davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (PA)

I have made multiple attempts to find out if I have a Wayfair bill, and if there is a balance owed on this account. However each time I was unsuccessful. I have not received a bill or statement in the mail since XX/XX/2022. When trying to log into the website to see if I had a balance, or why I was not receiving any mail from Wayfair it would tell me that there is no account by the information I was giving them. I tried multiple different ways ( username, account number, social security number ) but no matter what i entered I was told that there was no account. When I went to apply for a mortgage in XXXX I had noticed that there was a delinquency showing on the credit report, I tried to call the phone number that I had but they told me that I had no account with Wayfair. Finally, on XX/XX/XXXX after spending many hours doing some research, I was able to get a representative on the phone. The representative told me that I had an account in the past but it was showing a XXXX balance and there was nothing that I needed to pay. He then contacted a supervisor because I did not understand how if I had a XXXX balance why there would be a delinquency showing on my account.This situation is very deceptive because their own representative is telling me that I do not owe any money. After speaking with the supervisor he told me that there was some sort of problem in their system from a change that they had made not too long ago and that this has also been a problem for other people as well. He gave me a XXXX XXXX mailing address to send a letter asking someone to reach out to me so that I can get further help with this problem. I sent a letter to Wayfair on XX/XX/XXXX but still have not even heard anything back from the company. This is unfair because this is preventing me from being able to purchase a new home. This is abusive because I have now suffered from a damaged delinquent account on my credit report. I feel that I have been patient enough in waiting for someone to respond to my previous letter that was sent almost a month ago. It seems that no one has an answer as to why this happened and i feel that they have not helped try to resolve this issue at all.
Consumer complaint received 2018-01-26
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. (PA)

I filed a dispute with Experian in reference to a XXXX account showing a past due balance of XXXX . The account was part of a bankruptcy discharged in 2016. Experian responded saying the information was reporting correctly. I reached out to XXXX who acknowledged the XXXX $ was part of a bankruptcy and discharged. I was bounced around various department for an hour or so. They ended up telling me it was the fault of Experian. Experian says its the reporting of XXXX. The account was under a bankruptcy and is being reported as currently past due by XXXX
Consumer complaint received 2018-01-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

There are a couple missed payments on my USAA card, i have since paid the amount due and late fees and the late marks have not been taken off
Consumer complaint received 2017-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education (UT)

I was a XXXX XXXX student from XX/XX/XXXX to XX/XX/XXXX and received all of my loans from the XXXX XXXX XXXX XXXX XXXX ( XXXX ). After graduation, I began to make payments to XXXX believing they were qualifying towards the public service loan forgiveness program ( PSLF ). I made such payments for three or four years before learning that the payments could not and would not be counted towards PSLF.
Consumer complaint received 2018-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I did not solicit this company for their business XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017
Consumer complaint received 2022-01-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Recovery Systems, Ltd (GA)

NATIONWIDE RECOVERY SERVICE HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$1000.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE
Consumer complaint received 2022-01-06
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: EQUIFAX, INC. (MO)

I have been contacting the credit bureaus and companies for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this credit card thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need the bureaus to take this complaint seriously and delete the fraudulent item from my credit report.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NE)

I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2018-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/2018 I spoke to XXXX in the Executive Office. She assured me that my debit card would be expedited and I would receive it today. What she failed to mention was the card would be sent through XXXX  XXXX and requires a signature. I called the bank to see why I wasn't given the proper information and was met with excuses.The representative from the executive office stuck up for XXXX and told me I should have known that a signature was required. She made it seem as if XXXXXXXX XXXX   behavior was warranted and I had no right to question her. This is my third complaint against this bank. The employees in the Executive Office are familiar with me because I make numerous complaints against the bank. I believe that I am being retaliated against because I make complaints. This is a tool utilized by the employees in the executive office to harm me.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Consumer Shield (AL)

