davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CO)

PayPal Synchrony Credit MasterCard closed my account on XX/XX/XXXX without any notification or explanation. The balance was {$0.00}. It is assumed that that this bank closed the card due to continued complaints of disputed charge from XX/XX/22 from a scam vendor in XXXX in the amount of {$210.00} which has been brought to CFPB 's attention through multiple complaints.
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have been trying to resolve these issues with XXXX XXXX from XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, XXXX XXXX 's office rep also tried to send them a letter regarding this issue. XXXX did not correct the problem. 

XXXX financed a fraudulent loan with XXXX Financing which I came to be aware of after the Class Action Lawsuit was filed against XXXX. I was misled and was given wrong information about the XXXX employment to secure this loan. XXXX has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to resolve these issues with XXXX XXXX from XX/XX/XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, Mr XXXX 's office rep also tried to send them a letter regarding this issue. XXXX did not correct the problem. 

XXXX financed a fraudulent loan with XXXX Financing which I came to be aware of after the Class Action Lawsuit was filed against XXXX. I was misled and was given wrong information about the XXXX employment to secure this loan. XXXX has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled
Consumer complaint received 2018-05-01
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. (TN)

Equifax was contacted on XX/XX/XXXX requesting for the company to remove unauthorized inquiries from my credit file. In reciprocation, Equifax mailed me a letter demanding that I send a letter of deletion to the companies that had pulled my credit. I have contacted these companies requesting them to remove these hard inquiries and most of them didn't response. Equifax refuses to provide what method of verication was used to verify this information. Sending a letter stating that the company investigated my dispute and found the information to be reporting correctly is unacceptable. I'm requesting that CFPB to investigate this dispute with Equifax and make sure my information is reporting correctly. Please send any authorization documents bearing my signature that gave these companies the right to view my credit file. I have place identity fraud alert on my credit file because of this matter.
Consumer complaint received 2019-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

MyhusbandandIwereintheprocessofmovingtoanotherstateduetoacareerchange.IntheprocessofmovingIopenedacreditcardaccountwithCapitalOne.Thecardcameinthemailbutwasnotabletobeactivated.IcalledCapitalOneinXXXXof2018andwasadvisedthatafraudflagwasraisedontheirendduetomismatchingdataconcerningaddresses.Ithankedthemfortheirdiligenceinwatchingoutforfraudstersandletthemknowmyaddressisunique(Iamlivinginahotelwhere2ofthefloorswereconvertedintoapartments),soperhapsthiswasaddingtotheconfusion.Ialsochangedrooms/apartmentsinsidethehotelwithinthepastfewmonths.

Iwentaheadandexplainedmysituationtotheservicerepandwasaskedtosendinacopyofmysocialsecuritycard,stateIDandproofofresidencysotheycouldgettheflagremoved.Isenttheseinandwaitedforthemtocontactme.Iwaitedandwaited...andwaitedsomemore.Iwasnevercontactedbythem.Iactuallyforgotaboutituntilmyhusbandeventuallyfinishedmovingandjoinedme,approximately6monthsaftertheinitialactivationconversationhadbeenhadwithCapitalOne.

MyhusbandaskedmeaboutthecardandsoIcalledCapitalOneback.Iwasadvisedtheyhadneverreceivedmydataandremindedmeagainthatthecardwasflaggedforsuspectedfraud.IexplainedIhadfollowedthestepstheyhadlaidoutformethelasttimewespokeandexpressedmyconcernthattheyhadnotonlylostmypersonalinformation,buttheyhadnotfollowedupwithmeregardingmycard.Theydidnotapologize.

AtthispointIdecidedIwasnothappywithCapitalOne'slackofcustomerserviceandfollowthrough.Iaskedthereptoclosemyaccount.Hedeclinedandactuallystartedtogetanastyattitude.Ifeltalmostlikehedidn'tbelievemethatIwastellingthetruth.Thiswasveryunprofessional.Hetoldmehecouldn'tclosemyaccountbecauseIcouldn'tprovethatIwaswhoIsaidIwas.IremindedhimagainthatIhadsentmyproofdocumentsastheyhadrequested.BythispointIwasquitefrustratedandoptedtoendthecall.

Icalledbackafewweekslaterwithmyhusbandtotryandclosetheaccountagain.IspokewithadifferentrepwhoaskedthatIresendmydocuments.Iwentaheadandresentthem.Theyranabackgroundcheckandcontactedmymomwithoutmypermission.MymomcalledmeandtoldmethatCapitalOnecalledandassertedtheywerecallingbecausethereisfraudonmycard.

AtthispointIfeelthatCapitalOneisnotlisteningtomeandareprejudicedintheirbeliefthatIamsomehowcommittingfraud(orattemptingtocommitfraud).Mycardhasazerobalanceandisnegativelyaffectingmycredit.AtthispointIjustwanttheaccountclosed.Anyassistancewouldbeappreciated.
Consumer complaint received 2019-07-06
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. (CA)

Experian failed to investigate the accounts in my last dispute. They have done little to provide any evidence to support their verification. The burden of proof is not on the consumer. Experian has not provided a method of verification and has simply ignored my dispute and asked me to contact the creditor directly. I have in fact, on several occasions, contacted each creditor regarding my disputes and have not received a response or have received very little information that does not support the inaccurate reportings. 

This willful non-compliance is unacceptable and these disputes need to be treated with detailed attention. The XXXX XXXX verification method is not adequate. These listings need to be manually reviewed and either updated or removed. Both Experian and the creditor fail to prove or provide substantial or convincing evidence to support their inadequate reportings. If someone manually reviewed these disputes rather than depend on software to match stored data, these listings would have been removed or updated properly after my very first dispute.
Consumer complaint received 2019-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Service Bureau, Inc. (NE)

This Consumer Financial Protection Bureau ( CFPB ) complaint will be tendered as evidence that General Service Bureau Inc., of XXXX Nebraska has left me no choice but to begin a litigation process against them regarding a debt I do not owe and formally notified them of such. On XX/XX/2018, I sent a " formal ' letter of notification to General Service Bureau Inc., by " certified return receipt '' mail receipt # : XXXX XXXX XXXX XXXX XXXX. I have attached to this complaint a " copy '' of the notification letter and the U.S. Postal Service receipt showing the letter was delivered ( and signed for ) on XX/XX/2018 at XXXX XXXX. Still General Service Bureau Inc., refuses to acknowledge my rights under the FDCPA and cease contact with me after sending a " written '' demand to do so. I followed FDCPA protocol andI sent a  cease contact letter explaining to them federal violations if they continue engaging in federal violations regarding debt collection under the FDCPA. By continuing to contact me ( about a debt I do not owe ) shows a blatant disregard for federal law. Furthermore, my sole income is Social Security income which is federally protected income under the Social Security Act law. I am head of household and have no property of value. I am " judgment proof '' by law. In the XX/XX/2018 letter I made it clear that I will file formal complaints with the Nebraska Attorney Consumer Protection Division and the Nebraska Secretary of States Office that govern 's " debt collection '' license. If General Service Bureau Inc., continues to " harass '' me after I've made my position known in this matter, I will sue them. I am collecting evidentiary documentation in an effort to pursue this matter legally. I appreciate CFPB providing this venue as a form of viable documentation that I can share with the Nebraska Consumer Protection Division and the Nebraska Secretary of States Office. I will hold General Service Bureau Inc., accountable for their action regarding the harassment I'm suffering at their harassment techniques. I will demand a review and sanction of their debt collection license and request a investigation in their operational practices that harms the general public. Thank you for all the CFPB does for consumer 's in keeping us safe and vested in your mission. It is greatly appreciated!
Consumer complaint received 2019-07-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (FL)

RE : Your Reference Number XXXX I requested the following information from the collection agency regarding the alleged debt : name and address of the original creditor, a copy of the original signed contract, and a complete accounting / statement of payments with interest and fees associated with this debt. To date I have not received a response.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

I have paid without fail, more than the minimum payment to XXXX/Comenity bank every 2 weeks since XXXX 2019. I purchased less than {$2000.00} and was under the impression that I had paid off the account by what I saw on the XXXX customer portal. However, I started receiving collection calls and was told that I owed {$1200.00} and was being assessed late fees. I got onto the XXXX account portal and it says that I owe {$50.00} ... I challenged the person on the line and he got 2 different levels of managers who then said I owed {$1600.00} plus late fees and other fees. I pulled up my bank account and it shows that I have paid {$1500.00} to XXXX. I got onto the Comenity site and pulled down all of my statements they show all kinds of huge interest fees and late fees.
Consumer complaint received 2019-07-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (IN)

Wells Fargo lied about permitting international wire transfers -- the account would need to be open for 6 months so that is worthless in my situation. 

In addition, Wells Fargo illegally reopened an account I closed due to fraud years ago, without providing me with any of it's former information, taking {$500.00} of my XXXX income to fund it, and having the gall to attach a hacked old XXXX account to it that I have not been able to access for years. 

A lying XXXX I recorded named XXXX XXXX even had the nerve to claim the money would be refunded and account closed -- while refusing to provide any confirmation of such action. 

Her colleague confirmed during my next call that she was lying and claimed they need to " investigate my allegations that they reopened an account illegally when I applied for a new one, which could take 3 weeks ''. 

I have multiple recordings of their NEVERENDING XXXX during our last calls and need to the money immediately refunded electronically and account closed due to the initial fraud.
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I have contacted the FTC and my local police. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX. inquiries : XXXX, XXXX ' FCU, XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-06
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (GA)

XXXX ( XXXX ) & XXXX XXXX XXXX Please see attachments. We have contacted the toll free number twice ... once on XX/XX/XXXX and again on XX/XX/XXXX. At issue is a {$6.00} credit that had accumulated as of the XX/XX/XXXX statement {$6.00}. Called XXXX ( an unidentified male took the call. ) He said that he would apply BOTH the {$6.00} and the ( then due ) {$5.00} credit. This was NOT done so I called back on XX/XX/XXXX and spoke with XXXX who assured me that the credit ( {$6.00} ) would be issued RIGHT AWAY before the next statement closed. When there was no credit to our account I elected to go this route and have the CFPB contact the company. Attachments are demonstrative of the sequence of events. XX/XX/XXXX Statement, XX/XX/XXXX Statement and the XX/XX/XXXX Statement as well as, screenshots of the two calls I ( XXXX XXXX ) made to the toll free numbers.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

Hello, I had XXXX point in XXXX. 
Yesterday my point disappeared into the # XXXX I have no car I make all payments there is no reason that XXXX points can magically disappear. 
Im moving into an apartment I save up points for. Now Im learning that my points are missing and not XXXX point or XXXX but XXXX points in a month are gone. 
What happened? 

I have been calling to fix this XXXX sees also that this raised a red flag because its impossible that I have no score when I have a score so I need to do all I can to fix this.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Adjusters, LLC (TX)

In XX/XX/2023, I paid off the account I had with XXXX XXXX, which was now housed with National Credit Adjuster. The Balance was updated on XX/XX/2023 but still shows I have them as as open item in collections in all 3 bureaus. I need it updated that I DO NOT have them in Collections anymore. I have paid them.
Consumer complaint received 2019-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

I have had a bank account with wells fargo since 2006 and in the last year there has been an issue with the account I had with my husband. When I went to the bank to resolve issues with consistant problems of money coming out of our account through XXXX and other services it seem to not be an issue at all until I disputed a XXXX payment at one time that resulted in almost {$300.00} going missing from the account. After getting no help from them and fighting to get it resolved they quickly got nasty and closed our accounts. I argued that we have had no resolution to stop the claims other than being told to file claims online or call the claims department to resolve them but yet we got told there was an excessive amount of claims filed on the account and its our fault. Since they did not help us in anyway to resolve the matter I feel that our accounts were wrongfully closed.
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I have contacted the FTC and my local police. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX, XXXX. inquiries : XXXX, XXXX ' XXXX, XXXX, XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-07-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Recovery Solutions Group, LLC (NM)

XX/XX/XXXX XXXX Got an email from XXXX XXXX about having a personal asset investigation on me for debt owed of {$18000.00}. He indicated that he has tried to contact me but this is the first time i received an email. I have never received anything in the mail from this debt collector. I asked what the debt was about and he will not let me know anything about this debt. He says i have to call. In his initial email he threatens, " My investigators will attempt to locate anything of value that can be auctioned off at Sheriffs Sale or levied through the courts once my client obtains judgement ( Property, Tangible Assets and Bank Accounts ). '' I did respond to him requesting what the debt is and he again refuses to attach any information. I told him to send me something in writing. I do not want to call because then i have no transcript of the situation. Why was there not an attachment of debt to the account to begin with? Why is this company doing an asset investigation on me? For what? i do not understand what this is or what is going on.
Consumer complaint received 2019-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I opened this account in XX/XX/2019 and have deposited the same dollar amount in checks every two weeks and I am consistently having funds held from my account. When I called to find out why they can not give me a reason. I have been to a branch twice to have the funds released and they continue to do it. I have never had an overdrawn check or a low balance in my account. I have threatened to close the account and go to a different bank and that doesnt work either
Consumer complaint received 2019-07-06
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. (FL)

In XX/XX/XXXX my purse was stolen while sitting at a restaurant/lounge. A couple weeks later their were credit card accounts, utility bills, and loans in my name I never applied for which I've disputed. In XX/XX/XXXX someone filed taxes in my name as well. I filed a police report and sent it to the IRS but never received it back.
Consumer complaint received 2019-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION (CA)

I received a debt collection notice dated XX/XX/2019, from XXXX ( XXXX XXXX XXXX, XXXX, OH, XXXX ) for the amount of {$900.00}. 

This is for a medical debt from a nearby hospital who ignored my calls to dispute the fact that I was double charged for services. 

I did not receive the debt collection notice until after XX/XX/2019. 

I have made efforts to pay the debt online however the website is inaccessible : it has numerous error pages when trying to login, seems very insecure with provided " usernames '' written on the notice - and passwords that are way too simple, and overall the website is not user-friendly. I did manage to make an account however after trying to make a payment, I get an error. A week later I tried logging in to the website again which gave me an error. 

I have tried calling CBCS at their provided number, XXXX, but I am always met with a difficult to hear voicemail after waiting on hold for several minutes. I do not understand what is being said on the voicemail. 

My complaints include : * I was not given time to dispute the debt because I did not receive the notice until after 30 days * I am unable to even pay the debt online or over the phone
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX : XXXX XXXX ) XXXX
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX ( Original Creditor : 11 XXXX  ) 142
Consumer complaint received 2019-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (CA)

I have been trying to resolve these issues with Exeter Finance from XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, Mr XXXX 's office rep also tried to send them a letter regarding this issue. Exeter did not correct the problem. 

Exeter financed a fraudulent loan with XXXX XXXX which I came to be aware of after the Class Action Lawsuit was filed against Exeter. I was misled and was given wrong information about the XXXX employment to secure this loan. Exeter has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled