davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-05
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: Southern Auto Finance Co (GA)

I have disputed Safco ( account # XXXX, XXXX ) several times. The company would remove the account for months even up to a year then it would reappear. I took the necessary steps that customer service instructed me to do, which were to obtain a police report. The documents that I uploaded are the same documents that I sent to Safco when the company were removing the account ( I only updated ftc ). I contacted police station and was told to get report where I initially discovered the account. I even took an extra step and got a FTC affidavit per law enforcement. I submitted and again, company would remove for awhile and then it would reappear. 

I don't know what XXXX XXXX XXXX XXXX is. I've reached out directly to this company. I have two unauthorized inquiries ( XX/XX/2018, XX/XX/2018 ) Those unauthorized inquiries have been illegally pulled and thus should not be on my report as they weren't authorized by myself, any person ( s ) or company on my behalf.
Consumer complaint received 2018-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (GA)

XXXX XXXX XXXX is reporting on my credit report as a Collection. The original creditor is XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Both collection debts were placed on my credit report on XX/XX/2018. 

XXXX XXXX XXXX XXXX XXXX is in the amount of {$110.00}. 

XXXX XXXX XXXX XXXX XXXX is in the amount of {$210.00}. 

I have sent a debt validation to the Debt Collector and has not received a response.
Consumer complaint received 2019-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

I reported fraudulent activity that had occurred on my chase business checking account. I called their customer service department as well as went to a local branch within 60 days of becoming aware of the fraudulent transactions. When I met with the chase bank manager he reassured me that I was within the 60 day reporting deadline for reporting the fraudulent transactions and that Chase was going to reimburse me for the fraudulent transactions that had occurred on my account. I also verified that the Chase online policy also stated that fraudulent activity needed to be reported within 60 days. Upon completing their investigation Chase did not reimburse me for one of the fraudulent transactions claiming that I did not report this transaction within a timely manner, furthermore stating that I had only XXXX  days to report the fraudulent transaction. I have looked through the Chase policies fine-print and everything in their policies states that the reporting has to occur within 60 days, not 35 days. When I met with the local Bank manager, he also stated that he was not aware of a 35 day reporting policy for fraudulent activity. I'm helpless at this point and as a consumer and their lack of disclosure puts me in a position where I can not hold them accountable for their own policy. To this day Chase has not provided me with any public-facing proof of this 35 day reporting policy for fraudulent activity. Please help me to hold them accountable.
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

Back in XXXX XXXX, two ( 2 ) unauthorized transactions appeared on my Wells Fargo credit card account ( card # XXXX XXXX XXXX XXXX ). One is from XXXX with {$230.00} and one from XXXX XXXX with {$250.00}. I called WF to dispute this unauthorized transactions and after a couple of phone transfers, agent-supervisor-card dept., etc., finally I got to the Wells Fargo fraud dept XXXX and the amounts were settled and cleared. On that same phone conversation, It was also confirmed that I even ended up having a - {$70.00} balance ( overpayment ) upon further review of my credit card account. 
And promised me of repayment. On XX/XX/XXXX I've decided then to close the credit card account to avoid another incident to happen. 
Please see attached files showing my closed credit card account. Two are screen shots from my computer. 

Now come XXXX, I am not aware, until recently that Wells Fargo has put back one of the unauthorized transaction ( {$250.00} ) on my now closed credit card account. 

XX/XX/XXXX, I went to WF branch here in XXXX, TX to dispute again this transaction. This time I asked the bankers assistance to call WF to explain everything again. So the banker helped me out in explaining my case to card dept.-fraud dept. etc. 
After more than an hour of discussion, a case number was created for this issue. I requested an email correspondence for future communication. 

XXXX XXXX, XXXX, they sent me thru email the result of their investigation, which of course is in to their favor. ( Please see attached file, Wells Fargo Message.pdf ). This is very unfair and unacceptable. 

I really don't know what else to do/ where else to complain. All this time this has ruined my credit score, because of the fraudulent amount they put back in my now closed account. It's been a very frustrating and tiring experience.
Consumer complaint received 2022-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2017-07-05
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: Experian Information Solutions Inc. (FL)

To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help. <P/>XXXX shows XXXX disputed XXXX disputed Experian disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on the EQUIFAX response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : 1. XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX ; 2. XXXX XXXX Date XX/XX/XXXX. XXXX, XXXX ;
Consumer complaint received 2021-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

There is a collection in my reports XXXX XXXX and XXXX shows original creditor as XXXX XXXX XXXX which was not authorized by me the contract is not signed by myself authorizing this account which is an FCRA violation!! Second this account has been re-aged as the account has been closed since 2016 which is another FCRA violation in the state of Texas. Third I have never jointly signed with XXXX XXXX on any account as stated on my report.This account is clearly inaccurate and or fraudulent and needs to be removed.
Consumer complaint received 2020-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Sales Inc. (GA)

XX/XX/XXXX car was disable when payment was made in full XXXX XXXX XXXX car payment was made in full payment XXXX ( i was told by an agent that there customers service billing was not updated so they couldn't see that i had made a payment ) my car stay disable all my job that's over an hour away for two extra days after the holiday. 
XX/XX/XXXX car payment made in full XXXX ( i was told that they phone billing system was down once again and they couldn't see that my payment was made in full due to they system being down ). 
XX/XX/XXXX payment was made in full online XXXX ( i was told by an agent they couldn't view my payment was made online due to they system not being updated ). 
XXXX XXXX car payment was made in full online for XXXX ( i call tried to speak with supervisor agent gave me the run around from XX/XX/XXXX, to XX/XX/XXXX trying to see why was my car disable when my car payment was made in full on XXXX XXXX. Waited on the phone for over an hour to speak with supervisor i asked agent for corporate number and never received it.
Consumer complaint received 2021-05-10
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: CITIBANK, N.A. (IN)

XX/XX/2020 XX/XX/2020 I have tried informing the companies and credit bureaus of the account inaccuracies of them not being my responsibility and not my account, and have had to deal with XXXX phone calls all day long and my wife has been too. Along with XXXX voicemails of going to jail if not paid immediately. I believe they have not done the due diligence during investigation to delete these accounts off my credit report to reflect that. I have brought this to their attention numerous times within the past 6 months and it has caused my score to go from XXXX in the last 10 months
Consumer complaint received 2022-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NY)

I placed a {$350.00} internet order with my with XXXX Synchrony credit card on XX/XX/XXXX. That order was never received despite XXXX indicating that it was. I tried to contact the store via their customer service line over the next 4 days to resolve the issue, and each time I was promised a call back from the store manager within 24 hours. That call never came. 

On XX/XX/XXXX I contacted the credit card issuer Synchrony Bank to dispute the charge for non-delivery. On XX/XX/XXXX XXXX provided to Synchrony as delivery 'proof ' a screenshot of their system saying the order was delivered, which Synchrony accepted. 

On XX/XX/XXXX I resubmitted the dispute indicating that no real proof of delivery had been provided ( e.g. a delivery signature, or a picture of the item delivered on premises ). On XX/XX/XXXX XXXX sent the same screenshot of their system indicating delivery, and Synchrony bank accepted this again. As of XX/XX/XXXX I am currently in the process of disputing this charge for non-delivery a third time. 

This was a very large, palleted item to be delivered on a flatbed truck, I was home and there are security cameras all over. This wasn't a case of theft off my property. I've been a customer with Synchrony on this card since XXXX and this is the first time I've disputed a charge.
Consumer complaint received 2020-12-17
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: CREDIT ACCEPTANCE CORPORATION (IN)

XXXX sent a letter to XXXX and XXXX XXXX about Credit Acceptance Corp account number XXXX. This was an auto loan repossessed XX/XX/2020. The letter stated there were inaccurate balances between the 3 major bureaus. XXXX I Debt Validation Letter was sent to Credit Acceptance Corp. I have never received a response to this request. XXXX Validation of Debt was sent to XXXX and XXXX XXXX for Credit Acceptance. XXXX Second Validation of Debt was sent to XXXX and XXXX XXXX for Credit Acceptance Corp. XXXX I sent a letter to XXXX and XXXX XXXX stating some factual disputes and also that Credit Acceptance Corp had not responded to my Validation request. XXXX I filed a CFPB Complaint XXXX which included XXXX XXXX and XXXX not reporting correctly according to the CFPB. XXXX I sent a Debt Verification with specifics of the Process of the repossession, notifications, auction and payment history. This is the second time asking for validation from Credit Acceptance. I have proof this was mailed out. I also sent on XXXX letter to XXXX Stating that a Debt Verification Letter had been sent to Credit Acceptance with all this information in it. XXXX sent letter to XXXX XXXX stating factual inaccuracies. I received notice on XXXX from XXXX that Credit Acceptance Certified that the information was accurate. Also in that same report I saw where Credit Acceptance was adding fees to the total every month after the Charge off. Essentially late payment fees. In conclusion of this last part. Credit Acceptance Corp did not notify XXXX of XXXX XXXX I had sent them a dispute letter this last time either. it was not posted on my Credit report stating that. Also XXXX was told by me in the last letter that I had contacted Credit Acceptance Corp asking for Validation again and XXXX  still allowed Credit Acceptance Corp to Certify the information was Accurate ignoring the FCRA. I have video of some of these documents being placed in envelopes and being dropped in the mail boxes. I have copies of certified mail receipts for some also.
Consumer complaint received 2022-08-29
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: Experian Information Solutions Inc. (NY)

On XX/XX/2022, I was on a XXXX XXXX XXXX XXXX when an offer to set up a XXXX account appeared. It was, I believed it was and was presented as such, an offer to open an account for purchases made for shipping, tracking orders, and to facilitate check out with ease as I had made purchases on line with the XXXX XXXX previously using my bank card. Before I knew it I was being asked income and social security number and date of birth in addition to other demographics and when I hit submit, it apparently generated an Inquiry on my credit bureau report erroneously. I called XXXX to remove the inquiry as an error and after hours of aggravation, hold times, rude people I was told " No '' by a person named XXXX. I explained I felt I was duped into going down a " rabbithole '' I never intended to go, that this was unfair and deceptive and also wonder how many others were so tricked, to wit XXXX told me " Oh when you hit submit you gave us permission '', which I never did. I feel XXXX engaged in Unfair and Deceptive practices. I have since unsubscribed from the XXXX XXXX XXXX.
Consumer complaint received 2020-09-15
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: Bread Financial Holdings, Inc. (TX)

This is a complaint of race and age discrimination. 
More than 6 years ago I led a picket outside a Victoria 's Secret here in XXXX, Texas for race discrimination regarding lack of XXXX XXXX  models ' pictures on display in the XXXX XXXX location. Our pressures eventually led to that location 's closing. Not long afterwards I began receiving from Victoria 's Secret Comenity notice of the reduction in my credit card limit. It occurred again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I recently turned XXXX on XX/XX/XXXX, and Victoria 's Secret is fully aware because birthday discount sent. When I contacted Victoria 's Secret customer service today, XXXX XXXX, XXXX at XXXX XXXX. I spoke to XXXX and asked who determined the need to constantly reduce my credit limit and he said it was there at Victoria 's Secret. I reminded him of no problems making monthly payments so why the reductions? He said that every 90 days credit bureaus provide Victoria 's Secret information. Considering overwhelming fraud at every turn, I asked why no one at Victoria 's Secret had contacted me directly since this reduction was a regular situation? He could not answer and said he could re-send those same reduction letters to me. I feel strongly I am discriminated against due to my nationality and now age ; denied due process because Victoria 's Secret never cared to contact me to hear my position and take corrective action not to my detriment. Complaints on credit bureaus have gone unaddressed and fraudulent activity on my credit history reflected in generalities.
Consumer complaint received 2022-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have been trying to resolve these issues since XXXX until now XX/XX/XXXX with no real response to how did they verify the accounts and no change. I wrote to the United States Bankruptcy Courts on XX/XX/XXXX and they responded back that they do not report cases to credit agencies. I also wrote to XXXX several times and they have resolved and removed the Bankruptcy reporting off my report. I sent the proof to all of the credit agencies : Transunion, XXXX and XXXX and they are stating validated, I have sent at least 3 letters and twice by certified mail. In the letters I asking how did they verify the accounts and please send me a copy of my credit report and I received no answer nor a no letter, just an email from Transunion, with Validated. This is unacceptable, unprofessional and very irresponsible on they're behalf with the timeframe of 30-45 days and no letters with the answers and they are not even answering my questions. I need them to revisit the investigation, research, review and advise me with 30 days how did they verify this information and if they can not in writing Remove the items IMMEDIATELY from all credit reports and send me a updated credit report. Thank you.
Consumer complaint received 2023-01-26
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: Convergent Resources, Inc. (CA)

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : Convergent Outsourcing # Unknown Account Number Account name : XXXX XXXX XXXX # XXXX 15 U.S.C 1681, section 602 A of the Fair Credit Reporting Act, states I have the right to privacy.

15 U.S.C 1681, listed in Section 604 A 2 of the Act, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-25
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: CLGF Holdco 1, LLC (WI)

XXXXXXXX XXXX is reporting late payments while in active XXXX XXXX bankruptcy. The bank received notification by mail XX/XX/23. 

The bank is violating my automatic stay federal rights and also improper use of credit reporting.
Consumer complaint received 2017-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (DC)

Specialized Loan Servicing services our mortgage. We pay a monthly escrow fee to SLS for " taxes and insurance, '' but SLS has failed to pay the taxes. We were required to pay the taxes ourselves, as well as the late fee incurred due to SLS 's failure to pay the taxes. I called to speka to SLS, thinking that it would agree to reimburse me for the costs I incurred. SLS says that is not how its does business -- instead, it will reduce the escrow amount that we would ordinarily pay. I asked to speak directly to the tax department and, once I got there, the tax person promptly dropped my call. <P/>In seeking to resolve this with SLS, I was pressured to not handle the call on speaker phone, and asked to identify anybody who was on the call. ( Nobody was in my office. ) I found this request to be odd. <P/>I am concerned that SLS has no intent on reimbursing me for the several thousand dollars that I was required to pay to the tax authorities. I am also concerned that SLS has a recording about this practice for people who call in, as if this is a routine practice for SLS.
Consumer complaint received 2020-02-06
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)

THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT LIABLE TO ME AND MY SSN. THOSE ACCOUNTS HAS BEEN INACCURATELY REPORTING ON MY CREDIT AND HAS BEEN EXTREMELY DAMAGING MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FOR THEY HAVE BEEN HURTING MY CHANCES OF ACQUIRING NEW CREDIT.