The credit counseling company is called Consumer Shield of XXXX Florida XXXX. I signed a contract with them XX/XX/XXXX through a company called XXXX XXXX XXXX. But their so call lawyers, that's what I was told will not respond to me, anyway XXXX XXXX left the company shortly after he talked me into adding {$3000.00} to my already existing account of {$9000.00} and this money was to go in an escrow account until they got paid then they would take care of my creditors of which I have several, they only communicated with one that I know of and that was XXXX. I got a summons from one of my creditors and consumer shield sent a letter deputing the charges, but a date was set for XX/XX/XXXX anyway and I had to face the creditor without any representation .I called over 45 times from the date i got the letter until I went to court.I pleaded for any kind of help I could get but got no response I also sent numerous emails asking for advice but again I got no response.They finely answered the phone XX/XX/XXXX and I asked to speak to one of the lawyers, I was given the run around and was told someone would reach out to me well this is XX/XX/XXXX XXXX and I have yet to here from them they are nothing but scammers and I wish I could get my money back because they have not done what they said they would do, I had to file Bankruptcy for fear of loosing my house. I thought they were an honest company because they were so nice.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

Due to a change in employment and a move, I had to short sell my house. Bank of America was my mortgage servicer. My account was closed on XX/XX/XXXX. 

In XX/XX/XXXX I received a credit report alert on a past due account. The alert showed that I was past due on my mortgage payment by more than 30 days. This situation caused my credit score to drop by more than 100 points. My credit score is usually in the high XXXX. 

I contacted Bank of America and was told that because my account was closed, they couldn't fix any errors on my credit report.
Consumer complaint received 2018-01-26
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: EQUIFAX, INC. (MD)

I have been dealing with XXXX and XXXX since XX/XX/2017 in regards to removing unverified information on my credit report. 
As you can see with the XXXX letter attached they have removed the bankruptcy off of the report because it is not verifiable. With that said XXXX and XXXX needs to remove this Bankruptcy ASAP due to the fact I been dealing with this since XX/XX/2017 with numerous dispute letters and also prior disputes with CFPB. 
See below : Well I took it upon myself to write to the XXXX   and XXXX Bankruptcy court on XX/XX/17 asking if XXXX  and all other Credit Bureau 's have notified them to verify my information that is on my credit report. On XX/XX/17 I received a letter back from the XXXX Bankruptcy court stating that they DO NOT verify information. I sent this letter to XXXX and to the additional credit bureau 's asking them to remove the information off of my credit report. XXXX sends me a letter stating that the information has been verified but the Bankruptcy states that they DO NOT verify information. XXXX never verified the information and they do not want to do there job as to removing inaccurate information.
Consumer complaint received 2018-01-26
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: FC HoldCo LLC (IL)

I spoke with a repersentive at XXXX to report a numerous amount of hard inquires that Im unaware of. They refuse to remove the inquires and directed me to the creditors in which theyve also denied my request to remove them. It was bacially like a back and forth situation.
Consumer complaint received 2020-10-07
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)

Greetings, I have been sending letters to the credit bureaus to rectify and / or eliminate some accounts, I have sent letters since XXXX and I have not received any response from the credit bureaus XXXX, XXXX, Equifax. I demand that they give me an answer corresponding to all the letters previously sent. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus
Consumer complaint received 2018-01-26
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: Exeter Finance, LLC. (IL)

I spoke with a repersentive at XXXX to report a numerous amount of hard inquires that Im unaware of. They refuse to remove the inquires and directed me to the creditors in which theyve also denied my request to remove them. It was bacially like a back and forth situation.
Consumer complaint received 2018-01-24
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: GLA Collection Company, Inc. (IN)

I filed a dispute with the credit bureau and the company asking them to validate the account and any information they have proving it belongs to me and they have not done so and it 's been over 30 days.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

I sent a letter to XXXX XXXX on XX/XX/XXXX because this account is reporting inaccurate information. Basis for the dispute:On XXXX Account status is closed, however there is no close date but it shows a last activitydate of XX/XX/XXXX with no close date; However on XXXX it is reporting as " not reported "and closed as a charge off with a date of last activity of XX/XX/XXXX, and on Experian it is notreporting a closed date or a last activity date. On XXXX and Experian there are several 90 daylate payments stemming from XX/XX/XXXX all the way to XX/XX/XXXX which is inaccurate.This account is showing inaccurate information on XXXX, XXXX, and Experian. XXXX XXXX's response was that they report the same accurate information to each agency however this information is not accurate on my reports and under the FCRA they only report accurate and true information.
Consumer complaint received 2022-08-11
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. (FL)

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note that I am the only natural person writing this statement with the help of NO XXXX party. I never gave these company any written consent to report anything on my consumer report. please see attached documentation. I need this item removed asap.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

In XXXX 2016, XXXX XXXX charged my XXXX XXXX XXXX XXXX Dollars ( {$2.00} ) without my knowledge and without any basis. The amount was charged but not billed. 

I learned about the charge a few months later. I disputed the charges. XXXX removed the charge immediately, however, XXXX has made two negative reports on my credit report for such XXXX Dollars ( {$2.00} XXXX. 

I tried to have XXXX remove the negative reporting but failed. 

I request XXXX to remove the negative reporting. 

I request penalties be assessed against XXXX for improper and fraudulent charges and for fraudulent negative reporting.
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX XXXX calls my home phone & cell phone asking for another person regarding an outstanding debt. I have informed them the person they are seeking does not live at my residence and asked them to stop calling. Their response is asking me for other person 's info and then hanging up the phone. Today at XXXX XXXX home phone & XXXX cell phone they are calling me again. This has been happening for over a period of time. I am a senior citizen and they are disturbing me..
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (RI)

XXXX XXXX ( XXXX ) called me on my cell phone asking for my wife, although with a slightly wrong version of her name. They would not tell me why until I provided last four of my wife 's social and gave them information about me and her. They said they were debt collectors representing XXXX, but neither myself or my wife does business with XXXX. I refused to give them any new information and hung up. 

I am not sure if they were phishing or otherwise just trying to gain access to us or our information, but it was an unsolicited call on a number on the do not call registry.
Consumer complaint received 2023-03-09
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: AMERICAN EXPRESS COMPANY (TX)

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 
The XXXXir Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Consumer complaint received 2021-02-06
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: EQUIFAX, INC. (IL)

There are a number of inaccuracies on my credit report as a result of fraud. I have filed 2 different FTC Identity Theft reports and have forwarded them to all 3 credit bureaus, but the information remains on my credit report. My brother 's name, XXXX XXXX, is/was also listed on my credit report ( s ) at some point, though it seems to have been removed at this point. The fraudulent accounts listed are : XXXX XXXX ( {$2300.00} ) and XXXX ( {$180.00} ). The fraudulent inquiries are : XXXX, XXXX XXXX, XXXX/XXXX, XXXX, XXXXXXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXXXX/XXXX.
Consumer complaint received 2018-02-06
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. (WA)

Equifax is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX.. XXXX/XXXX  Acct. # XXXX All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2023, I was approved for a Wells Fargo XXXX XXXX credit card. Part of the new card offer included said if I made at least {$3000.00} in purchases within XXXX  months I would get XXXX bonus XXXX XXXX points. I made over {$3000.00} in purchases by early XXXX, 2023, less than XXXX months since approval. Terms of the card offer stated I would receive the XXXX bonus points within XXXX to XXXX billing statements of meeting the spending threshold. By the nearly the end of XXXX, 2023, I still had not received the XXXX bonus points. So I called Wells Fargo and spoke to XXXX different departments, each having no idea what to do with my concern. Some departments had never heard of this XXXX XXXX Wells Fargo credit card. XXXX departments transferred me to XXXX XXXX which has nothing to do with Wells Fargo 's credit cards. XXXX departments said I should get the XXXX bonus points but they were not sure why there were not posting correctly. Finally I was transferred to the Executive Department of Wells Fargo. They did an investigation and told me via phone on XX/XX/2023, that my purchases violated the terms and conditions of the credit card, claiming all of my purchases were pre paid gift cards which are excluded from earning XXXX XXXX points. I appealed to the supervisor of this department and told them to look at my purchases on each statement and they could see I did not buy any prepaid gift cards. Prepaid gift cards are reloadable XXXX XXXX XXXX gift cards. I did not buy ANY prepaid gift cards with this credit. Some of my purchases were retail gift cards, which are not excluded purchases. In fact, all of my purchases already earned regular XXXX XXXX points on my account, just not the XXXX bonus. The supervisor reviewed my statements and agreed with me that I did not violate the terms and none of my purchases were prepaid gift cards. A second investigation was opened on XX/XX/XXXX and I was told to wait XXXX to XXXX business days for resolution.