davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I have tried multiple times to have my Experian account updated correctly. I have sent multiple dispute letters, and have yet to receive a response and/or correction to my accounts. Experian has been unable to validate accounts and is erroneously reporting negative information. The following information can not be validated and should be removed : XXXX XXXX, XXXX XXXX  & XXXX, XXXX XXXX XXXX
Consumer complaint received 2020-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (IA)

On XX/XX/2020 I tried to withdrawal {$600.00} from the card that I have through American Express Serve. The ATM said, please take your cash, but did not dispense the cash and said : We are sorry, we are unable to process your transaction, your request has been declined. I contacted American Express Serve right after that happen approximately XXXX. I filled out a dispute form the following date XX/XX/20. They are advising that they can do a provisional credit within 10 days but could take up to 45 days for the investigation. XX/XX/XXXX would be 10 days, however now when I contact them, they are stating it is 10 business day and I am not guaranteed a provisional credit, and it could be denied up to the 45 days. I advised them that Federal Regulations state I have to be given a provisional credit within 10 days, but could take up to 45 days for the investigation to be complete. They are advising me that there is nothing more that I can do. I found out on XX/XX/20 they have not even started the investigation, but she will go ahead and start that at this time. I dont understand and need help.
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KY)

On XX/XX/XXXX, I sent a letter to Equifax asking them to remove an incorrect address from my Equifax credit report. I received a reply dated XX/XX/XXXX, stating that they would remove the wrong address. ( Page 3 of the reply from Equifax states that the disputed address has been deleted. ) I checked my Equifax report again on XX/XX/XXXX, and the wrong address still showed up in my file. I wrote a letter to them on that date but never received a reply. I checked my Equifax credit report again on XX/XX/XXXX, and the incorrect address is still listed.
Consumer complaint received 2023-04-09
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: Experian Information Solutions Inc. (CA)

My main issue is that Experian continues to discredit me with my credit score sometimes 70 to 80 points less than the other two reporting credit bureaus. I had four family members and two friends for all three credit reports Experian was low on every one of them by at least 30 points sum by XXXX points. When I have contacted them and ask them why they want me to pay to get my information. It feels like a complete scam. They never can give me information all they say is not all credit agencies report the same way. This is illegal and this messes with my financials. It is a scam and I want it resolved immediately! Please help me Ive even asked for my free credit report several times and have not received anything. This company is absolutely unwilling to help or do anything. I just received notice from XXXX XXXX and XXXX last week and my score went up to XXXX and XXXX. I received information from Experian today that my credit score dropped almost XXXX points. I just paid off balances and I dont understand why that even happened. I want and need answers and now that Ive had other people involved theyre probably going to send you complaints as well.
Consumer complaint received 2024-05-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL (MD)

My account was hacked om or about XX/XX/year>. The bank kept putting road blocks on my acount preventing me from with drawing any funds. They even required me to return to XXXX so that i could log in on my desk top. They refused to allow me to use my laptop to log in. Once in XXXX they again refused to help saying they could not give me a code because i have VOIP. So they ha to mail me a code. I received the code i attempted to transfer money from my account. They canceled the transfers as i attempted to transfer money and then requested to close the account and transfer the balance of my money. A ; ; transfer were canceled the next by the bank as i attempted to make to with draws in two days. Iit has been a month and i still dp not have any of my money. The bank was hacked but they treat me as the criminal ..PLEASE HELP
Consumer complaint received 2019-10-09
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. (CT)

We learned on XXXX XXXX, 2019 that Experian mixed the bankruptcy case of an online company withour company 's credit information and this mixup shows up on our company 's credit report at Experian. We finally got through to Experian after over 5 hrs. of trying to contact them on XXXX XXXX only to learn that we had to email them the complaint info to start the complaint procedure. We filed it on XXXX XXXX, 2019 and received an email acknowledging our complaint later in the day and that it would take a maximum of 4 - 6 weeks to complete and we will receive a letter when they are done with our complaint telling us what they decided and what was done. Yesterday we received an email from Experian stating that the complaint has a no. and has not been assigned to anyone yet and that we won't receive any more emails from them. In order to get updates, we would need to set up an account with Experian. This has all been done. I also have Sen. XXXX XXXX and Rep. XXXX XXXX 's offices working to rectify this problem. At this time we at my company have 17 hrs. into trying to rectify this problem. Experian has not said anything on how they intend to repair our credit after the issue is fixed since it is still on our account until they fix their mistake.
Consumer complaint received 2019-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (KY)

I didn't owe that when I closed my account with XXXX. I was told when I closed my account my balance was clear due to complaints about XXXX. I didn't have the service that was in my contract and I closed my insurance because they never helped me with anything. That is why I closed my account and went to another carrier. They kept calling and I kept telling them, they would tell me I would not get another call but, again over and over I would. Then they sent it to collections which I am very upset regarding that. I have been paying my bills to get my credit in good standings and they lied. I want it off my report now.
Consumer complaint received 2020-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX 30 DAY LATE FOR XX/XX/2019. ASK THE COMPANY TO SHOW PROFF, THEY HAVE FAILED TO ACKNOWLEDGE AND SHOW PROFF IN VIOLATION OF CREDIT REPORTING ACT
Consumer complaint received 2020-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (NJ)

I RECEIVED AN ALERT FROM MY CREDIT REPORT THAT THERE WAS A NEW COLLECTION ACCOUNT POSTED TO MY CREDIT REPORT. I LOGGED ON AND DISPUTED IMMEDIATELY WITH THE CREDIT REPORTING AGENCY AND NOW I AM FILING A COMPLAINT. THIS ACCOUNT I DID NOT AUTHORIZE NOR DID I KNOW ANYTHING ABOUT IT. I WANT THIS COLLECTION ACCOUNT REMOVED FROM ALL THREE CREDIT BUREAUS AS FRAUD. I HAVE ALSO FILLED OUT AN FTC AFFIDAVIT AND POLICE REPORT AS FRAUD
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (SC)

Please be advised that at this time XXXX and XXXX XXXX have retained a third party debt mitigation company to help us and see if a bankruptcy filing can be avoided. Accordingly, we hereby submit a cease and desist from all creditors, and suggest that all correspondence and/or debt settlements be submitted by email to the following email address : XXXX. 
We will negotiate each creditor on a one on one basis, and hope that all creditors either submit negotiated settlements directly, or through their third party debt collection agency or debt buyer. 
We submit the matter through the Consumer Financial Protection Bureau as a paper trail showing our due diligence in working ourselves out of debts without bankruptcy.
Consumer complaint received 2019-06-11
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: DISCOVER BANK (CA)

DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX CREDIT CARD ACCOUNT WAS OPENED ON FRAUD, I HAVE ALREADY SENT DOCUMENTS TO CREDIT AGENCIES XXXX, XXXX AND XXXX, THEY HAVE CONFIRMED DISCOVER HAS RECEIVED THE DOCUMENTS AND CONCLUDED ACCOUNT IS CLOSED. YET I AM RECEIVING CALLS FROM DISCOVER ABOUT INVESTIGATION, PLEASE CLOSE THE FRAUD ACCOUNT THIS WAS OPENED BY MY ROOMMATE " XXXX XXXX ''
Consumer complaint received 2020-09-16
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. (TX)

Experian and XXXX  have not sent me validation of the account on my credit report XXXX XXXX XXXX XXXX. XXXX  has deleted the account from my credit report because they did not receive validation of the account. i have not received any validation from Experian or XXXX  they just keep updating my account. i am requesting account validation that this account is mine and if they can not provide account validation per FCRA i am requesting this account be deleted from my credit reports.On XX/XX/2020 i sent out a letter requesting validation my response was the account was updated. The date opened is inconsistent on my XXXX  and Experian Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. The Date of last activity is inconsistent on my XXXX  and Experian Credit report. If all three bureaus receive the same information from the creditor there should be no inconstancies in my reports. XXXX  could not verify this account and removed it from my credit report. I have attached proof of these inaccuracies and the letter i sent out on XX/XX/2020 asking for account verification
Consumer complaint received 2019-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Since XX/XX/2012, Asset Acceptance LLC has try to collect a debt that I don't recognize. I thought that this issue was closed. Now I am receiving correspondence that this collecting agency wants to garnish my wages putting a judgment in the courts. I was not aware that this issue was still open because the company keeps sending garnishments to companies at places that I never work for or companies that I stop working for a long time ago. I want to put a formal claim on this company. I have call trying to get documentation that proof that this debt belongs to me and they have continue to harass me and refuse to send me any documentation that connects me with the debt. The case they file with the XXXX County courts is another form of harassment. This company should be out of business and not allowed to disrupt peoples lives.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

See Attached Documents I have been montoring my credit reports due to multiple incedents of my information being included in several data breaches and my identity compromised over the last 4 years the last one being XXXX and I have found many many inaccuracies added to my credit report and I have attempted to fix these issues through the dispute process and to no avail Experian has not investigated my request or fix the inaccuracies I am requesting the CFPB to step in and demand these inaccuracies to be corrected immediately!
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Other — 
Company: BBVA FINANCIAL CORPORATION (NY)

BBVA Compass froze my BBVA Compass XXXX XXXX XXXX credit card account in XXXX XXXX and closed it a few weeks later. I had a - {$500.00} ( a negative balance ) on my BBVA Compass XXXX XXXX XXXX credit card account that I tried a few times to request a balance refund check for that amount, but customer service never managed to process the check because they explained to me that my account is now in a special department, and they need to process and approve issuance of the check. I could never contact the mysterious special department and was not issued a balance refund check. So the negative balance was sitting in my account for a while, until XXXX XXXX, XXXX when a mysterious charge posted to my account for the exact amount of {$500.00}, making the balance of my account {$0.00} and essentially seizing all the money that belonged to me. I contacted BBVA Compass several times inquiring about the transaction and nobody could explain to me why a transaction posted to my account in XXXX XXXX, XXXX, and whether and when they are going to send me a balance refund check for the negative {$500.00} I had in my account. I have attached a statement for XXXX XXXX, XXXX XXXX, XXXX period which shows there was a negative {$500.00} balance on my account ( meaning the bank owing me that amount ). I have also attached summary of details of transaction that posted to my account in XXXX XXXX, XXXX seizing the negative balance from my account. 
I demand BBVA Compass to send me balance refund check for {$500.00} which is the amount they owe me because of the negative balance on my credit card.
Consumer complaint received 2019-08-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CFM Group LLC (VA)

To Whom It May Concern : I am a Business Owner for XXXX XXXX XXXX XXXX XXXX XXXX, I used XXXX XXXX XXXX for my Merchant Service ( Credit Card Processing ), for years. I became dissatisfied due to the company always deducting fees from my Bank Account that were not specified in the Original Agreement. On XX/XX/2018 I closed the account and was told there would be no additional charges to my account as long as I returned their equipment within 10 days which I did. I never heard from the company again, until last week. A Collection Agency contact me and said that I owed for the equipment {$1300.00} and was very willing to make a {$800.00} settlement. The XXXX XXXX XXXX Company never notified me in any way to tell me that they did not receive the equipment. 

Unfortunately I do no keep shipping tracking receipts for 9 months. After a few month past I thought everything was settled It was shipped in plenty of time for them to receive it. 

One reason that quit doing business with this company is because they seemed to use shady tactics to collect more money from my account numerous times. When I would called they would quickly erase it.
Consumer complaint received 2019-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MA)

LITERALLY every time i try to file a credit report issue with Equifax they ask me security questions and when i answer them correctly they claim i need to call a 1 800 #. Im then connected to the XXXX and told i can give my complaint to them. ( They barely speak english. ) I ask who i can speak with in order to get back online. They tell me its not possible. This only happens when trying to dispute something. Any other time i use the website i get right through.
Consumer complaint received 2019-06-11
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)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2019-06-11
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: EQUIFAX, INC. (PA)

I have a bunch of inquiries I've never authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 3. XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 6. XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX All of these are on XXXX, Equifax, and XXXX and I didn't authorize them.
Consumer complaint received 2019-10-09
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. (GA)

I have filed fraud reports with identitytheft.gov as well as police reports about two auto loan accounts on my credit report with equifax which has not been resolved. I recently purchased a home and didn't know that the accounts were on my credit report all other major bureaus was successful except equifax. 

XXXX XXXX XXXX from XX/XX/XXXX stated that I have a balance of {$8900.00} which I disputed and they said it was a joint account but never said who the joint person was. 

XXXX XXXX XXXX from XX/XX/XXXX shows a balance of {$20000.00} which I disputed because I have no clue of this account as well. I have never purchased a new car and I always buy cars cash.
Consumer complaint received 2019-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP (CA)

This alleged debt this company says I owe has already been paid. It was paid in the form of ACH payment. Not only do I have the receipt shown payment was RECEIVED, but my receipt also shows payment was APPROVED. I took care of this debt on XX/XX/XXXX. I sent all 3 credit agencies proof that this debt was not only received but also APPROVED! This proof was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The amount that was approved as paid was {$990.00}. I have my receipt saying to print this page for my records. My receipt shows the amount paid, invoice number, Ref number, and Auth Code. There has not been any correspondence between XX/XX/XXXX until present that stated payment was not approved or came back. I would like this removed from my credit report immediately. The company 's name is Kimball Tirey & St John and I forwarded my proof to all 3 credit bureaus. Thank you so much for your time.
Consumer complaint received 2019-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (NY)

I had a student load with ACS/Conduent from XXXX until I consolidated my loan in XXXX. They are reporting on all three credit reports that I was 60 days late on payment XXXX of XXXX. I was in a loan forbearance while in college, and I graduated XX/XX/XXXX. I am not able to access my account on their website anymore, I get a message that I no longer am a customer, which is true, as I consolidated last year. I have no access to my previous forbearance paperwork, which was completed online. I do have proof via email, from ACS that my forbearance was granted in XX/XX/XXXX and ended XX/XX/XXXX ; therefore, they reported me for being 60 days late in XX/XX/XXXX ; when the loan was in forbearance. This has ruined my credit and I need this removed from my credit reports. During that time in XXXX, ACS was bought out by Conduent, which it is now, so I think they messed something up with my forbearance during their change of companies.
Consumer complaint received 2016-06-22
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Bizcorp, LLC (MD)

Someone continuously calls my home and family members about a bogus payday loan. They are threatening me with sapena and legal threats. In XX/XX/XXXX or XX/XX/XXXX I did take out a payday loan but I do n't remember the name of the payday loan that I used. The people who called me lead me to believe that they were representing the payday loan that I supposedly used. I asked them to send me documentation stating in writing that I owe them money. They said they would send me an email pertaining to the outstanding payday loan.Due to the scare tactic of them threatening to come to my job and constantly calling my family and me numerous times. I set up a payment arrangement. As I was giving them my information they said they can only take credit cards or debit card prepayments. And so I agreed but once I got off the phone with these scammers I looked up their company name that they gave to me over the phone and the internet revealed that the company is not to be trusted. They are scammers. I have 4 prepayments set up starting on XX/XX/XXXX. I am unable to cancel the payment arrangements and /or prevent them from using my debit card or personal information.
Consumer complaint received 2019-06-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CO)

After being told that my number was being taken out of the system at XXXX on XX/XX/2019 I got another phone call that no one talked on the message for minutes and I was told last week that I would not be getting any more calls after being hit by a drunk driver and this is the way Bayview operates. They continue with the harssment.