davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
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: Experian Information Solutions Inc. (SC)

I checked my personal credit report, which I acquired from the Experian and I noticed that this unauthorized inquiry had been made : XXXX XXXX  Check Cashing Service Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXk XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX  Complete Department Stores Inquiry date XXXX XX/XX/XXXX I have contacted each creditor/furnisher, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report to my address. I am a natural person consumer pursuant 16CFR 433.1 ( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use. There is no consumer credit contract pursuant 433.1 Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

HELLO THERE ARE THREE ITEM ON MY CREDIT REPORT AND THEY ARE STOPPING ME FROM BUYING A HOME, BELOW ARE THE THREE ITEMS AND I HAVE FILED A POLICE REPORT. 

XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$97.00} XXXX OPENED XX/XX/XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX BALANCE {$970.00} XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$430.00}
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

HELLO THERE ARE THREE ITEM ON MY CREDIT REPORT AND THEY ARE STOPPING ME FROM BUYING A HOME, BELOW ARE THE THREE ITEMS AND I HAVE FILED A POLICE REPORT. 

XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$97.00} XXXX OPENED XX/XX/XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX BALANCE {$970.00} XXXX XXXX OPENED XX/XX/XXXX ACCOUNT NUMBER # XXXX AMOUNT {$430.00}
Consumer complaint received 2017-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I began aggressively disputing the below accounts in  XX/XX/XXXX , I however have been disputing the accounts since  XX/XX/XXXX  XXXX  when they first appeared and was reporting positively because they are not my accounts.  <P/>  1 )    XXXX   XXXX  / XXXX   XXXX   2 )   XXXX   XXXX  My initial dispute online was I had no knowledge of the accounts. I had  one   XXXX  account that is closed and positive and no knowledge of  XXXX  at all.  <P/> In response the credit bureaus  1  ) told me the debt was valid,  2 ) r eported it as fraud  3  ) there 's another account with similar information as mine and asked me to send in identify evidence which I did.  <P/> Because of their response, and due to my confusion as to how you can say its valid and fraud and say I may have  2  reports, I then sent  TWO  letters  (   XXXX  and  XXXX   XXXX  ) asking for validation for the debt since they were stating it was a verified not validated debt.  <P/> What I received in response was a letter stating to call the company and a letter stating no changes would be made because they verified the account but a temporary fraud alert would be placed. I was even told my dispute was frivolous because I asked how can they determine a account is valid but say its fraud all in the same breath.  <P/> Nonetheless, NO ONE FROM THE BUREAU HAS GIVEN ME PROOF WITH MY SIGNATURE THAT I OWED The DEBT NOR HAVE ANYONE BEEN ABLE TO JUSTIFY THE REPORTING OF AN ACCOUNT BEING FRAUD BUT VALID.  <P/> FCRA rules states that it is the reporting agencies obligation to defend the accuracy of the information THEY are reporting. It is NOT the consumers obligation to call the creditors to figure out what is going on. Nor is it ethically moral to tell someone their inquiries are frivolous especially when I have legit concerns with the reporting of inaccurate information.  <P/> Inaccurate reporting is occurring because :  1 ).  They claimed it is a fraud account but also said they were able to validate it.    2 )  The bureau claimed to have investigated the validity of the account, but have been unable to furnish undisputable evidence, with my written signature, of such validation and it is now 60 days into the investigation.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (VA)

