davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-23
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. (CA)

Once again, these inquiries were never mine neither did I authorized anyone to inquire these in my behalf. I previously disputed these inquiries through written letters as well as submitting CFPB complaint regarding these matters. I thought that these inquiries were already removed since I have been sending dispute letters to remove these, but I was proven wrong. How many letters do it takes to remove these inquiries from my Credit File and have the Credit Bureaus attention regarding these matter? I am frustrated to see that the Credit Bureaus ignored my letters as well as did not comply with the FCRA section 605b. Right now, I am submitting this complaint to protect my rights which is violated by the Credit Bureaus. I need the following inquiries deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2018-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bridgecrest Acceptance Corporation (FL)

Bridgecrest is reporting falsely every month on my XXXX  Credit Report. This account was closed due to a lemon vehicle that they sold me that did not work properly in 2009. It broke down on me several times within the years I had it. I filed many complaints with the company. Finally the transmission blew, I towed the car to them, and they refused to help other than to trade in for a another car with them. The transmission cost more than the car was worth. They sold the vehicle at auction {$2900.00}, then asked to negotiate for $ XXXX  years later after they had already ruined my credit. This account is closed, reappeared again, and every time I dispute it they Update the status with the current date. It was removed then popped up again! They started to report it every month as " failed to pay '' since my disputes. I humbly asked them to remove it since its passed over 6 years and its going to drop from my report, but they keep saying they will not. This vehicle never worked properly and was a hazard to my safety. It was a XXXX XXXX with constant problems and parts needed replacing all the time. They acknowledged this as every time there was an issue I called them. This account should be dropping soon and their reps threatened me that now it may stay on my credit for 10 years not 7? They stated the only ones that can remove it is XXXX   and to call them instead. Yet XXXX stated they are posting what Bridgecrest is reporting to them.
Consumer complaint received 2022-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2021 XXXX unauthorized transactions were made using my account data at a gas station. When I saw the charges, I immediately called WELLS FARGO and the person I spoke to agreed that the charges ( totaling {$150.00} ) were suspicious since we were in a different city at the time of the unauthorized transactions, and because the amount of gas purchased was abnormal. I received a provisional credit of {$150.00} and considered the issue resolved. 
XXXX months later, I received a letter from WELLS FARGO informing me that the credit was being REVERSED. I was told that I needed to PROVE that I did not make the transactions in question in order to receive the credit. I was shocked at this response. 
I called the gas station listed next to the fraudulent charges, and XXXX, the XXXX of the XXXX XXXX was able to determine that the XXXX transactions in question were made using XXXX DIFFERENT PUMS, XXXX MINUTES APART. She agreed with me that my account information must have been used fraudulently and said it would be PHYSICALLY IMPOSSIBLE for me to pump the amount of gas from those purchases in my car. Also, after learning the time and day the gas transactions were made, I reasoned that it would make no sense for me to have driven to a different city to pump gas when the shopping center I was in that day, and where I made purchases that day, had an identical gas station. 
I contacted WELLS FARGO with this information, reiterating that those gas station purchases were NOT mine. The final response from WELLS FARGO was that I had no recourse in my claim because the transactions were a chip card read, which, they said, proved that I made the gas station purchases.
Consumer complaint received 2018-05-09
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. (HI)

On XX/XX/XXXX and XX/XX/XXXX - 2 separate payments were made from my bank account to my XXXX XXXX credit card account. I have been an account holder since XXXX and have never been late on payments. I had automatic payments set up for {$100.00} per month to come out on XX/XX/XXXX, but due to the recent decision to purchase a house I wanted to pay off my balance in full on XX/XX/XXXX - I submitted another transaction to pay off the total amount. I received payment confirmation and logged back into my account on XXXX 's website 2 days later - I saw that my payment was made and the balance was at {$0.00} - I actually had a {$100.00} credit on my account. I received my XX/XX/XXXX statement in the mail which also reflected the payments, showing I had a {$100.00} credit on my account. On XX/XX/XXXX, I received a notice in the mail from XXXX stating that my credit card was 30 days past due and my credit limit was being reduced. I was extremely confused and called XXXX, they stated to submit information to them in writing - which I did and I received a letter in the mail that stated the previously reported information was correct and to submit a dispute to the bureaus to dispute and they were unwilling to help me. I submitted information to all three bureaus and received confirmation from XXXX  and XXXX that the late payment was removed from my report - but did not hear back from Transunion, and when I reviewed my credit from XXXX ( a Transunion credit monitoring website ) it appears that the late payment is still being reported. I am looking to get this resolved - XXXX has provided unclear and conflicting information to me about my account and payment and I feel that I should not be penalized for this mistake.
Consumer complaint received 2023-03-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (NE)

Complaint Details During the pandemic, Freedom Mortgage offered a program forbearance. We applied for the program because my wife has her own business that closed temporarily due to the population she works with. This was a huge loss for us. When the Forbearance was completed we were told that we had to pay the entire amount of the forbearance back in XXXX lump sum. We were put into loss mitigation. Then we told we had to make payments on the XXXX  of every month for XXXX months to have the ability to pay on line, which we did. Freedom Mortgage sent out a new payment packet via XXXX XXXX and they put the package in our front door. We were never told it was sent. We do not use our front door and we didn't know it was there until we received a letter stating it was null and void because we didn't return it. I asked to have it sent again. I was told had to start over and fill out all of the paperwork for loss mitigation. After filling out all of the paperwork, we were told we were not in compliance with the submission of a completed loss mitigation packet despite doing so. I filled it out again and sent it. At the end of the time period we were then told that it was never submitted because it was incomplete. Upon filing it again we were always told a different story as to what was missing I then was told that it wasn't right and that they needed something else. I have been given a direct contact name that you can not reach. I have asked them to contact me directly by phone, they have not. I have called in many times to make payments and ask questions and have been told different things by their customer service. I am once again being asked to send in different documentation. I have all of the emails, paperwork saved.
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (MO)

Chase Slate sold my account to XXXX XXXX XXXX in 2019. Then they reported cancelled debt to the IRS. The are wrong to report it as cancelled as I settled the account with XXXX XXXX XXXX and not Chase. The amounts cancelled are listed as close to {$1900.00}. I settled the account for about {$1700.00}.
Consumer complaint received 2018-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

This is in regards to my account ending XXXX. For about 3 months now, Synchrony XXXX credit card has been incorrectly applying my monthly payments. They take the payment and apply it to the last month 's bill. Then they claim that I owe them for the same month -- that I owe them a second payment. I have chatted with them online. They always correct the problem and remove the late fee. But this keeps happening. I called them this time and tried to talk to their CSR to get this resolved. He just kept saying that the system said I owed it and therefore he was admit that I owed it. I need you to fix this problem... forever... long term... permanently. The way that they are doing this it is taking advantage of people like me. We pay our bill each month, albeit early in the month before the due date on the XX/XX/XXXX of each month. But because they have an inadequate system that can not recognize that a payment has been made for the current month and apply it to what will be due at the end of the month I have to repeatedly call in and tell them that the payment was not a duplicate -- that I am not late -- that I have already paid them once that month and not required to make two payments in each month. Up until now they have resolved this. This is absurd.
Consumer complaint received 2022-11-03
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

In accordance with the Fair Credit Reporting Act USAA SAVINGS BANK and XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-28
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: Capio Partners, LLC (MA)

On XX/XX/XXXX I got an alert from my credit score indicating that I had a new account open with a Derogatory Remark from ASSETCARE LLC for an unpaid collection of {$980.00}. I haven't received any communication from this company before in any way ( phone, mail or email ). Since I had no knowledge of any unpaid amounts, I reviewed my statements from my healthcare providers and insurance companies and confirmed that I didn't have any unpaid amounts with them. Days later, the name of the company in my credit report changed from ASSETCARE LLC to COLLECTION. I send a certified letter to the address listed on my credit report ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ) requesting supporting documentation for that debt. The current status of that letter is that it was " forwarded '' due to " forwarding instructions or because the address or ZIP Code on the label was incorrect '' ( the address was exactly the same as listed on the credit score report ). 
As a result of this Derogatory Remark, my credit score fell by +100 points. Given that the ASSETCARE LLC / COLLECTION is not responding to my mail, the fact that I have no knowledge of the source for this Derogatory Remark, the change in the company name in the credit score report, and the complete lack of communication from ASSETCARE LLC / COLLECTION before affecting my credit score, I request that they provide information supporting the Derogatory Remark and that they delete it from my credit score if they are not able to provide it.
Consumer complaint received 2018-05-08
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: EQUIFAX, INC. (PA)

On XX/XX/18 I discovered XXXX XXXX collections account had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 

I took care of this almost two years ago. It was deleted from all 3 bureaus. This is fraud.
Consumer complaint received 2018-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (CA)

SALLIE MAE reported to XXXX that I am 90 days past due on XX/XX/XXXX. This can not be true because I applied for a forbearance due to a hardship to cover me. It covered XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. For some odd reason, XX/XX/XXXXis past due. The forbearance should have covered me for XX/XX/XXXX. I filed a dispute online with XXXX on XX/XX/XXXX. On XX/XX/XXXX, the updated information doesn't show the 90 days past due information deleted from my credit report.
Consumer complaint received 2018-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (VA)

I do not owe this amount. Property they are trying to collect from I was not the owner or a resident at the time and I did not authorize these services. The company has yet to show me any documentation that shows I was a resident at this property at the time of collections.
Consumer complaint received 2018-05-08
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)

Miscellaneous information reporting by XXXX XXXX Bank. 

I spoke to several representatives at XXXX XXXX Bank and they stated they are not reporting any information, yet there is negative information reporting on my account. 

They stated they do not have any information expect from an account in XX/XX/XXXX. All representatives stated they are not reporting and no longer even have access to the old account. 

However, on my credit reports, a miscellaneous XX/XX/XXXX and XX/XX/XXXX show XXXX XXXX Bank XXXX reporting late on payments. 

I do not have an account with XXXX XXXX Bank XXXX and they admit I do not have an account with them but will not remove the inaccurate reporting. 

People I spoke with at XXXX XXXX Bank XXXX, XXXX ID # XXXX ; XXXX ID # XXXX ; XXXX ID # XXXX ; others refused to provide names or ID numbers. 

All XXXX XXXX Bank customer service representatives stated XXXX XXXX Bank XXXX is NOT reporting to the credit agencies, but refuse to address the issues where someone from XXXX XXXX Bank XXXX is clearing reporting incorrect information.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Once again, these inquiries were never mine neither did I authorized anyone to inquire these in my behalf. I previously disputed these inquiries through written letters as well as submitting CFPB complaint regarding these matters. I thought that these inquiries were already removed since I have been sending dispute letters to remove these, but I was proven wrong. How many letters do it takes to remove these inquiries from my Credit File and have the Credit Bureaus attention regarding these matter? I am frustrated to see that the Credit Bureaus ignored my letters as well as did not comply with the FCRA section 605b. Right now, I am submitting this complaint to protect my rights which is violated by the Credit Bureaus. I need the following inquiries deleted immediately : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-03-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (SC)

I don't have dates at the moment, but I have definitely had problems with Wells Fargo 's surprising overdraft fees. On numerous occasions. I've been with this bank for over 30 years now.
Consumer complaint received 2022-11-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Genesis credit management {$1300.00} My apartment complex I use to live at sold their debt to this company and they dont have a license to collect in the state of Texas which is unlawful.
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

Experian, XXXX and XXXX are ALL reporting false owed items. 

Dispute # 1 Company : XXXX XXXX account # XXXX opened XX/XX/XXXX. I have no recollection of this account being mine, also it should be dropped off of credit report being it's over 7 years old. 

Dispute # 2 Company : XXXX account # XXXX opened XX/XX/XXXX I was on time on this account not delinquent. 

Dispute # 3 Company : XXXX XXXX account # XXXX opened XX/XX/XXXX Account reported open and closed the same day. Over 7 years old please delete. 

Dispute # 4 Company : XXXX XXXX XXXX account # XXXX Never been late on this account. 

Dispute 5 XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX opened XX/XX/XXXX I was never late. 

Dispute # 6 account # XXXX, Company : US Department of Education opened XX/XX/XXXX No recollection of this account. 

Dispute # 7 account # XXXX, Company : Department of Education The amount reported is incorrect to what I truly owe, Dispute # 8 account # XXXX Company XXXX No open date to give payment status is incorrect. 

I want all past 7 year items removed ASAP also I have sent them ALL Certified letters..
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched USAA statement MC ending XXXX. ** I did Not Open this Account ** Secure data from this account was used to Open a Visa ending XXXX. UNAUTHORIZED TRANSACTIONS OCCURRED XX/XX/XXXX - XXXX XXXX see attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM claim date of XX/XX/XXXX {$470.00} UNAUTHORIZED.
Consumer complaint received 2018-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX, please remove any other variation of my name they are not accurate. I need the following addresses removed from my credit report they are not mine : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX