davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-21
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. (TX)

I found a charged-off account from XXXX Card that does not belong to me on my credit report. I reached out to XXXX Card by certified mail requesting that they provide and prove the Validity of the Account. XXXX Card did reply or respond to my Letter. I tried calling but the Representative said she did not have access since it is charged off and could not help me. I sent XXXX Card a second certified mail asking them to provide a proof or a signed agreement/document with my signature to Validate the Account, but I still did not get any responses. XXXX Cards failure to respond within 90 days of receipt of my certified letters is a violation of the Fair Debt Collection Practices Act ; therefore, XXXX Card should delete all entries from all credit reporting agencies. 
Negative mark placed on my credit reports ( including XXXX, XXXX, and Equifax ) from XXXX Card for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if they can not prove the validity of the account, XXXX Card must request that all credit reporting agencies delete the entry. 

Account Number:XXXX XXXX Card XXXX XXXX XXXX XXXX DE XXXX
Consumer complaint received 2023-07-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2021-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (CA)

My dispute is with XXXX. I let a person that I thought was a technician log on remotely to my computer. My XXXX account was hacked and sent someone named XXXX XXXX {$34.00} on XX/XX/2021. On XX/XX/XXXX money was sent to XXXX XXXX in 2 amounts of {$77.00}, and {$23.00}. I immediately reported these transactions to XXXX and they sent me notices that they were NOT unauthorized, they were a usual transaction. I called the fraud department and told them that my computer had been hacked and that I have never sent money out of my account to any person. All I used XXXX  for was XXXX and XXXX. They said they would look into it and I just got an email saying they are all authorized transactions. They are not and even an XXXX could look at my account and see that this is not my usual transactions. They also wont let me close my account.
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (FL)

I had my rent increased on my apartment rental by a significant amount. I am planning to find another place to live. Then, Hurricane Irma hit. I was evacuated to a shelter, had no power. I am XXXX, but work a little. I am an iXXXX XXXX and do XXXX XXXX XXXX. Because of the storm, I was unable to get to my patient to provide his care. I missed close to two weeks work. I do n't get paid unless I work. Because of all these factors, I missed payments on my XXXX XXXX Credit Card and my XXXX Credit Card, which are both through XXXX XXXX. When I was able to live in my apartment again, after the flooding receded and I had power. I called XXXX XXXX about both accounts being late. I arranged to have my next payment debited from my checking account on XX/XX/XXXX. I told them I would catch up and get my account current again, once I was back to work. On XX/XX/XXXX, I checked my checking account at XXXX XXXX XXXX. Two payments had been put through, one for XXXX, at {$35.00}, and one for XXXX XXXX, at {$20.00}. Because I only had a few dollars in my account, both overdrew my account. It takes several days for the charges to be returned, so I can not use my checking account. Now, I ca n't pay my cell phone bill and my cell phone is going to be shut off tomorrow. I called and complained, because I have never missed payments on these credit cards until all this happened. They said it was some kind of mistake. I asked them to forgive my XXXX payments, because, I live in a state that has been declared a federal disaster area, and that 's what my other creditors are doing. XXXX XXXX refused to do this. Now my cell phone will be shut off. I planned on paying it today, until XXXX overdrew my checking account. They wo n't help me.
Consumer complaint received 2018-12-08
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: Waypoint Resource Group, LLC (PA)

I have a debt on my credit reports through XXXX XXXX   from XXXX  and XXXX from Waypoint Resource Group or XXXX. The debt is from XXXX. I was born in XX/XX/XXXX ; I'm in XXXX  and I have always lived with my parents. I have never applied for TV or internet services. The only credit I have is a credit card through XXXX XXXX which is in very good standing, never late or over limit. The debt has a date of XX/XX/XXXX on my credit reports. I filed a dispute with the credit bureaus and directly with WayPoint and it's still on my report. I'm about to enter graduate school and I need to have clean credit to get the loans required to graduate. I was advised by my counselor to request debt validation with proof of a signed application, dates as to when the account was opened, how it was opened, etc. I never received any proper validation. All I received was a copy of a bill with the dollar amount of {$610.00} as the balance. No proof as requested was provided. Under the FCRA, I have the right to request debt validation and it must prove the debt is mine and was obtained correctly. Please remove this from my credit reports as I'm just a young student trying to make the best of my life and this is causing many problems. 

WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-04-21
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: JPMORGAN CHASE & CO. (TX)

I found a charged-off account from Chase Card that does not belong to me on my credit report. I reached out to Chase XXXX by certified mail requesting that they provide and prove the Validity of the Account. Chase Card did reply or respond to my Letter. I tried calling but the Representative said she did not have access since it is charged off and could not help me. I sent Chase Card a second certified mail asking them to provide a proof or a signed agreement/document with my signature to Validate the Account, but I still did not get any responses. Chase Cards failure to respond within 90 days of receipt of my certified letters is a violation of the Fair Debt Collection Practices Act ; therefore, Chase Card should delete all entries from all credit reporting agencies. 
Negative mark placed on my credit reports ( including XXXX, XXXX, and XXXX ) from Chase Card for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if they can not prove the validity of the account, Chase Card must request that all credit reporting agencies delete the entry. 

Account Number:XXXX Chase Card XXXX XXXX XXXX XXXX DE XXXX
Consumer complaint received 2023-03-24
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: SYNCHRONY FINANCIAL (CA)

I made a purchase from the Lowes XXXX store. The clerk told me if I signed up for a Lowes credit card I would receive and additional 10 % discount. The clerk had a great deal of problems getting me signed up for the account. I pulled out my XXXX card and swipe it thinking the charge was being placed on my XXXX card. The charge was actually on the Lowes account. I found this out after reviewing my XXXX charges. I called Synchrony bank and they reversed the charge pending a review. In the mean time I discover my error and called them back informing them that the charge was mine. They placed the amount back on my account. I then paid the amount due on line. They stated they could not find the payment. So I sent them a copy of my bank statement which they did not accept. After numerous phone calls and support faxed to them they still as of this date have not resolved the issue. They lost the item I returned for credit, I supplied them with a letter from XXXX  XXXX XXXX stating the monies did come out of my account, it went to Synchrony for the net amount of the purchase. As of today Synchrony still show the incorrect amount ( {$690.00} ), they can not locate the payment ( even though my bank assures me the information they supplied is enough information to trace the payment as they gave me Synchrony bank reference number ). 
In Synchrony documentation they state they will accept a letter from the bank. I do not work for them and I can not control their accounting department. I have supplied the support they asked for to resolve the issue.
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-12-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc. (NC)

I tried to create and an account with Money Lion for their roar money account however they denied opening an account to me because they could not verify my identity. I have two last names which their system only allows if the names are hypenated, mine are not. I submitted documentation ( my ID and marriage license ) to provide verification but my account was denied. Due to the denial I asked if my information including my social security number, name, address and email address could be removed from their database to which I was told no. I was informed that they would retain my information but only deactivate the account. I simply want my information removed if I can not monitor its use and was told no.
Consumer complaint received 2018-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

ill try to make it simple, i gave permission for my credit to be pulled by these company 's 1 ) XXXX XXXX XX/XX/XXXX, XX/XX/XXXX. 2 ) XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, These company i listed had my writen consent to pull my credit, all others do not have my written consent and there for i want them removed unless they can provide transunion a document with there letter head and my signature they dont have permission or pressumeable permission, i was not informed nor had any idea that all these banks was pulling my credit report. please as under FTC creditors or any person pulling a report must have permission.
Consumer complaint received 2018-04-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (CA)

My wife and I used a company called XXXX XXXX  to rebuild an engine on our vehicle. Because the amount was more then we could afford to pay up front, XXXX XXXX  suggested we use their finance company called XXXX XXXX XXXX. I applied for the credit on XX/XX/2018 and was approved for the 90 day same as cash. Yesterday ( XX/XX/2018 ) my first payment came due for XXXX XXXX to withdraw the agreed amount from my bank account. At XXXX I received a text stating they need my help regarding a returned payment. I called them back and they said because I gave them the wrong debit card number I no longer qualify for the 90 same as cash. The card number was correct except the very last number instead of a XXXX it should have been a XXXX. I did not fill out the information on the application it was done over the phone with the guy from XXXX XXXX. He told me he already had my correct debit card number because I gave it to him to pay for the application fee. I also have two receipts showing that he had the correct debit card number because he used it to charge a {$500.00} deposit and to run the {$90.00} application fee. He then emailed the contract for me to review and digitally sign, which I did. However I did not see the mistake when I reviewed it. I knew nothing about the input error and have tried to correct it. I have talked to three different people people at XXXX XXXX XXXX and they refuse to honor the 90 same as cash.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX has continued to report an account which I previously held with them as a derogatory account to the various consumer credit reporting companies. I have disputed the status of the account with the Credit Reporting Agencies, as well as directly with XXXX without success. XXXX contends and reports that the account was included in a bankruptcy filing, thus reporting the account as a negative or derogatory mark/tradeline on my consumer credit reports, however this is in fact, untrue. The account that I held with XXXX was in good standing and maintained a zero balance from the date that it was opened until the date it was closed by the creditor. The account was not discharged or even included in the Chapter XXXX Bankruptcy I filed as there was never any debt to discharge. As I have previously disputed this account with the Credit Reporting Agencies, some of them have deemed any further disputes erroneously as frivolous due to XXXX 's insistence that they are accurately reporting, therefore precluding me from any further disputes of that information. The account was closed by XXXX unilaterally and should be reported solely as closed by grantor, without any negative remarks or connotations that cause it to be classified as a derogatory account which can negatively impact my credit score. 

This account is specifically reported on my TransUnion and XXXX  reports. 

XXXX shows it inaccurately as included in Bankruptcy ( negative ) last updated in 2014. Even after a dispute with both the CRA and the creditor, even though they report it as never having a balance.
Consumer complaint received 2022-10-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022 a Wire Transfer from my Wells Fargo checking account was initiated to XXXX XXXX account. The transfer did not go through. On XX/XX/2022 Wells Fargo Bank was notified to conduct a Wire Transfer Recall which initiated on XX/XX/2022. After much dialog with my Wells Fargo Bank, account rep., XXXX XXXX ( XXXX ) XXXX & XXXX regarding recovery of {$15000.00} from XXXX XXXX, a grievance was filed with Wells Fargo on XX/XX/2022. Case # ( available from XXXX XXXX ). A recovery amount of {$5300.00} was credited to my checking account on XX/XX/2022, approximately 35 % of funds requested from XXXXXXXX XXXX. On XX/XX/2022 I received a letter from Wells Fargo Bank, Claims Assistance Center stating that the case is now considered closed. On XX/XX/2022 I sent an email to my Wells Fargo Bank XXXX, XXXX XXXX at XXXX informing of the Wells Fargo Bank letter I received and to please retain all file correspondence and documentation for I would be taking further action. 

My personal Wells Fargo Bank representative, XXXX XXXX has on file all correspondence and documentation regarding this Wire Transfer Recall.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

US Bankruptcy Court Georgia XXXX ... XXXX... I have previously disputed U.S. Bankruptcy Georgia XXXX XXXX XX/XX/2016 ... with the credit bureaus and in response you verified the item as accurate stating that they have verified the information with the Court. I contacted the Court and their responseis enclosed. It is clear they do not report to the credit bureaus for that matter ; therefore the credit bureaus original response verifying the item with the Court was either an error or a lie. Either way the reporting requirements do not comply with FCRA and the information must be deleted immediately.
Consumer complaint received 2018-12-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (NC)

XX/XX/18 at XXXX a man called me from ( XXXX ) XXXX XXXX XXXX , CA . He identified himself as XXXX and said he was an Attorney that had been retained to collect a debt. He knew personal detailed information about me and my assets. I told him I wasn't aware of any debt, he then told me a summons had been mailed to me and if I didn't appear in court I would be arrested. 
I began to ask questions about the debt ... he got very rude and said I had already been made aware - at this time I needed to make a payment of {$800.00} to settle the debt or my car would be repossessed. 
He told me if I haven't made a payment by Monday XX/XX/18 he will be moving forward with court proceedings to have my vehicle taken ( which he knew the specifics of ). 
I'm not sure if this is a scam ... but, this phone number came up on a XXXX search and I have never received any letters from a debt collector or an Attorney.
Consumer complaint received 2018-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MI)

I have had credit card with XXXX XXXX - XXXX XXXX XXXX XXXX and over 12 months I have earned cash back of {$360.00}. XXXX XXXX stated that check in amount of {$360.00} was mailed to me in XX/XX/2018 but I did not receive the check. When Ive called to see what is happening they said that check was mailed and they can not issue me another one. Since original check was not cashed and I did not receive it I do not understand what is the issue and why I can not receive my money from cash back.
Consumer complaint received 2022-06-13
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. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 instructions
Consumer complaint received 2022-06-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 instructions
Consumer complaint received 2022-06-13
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. (TX)

Im starting to grow frustrated with Experian, I sent over a police report last week via XXXX when I found out that I had become a victim of identity theft. 

I sent XXXX XXXX XXXX  a copy of a letter, police report, identity theft affidavit from the FTC & a copy of the FCRA 605b report & Experian responded with a letter refusing to block the information citing that the account had been disputed many times. Once I sent the dispute in 2020 stating that the debt was not mines & it came back verified I tried disputing the way it was reporting only for them to verify the information as accurate. After sending XXXX XXXX Bank a XXXX XXXX to receive everything pertaining to the debt such as a copy of the online application. It came back with an address that Ive never been associated with which validated the reason that I didnt believe the debt belongs to me. I had my proof so I went & filed a police report & FTC affidavit to have the information suppressed & just got an email from Experian all but accusing me of using a falsified police report to suppress the account. This is not only defamatory but also irresponsible because they refuse to do their job
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (NY)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX