davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-22
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. (GA)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2021-06-08
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. (FL)

The date of last activity reporting is inaccurate on this account it reports that the date of last activity is reporting : XX/XX/XXXX ( TransUnion XXXX, XX/XX/XXXX XXXX XXXX  XXXX, and XX/XX/XXXX ( XXXX  XXXX which makes the debt to appear re-aged. On XX/XX/XXXX I wrote a letter to the bureaus in which they did not respond or delete the account for inaccuracy. I would also like to note that the account is not reporting a date of last payment on TransUnion or XXXX  but a date of XX/XX/XXXX reports on XXXX.
Consumer complaint received 2020-07-23
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. (NC)

I paid a loan off in full and they are still reporting it as a charge off. They refuse to remove the charge off even though they acknowledge we paid them in full. They claim it was a sequence of events and too bad. In the meantime they are reporting incorrectly to the credit bureaus and I can not get a mortgage until it is removed.
Consumer complaint received 2022-01-13
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: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXX, I purchased a pair of shoes from XXXX, the " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. The item I received on XX/XX/XXXX was immediately painful to wear ( beyond a simple size mismatch ). In fact, the item was so painful to wear that I went to an official local XXXX XXXX XXXXe on XX/XX/XXXX, and the staff confirmed that the shoe I received was not a genuine version of this shoe model. For this reason, I requested a return through XXXX on XX/XX/XXXX, however the original XXXX seller didn't respond ( or communicate with me ) in any way. It was not until I had to manually reach out to XXXX on XX/XX/XXXX to step in, that I received any sort of response. However, while I was vaguely guided to return the shoes, neither XXXX nor the original seller provided me with any return shipping label to do so. After calling the company 3 times over the course of the next few weeks, and each time being promised a return label would be sent to me, I ultimately decided that if XXXX wouldn't allow me to return these non-genuine shoes for a refund I would have to request a chargeback through American Express ( card ending in XXXX ). The process of initiating a chargeback with American Express went smoothly, and the customer service agent I explained the situation to ensured that this matter would be swiftly resolved in my favor ( as the merchant had sold me a product that wasn't as described ). It wasn't until XX/XX/XXXX, that American Express reached out to inform me that they have sided with the merchant ( XXXX ) and rebilled my account. This is ridiculousas it appears American Express has not properly read my original complaint and seemed to have accepted a generic response from the merchant as a reason to reverse the chargeback. As a longtime American Express customer, I frankly expected better. I would like for this decision to be reversed, and for a permanent credit to be issued for this charge.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (MD)

Phoenix Financial Services has been repeatedly harassing me with consistent unwanted phone calls in order to try to collect on a debt that I do not owe. They use different phone numbers. 

I have written them on XX/XX/2021 to cease and desist these unwanted phone calls, but they have refused to do so. 

They sent me a letter on XX/XX/2021 stating that they are in receipt of my letter and asking that for an account number. I have no account number to give them. 

Recently, using the phone number XXXX, they called on : Monday, XX/XX/2021 at XXXX XXXX  Wednesday, XX/XX/2021 at XXXX XXXX  Using the phone number XXXX, they called on : Monday, XX/XX/2021 at XXXX XXXX  Using the phone number XXXX, they called on : Wednesday, XX/XX/2021 at XXXX XXXX
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

I have contacted this company several times about freezing my credit report and not sharing any information about me to anyone. I have submitted my Security Freeze request well over 45 days ago and submitted a new request and the company has still failed to place a security freeze on my credit report. Have I attached proof of identity below.
Consumer complaint received 2021-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

