davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Self Financial Inc. (RI)

I never opened these accounts : Account name XXXX  XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$910.00} written off. {$910.00} past due as of XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX. 

Account name SBNASELFLNDR Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Amount {$530.00} Account name SELF FINANCIAL/XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX {$530.00}
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation on the following account has passed. 
XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2021-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

During the week of XXXX XXXX. A creditor by the name of Credence management called me from many different numbers stating that I had a collection with XXXX XXXX XXXX. However after looking over my credit reports which showed no collection and contacting at & t I was told Im not in the system. I contacted XXXX XXXX XXXX fraud prevention and told they sound like scammers. The company also was not able to give me any type of account information.
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

On XX/XX/ 2023 it came to my attention that my automatic payment had been canceled with the business. I immediately made a payment to bring my account current and was told by the business that there was an error and a representative canceled my automatic payment in XXXX. 

The business agreed o refund fees and interest but has reporting me to credit bureaus as delinquent and/or late. This distinction is improper and false.
Consumer complaint received 2022-04-30
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: WELLS FARGO & COMPANY (TX)

XX/XX/2021, I received an email saying XXXX was charging me some fee for buying something when i didn't buy anything. So I called the toll free number on the email and a person answered. They said log into your account and we can return your money back costing {$9000.00} as soon as I logged into my account thinking they will reimburse me, instead the people online were transferring money from my credit card to a XXXX  account. Once I made a complaint with Wells Fargo of what happened, they didn't acknowledge the complaint and said it was my fault and it's my responsibility to pay it. I told the bank ( fraud department ) of what happened and I told the bank XXXX fraud department ) didn't authorize anyone to transfer money nor I didn't know who was all transferring the money or where it was being transferred to. 

XXXX XXXX, I went back to Wells Fargo and reported fraud. Although the department once again denied me because they said since the transfers happened within my online access... the bank says it looks like i authorized it to whomever but I even told Wells Fargo, I don't know them and why would I report my own fraud ... .I wouldn't report fraud. I seriously dont know who did the transfers. I am vey dissatisfied with Wells Fargo,
Consumer complaint received 2021-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AZ)

Paid off Wayfair acct XX/XX/XXXX. I was then charged interest on a {$0.00} balance. No notification this was done so I was not aware. They then charged a late fee and additional interest and marked account as late on credit report, dropping my score over 20 points. I went ahead and paid int and late fee and disputed it with XXXX  and XXXX. It was corrected by XXXX  but not XXXX. When I went to pull up dispute resolution from XXXX  nothing shows. I am now again being charged interest on a {$0.00} balance by Wayfair. They closed everyone 's account in XX/XX/XXXX.and I continued to make timey payments.
Consumer complaint received 2018-02-10
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. (FL)

I recently received a copy of my Experian credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX on behalf of XXXX XXXX that I did not authorize. I have contacted XXXX XXXX XX/XX/2018 and was informed that I would have to send a copy of my drivers liscense and full social security mumber for validation purposes before they could help me with my claim. I do not feel comfortable with submitting such personal information to a possible fraudulent company. 
They also advised me to register with there so called credit bureau service to pull my credit report. 

They are advertised as a credit bureau affiliated with experian. I have never heard of this company. I XXXX this company and they have history of identity theft resulting in unathorized payday loans. I am afraid that submitting a copy of my photo id and full social will result in such fraud. I have never been asked to submit such personal info .. Also signing up for there credit reporting services and getting my report pulled would validate there inquiry claim. I feel this company is not legitimate and should be removed from my credit report before anymore damage is done. 

I have attached proof and request that you investigate this matter and remove it immediately from my credit file.
Consumer complaint received 2018-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST CALIFORNIA MORTGAGE CO., INC. (CA)

Frauding scams frauding my credit file of XXXX XXXX XXXX of XXXX  XXXX Indiana of XXXX ( XXXX ) XXXX XXXX of XX/XX/ Frauding scams using my documents attached to XXXX XXXX XXXX of XXXX  XXXX Indiana and XXXX XXXX XXXX XXXX and XXXX county XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. 

Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX XXXX documents of XXXX XXXX Frauding scams 5 great lakes towns wide frauding using my credit file by others resterants franchises tore into my documents and groceries stores tore into my documents frauding my credit files 50 states frauding using groceries stores frauding my credit files using XXXX XXXX products and Brand advertising and Brand marketing Frauding scams using resterant diners menus frauding scams using XXXX XXXX. 

