davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-12
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: Experian Information Solutions Inc. (FL)

I have student loans with XXXX XXXX in which the POTUS has forgiven the loans. I have disputed the remaining loans on my credit report, but without any luck they remain there, on all 3 reports. When I look at financial aid website, they are not there so I know for sure they have been forgiven. I need this taken care of. I am a XXXX veteran, so as soon as I can get those abolished I can apply to get the rest them XXXX. I am currently trying to buy a house, but with XXXX in student loan debt on a fixed income, that is not going to happen anytime soon.
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX Employers : RETIRED Date Updated : XX/XX/2018 XXXX XXXX XXXX XXXX  Date Updated : XX/XX/2018
Consumer complaint received 2018-04-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NM)

I have requested on five different occasions through various forms of communication to try and have some place called XXXX XXXX   verify and validate a debt which is being reported as in collections which I discovered after reviewing my credit bureau reports. I dont understand how a business can claim a debt is mine and then destroy my credit history without contacting me first. I have tried calling and they tell me they can not verify me. I do not believe this debt of {$4000.00} which is showed by the CRAs is a legitimate debt of mine. They can not even verify who I am when I call because they tell me that the information the have doesnt match. I have written a letter requesting debt validation and asked how they verified the debt was mine and I never received a response. I have disputed through the credit bureaus that the debt is not verifiable and they tell me that it is verified and will not tell me how they figured out that is is a verified debt. This is fraudulent. There should be a criminal investigation done. I will continue to report this fraudulent attempt to collect money from me until it is removed.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY (NY)

This bank is crazy and their verification process I have a fraud alert which their supposed to just call me and verify but they made me go to a branch to process 3 applications I submitted they refuse to Approved me give me a hard Time even after sending them the required documentation they requested Im denied credit my reflect card active cash and bilt XXXX are all on hold this is not fair it shouldnt take weeks for approval they also denied me my XXXX XXXX  application they are treating me horrible
Consumer complaint received 2021-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ).

I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2019-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I lost my job, have never been late on a payment since XXXX, so I am not familiar with credit card practices. However, this year, I was in between jobs, and was told that when you fall behind for 2 months in payments, then it reviewed to determine whether they should close the card ( which affects credit score --  dramatically ). On XX/XX/XXXX Bank of America, the credit lender, called my parents left a voicemail saying to call as I was behind again and there were additional options to help me or assist. On XX/XX/XXXX, I was notified via email from Bank of America that the credit account was closed. No notice, no time to actually discuss with them. 

When I fell behind a few months ago, BOA sent e-mails about the credit card servicing, this time not one.  The only one was to notify me they did something to dramatically affect my credit without any notice. They changed their pattern of practice from the first time to this time within just a few months. Now without any opportunity to save my credit they closed the card without notifying me once they were making that determination or even evaluating it, but they could call and leave messages that your account is behind and we have options to help, which apparently isn't even true.
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (PA)

This is my XXXX complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.
Consumer complaint received 2019-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

I have called Credence on several occasions with an account they have listed under XXXX XXXX XXXX XXXX XXXX, but I went to the hospital and received an incorrect bill from XXXX XXXX XXXX. I have been trying to get my account updated with with my XXXX information. At first they said they would contact their client and provide the info. I waited and called back and then they claimed they can't do anything, said there was a filing limit when I informed them that I was informed there was no filing time limit with XXXX, I spoke to numerous reps, one hung up on me, they kept transferring me, then they were all of a sudden that department was closed way earlier than they were supposed 30-40 mins earlier after they left me on hold for almost an hour and kept telling me to contact different numbers. I have been going back and fourth between the collection agency and XXXX XXXX XXXX trying to get this sorted out and no one has taken the time to get this handled or input the correct information for my XXXX XXXX XXXX. I informed the Credence Collection agency that because of their tactics I would just file a claim and get this handled
Consumer complaint received 2019-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (KY)

I received an email from Comenity Bank ( XXXX ) that my payment was coming due. This card was paid off on XX/XX/XXXX and I was told the account was closed. There were {$250.00} worth of charges made on the card on XX/XX/XXXX in stores in Michigan. I have not been to Michigan and have not given anyone permission to use the card ( because the account was supposed to be closed ). I am trying to resolve this matter with the company at the present time.
Consumer complaint received 2021-12-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

I have been using Wells Fargo to make all of my bill payments. I set up my XXXX XXXX XXXX payment to pay XXXX monthly beginning on XX/XX/21. The Wells Fargo system automatically converted the payee to XXXX XXXX and would not allow me to alter and their system says this information was provided by payee so I proceeded to set up reoccuring payments. All of my payments were processed fine until my XX/XX/21 payment. When XXXX told me they had not received check I reported to Wells Fargo. Wells Fargo returned the bill pay check to me stating it was made to the wrong company and I received a late fee from XXXX, I called Wells Fargo to resolve issue and they said I set up account to pay wrong payee. Wells Fargo system does not allow you to change name of payee after original set up. So I went into set up another recurring payment to XXXX manually and the system automatically converted it to XXXX XXXX XXXX XXXX instead of XXXX XXXX.
Consumer complaint received 2019-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Recovery Systems, Ltd (FL)

I tried to verify any debt I may have had with XXXX XXXX XXXX by calling the company, which is listed as original debtor. XXXX XXXX XXXX told me on the phone that they have never had a debt listed in my name. I tried calling NATIONWIDE RECOVERY SYS. They could not provide me with an original signed document I have with the original debtor. I dont know why its listed on my credit report severally damaging my credit score. I am a XXXX Veteran who suffers from XXXX and living on a fixed income. I'm deeply concerned that this erroneous debt listed in collections on my credit is hindering my future financial or even employment opportunities. I've never owed either company money.
Consumer complaint received 2019-09-07
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. (AL)

After contacting Experian, XXXX, & XXXX  twice within the past year advising them I was a victim of fraud and the information reporting to my credit was inaccurate. I sent them a list of the accounts in question and did not get a probable response.
Consumer complaint received 2021-12-07
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: Experian Information Solutions Inc. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS NOR HAVE I SIGNED MY SIGNATURE ON THEM. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES, PLEASE HAVE THESE FRAUDULENT ITEMS REMOVED FROM MY FILE AS A POSSIBLE.
Consumer complaint received 2020-12-14
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-08-17
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. (MS)

Hi I am submitting this 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  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-12
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: EQUIFAX, INC. (FL)

I have student loans with XXXX XXXX in which the POTUS has forgiven the loans. I have disputed the remaining loans on my credit report, but without any luck they remain there, on all 3 reports. When I look at financial aid website, they are not there so I know for sure they have been forgiven. I need this taken care of. I am a XXXX veteran, so as soon as I can get those abolished I can apply to get the rest them XXXX. I am currently trying to buy a house, but with XXXX in student loan debt on a fixed income, that is not going to happen anytime soon.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

I have a couple of store credit cards issued by XXXX XXXX and tried to pay them all off on XX/XX/XXXX, however, their website was down and they would not answer the phone system. I ended up sending the payment through my bank which took a few days longer. I should not owe interest on those days since it was not my fault their system was down and there was no way to pay my bill off. As of XX/XX/XXXX my bills should have been paid in full. The website shows my payment cleared by them on XX/XX/XXXX when my bill was due for XXXX. In an attempt to regain my interest, I contacted the store XXXX. They tried another customer service number which ultimately did not go through either. Eventually, I was able to log in to the website and send a message, however, the customer service message did not address my concerns and told me to contact them by phone. I tried to contact by phone again on XX/XX/XXXX, but the call would not go through. I have sent another message to get this new problem of a late fee addressed and the old problem of the interest addressed. It is unacceptable to charge people interest and late fees, but provide no way to contact them. This also applies to my other charge card under the store The XXXX also with Commenty bank.
Consumer complaint received 2021-12-07
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. (MD)

Trans union is reporting over XXXX fraudulent transactions Resulting from that identity theft. I have decided this Dispute this matter Several times every times.And also sent FTC report and requesting that all inquiries be delete it
Consumer complaint received 2020-12-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IL)

This debt was a result of identity theft police report and identity theft affvaidt was submitted ; company refused to discharge debt so went ahead and paid the balance to not have the account reported to bureaus. Received a paid in full letter then 2 weeks later received got another statement contacted company was advised that they would investigate and account would be closed instead the account was added and back dated on all 3 of my credit reports ; again contacted them providing all documents to support ID Theft and cancelled check ( proof of payment ) again received an investigation letter and less than a month later another statement. I believe that the company is ignoring the supporting documents and keep verifying to credit bureaus invalidly.
Consumer complaint received 2019-08-28
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 (MI)

My name is XXXX XXXX. On XX/XX/2019 i had made a purchase for {$530.00} for a pair of XXXX brand sneakers. The sneakers are the XXXX XXXX ( XXXX ) i had paid {$500.00} plus {$30.00} for shipping, i think the other {$7.00} were service or exchange charge. 

I was told the item would ship from the United States and were 100 % authentic, obviously i made this purchase with my credit card that had a {$0.00} balance since i paid off my card and i knew i would be safe. The transaction happened on XXXX which is a XXXX like site for the XXXX community outside of the USA but they tend to have rare shoes and items at times. 

I had placed the order and eventually i received the item 9 days later on XX/XX/2019. The item came directly from XXXX, i could not make out the return address or any other info as it was in XXXX other than for my name and address. I opened the package to see a pair of used XXXX brand basketball shoes. The shoes are red, white, and blue and were clearly worn. I immediately contacted Walmart Synchrony Bank to file a dispute. Keep in mind, i had called the same day to file the dispute. 

I tried contacting the merchant, no response, nothing. I messaged on the website multiple times a day everyday for weeks. XXXX themselves have a chat service but they could not help me, they said i had to speak to the seller then file a dispute which i did with them but they never refunded my money. I spoke to Walmart Synchrony Bank and they told me not to worry and that i will be taken care of. I have forwarded pictures of what i received and they have sent me many letters demanding information which i have faxed over 10+ times. They have closed and opened the case many times and have not helped or protected me. 

They asked me if i returned the item which many times i have responded to as NO! i did not! because i do not know any information on the seller, no one has given me a name and address, the item came from XXXX. I have ZERO information from the seller or where to send any product SO how can i return something i did NOT order to somewhere or someone i have ZERO information about??? 

I am at a loss at how a company would not help protect me when i have a proven track record, have had this card for 5+ years, always paid my bill without issue yet they will not refund my money for this clear as day scam. They can not even contact the company and credit my account, they owe me money as i have been making payments on this balance and they are screwing up my account. 

Please refund my money for this transaction, i received an item i did NOT order/
Consumer complaint received 2021-10-10
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: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report from the credit bureaus. Unfortunately, I saw that you have recently begun to report me 90 days late on this account. what is not belong to me. 

Also, I saw some collection that was on there. It says that I owe you guys a lot of money but, I dont know what its for. My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.
Consumer complaint received 2020-06-03
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: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  are reporting incorrectly tha I am ( 90 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.