoccurring issue with them. 
I've recently submitted a dispute with all my verifying docs, court paperwork, and police reports on all inaccurate information and fraudulent accounts. I sent this information last Friday XX/XX/2023 sent certified mail and they received it Monday XX/XX/2023 per my tracking. 
I need all inaccuracies and fraud accounts removed from my credit file immediately, even from their rent reporting bureau as those accounts have been paid. 

Per The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (ID)

On XX/XX/2023 in the morning I called customer support to get updated when a transfer I mistakenly made to Wells Fargo credit card will be returned or reversed in Wells Fargo speak. I was told it was being " reviewed ''. I asked to be transferred to whom ever was " reviewing '' my case. There I was told my case was being handled by, XXXX and she was in a meeting. I asked for a number to contact XXXX at if for some reason she didn't get the message. The number given me was, XXXX - XXXX - XXXX. When dialed, a recording states the number is a non working number. Seems that the ability and need to lie is ingrained in this company 's culture. 

Thank you CFPB for being there and doing what the name says, Protecting Consumers. 

XXXX
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As of Complaint # XXXX, have it been corrected at XXXX  and closed both at XXXX and XXXX  now both XXXX and Transunion decided to to lower my score 60+ points, because of the same complaint. 
My mistake was only adding one of the three credit reporting agencies.
Consumer complaint received 2023-12-02
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: Experian Information Solutions Inc. (CA)

After reviewing my Credit Report, I noticed several UNAUTHORIZED Hard Inquiries on the report as follows. Please DELETE the Hard Inquiries as soon as possible. 

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 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 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: World Omni Financial Corp. (FL)

I have been a with SETF/WOFC customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX, XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Consumer complaint received 2022-02-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TN)

Transworld Systems Inc is trying to collect XXXX from me claiming I was part of XXXX XXXX for University XXXX Louisiana at XXXX. 

Has me being apart of a fraternity for 4 years. But for XXXX years I didnt go to that university. 

I went to a community college so I couldnt be allowed to participate in the fraternity. 

Seems this is a failure on the college kids running the organization. 

I can provide documents showing when I went to immunity college
Consumer complaint received 2020-01-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

On SAT Eve- XX/XX/20 at about XXXX ; XXXX ; I MsXXXX XXXX entered into an Auto Loan finance   from CAPITAL ONE AUTO FINANCE through XXXX XXXX XXXX XXXX. Unfortunately later I discovered, and am dissatisfied that my Predatory term, along with Interest rate of 6.25 % for 75Mo.. I Donot feel considering my Good Credit Score, and discussion with dealership-I qualified for a much lower Interest rate of at least 3 %. 
I have had An auto loan through CAPITAL ONE AUTO FINANCE In XXXX, and successfully repaid my Auto Loan on time. 
In addition, On XXXX.Capital One Auto Fin. was contacted via phone, and I inquired about my Extremely High Interest rate ( 6.25 % ), And Term ( 75M0. ) and was Informed the rate dispensed for my Loan, '' was a result of the Amount of the Loan- {$38000.00}. 
I feel the response provided by " Capital One Auto Finance '' was Bias, and Unusual for me as a consumer to have their Good Credit Score disregarded for the amount.Unfortunately with this " Extemely High Interest Loan '', I certainly feel targeted, and preyed Upon for Excessive Financial Gain on behalf of the lending Institution, and this is illegal, and RedLining Business Practices.Prior to CAP.ONE Auto Fin.dispensing Percentage Rate, for me as a consumer being selected.I was Reviewed, and Unfortunately, targeted with Extremely High rate ( 6.25 % ), and lengthy term ( 75M0. ).
Consumer complaint received 2023-06-07
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (MN)

on about XXXX I noticed that there was a collection account on my credit report : Account Resolution Services ( ARS ) on my XXXX and XXXX credit report. I called XXXX and reported that this account was not my account and that I never conducted any business with ARS, and that ARS should be removed from my account. To my surprise XXXX removed ARS off of my credit report. 
XXXX I sent a Certified letter to XXXX and ARS at XXXX XXXX XXXX XXXX XXXX, XXXX Ohio XXXX asking ARS to validate that we had any contractual agreement, or that I did any business with ARS. I have yet to receive a response from Account Resolution Services. About a week later ARS was back on my credit report. 
I called XXXX and reported that ARS was back on my credit report, this time XXXX did not remove ARS off of my credit report and told me that they could not remove ARS as of before. 
I also sent certified letter to XXXX on XXXX Disputing Account Resolution Services. 
I called XXXX and requested that ARS be removed from my credit report and that ARS actions are having a negative impact to my financial livelihood.

Due to the erroneous actions of ARS I am unable to obtain loans and I am unable to refinance my property.
Consumer complaint received 2023-01-17
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC. (LA)

Ive signed a contract with XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. The financing is done through Exeter Finance LLC. Now Ive had problems with this car since a week after driving it off the lot on XX/XX/XXXX, where it states on my diagnostic through the vehicle that nothing is wrong but a check engine light came on that same day like it was hidden in the system. I also have proof that my odometer was rolled back by 45 miles prior to selling me the car. I also had a warranty added on that I was not notified about that was active for two years that wouldve helped but based on my research they are a scam company and do not pay out when it comes to replacement repairs. I have also been put into financial hardship further with this car because my car payment on contract is {$340.00} with interest rate of 28.99 % but with contract with XXXX  XXXX it says {$340.00} with interest rate of 27.99 % and was told that this was a relatively low number especially with a co-signer and a required down payment by the dealership. I am honestly upset by how to the untrained eye it can look like my contract is great but to those who are experienced in the vehicular industry have said Ive been basically sold a dream.