davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

I received a letter back in late XX/XX/XXXX stating that I was late on my payment and incurred a late fee. I ignored it because I thought it was an error since my payments are never late. I received another letter about a month later and this time it showed that I incurred a late fee. I became concerned and contacted Wells Fargo where I spoke to a rep, who after reviewing my account, mentioned that one of my payments wasn't applied properly due to when it was received. at first I questioned why was that the case when I am used to paying the same time every month and it was never an issue and informed her that my payments are on a recurring schedule set from the very first payment. I was told that they will fix the issue and reverse the late fees. I thought the issue ended there, but only received yet another letter stating the same thing. I contacted them again and was told the same information as the first call and the rep said the issue would be fixed. Needless to say, I called a total of 4 times ( twice on XX/XX/XXXX, once on XX/XX/XXXX and once on XX/XX/XXXX ), after receiving two more letters and still the problem hasn't been fixed. As if this wasn't bad enough, they reported these erroneous late payments on my credit report, causing my score to tank significantly! I immediately called upon notice, but was unable to be helped because the " business dept '' was closed. I requested for someone to call me immediately on the next business day and have yet to receive a phone call. I am in the middle of a home purchase and this has changed the entire outcome of my situation and may even leave my family and I displaced, as we can not move forward with our purchase and have already given notice to our current landlord. My scores have dropped 44 points on XXXX, 38 points on XXXX and 26 points on XXXX due to their negligent handling of my account.
Consumer complaint received 2023-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (PA)

I was scammed by someone ( XXXX ) thru Google Pay for {$50.00}. I report to Google Pay. Google Pay didn't help and told me that after reviewing my claim, Google Pay was unable to confirm fraudulent activity in this case, so no refund will be provided by Google at this time. 

Google Pay transaction ID : XXXX
Consumer complaint received 2018-09-10
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: SYNCHRONY FINANCIAL (FL)

I just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. 
They did give me a file number : XXXX Inquires : XXXX XXXX XXXX   SYNCB XXXXXXXX XXXX ( 3 times repeated ) XXXX ( 2 times repeated )
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

had requested equifax to investigate a credit inquiry for XXXX dated XXXX/XXXX/2015. I was told in the response that I had to dispute directly to XXXX. I do not know of this company and have never requested them to run my credit. FCRA allows me the opportunity to validate claims made on my credit report. I simply asked for the copy of the signed credit application and identification used to validate the identity of the person requesting credit. If the Credit Reporting agency refuses to do this they are in violation of the FCRA. I did not request this company run my credit report. If they did what they are supposed to do then it would show that I did not request this inquiry. Inquiry shoul dbe investigated in accordance with the FCRA, once investigated it should be removed.
Consumer complaint received 2022-07-17
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. (MN)

The following accounts and credit inquiries currently listed on my XXXX, Experian, and XXXX XXXX credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXXXXXX XXXX, {$580.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2019-01-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Americas Car-Mart, Inc. (IA)

I first disputed this account with the 3 Credit Bureaus beginning XX/XX/XXXX-XX/XX/XXXX & after many attempts of disputing this account with the Bureaus only to get results stating that they verified this account & that the furnisher State the account was reported accurately I decided to move forward with my disputes with the company. So in XX/XX/XXXX I sent XXXX XXXX XXXX/CAR-MART a letter asking for documentation of paperwork that says I owed them a Debt for this account & in return they sent a letter stating that they were unable to verify this account & needed more information when in the letter attached I submitted what information was on my Credit Reports with the Bureaus. So during XX/XX/XXXX I sent XXXX XXXX XXXX/CAR-MART a Debt Validation Letter only to get a response stating that they dont provide general validation of account information or account statements so @ this point I decided to move forward with a complaint to enforce a Validation of this account reporting on my files with the Bureaus.
Consumer complaint received 2019-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Bank has refused to abide by Federal Reserve Regulations and National Clearinghouse Rules to obtain authorization in order to convert my payment checks to ACH. I filed a complaint with CFPB before, to which the bank responded by letter to me that it would not follow the regulations. I have paid all my credit card bills in whole but the bank has refused to deposit them and has instead reported me owing then, totaling over {$20000.00}, ruining my good credit. I am again filing a new complaint with the CFPB and, considering the bank 's written refusal to abide by the regulations, if the CFPB does not fine the bank at this second complaint when the bank again refuses to abide by the federal regulations I am going to appeal the CFPB decision to the Federal Courts of Appeal and name the CFPB as a defendant, and seek Injunctive Relief and damages. Previous CFPB No. XXXX.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2019-01-20
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. (IL)

I have wrote several letters regarding this last year, and to no avail, nothing was done about this. I have just received new credit reports, and I have decided to take the process a little further. I have also mailed a certified letter to the XXXX XXXX XXXX of Texas, in regards to this situation. My compalint is with Experian Credit Burea.I am disturbed that Experian continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is the credit bureaus policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed. Considering that this does not require an investigation, I would appreciate a response within 14 calendar days from receipt of this letter. Thankyou.
Consumer complaint received 2022-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC (IN)

XX/XX/XXXX I spoke to 2 " supervisors '' at Green Sky and asked for their help regarding not paying the ridiculous interest charges. I offered them {$10000.00} plus what I've already paid & to close the loan. The original loan was less than XXXX and I've already been making monthly payments of over {$350.00} since XX/XX/XXXX which is when the interest started. I was informed the amount if not paid in full would only have interest charges of a couple XXXX now they are including finance charges on top of the interest. I've been in hardship since XX/XX/XXXX when I was hospitalized with XXXX
Consumer complaint received 2020-09-15
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$20.00}, {$1600.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20.00} -This is not my account. 

3. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- XXXX ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2019-01-20
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. (GA)

Experian was contacted over 30 days ago regarding items that were not verified correctly as mine.Experian is the only company that is not investigating this item. It is violation of FDCPA, FCRA and I have no knowledge or ownership of this item. Expeiran has  shown no indication that they've investigated as well. Also, there was an account reinserted/added without my knowledge
Consumer complaint received 2019-01-20
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: EQUIFAX, INC. (TX)

Equifax 's failure to produce any legal evidence or verification for the alleged debts, and is now currently reporting an incorrect demonstration of an inaccurate, unsubstantiated alleged list of creditors as the " result ''. 

Equifax & its actors willful behavior of discharging its duties to correct itself and the record after prior attempts were properly made.
Consumer complaint received 2018-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

On XX/XX/18 I was charged an Overdraft fee of {$35.00} because I did not have the funds in my account to cover a check. That is fine, that was my error. 

On XX/XX/18 I deposited {$120.00} & {$100.00}. One check covered my overdraft from XXXX and the other was additional funds for my account. An auto-deduction of {$64.00} hit my account on this same day ( XX/XX/18 ) and my bank charged me another {$35.00} OD fee which should not be charged since the funds I deposited hit my account the same day. 

This seems to be a constant problem with Citizens Bank. This is my 3rd complaint against Citizens Bank for doing this exact same thing. I could see if my deposit had not cleared my account but it had cleared my account the same day and was available for withdraw. 

I have written to Citizens Bank about this and get the same response, nothing. I refuse to call them again and get into a discussion with them over this because they will justify it by saying the withdraw hit before the deposit. This is not true if they both hit the account on the same day. 

Would you please contact them and have the {$35.00} returned to my account. Thank you! 


XXXX XXXX XXXX
Consumer complaint received 2018-09-10
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

Im extremely mad with XXXX because they are not following the law, I have four accounts ( that are reporting to the other two credit bureaus ( XXXX XXXX  ), ( USAA Saving Bank ), ( XXXX XXXX ) and a other ( USAA Saving Bank ), Are these for accounts are reporting tool or three credit Bureaus as per each creditor.XXXX XXXX, XXXX  are reporting these accounts but XXXX fails to report these accounts. I called XXXX multiple times letting them know about the issue also letting them know that they arent reporting anything since XX/XX/2018 they are  noncompliant to the law
Consumer complaint received 2020-09-15
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp. (NV)

Didn't understand answer they gave me on first complaint number XXXX which was closed. Saying couldn't comment because it was in litigation. 
I forget to mention on the summons there was not an account number. 
I was told they had to give an account number. Do I have any legal rights since there Was no account number the summons?
Consumer complaint received 2019-11-18
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: Experian Information Solutions Inc. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-05-31
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: SYNCHRONY FINANCIAL (MA)

There are a few inquiries that were placed on my credit report on Different dates by Synchrony bank from SYNCB/PPEXTR that has an inquiry date of XX/XX/XXXX and SYNCB/QVC that has an inquiry date of XX/XX/XXXX and another inquiry from SYNCB/TJX DC that has an inquiry date of XX/XX/XXXX and another one from SYNCB/DKS that has an inquiry date of XX/XX/XXXX and another one from SYNCB/AMAZON that has an inquiry date of XX/XX/XXXX. I sent the credit bureau ( XXXX ) a dispute letter asking them to verify the inquiries because I did not authorize the company or anyone to submit any application and if synchrony bank claims that I agreed for them to pull my credit then I want to see the original documentation with my signature for every single one of these inquiries, because the FCRA states the company needs to have permissible purpose. All that the credit bureau sent me was a copy of the credit report that says that synchrony bank verified or validated these inquiries when in fact I never authorize the bank to submit any applications for credit. What I received from the credit bureau is not enough to validate these inquiries. I received the copy of the credit report on XX/XX/XXXX, these applications was submitted fraudulently.
Consumer complaint received 2019-01-20
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. (NV)

I RECEIVED A EMAIL AROUND THE XX/XX/XXXX ADVISING ME OF A BREECH WITH EQUIFAX THAT CONSUMERS INFORMATION FROM EQUIFAX HA BEEN COMPROMISED THRU A 3RD PARTY. I DONT CHECK MY CREDIT OFTEN BUT I DECIDED TO AROUND XX/XX/XXXX AND ALL THE INQUIRIES I DINT RECOGNIZED I SENT CERTIFIED LETTERS TO ALL COMPANIES ASKING TO REMOVE I DIDNT AUTHORIZED THESE INQUIRIES. SOMEONE RECENTLY HACKED MY BANK ACCOUNT WITH XXXX AND GOT INTO MY BANK ACCOUNT AND ALSO THEY BEEN TRYING TO GET LOANS WITH MY BANK. THESE INQUIRIES WERE NOT REQUESTED BY ME AND I WANT THESE REMOVE FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXXL -- -XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX===========XX/XX/XXXX XXXXXX/XX/XXXX, XX/XX/XXXX/, XX/XX/2019
Consumer complaint received 2023-08-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I initially have {$1500.00} in my account with Bank of America to avoid monthly maintenance fee. The bank however charge me {$12.00} to get the account below the {$1500.00} threshold and then continue on for the next two months to keep charging me {$12.00} per month because the account was below {$15.00} minimum for the account maintenance fee and they refuse to refund. I think this is a very predatory practice. Please fine them.
Consumer complaint received 2019-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX has posted a collection against my credit reports where the credit card was originally with XXXX XXXXXXXX XXXX. This account was a charge of well over 7-years ago. Yet XXXX XXXX XXXX obtained the information pertaining to this account from a debt pooling subsidiary. The collection should never have been reported on any of my credit bureaus, and the original account is not even posted on my credit reports due to the 7-year rule application of the Fair Credit Reporting Act. XXXX XXXX XXXX in in direct violation of their subscriber agreement with the credit reporting agencies, and should be sanctioned for these aggressive and illegal collection practices. The account must be deleted permanently and the account information purged immediately.
Consumer complaint received 2019-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX,