davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (OH)

Hello, Im writing you today to challenge the below reference account that have been placed on my credit report in erroneous, after looking over my credit report profile I noticed a few personal details about this account that doesnt appear as accurate on my credit profile, at your earliest convenience Im requesting that you delete this information and remove it off my credit profile for which its been holding me back from reaching my goals and also causing denial for credit opportunity imposing a harsh image on my credit profile, below I listed the personal identifiers thats associated with this erreronusly account under the FCRA Law I have a right as a consumer to delete any information that doesnt appear to be 100 % accurate and I have found inaccuracy in this reporting, I have reached out to the direct furnisher Multiple times since XXXX XXXX up until now XXXX I have USPS receipts as well ( see proof of receipts attached ) trying to get the best satisfactory resolution for this matter unfortunately I havent been successful, I under circumstances I have even got told this information can no longer be reinvestigated which is disturbing as a customer I feel my rights have been violated not only by PNC Bank, but also the XXXX who allowed this furnisher to continue reporting this inaccuracy. Every time I file a dispute to the XXXX  they allow them to modify the information listed on the loan which is insane! This account had been deleted from my equifax report ( see proof attached to this complaint ) recently in the past so Im confused as to why the other Reporting bureaus continue to allow this erroneous account to be reported, unfortunately it stills appear on XXXX of my Report, so how can you say this information is valid if it doesnt appear on all 3 Credit Bureau reports, not only is that jeopardizing the integrity of my credit but its also putting my credit at great risk I want to know who this account belong to. this is VIOLATING MY RIGHT AS A CONSUMER AND IM ASKING THAT YOU REMOVE THIS ACCOUNT OFF MY CREDIT REPORT Thanks. 


Acctn : XXXX Name of account holder - XXXX XXXX/ please remove Address of account holder- XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX. Never been affiliated with this residence -please remove Phone number associated with the account XXXX never been associated with this phone number /please remove The above referenced information is what is affiliated with the account I have no acknowledgment of nor do any of the information reflect on my credit report as accurate, as a consumer I'm asking at your earliest convenience to remove this account off my report and send me an updated status of the removal thanks in advance.
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (MO)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX/XXXX/2015 CFPB helped resolve an issue with a credit reporting issue from XXXX XXXX. You provided me with a letter response from XXXX XXXX with accurate information which I sent a mailed dispute and copy of letter to each credit bureauXXXX TransunionXXXX. XXXX corrected the information, however Transunion is refusing to correct the information. They have a copy of the letter, but are still refusing and are stating they need a newer copy of the letter, even though it is dated XXXX/XXXX/15. 
This has severely impacted my ability to refinance my home.as rates are now rising. 
I would like to have this investigated as to why they are refusing to correct an error that has been sufficiently documented it is an error.
Consumer complaint received 2019-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (RI)

I believe my identity was compromised due to the data breaches from XXXX, XXXX XXXX/XXXX XXXX and XXXX. Further, I believe that there are situations arising from that fact that my SSN is one of a sequential sibling numbering and two of my siblings are deceased. That coupled with the fact that I have an ex who knows my SSN and personal information and a relative of one of my deceased siblings who also know that information, that debt has been obtained in my name using new accounts and existing accounts. 
I want to see all of the information used to obtain this debt and make charges against it. I want all pertinent information used to verify identity and approve this debt. I am concerned that debt was authorized in my name without verifying it was me seeking the debt and getting benefit of it.
Consumer complaint received 2022-03-15
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Strategic Alliances, Inc. (FL)

I received a notice of a debt collection dated XX/XX/21. On XX/XX/21 I sent a letter acknowledging the debt with a check for {$51.00} for the first payment. I advised them that I would pay no less than {$25.00} per month which I have the records to prove that I have each month since. They continue to call me every few days and I have told them to stop calling me. I tried blocking the phone numbers from calling me but they have multiple lines, so the calls continue.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

Equifax hack A suggested action by consumers in light of this data exposure is to have a fraud alert and/or credit freeze placed a
t the 3 credit reporting companies. There is a fee for this action. My complaint is why should consumers have t
o pay to protect themselves when Equifax negligence is the reason for the exposure.
These services ( freeze, fraud alert, etc ) should be provided free of charge and Equifax should be more proactive in taking these steps.
Consumer complaint received 2021-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IN)

As everyone knows the crumbling of the XXXX XXXX empire which has left alot of students displaced, after all the high hopes of pursuing a career for the jobs of today on your schedule. After several years of XXXX then trying to complete XXXX XXXX to be cut short by XXXX 's ability to stay legal. Having wasted all this time attending XXXX while supporting my XXXX children on my own and working XXXX jobs. The hopes of obtaining an education to possibly show my children that it is never to late to better yourself and prove to myself that i am worth something better in the job market. Now having this blemish on my record ( XXXX ) employers laugh considering the situation and time lost trying to get my degree. Then XXXX XXXX was our loan holder which has problems and they transferred our loans to Navient, in my opinion is grossly over taxing my loans. For an XXXX XXXX and a half a XXXX my repayment is {$95000.00} over a period of 18 years. No way is the education i received worth this especially after all that we have been through after its closings. Please HELP!!!!
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (PA)

My company got a Chase XXXX credit card. The person that applied for the card left the company last year and no longer works for the company. The account was paid and had a XXXX balance when we called and closed the account last year. The company kept the account opened and charged the annual fee and continued to charge the late fees for nonpayment. We did not receive any bills for over XXXX months and only last week we received an email saying the account was past due and closed because of non-payment. I called the customer service number and was transferred back and forth for over XXXX hours looking for someone that could reverse the charges. I was finally transferred a supervisor named XXXX XXXX, who said the only person that could close the account was the person that no longer works for the company, which we ca n't get a hold of. We asked that all the unauthorized charges be removed and he said he would not and threatened to keep on accruing interest and late fees on charges that was never authorized and additional late fees.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (TX)

I purchased XXXX cards from Incomm online more than 2 months ago. When the cards arrived, they had fraudulent transactions on them. I opened my case more than 2 months ago and they still have not reimbursed me for the fraudulent transactions. I ordered these cards to use them right away - not to wait more than 2 months.
Consumer complaint received 2022-03-15
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: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX XXXX is illegally reporting a fraudulent account on my credit file. I made outreach to XXXX XXXX  and explained to them the the account was not mine and that I filed a police report. They explained to me that a XXXX credit card was opened in my name in 2015 which is not true as I have never applied nor used credit at XXXX. So, not only is there a fraudulent account reporting, the information is also inaccurate and outdated which is legally grounds for this account to be permanently deleted. Additionally, the furnisher sent me a copy of a bill that does not verify the account belongs to me. I reached out to Experian to explain my concern as I am in the purchasing process for buying my family a home and I have not heard back from them. I do plan to take legal action if this inaccurate data is not removed from my report.
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

My credit card ( XXXX XXXX ) offers as a benefit a credit to cover XXXX precheck fee. I renewed my precheck on this card and was not given the statement credit. I called the card customer service several times and they are claiming I purchased the precheck from a third party ( not true, and not possible ) and therefore they will not honor their offer.
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

My ex husband and my XXXX XXXX XXXX daughters father died on XX/XX/XXXX. There was no will or executor for his estate and he was not married so his mother and I went to Wells Fargo on XX/XX/XXXX with the death certificate to see what, if anything we could do. 

Upon speaking to a banker, we found out that the next of kin would be his children, but since they are minors, I was able to complete a small estate affidavit and receive the funds and close the account. Once this was approved, the banker let us know that his bank account was completely empty, as an unauthorized user logged into his bank account and transferred herself all the funds. The amount she took was {$2800.00} and she took it over the days of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We filed a fraud claim with the bank and were told we would hear something within 10 days. 

Today was the XXXX day, so I went back to Wells Fargo to see if they could give me any updates. The branch manager of the XXXX, GA location was wonderful and called the claims department to find out what was going on. He was told that the claim was denied because they could not prove my ex husband didnt authorize the charges, even though he was deceased at the time they were made. Even the branch manager was upset about this and tried to explain the situation but the claims department didnt provide any more information.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (NY)

This complaint is against American Honda Finance. I have paid this office on time and they reported me late in XX/XX/XXXX and XX/XX/XXXX. I have sent numerous requests for them to correct his but it still have not been resolved. I would like the late payments removed off my account and my credit file. That is it!
Consumer complaint received 2022-03-15
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: CLGF Holdco 1, LLC (NC)

There are four accounts on my credit report that are not mine XXXXXXXX XXXX XXXX  {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX - XXXX XXXX  {$420.00} XX/XX/XXXX XXXX {$370.00} XX/XX/XXXXXXXX XXXX {$370.00} XX/XX/XXXX
Consumer complaint received 2022-03-15
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (GA)

I sent Demand Letter to ABC Fitness Solutions for contacting me via ( autodialer or ATDS ) without my consent which violates the TCPA 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). On XX/XX/2022 the business presented a Membership Agreement that claims I consented to be contacted by phone. 

But I didn't consent to receive calls from an ( autodialer or ATDS ). Autodailers are illegal without prior consent under TCPA.
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act accounts : XXXX ( Original Creditor : XXXX XXXX  ) # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 instruction.
Consumer complaint received 2022-03-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Hi I am submitting this XXXX XXXX XXXX this isn't 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 719transunion has me at a score around 590. 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 three 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 21 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 XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (KY)

I have XXXX unsecured credit cards with Continental Finance. I have gotten behind on making payments. Maybe because I didn't return their call, they forced an ACH payment with my joint bank account without authorization. They submitted XXXX XXXX payments and said it was a paybyphone. I did not authorize verbally, by phone, email or on their site any payments. 
I put a stopped payment on my account today to prevent them from submitting any additional ACHs. 
They had also caused bounce fees when they did this. 
Thank you
Consumer complaint received 2022-03-15
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. (TX)

XXXX XXXX XXXX reported to my credit 30 day delinquent my score went from XXXX to XXXX. I called XXXX they said the account has never been late and they did not report it as late and that the account is not delinquent. I asked why did they put it on my credit. She said her system shows they didnt, but XXXX was only XXXX  days and thats why it would show up delinquent. This makes no sense because 1st she says they didnt do it, there is no delinquent, then its dispute it, then oh XXXX is XXXX  days and thats why it was reported delinquent Please help me I went from XXXX to XXXX for NOTHING. And they wont help me
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY ()

I am writing to dispute the following operations to my account that were not carried out by me in any physical or online form. I obtained this list by calling the telephone number of attention in XXXX that is on the back of my debit card ( XXXX ). 


Date Merchant/Operation Amount Reason for dispute XX/XX/2022 Cash Withdrawal {$8500.00} This transaction was not carried out by me or with my consent XX/XX/2022 Cash Withdrawal {$19000.00} This transaction was not carried out by me or with my consent XX/XX/2022 Transfer made in a branch {$2800.00} This transaction was not carried out by me or with my consent. I did not go to any Wells Fargo branch to make such a transfer. 
XX/XX/2022 XXXX {$69000.00} This transaction was not carried out by me or with my consent XX/XX/2022 Debit {$45.00} This transaction was not carried out by me or with my consent I opened a claim about unauthorized changes to my personal information on XX/XX/2022, the claim number is XXXX. I informed the bank I could not go to any Wells Fargo Branch for the next few months during the call. How is it possible that the bank did not put a hold on my account and allowed these unauthorized transactions of thousands of dollars after I filed the claim, knowing those are not usual transactions I would make. 
I am requesting that the error be corrected, that any finance or other charges related to the disputed amounts be credited to my account, that I get an accurate statement, and that my account is put on hold until I can physically go to a Wells Fargo branch to have my personal information updated and to prevent future unauthorized transactions.