Frauding scams using retailers business and clothing store and clothing franchises used XXXX and XXXX Frauding scams using chruch groups and pasters frauding my documents Frauding scams using auto stores Frauding scams using medical records Frauding scams using XXXX auto and XXXX auto Frauding scams using XXXX factory and XXXX factory and Gearing factory frauding my aunt XXXX XXXX XXXX XXXX XXXX Indiana Fraud IDs scams frauding my XXXX factory in IA Fraud scams using XXXX factory in others states fraud XXXX Indiana Frauding scams frauding using XXXX factory in Florida frauding my family 's sir name documents of XXXX or XXXX XXXX XXXX record 's Retailers store 's business permits sounds like my documents Using XXXX sounds like XXXX and XXXX XXXX and Brand advertising and Brand marketing XXXX XXXX department stores sounds like XXXX my birth certificate of XXXX XXXX XXXX of XXXX  XXXX Indiana Frauding scams using XXXX XXXX XXXX of XXXX Illinois Fraud scams using XXXX auto off my XXXX documents Frauding scams using XXXX auto. 
Frauding scams using XXXX auto Frauding scams using XXXX as business permits and products and towns frauding my XXXX XXXX XXXX documents of XXXX  XXXX Indiana Fraud scams using XXXX court building in XXXX and XXXX XXXX Frauding scams frauding my documents in XXXX California in subdivisions using XXXX and XXXX and XXXX and XXXX Frauding scams using XXXX IDs and business permits frauding using XXXX birth certificate
Consumer complaint received 2023-01-31
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. (TX)

I am a victim of identity theft. My information has been stolen and used to open a fraudulent loan with XXXX XXXX XXXX on XX/XX/2022 for the amount of XXXX dollars. The branch that was used to open the fraudulent account is located at XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. They can also be reached at XXXX. Ive tried disputing with the credit bureau over four times and each time they reported as accurate information with out reaching out to the bank. The bank will not dispute my case until Credit Bureau reaches out to them or the police go to the them with my case. The police report ive made to resolve this is still pending and told that it can take up tp 90 days to be assigned someone to my case. This is absurd.
Consumer complaint received 2022-04-30
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. (GA)

XXXX XXXX XX/XX/XXXX Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported XXXX XXXX experian, XXXX Please take notice that this letter dated ( XX/XX/XXXX ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-04-30
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. (GA)

XXXX XXXX XX/XX/XXXX Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : transunion, XXXX, XXXX Please take notice that this letter dated ( XX/XX/XXXX ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-07-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (NY)

Ally financial refuses to release my payment history and XXXXXXXX XXXX XXXX statement. Ally financial has blocked my online access which enables all consumers to access their payment history and statements. I have contacted them Ally for 6 months, and have been ignored. The above mentioned is a violation of State and Federal law. Ally is a corrupt financial institution. I have never encountered such an abuse of disregard for consumers, and I'm a repetitive customer of Ally 's. This is how they treat repeat customers.
Consumer complaint received 2021-08-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (DC)

I have a student loan being managed by EdFinancial, and starting in XX/XX/XXXX I set up an automatic repayment plan ( they call it XXXX ) to pay off my loan in regular monthly payments. I received a notice from EdFi in XX/XX/XXXX that per Department of Education guidelines my interest rate would be dropped to 0 % due to the pandemic ( PDF attached below ), and that I could opt into loan forbearance if I chose to. I decided not to do this, as I wanted to pay off my loans as quickly as possible and I realized I could pay off my loans faster with a 0 % interest rate. 

I just discovered that EdFinancial stopped my automatic payments back in XX/XX/XXXX anyway, without my permission, and the only notice they provided was buried in an email with the title, " Important federal student loan flexibilities ( PDF attached below ). I have since restarted my monthly payments, but I now find that the payment amount is locked at the minimum required, and to change it I need to call them and speak to a representative. 

XXXX realized they wouldnt be making money off their students loan holders while the 0 % interest rate was in effect, so they took unilateral action to change loan holders ' payment settings, buried important information, and did not provide clear notice of the impact of these actions. They are still currently making it harder for folks to restart automatic payments by disabling the online feature that lets loan holders specify how much they want to pay monthly. I was told by a customer service rep that the feature would be enabled again once the CARES Act is no longer in effect, in XX/XX/XXXX. This is morally and ethically wrong, and deceptive. It took me 17 months to realize this, and Im sure many loan holders are still unaware that this has happened.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

I bank with XXXX. 

XXXX XXXX I deposited a check for around XXXX via mobile app. This is my paycheck as a XXXX. 
I am a XXXX to my friends Business, XXXX XXXX XXXXXXXX XXXX. 
The check bounced due to insufficient funds. It was returned. Fees were charged. 
My friend gave me a new check after adding more money in the account. 
I again depostied it via the mobile app. It was not showing anything to be available, and the check was " on hold '' or " pending '' i dont remember the language used. 
I was near a Chase Bank Branch, so I went in to ask them what was going on with that check. 
The teller informed me that because my account was flagged due to the bounced check that this check did not go through when i attempted the mobile check deposit. He said maybe it was because of the amount of money it was for, or because of the flag, but not to worry he could deposit it in person. 
He gave me a receipt, and showed me the new date that I can expect to have access to my money. 
already annoyed because it was another XXXX weeks, all i could do was wait. 
So I did wait, and still no deposit. 
I was connected to all kinds of different special customer service numbers, and they said my account was restricted and onl hold because of the check being deposited TWICE. 
I was XXXX. I took all the actions Chase asked of me to, and had been on the phone with them or in person multiple times every week. They froze my accounts for over a month. No access to my money, no access to paying my bills on time, etc. This was a very serious long term problem, that STILL has not been resolved. They have many notes on my account, and everytime I go in there I leave thinking they really figured it out. And again I leave disappointed. 
Because this was my friends Business Account from XXXX, I had her involved too. 
The money, left the account twice. That's right, her XXXX XXXX account has a XXXX withdraws for this same check. 
The money, close to XXXX is somewhere in limbo. XXXX of my Accounts at Chase was Closed. And this is a huge mess created by XXXX eager and under trained Bank Teller who deposited a check that was already deposited. 
I need to have access to this money and/or my friends XXXX account needs to get back the money. 
This error of the teller has cost me XXXX of dollars in late fees, and has impacted my credit score. I will keep making complaints until its resolved and amends are made.
Consumer complaint received 2021-08-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: South Mississippi Collection Services Inc. (MS)

on XX/XX/2021, i sent South Mississippi Collection Service Inc letters for some alleged debts of : {$550.00} and XXXX $ that i don't owe in which they never responded so i sent a letter on XX/XX/2021 requesting the validity of the debts that they are reporting on my credit. i sent the letters off XXXX certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: NAVY FEDERAL CREDIT UNION (DE)

XXXX Disputed amount of {$300000.00} The undersigned Affiant, XXXX XXXX XXXX hereinafter, Affiant does solemnly swear, declare, and state as follows : The XXXX XXXX XXXX the amount of {$100000.00} account ( XXXX ) and the amount of {$92000.00} for the following acc ( XXXX ) which brings the combined face value of the amount {$200000.00} That was successfully delivered to XXXX XXXX XX/XX/2023 along with additional {$100000.00} by Registered mail Number ( # XXXX XXXX XXXX ) ( XXXX XX/XX/2023 ) - ( XXXX XXXX XXXX ) And an additional amount of {$100000.00} with clear written instructions to deposit in XXXX XXXX treasury direct Account. The affiant XXXX XXXX accounts were never credited, and these securities were never returned to the sender.
Consumer complaint received 2023-01-18
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. (LA)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hello, I would like to dispute the following collection company " XXXX XXXX '' which I just learned is a scam company. While in the process of working on my credit I was contacted by " XXXX '' regarding the debt bill. Desperate to get this off my credit I was under the impression that I owed them but after further investigation, I learned that I wasn't supposed to pay " XXXX '' anything and never should have paid " XXXX '' anything because they were never a creditor of mine nor had I ever signed anything stating otherwise. 
. 
I'm requesting that all further actions from " XXXX XXXX '' be stopped, they can NO longer contact me, remove their name from my credit report and refund the payments that have been paid to " XXXX XXXX '' Thank you for your assistance with this matter. 
XXXX XXXX
Consumer complaint received 2020-01-27
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. (NJ)

hello XXXX XXXX  has 2 accounts reporting late. They spoke very rudley to me in regards to my explaination of my lates. I was in the hospital and my caregiver paid it. I love XXXX XXXX and plan to contiue to work with them. I plan to pay off my loans with them and buy a new home but since the reported me late I cant. Its a new years and all I want is support from the bank I love. Please why are they doing this to me and my family. I lost so musch this year.