I booked 2 rooms at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX ) on XXXX for my family. The reservation was under my father 's name of XXXX XXXX and we paid using my, XXXX XXXX XXXX, Chase credit card. The hotel stole my, XXXX XXXX 's, credit card information when we were paying for our 2 hotel rooms. They used my credit card and charged me an additional {$2200.00} for someone named XXXX  XXXX, who stayed at the hotel for 20+ days. Immediately when I saw the charge I called and spoke to the manager at the hotel, XXXX, who told me there was no charge under my name of {$2200.00} or any other charge as such. Later when he was on a recorded line with my credit card company, Chase, as they were doing a fraud investigation he admitted he found a charge of {$2200.00} under a man named XXXX  XXXX. I do not know who XXXX  XXXX is and how the hotel was able to get access to my credit card information to charge another guest as my credit card never left my possession. Per hotel receipts, XXXX  XXXX checked into the hotel at XXXX XXXX  on XX/XX/20 and our two rooms under XXXX XXXX were checked in at XXXX XXXX  and XXXX XXXX, 10 minutes after XXXX  XXXX checked in. The hotel insists that my card was used to check in the reservation under XXXX  XXXX but that is not possible as he checked in before us and there is no CCTV footage or proof of signature that I authorized my card to be used to check him in. My card never left my possession through this entire process. I have filed a police report against this hotel and XXXX XXXX as well. My credit card company, Chase, has closed the fraud investigation twice without contacting the hotel or providing any proof of signature. They keep saying my card was inserted into the chip reader but have not pursued any investigation as to the fact that the bill is for someone I do not know.
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Hello as you can see I keep my credit good. Collection agencies put information that belong to me. I contacted them but they refused to listen to me and called my job. Its weird how they all did the samething. please remove this from my credit. its not mines XXXX  XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$780.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1100.00} XXXX  XXXX  Reported : XX/XX/2020 {$950.00} Needs Attention XXXX  XXXX Reported : XX/XX/2020 {$55.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$220.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1100.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/2020 {$1500.00} Needs Attention XXXX XXXX Reported : XX/XX/2020 {$780.00}
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I've had a credit card with HSBC for a few years with a {$6000.00} credit line with no payment incident or anything. I hadn't used it for a while and there was no balance due. When I tried to use the card recently, it was declined. Yet, when I went online, my account appeared OK. When I contacted HSBC by chat, I was told that they had closed my account for no activity. They said that they had sent me notices to that effect but it can not be true since I did not receive any and yet I keep receiving their Credit Card Newsletter and in addition there is no mention whatsoever of my account being closed on their online banking. I asked them to please reinstate my account and they refused. Then I looked closer and saw that, although my account wasn't closed ( and is still not closed as of today XX/XX/XXXX as you can see on the screenshot attached ), my credit line was reduced to {$0.00}. Upon checking XXXX, I discovered that HSBC had declared my account closed as of XX/XX/XXXX, hurting my credit score for no valid reason. I placed a complaint with XXXX for false information but haven't heard yet. This behavior from HSBC doesn't seem correct, perhaps not legal. I hope you can intervene to stop HSBC in their dubious behavior.
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

The company is attempting to collect a debt without proof of ownership. The company is in violation of the Truth and Lending Act ( TLA ) by reporting the debt as mine to the Credit Agencies XXXX, XXXX, and XXXX. The company is using statements as its course of debt validation. However, the ( TLA ) requires an application either written are orally to provide proof of an alleged debt the ( TLA ) also requires fair and accurate reporting and that interest rates be provided dollar by dollar. I do not owe and acknowledged this alleged debt and neither agree with it. If this company owns this alleged debt it must provide the chain of assignments and the contract between it and the seller and certification of ownership and provide the receipts and proof of how much they purchased the debt for. I have enclosed an enhanced validation request in this complaint to the company. Although the company has stop collection activities they are still reporting to the credit agencies as an attempt to collect the debt and defamation of my character.
Consumer complaint received 2022-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm writing this complaint and there is no third party involved. 

Default and Opportunity to cure Attached To whom may concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent previous letters to you, all by certified mail ( receipt enclosed ) requesting that you remove information from my file and you have failed to do so. 

Accordingly, I can show a judge that these account are reporting illegally by your company and that you violated the Fair Credit Reporting Act by ignoring my requests to Delete the items. My previous letters ( all sent by certified mail ) stated my reasons and these reasons were not frivolous in any way. ( all Documents attached ) If this final request does not prompt you to conduct a proper procedure to delete this accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2020-01-27
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: Experian Information Solutions Inc. (GA)

I am XXXX yr retired XXXX..I loss my housemy car and my job from having a XXXX at work ... 
I can not get an apartment or a car or job. I've asked them for my file they will not send it ... I was told my credit was breached but when I sent an account they refuse to erase that information. 
Thanks XXXX XXXX
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX ( Original Creditor : ) XXXX, XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME ALSO CREDIT CARDS WAS ALSO OPEN AND THE PERSON ALSO RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX ; XXXX On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2022-01-13
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)

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Credit Management, Inc (AR)

COLLECTORS KEEPS CALLING MY FAMILIES CELL NUMBERS WE WILL 17 CALLS ON RECORD WITH SCREEN SHOTS AND ARE CALLING ( XXXX ) XXXX. AFTER CEASE AND DESIST COLLECTIONS AND COMMUNICATIONS. STOP CALLING XXXX XXXX XXXX
Consumer complaint received 2022-01-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY (LA)

None of the options listed were relative to my situation so please only consider my written complaint. Due to Covid economy, we were having financial hardships. The financial hardship prompted me to go over all of our contracts. While going over our vehicle loan contract we noticed that the contract was NOT valid. It had never been signed by the dealership. It states right on the contract that if the contract is not signed by a dealership representative, the contract IS NOT VALID. I wrote WELLS FARGO on XX/XX/2021 ( registered mail ) and requested that they provide proof of the contract 's validity. I also sent them a copy of the original contract showing the error. My request was for them to release the title to me OR reimburse all monies paid under the contract plus a percentage of the finance charge. WELLS FARGO received my complaint on XX/XX/2021 at XXXX. WELLS FARGO replied back with a letter and stated that they had carefully reviewed my complaint and found that the contract was indeed valid. WELLS FARGO attached a contract to the letter for the same vehicle except that not one of the signatures were my own. Every single signature on WELLS FARGO 's copy was noticeably fraudulent when compared with the original. I did not then nor have I ever given any person or entity permission to sign my name on any legally binding instrument. I then wrote them again XX/XX/2021. I expressed my frustration and sent them a bill of my own which included the release of the vehicles title to me plus monetary compensation, among other things for attempting to coerce me into continuing to pay under a fraudulent contract. I requested that WELLS FARGO reply within 10 days since that would be well over 30 days with no resolve to this issue. It has now been XXXX full business days, and WELLS FARGO has failed to act in honor and I still have no resolve. Today I am submitting this CFPB complaint for the XXXX time and plan to file with all other relevant regulatory agencies within this week due to WELLS FARGO 's negligence in hopes to prompt resolve and avoid legal action.
Consumer complaint received 2022-04-29
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. (TX)

In accordance with the Fair Credit Reporting act, the following : 1. XXXX XXXX Account # XXXX XXXX XXXX, has violated my rights. 
2. XXXX XXXXXXXX Account # XXXX, has violated my rights. 
3. XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (PA)

I bought items on XXXX  using the syncrony bank card. I used the 6 months /interest option. This was in XX/XX/2019. I ended up with promotional balances due in XXXX, XXXX, and XXXX. Throughout my payments they were allocatting money toward the XXXX and XXXX promo balances and overall around 600.00 was allocatted toward XXXX and XXXX instead of the XXXX balance which was due first. I started calling them in XXXX to complain and each time they said it was fixed and it would take up to 2 business cycles to correct. Now here we are and it is XXXX and my promo balance due in XXXX is almost 600 more than it should be. I have been talking to them 2 hours now and still not fixed, even though XX/XX/XXXX it was supposed to be fixed. i feel robbed am am facing major interest penalties. what can i do.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

PLEASE REMOVE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY PROFILE : XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Equifax XXXX XXXX XXXX XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX, XXXX  XX/XX/year> Equifax XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX  XX/XX/year> Equifax XXXX XXXX XXXX other than personal XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNIVERSAL COLLECTION SYSTEMS, INC (GA)

The invoice was paid to the billing department at the medical facility on time. This is not a debit and there is no reason the debit collector should be contacting me. I sent a Certified letter to the collector with a copy of the invoice and a dated payment conformation. A cease and desist was included in the letter, the letter was sent on XX/XX/XXXX, on XX/XX/XXXX Universal Collection Systems contacted me via phone using an automated system violating the cease and desist demand. I now consider this harassment and will press charges upon a second violation.
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (VA)

On XX/XX/XXXX my bill did not go through account with missed payment. I am kindly requesting XXXX XXXX Opened XXXX XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.