I started with a company called Freedom Debt Relief. Who claimed that they would help settle my credit card debt for 50 % or more less than what I owed. Work with the creditors to get the settled debt either removed from my credit report or set paid in full. My enrolled debt was {$14000.00} on 5 credit cards. They said they would resolve my debt in a period of 3 years for less than {$10000.00} and by the end of the program they would have all my accouns settled and my credit would be repaired. They did get my accounts settled for less than owed but their fees ( which they didn't tell was going to be near what it was ) 1 account in particular I ended up paying more than what I owed because of their excessive fees. At the end of my program when everything was done my total cost was {$14000.00} and my credit is ruined. Every account that they settled is reporting charge off acount settled for less than owed. Now my credit is way worse than if i had not paid anything at all. I just wanted to get out of credit card debt and getbmy credit back over 700 again. I settled a debt with one creditor myself and paid {$2200.00} on a {$3500.00} debt and they removed it from my credit completely and really helped me. So I could have done everything they did by myself and would have saved a lot more money and got my credit back to good standing. They deceive people and take advantage of people then when you finish the program you may save a little bit but they aren't going to help you with anything related to your credit repair like the man promised they would. I really feel cheated and taken advantage of I mean I could have paid the money to the credit card companies myself and had my credit report in good condition but because of a beautiful lie and false promises I don't know how to get my credit repaired. If anything the creditors could just remove it from my report like XXXX XXXX  did for me. I got it done. So why can't they. Otherwise what did I pay these people for? I could've done the exact same thing they did and it wouldn't have cost me anything. I paid them more than what I owed most of my creditors. They never said anything about charging more than 50 % of the settlement amount. Enrolled debt {$14000.00} settled for {$9300.00} total paid to them {$14000.00} that means that I paid them {$5600.00} in fee 's. So they could destroy my credit.
Consumer complaint received 2020-02-14
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. (FL)

This same problem happened last XX/XX/XXXX almost on the exact same day. This must be a yearly thing for Experian. XX/XX/XXXX, Experian lowered my FICO score 25 points from XXXX down to XXXX only because I have NO BALANCES on my charge card statements. I have copies of charge card statements of this. IS this due to banks PAY OFF Experian to find any reason to lower my FICO score so banks and finance companies can profit more money off of innocent hard working americans like myself??? It is Experian`s idea to pay in full all balances of my credits cards to obtain a great FICO score. So when I do as Experian says to do, I get penalized for paying off my credit cards. Seems like I have trouble with Experian every XX/XX/XXXX of each year. WHY is this???
Consumer complaint received 2021-08-24
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: SYNCHRONY FINANCIAL (TX)

Companies Involved : - Walmart in partnership with Synchrony Bank ( card provider ) - XXXX  - XXXX  Due to my case not cleanly falling into one of the credit bureaus ' several dispute categories, I have been unable to solve this issue for 5 years now. 

Timeline : XXXX : A clerk at a card table in Walmart sold me on applying for a Walmart credit card. This was in XXXX, XXXX  where I lived at [ redacted ] XXXX : Card never arrived so I called customer support. They informed me the card was mistakenly sent to the address on my ( outdated ) XXXX  ID rather than the hand written address in my application form. Card was thought to be cancelled at this time. 

XXXX : Late charges on this account began showing on my credit report. 


I have never seen this card, did not activate this card, nor have I ever made any payment towards the alleged balance. I did not see the report until much later. By then the card had been long maxed-out and was closed for non-payment. 

Assumedly, there is a paper trail of spending which demonstrates the card was most likely used near my old address in XXXX XXXX, XXXX. Similarly my accounts have not spent any money in XXXX  store since at least XXXX. 

In general, fraud claims are geared toward *application* fraud. The application was genuine however. The problem lies with Walmart/Synchrony Bank in failing to properly deliver the card and later failing to cancel the card ; in addition of course to whoever ultimately found and activated the card. 

Having disputed this many times, the responses I get have been along the lines of being told that they verified no payments were made. Well of course there were none! 

These overly simplified methods of settling disputes are negligent in cases where a human must actually think through the timeline and understand problems.
Consumer complaint received 2021-11-16
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: AMERICAN EXPRESS COMPANY (PA)

I had American Express Cash Preferred card. I decided to close the credit card account because of the {$95.00} annual fee. When I called customer service and asked to closed account, the customer service, Cal, representative informed me he can not processed a {$15.00} Reward Balance I accumulated with the American Express while using the card. Cal closed account without redeeming my XXXX Reward balance stating that minimum for redemption is {$25.00}. What Cal failed to disclose is that I could have redeemed {$15.00} through XXXX as card has been attached to my XXXX account. Additionally, the offered benefits on the card was not the {$95.00} annually fee I was charged.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (AL)

XX/XX/XXXX, XX/XX/XXXX Did not provide letter for actions taken on account and reported negative to bureau without dispute statement attached. 
Received adverse letter XXXX  months after the account was opened and said it couldn't grant the amount requested. I didn't request any amount. I applied to get a line for vet bills for my service dog. Checked account after established and found their actions. Was unaware. Rep stated because of account review and report pulled. 
Lost my girl Asked for cease until we could resolve. Had about XXXX contacts after that date of acknowledgement. 
Payments credited to a XXXX XXXX  XXXX. 
I don't know that business They confirmed and said it was to their gate credit but payment history reported validated as well as email receipt.. 
No adverse actions letters from synchrony for XXXX XXXX, XXXX XXXX, XXXX XX/XX/XXXX. All pulled and no letter of action. XXXX times total. When I requested I received this letter and I was clear over the phone with request. All listed under, banks XXXX XXXX XXXX
Consumer complaint received 2021-08-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waterfall Revenue Group (DE)

Dates were XX/XX/2016 the amount was for {$180.00}. That exact date I provided them with a receipt where I paid {$88.00} at time of service so the amount that they are reporting in in correct and false. Ive contacted them on several occasions in reference to affairs but they have yet to respond to the matter correctly.
Consumer complaint received 2021-08-24
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. (IL)

I have been trying to get ahold to the 3 bureaus about my consumer file concerning some things being furnished on my consumer reports however, I have not been able to get assistance regarding my files and need assistance. thanks
Consumer complaint received 2019-08-04
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)

I submitted this complaint before but my aunt used my email. I believe there was some confusion. I am resubmitting it. This account does not belong to me. My XXXX XXXX ID XXXX. This accounts does not belong to me. My XXXX child  was born in XX/XX/XXXXand prior to that I was XXXX. 

1 ) New York State Department  of Social Services ( XXXX XXXX ) XX/XX/XXXX {$0.00} Balance Inquiries : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX REMOVE THESE FRAUDULENT ITEMS IMMEDIATELY PLEASE. Thank you.
Consumer complaint received 2020-02-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: A-1 Premium Acceptance, Inc. (KS)

my chapter XXXX bankruptcy was discharged which included an account held by King of Kash. I am constantly receiving calls/emails from this company demanding payment although the account has been discharged. I consider this a violation of my protections under bankruptcy and ask that the company be held liable do to their attempts to collect this debt. I ask that they immediately remove my email, telephone number and any other applicable information regarding this account and discontinue contacting me.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC (CA)

On XX/XX/2021, I applied for a Small Business loan with Loanme for XXXX XXXX XXXX XXXX. This loan was used to pay off another Business loan. When I signed the contract on the XX/XX/2021, it was for a small business loan and the loan number was XXXX and the interest rate was 104 % on the small business loan I signed. The following day XXXXXXXX of XXXXXXXX, I received an amortization schedule with a higher interest rate of 115 % and it was listed as a personal loan with my name only not as a small business loan. The loan number was the same but described as " Application ID '' on the amortization schedule. I found out recently Loanme put this loan on my credit report as a personal loan with a different loan number. There are many discrepancies with what I signed and what was shown on my credit report.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is written wrongfully in multiple ways. 
The wrong employer appears to be on my credit report There are multiple addresses on my file where I do not reside at. 
Incorrect cell phone information There are MANY hard inquiries on my report that I never consented to.
Consumer complaint received 2019-10-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: SUNTRUST BANKS, INC. (MI)

The man named XXXX with LightStream Finance Company said, & texted me " congratulations you are approved for a {$5000.00} loan, & that the payment would be {$180.00} a month ''. He " XXXX '' said, because they have had so many problems with people keeping the loan money, & not making the payments " Stealing '' the funding money from the company. They developed a verification process I need to follow in order to get the {$5000.00} deposited to my account tonight. He said i needed to go to XXXX XXXX XXXX, & purchase 2 XXXX XXXX, or XXXX XXXX Gift Cards. He said buy 1 gift card for {$450.00}, & 1 for {$250.00}. So I did, & the  transaction was declined. He said " don't worry about it is ok, because the Bank probably put a limit on my withdrawal amounts. He said now drive to the bank, & by the time I get to the bank their accounting department will have everything straightened out. He said the accounting department put more money in my account, and they need me to get {$1500.00} in cash from the teller. Then go back to XXXX buy 3 {$500.00} a piece XXXX XXXX XXXX. He said then I am verified by their accouting department, & they can deposit my {$5000.00} loan funds in my account by XXXX XXXX.
Consumer complaint received 2022-10-08
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: EQUIFAX, INC. (NC)

The information listed in my report were inaccurate. I requested that they investigate these and analyze my files by sending letters to the credit bureaus. The reality that these items continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries and inaccurate addresses listed below : XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Convergent Resources, Inc. (MI)

Contacted by Convergent Outsourcing , Inc., XXXX XXXX. XXXX about an old XXXX account that has problems that I've been trying to get resolved without success. They have added this onto by credit report as though its a new delinquent account in the amount of $ 900+. I've told them that I dont owe them this amount, and they refuse to listen to me. I just found out that when I issued a move service request from XXXX XXXX XXXX address to another in the same complex, they charged me an early cancellation fee without telling me that was going to happen. Before they would accept my move request I had to pay the existing months bill, which I did and I moved thinking my service was being transferred. I later moved to XXXX XXXX for cheaper rent, and asked them to transfer my service to my new address but was Not told they were cancelling my service, and opening a new account. This caused another early cancellation fee, which was never explained to me. When I moved from XXXX XXXX, I requested a total disconnect of by service, and only owed one month at that time. They sent me a bill for $ 600+, and I told them that I returned all of their equipment and provided them with a receipt. The next communication was for {$900.00}, they say because I failed to disconnect the service, which isn't true. I'm a senior on a fixed income and can't afford to pay them $ 900+. I'm so frustrated trying to rebuild my credit, while they report this unresolved debt on my report as thought it's a new item. Please, I need help resolving this issue.
Consumer complaint received 2019-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NV)

I had my account closed at chase bank and I had a remaining balance of XXXX that was owed to me.my ending balance.XX/XX/2019 my account was debited for that amount and a check was issued I was told it would be sent out by the XXXX of XXXX and it would take 7-10 business days to arrive.well those days came and passed I called chase numerous times and I have always got the same respond it was either we sent it out or we can't send it till we contact the issuer.i said its been 30 days and still the check has not been returned unpaid or nothing negative on my behalf.so I dont know the reason why they keeping my funds from me.i have had a set back from this on my bills and had my phone turned off and had problems getting to work and it has been hard for me to bounce back from this issue.XXXX might not effect some peoples lives but it did mines I rely on every pay check I have a daughter and it has caused me trouble since and they still qont give me my funds that I have worked hard for.
Consumer complaint received 2019-08-03
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: EQUIFAX, INC. (CA)

Equifax is not reporting my information correctly on credit file. My social security number is missing on Equifax credit file. Starting from XX/XX/2019, I have sent multiple documents to Equifax in order to update my SSN, including a proof letter from Social Security Administration, Driver 's license, and cover letter of problem statement. However, agents from Equifax said they couldn't make the updates and couldn't disclose the reasons. I think it is unreasonable and irresponsible so I need Equifax to investigate and update my SSN.