davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (SC)

I have been unable to redeem my credit card rewards earned through the Uber Rewards card. 

Barclays advised me that the problem was on the Uber end and they could not help me. 

Uber claims that they can't help me because I am not the primary account holder. I responded to this by proving that I am the account holder by sending evidence of my credit card statement. 

They are still refusing to honor the several XXXX XXXX  worth of rewards and have marked the issue as " closed '' and said that they will not be providing further help.
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (MD)

The company was given all pertinent information on this fraudulent account. I don't have account numbers as the account is not mine as I stated before. When I sent my letter I gave them all the information I had on this account. These tactics are used to put my information on this fraudulent account and continue to leave it on my credit report. My name and address were also included in my first complaint. If this item is not removed so that I can move and buy a home I will be left no other choice than to file legal action agains XXXX XXXXXXXX for fraud and Intention infliction of emotional distress ( IIED ) as well as other damages suffered as a result of these attacks on my personal credit, character and overall wellbeing. As I requested before I want these items removed from my credit report. I have already sent numerous letters and given my information I don't have any further information as this is all that is on my report ; the account isn't mine so I will never have the information they are looking for. They need to prove with wet ink signatures which they don't have as this is fraud and these accounts are not mine. We are beyond the request for information. Remove this account or I will be left no other choice but to pursue legal action. 


Previous complaint : I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 1. XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2.  XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2021-06-10
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: SLM CORPORATION (SC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2019-11-18
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. (UT)

XXXX XXXX is reporting a new collection to my credit that I never received information on. This is in violation of my 30 day right to dispute as I never got any notice and only saw the collection once I had my credit pulled.
Consumer complaint received 2024-03-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Albert Corporation (NC)

I have been trying to cancel my account with this company, and they have made it impossible. They continue to withdraw money from my account with the most recent withdrawals being XX/XX/XXXX for {$76.00} and XX/XX/XXXX {$67.00} XX/XX/XXXX XXXX they currently have {$180.00} withdrawals from my Checking account and Ive asked him yesterday through text message if they could please help me cancel my account. You can only reach them by text message and the response was a email thread showing me how to cancel it. The problem is you have to have a XXXX XXXX balance and when they continue to withdraw money from my account it is never never a XXXX XXXX balance because of all the money is always pending, I have money pending XX/XX/XXXX has still not processed just stuck in pending status. They also sent {$1.00} to a cash card for me to withdraw which is also impossible to withdraw so the money will stay locked and its preventing me from withdrawing because I dont have access to the cash card to withdraw and they made it impossible to withdraw it from my linking checking account. Please force this company to close my account and stop taking my money. I feel like I would have to close my entire checking account because they refuse to stop. This has been going on since XXXX charging bogus fees for a genius subscription so they can invest funds into services I did not ask for. This company is a scam based off offering a payday advance of {$50.00} to withdraw money by debiting unauthorized transactions out my account every other day. This Albert app needs to be closed down immediately
Consumer complaint received 2022-08-26
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX
Consumer complaint received 2020-07-28
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. (WI)

Experian CONTINUES TO DISREGARD MY COMPLAINTS! THEY HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1.  INACCURATE and 2. UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.
Consumer complaint received 2020-07-28
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. (FL)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX  XXXX
Consumer complaint received 2022-02-17
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: Bread Financial Holdings, Inc. (NJ)

XX/XX/XXXX letter was sent on my behalf by XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX. to Comenity Bank, XXXX XXXX XXXX, XXXX OH XXXX requesting a review of my credit history regarding a late payment in XX/XX/XXXX because of inadequate billing notification XX/XX/XXXX dated letter sent from Comenity Bank to XXXX XXXX XXXX and received on XX/XX/XXXX regarding XX/XX/XXXX letter sent on my behalf informing him " To address your concern, we have updated our records and have notified the credit reporting agencies of the changes that need to be made to the credit file. This change should be reflected on the credit file the next 45 days. '' " If you have any further questions, please contact Customer Care team at the address listed below. Comenity Bank, XXXX XXXX XXXX, XXXX Ohio XXXX. '' No one signed the letter. The letter closing was : Sincerely, Customer Care. There was no phone number on the letter. 

XX/XX/XXXX dated and certified letter sent by XXXX XXXX on my behalf to Comenity Bank, XXXX XXXX XXXX, XXXX XXXX requesting Comenity Bank provide copies of documents sent by them to credit reporting agencies as stated in Comenity 's XX/XX/XXXX letter for my records and possible follow-up. 

XX/XX/XXXX letter sent by Comenity Bank " Card Holder Services '', XXXX XXXX XXXX, XXXX Ohio XXXX to XXXX XXXX informing him his letter did provide enough information for them to locate my account information even though Comenity Bank 's letter dated XX/XX/XXXX indicated otherwise. Comenity Bank 's letter also requested that I forward my name, social security number, address, and phone number. Comenity Bank 's letter did not contain anyone 's name of phone number. 

XX/XX/XXXX, date of letter from Comenity Bank, Customer Care team addressed to XXXX XXXX and recieved on XX/XX/XXXX stating : " We can not locate the account. '' Even though I sent the information to them on XX/XX/XXXX. See above. 

XX/XX/XXXX, I, XXXX XXXX, sent Comenity Bank a certified letter to XXXX XXXX XXXX, XXXX, OH XXXX summarizing all letters and dates between Comenity Bank XXXX XXXX XXXX and me. In this letter I requested that someone call me to discuss my case and again included my e-mail address and cell phone number.s
Consumer complaint received 2020-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX I attempted to use my TJX Rewards card issued by Synchrony Bank at a XXXX XXXX. I had previously made a payment to the credit card in the amount of {$330.00} and received an email stating that the payment was posted to my account on XX/XX/XXXX. My bank account had showed these charges cleared, and the money removed from my account by XX/XX/XXXX. I called the customer service line and they advised that since i'm a new cardholder, there are holds placed on my account. They stated my payment hadn't cleared yet. While on the phone, I pulled up my account on line and showed on my bank statement the cleared amount of {$330.00}. The representative continued to tell me that the company hadn't received my payment yet, and that is why I wasn't able to use my card, yet I was staring at my bank account that showed the amount in question missing from my account, and it was NOT a pending transaction. The representative continued to tell me that this was a part of being a new cardholder, is that even though my payment is full and clear and they have taken my full payment, removed it from my account, they will continue to hold the limit since i'm a new cardholder.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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
Consumer complaint received 2018-05-03
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: TD BANK US HOLDING COMPANY (GA)

I filed a dispute for a transaction dispute. A provisional credit was issued. On XX/XX/XXXX, I spoke to XXXX who advised the merchant responded advising he would refund if it was requested. XXXX requested document showing a refund was requested. On XX/XX/XXXX I faxed 11 pages to XXXX with all documents requested. On XX/XX/XXXX I received a letter stating the provisional credit was reversed. I called and was told the documents were not received. I was told to resend the documents and everything can be reviewed. They confirmed that XXXX was the correct number. Since the morning of XX/XX/XXXX I have attempted to fax around the clock to XXXX, the line is busy. I called on XX/XX/XXXX and was advised that XXXX is an additional fax number.. I am still attempting to fax to both numbers, and both numbers are busy. On yesterday I called and spoke to a supervisor and he says their fax lines are broken. I asked for an email or address so I can XXXX XXXX the documents and was advised the only way I can send documents is by these two non working faxes. They do not have an escalation department or an executive complaint process. My concern is I do not have the means to follow the process needed to resolve my issue. I have one representative assigned and XXXX advised this morning he can not provide her direct extension. I have left her a message on yesterday and I have not received a call back however XXXX advised this morning the representative noted the account to transfer all of my calls to her, but never tried to call me back. This is unfair to the consumer. I am not accruing interest on a balance I feel I do not owe per my accountholder agreement and I am doing everything in my power to send the supporting documents to prove this to no avail. I need help! I can not imagine that I am the only consumer experiencing this but I am the one to seek assistance. XXXX is too large of a corporation to operate without the technology to handle a simple dispute.
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION ()

I deposited a check for XXXX and it is not any type of special check and the bank is holding it until the XX/XX/XXXX and I deposited it yesterday. The person I got the check from said it will be cleared today or Friday the latest, so my question is why is the bank holding it until next Thursday? Can you assist me. thank you
Consumer complaint received 2022-02-17
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. (CA)

TRANSUNION is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. XXXX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. TRANSUNION has not done their job in verifying this information. I've contacted them numerous times over the phone as well as XXXX. The account is in good standing. TRANSUNION has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both XXXX & TRANSUNION to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. Thank you
Consumer complaint received 2022-02-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I had seen a XXXX transfer from my bank account thats associated with Wells Fargo of XXXX to someone who registered my information on their XXXX account and also had changed my information that was on my XXXX XXXX, that transaction wasnt authorized by me or did I send that amount of money I filed a claim with Wells Fargo and weeks later my claim was denied I asked what further documents do I need to show just prove that it wasnt me I was then told I authorized the transaction which was not the case and they stated theres nothing more I can do on my end. when I closed out my account and when I received an email of my account being closed I noticed the name of my account that I had closed out was under XXXX XXXX which who I do not know of. A lot of money was taken out of my account which caused a hardship on me and Wells Fargo does not was replace the money that was taken from me its really frustrating that my bank doesnt want to help me out this is the first time something like this has ever happened to me.
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (SC)

Im reaching out because somebody at equifax screwed something up yet again, so im sending this in to basically say, please FIX THE ISSUES!! I sent in a cfpb complaint about equifax on XX/XX/XXXX or XXXX and received a reply pretty quickly, They didnt answer any of my concerns, like, at all, but thats a different issue, my point is they said they sent me my credit report, but i havent received it yet? The one that took three months to get as of XX/XX/XXXX and im hoping wont take another three months. I do have an open complaint with equifax at the moment but please dont mix that one and this one up, my only concern in this complaint is where is the report i was promised on my previous complaint? This is way longer than 10 business days!
Consumer complaint received 2021-06-10
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: WELLS FARGO & COMPANY (SC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

I have had Medicaid coverage for her he past three years, since XX/XX/XXXX. There is collection account that is reported on my credit report for XX/XX/XXXX for {$930.00}. I have contacted the collection company and the credit bureaus and requested for this to be removed from my credit. I have also provided them with evidence that I was fully covered with Medicaid during that period. Unfortunately, they have not addressed the request. I contacted XXXX, XXXX, and XXXX XXXX XXXX on this, but to no avail.
Consumer complaint received 2020-07-28
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: EQUIFAX, INC. (CA)

THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623 IM DEMANDING THE REMOVAL OF THEM
Consumer complaint received 2020-07-28
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: Experian Information Solutions Inc. (CA)

THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623, IM DEMANDING THE REMOVAL OF THEM