davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
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)

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I paid a little more than half of by credit card balance ( {$650.00} ) on my Sears Citi Bank Master Card, and on XX/XX/XXXX I pd the remaining balance of ( {$510.00} ) This reduced my balance to {$0.00}. Around XX/XX/XXXX I received a letter saying my credit card account had been closed by the company due to inactivity. I hadn't used my card in several weeks due to being quarantined because of the COVID-19 Pandemic. I attempted to speak with a customer service rep who was less than helpful and basically said there was nothing I could do about it. Around XX/XX/XXXX I was notified by XXXX  that my credit score had dropped 25 points due to the closing of this credit card account. Today, XX/XX/XXXX I spent over 2hrs on the phone either on hold or being passed back and forth between customer service at Sears and Citi Bank card recovery services. I explained what had been happening and I was just passed off again to someone else who said I had the wrong dept. and would transfer me back to the department I had just come from. This back and forth happened about 6 times with two of the conversations being so garbled on the other end I could not understand the person. After two hours of this I gave up.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (FL)

I have a Synchrony Lowes credit cards. I paid the account in full. There was an interest charge that was added to the account for approximately {$4.00} that became overdue. I never received a bill, statement, or phone call to let me know that this amount was past due. This resulted in Lowes reporting negative payment information on my credit report.
Consumer complaint received 2020-11-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (TX)

In. XX/XX/2019 my car was repo and should not have I provided to creditor that 2 payments had been deferred and that made me current only behind 10 days once they seen the mistakes and asked me to pay a percentage of fee of repo and I explained I was not at fault that they made mistakes cause they could not read notes on account To begin with it was a wrecked car and a flood. Damage vehicle and mildew I let dealer ship know they refused to help I notified bank they told me I would hear from the correct department they were also notified of the car lot only reported some of down payment not all and were altering documents to get loans pushed through once I was aware. I let it be known I did not pay my first payment cause I new it would default and they would have to close loan and refund me instead dealer ship paid it and I notified field bank that was in the notes and still nothing the car was fraudulent by XXXX XXXX XXXX and the sales man harassed me and it was brought forward so the marketing man over that area started changing notes on my accounts and I have proof
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (OR)

During the closing of escrow on my house, a payment of {$720.00} was sent to Shell Mastercard by XXXX XXXX XXXX XXXX XXXX. The check was sent on XX/XX/XXXX and documents show that it cleared on XX/XX/XXXX. The payment never posted to my account. 

I called XXXX on XX/XX/XXXX and spoke to a representative who told me I needed to file a case for a lost payment. I gave this person all of the information : check number, account number, routing number, date cleared, institution information, etc. They told me the case was filed and that I would get results within 30 days. 

I called XXXX on XX/XX/XXXX to follow up on this dispute. The representative told me that the first dispute I filed " failed '' and that the only way she can help me is just to file a case with her. I asked her why the first case " failed '' and why no one alerted me. She continued to repeat that the only way she could help was to file a case with her. I asked her how I would know that the case was actually being investigated given the fact that I was under the impression the investigation had been taking place over the course of over 30 days. I asked for her to escalate my case or to provide me a credit as they investigate given that they " failed '' and had lost my money in the first place. She said she was unable to do anything but file a case. 

I do not believe a case has been filed even still. These people have the money -- the check has cleared, I have photo documentation. I can get no one in Customer Service at Shell Mastercard to help me or investigate what is now money they have stolen from me.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (WI)

I was charged the annual fee ( {$170.00} ) on my Wells Fargo credit card last XX/XX/2019. I called and asked them what my options were for closing my account so I didn't have to pay the annual fee. They told me I could 'product change ' my credit card to the no-annual-fee version of the card. I agree and told them I would like to change it. 

They opened the no-annual-fee card, but now I noticed they did a 'balance transfer ' of the annual fee from the old card to this new card. I didn't realize this has happened and just logged into my account now to see the charge. I have also been getting charged interest on the fee since XX/XX/2019, so the charge it now up to {$190.00}. 

I asked them if they would remove the fee and all interest charges from my new card, since it is a no-annual-fee card, I am not sure why the prior fee got balanced transferred over to this new card. They refuse to help me.
Consumer complaint received 2024-03-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

I am a victim of identify theft in regards to a XXXX account opened fraudulently in my name. Now I have a creditor attempting to collect {$3100.00} or similar offers from me. The XXXX account was opened in XXXX XXXX ( I've never lived outside XXXX ) on XX/XX/XXXX. On XX/XX/XXXX the XXXX account became delinquent and by XX/XX/XXXX the account was ended. I disputed these charges with XXXX, XXXX, and XXXX and also the creditor " Jefferson Capital Systems , LLC '' here in XXXX, XXXX. These companies are looking into this dispute currently.
Consumer complaint received 2021-11-08
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. (NC)

I have sent several requests to investigate a few inaccurate accounts on my credit profile. I have also sent a Method of Verification ( see attachment ). It has now been 60+ days since I sent my disputes, but I have yet to receive a response. Nor have they adhered to my request by verifying and validating the information as accurate. I'm looking to purchase a home and these inaccurate records on my profile are stopping me from achieving my dreams.
Consumer complaint received 2020-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (DE)

This is account does not belong to me! I have never had account with this company nor have I ever done any type of business with this company. Additionally, this account was added to my credit in a negative manner while being in a pandemic which is VERY unfair, it already hard to make ends meet and placing a new derogatory mark on my credit certainly did not help at all. Because I am not responsible for this debt, This collection should be deleted from the 3 major credit bureaus as it is greatly affecting my credit.
Consumer complaint received 2024-06-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (VA)

I applied for the Bilt Rewards credit card from Wells Fargo on Friday morning, XX/XX/XXXX. I had previously received an e-mail about the card and decided to apply. I currently have a checking account, savings account, and credit card account with Wells Fargo. My 100 % veterans ' XXXX and XXXX XXXX  XXXX are direct-deposited into my Wells Fargo checking account. On my bank profile is my mobile phone number. 

That evening, I received a call from Wells Fargo requesting to verify my identity. I answered several questions. When the caller attempted to verify me via a text message, the system wouldn't let her do it. She told me to go into a branch. This seems like a silly request. A few months ago, when I did a product change on my existing credit card, there was no need to walk into a branch. Wells Fargo should fix the system limitation that is preventing the bank from texting me, instead of inconveniencing me.
Consumer complaint received 2021-11-08
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Granite Edvance Corporation (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and correct it from my personal credit file. Thank you. 

GRNTE XXXX XXXX XXXX Balance Owed : {$3600.00} ; GRNTE XXXX XXXX XXXX Balance Owed : {$6600.00} ; GRNTE XXXX XXXX XXXX Balance Owed : {$3800.00} ; GRNTE XXXX XXXX XXXX Balance Owed : {$5200.00} ;
Consumer complaint received 2018-12-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

XXXX Account Number XXXX. This is not my account as I have never had an account with XXXX and I have informed all parties reporting this.
Consumer complaint received 2018-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I received a settlement offer from a collection company in behalf of Kohls and I accepted and paid the debt. The collection company is claiming they cant see that I made the payment I will attached the settlement offer and the receipt showing the acct has been satisfied.
Consumer complaint received 2024-03-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I PRESUME THAT NO PROOF OF THE ALLEDGED DEBT, NOR THEREFORE EXISTS PUSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 1681-4.
Consumer complaint received 2022-02-17
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. (MI)

Hi I am submitting this XXXX XXXX without 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 XXXX 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 XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2018-05-02
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)

I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that an auto lease account that was opened by my spouse, under her name only, on XX/XX/XXXX is being reported on my credit report. The account that is fraudulently being reported under my name is the auto loan/lease from XXXX XXXX XXXX. This account belongs to my spouse, XXXX XXXX. I did not co-sign this auto lease. I was simply used as a reference by my spouse. It is NOT a joint account. XXXX XXXX XXXX is fraudulently reporting this account under my name. According to my spouse, XXXX XXXX ( XXXX ), the auto lease is incorrectly being reported as a joint account and should be reported as my spouse being the only individual responsible for this account. Please immediately remove it from my credit report/file. Thank you. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 XXXX has me at a score around XXXX. That is a huge difference. transunion 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 transunion 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 XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than XXXX times. transunion 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 XXXX XXXX XXXX PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MA)

Unauthorized fraud charge on my credit card in the amount of {$2800.00} by XXXX XXXX XXXX. Chase. Chase has been notified with proof of fraud charge but refuses to investigate and correct. Chase has " Zero Liability Protection '' policy but have chosen to not have it apply to this fraud charge for some reason. Chase response is " transaction is valid ''. When is fraud valid?
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Associates, LLC has obviously purchased several old credit card debits I owed from years ago and are using the law firm XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) to collect. They do not send any correspondence stating that they are trying to collect the debt and do not call. They simply send me a court summons. This has happened 3 times now, all during a pandemic while I'm furloughed from my job! The first time they were sending info to a wrong address prior to sending the summons. The second 2 went straight to the summons. They refuse to work with you on payments, they threaten to garnish wages and call your employer and this last summons even includes an affidavit that has incorrect information on it! It's most likely not even mine and yet it went STRAIGHT to court! They have upwards of 50 people waiting for one lawyer on a given day and then he shows up 2 hours late while we all are missing work and we have to wait while he goes through each one of us. But if one of us had been late, they would have gotten a judgement AGAINST us ... no one would have waited 2 hours for us! I wasted 5 hours in court one day to have a case continued! I feel harrassed endlessly by these people and never know when they will show up again or what they will do. They violate the FDCPA and the judges seem to side with them and protect them because they are " lawyers '' and they know them. I'm already having money issues due to COVID and paying on one of their collections and I feel like they are preying on me. I can't afford an attorney to go after them. I need it to stop.
Consumer complaint received 2020-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX 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 2022-02-17
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. (PA)

I was a victim of identity theft. I sent XXXX, XXXX, and Equifax my FTC report on XX/XX/2022. According to 15 USC 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2023-03-24
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: BMO Bank, N.A. (FL)

BMO HARRIS {$6800.00} WAS ADDED TO MY CREDIT REPORT. I WAS A VICTUM OF IDENITY THEFT AND HAD NO KNOWLEDGE OF THIS ACCONTS. I SEND IN A FTC REPORT 60 DAYS AGO AND STILL NO RESPONSE FROM XXXX XXXX XXXX