davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (HI)

Left message they were taking me to court in XXXX XXXX. Called back, no one answered and left message. Called back, again and no one answered. A few minutes later XXXX XXXX called me back. Said she was with XXXX XXXX XXXX XXXX and she wanted me to confirm the last 4 of my SSN and that she was submitting documents to the court today to garnish my wages. I asked if this was for a XXXX account. I paid this debt with a debt collector over a year ago. This debt was fromXX/XX/2003. I started to tell her my story of how I paid this debt but I keep getting calls about this and she started talking, too, asking me to confirm my social. And then she said I was rudely talking over her and she would see me in court and hung up on me. I called back and left a message saying I did want to talk about this and I was not trying to bed rude. I tried her again, she didnt answer and I tried her answer and she answered. I asked her nicely if I could please have the fax number to send the letter stating I paid this debt. She said as she was trying to advise me earlier before I rudely interrupted her.. and she gave me the fax number. I asked to speak to her supervisor. I have never been spoken to like that. She said she was the supervisor. I asked if there was anyone above her and she said no so I asked if she pawned premeir holdings? She said that supervisors and owners are two different things and hung up on me again.
Consumer complaint received 2023-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OH)

COMPLAINT ABOUT XXXX XXXXSURVEY XX/XX/ The first rep I spoke to said he could not hear me. So I spoke up. He said he still could not hear me, so I ended up yelling. He then said he could hear me. After a bit of time, he had the gall to tell me to stop yelling. I WAS YELLING BECAUSE HE COULD NOT HEAR ME. Ended up hanging up on me. 
I do resent the fact that I spent over 90minutes of my time and still did not get my issue resolved. I DO NOT EVER WANT TO DO BUSINESS AGAIN DUE TO THE XXXX  WAY XXXX XXXX DOES THINGS. 
Know what each can do. I sent a chat to the store to find out my balance. I was told they could not help me and gave me an invalid comenity bank website. I tried and tried and tried and tried to get into the bank site. I finally got in after what seemed like forever. After the second rep gave me 2 emails with the correct site link. After what seemed like forever, the second rep finally told me that he could not help me and was on the phone with the store. The store that said they could not help me. He finally got back to me saying there is a whopping {$.00} on a gift card. The major problem with that is that no one can tell me where it is. IT IS A SERIOUS SHAME THAT XXXX XXXX DOES NOT CARE ABOUT THE CUSTOMERS TIME. 
I had contacted the Consumer Financial Protection Bureau regarding another issue with this XXXX  customer service. They were told that a credit of {$32.00} had been applied to my account. When I asked the second rep, he could not locate that credit. 
I will be contacting the consumer financial protection bureau again about this. MAYBE XXXX XXXX  WILL NOT WAIT 6+WEEKS BEFORE REPLYING TO THIS COMPLAINT LIKE THEY DID THE FIRST ONE.

Thank you for taking the time to complete this survey.

Your opinion is very important to us, and we truly value your feedback. 
LIAR, LIAR, LIAR
Consumer complaint received 2022-01-07
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. (CA)

XX/XX/XXXX I received a copy of my updated report after an investigation by Equifax. The report confirmation number # XXXX stated that the inquiry : XX/XX/XXXX. XXXX was deleted from my credit file. To this date of XX/XX/XXXX the inquiry still remains on my credit file. This was after I provided all the requested documents to Equifax
Consumer complaint received 2022-03-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2019-10-25
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. (NC)

I am victim of Identity theft and after presentation of law enforcement documents to each of the major credit bureaus the fraudulent account were blocked/removed. However, to my dismay the account have been placed back on my Experian Credit Report without any acknowledgement of reason or method of further validation ; which is a direct violated of my consumer rights under FCRA 605b and 611.The account that are fraudulent are : XXXX XXXX
Consumer complaint received 2023-02-08
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. (FL)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act

Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report Account Number : XXXX Please remove it from my credit report.

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT Account Number : XXXX Delete this account.
Consumer complaint received 2017-08-05
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. (LA)

I am filing a complaint due to Transunion reporting unauthorized credit inquiries on my report. I have uploaded supporting documents stating that I did in fact have a fraud alert on my my acct starting XX/XX/XXXX which would last 90 days and after the 90 days I have always added the fraud alert back onto my account my latest fraud alert ended XX/XX/XXXX and once a fraud alert is placed on my acct the CRAs that added the fraud alert are to notify the other CRAs to apply a fraud alert as well and they are to notify me anytime my credit is being run. I have disputed these inquiries by phone, online and by mail and you all have constantly denied to. I am suppose to be contacted every time someone runs my credit but I wasn't. I didn't authorize these inquiries, therefore my consumer rights were violated. Pursuant to  1681c-1, before establishing an account in the name of a consumer with an fraud alert on file, a creditor must contact the individual to confirm that the application for credit is not the result of identity theft. If the fraud alert contains a contact number, the creditor must either contact the consumer directly or take reasonable steps to verify the consumers identity before opening a credit account in the consumers name. I was never notified. I am demanding that the following unauthorized credit inquiries are removed from my credit report you all did in fact violate my consumer rights. Remove the following accounts and I would like a updated credit report within 30 days of these changes that will be made. >>XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX  XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX<<
Consumer complaint received 2020-05-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NY)

The merchant charged the wrong credit card. Instead of charging a card that XXXX had opened for me in XXXX in XXXX the company charged an account with Synchrony Bank that had already been closed. When I tried to file a complaint with XXXX with the XXXX  XXXX  XXXX  XXXX ignored it not just once but twice. The fraud department at Synchrony Bank said that there is nothing they can do and Synchrony keeps adding late charges onto the non existing account instead of transferring the charges to the legitimate account. Now that department will not even speak to me and refers me back to the person who transferred me to the fraud department in the first place who then spends 10 to 15 minutes typing into her computer and then saying there is nothing they can do. So the only recourse I have is to file complaints like this one and to advise people that they would be better off borrowing money from a loan shark than to do business with this so-called " bank. ''
Consumer complaint received 2022-04-05
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TX)

I made a check deposit at Wells Fargo ATM XXXX in XXXX location on XX/XX/2021 XXXX XXXX. I printed the receipt which says the funds will be available on XX/XX/2021. I knew it usually takes 2-3 business days for funds to clear up. At the end of the second business day i.e XX/XX/2021, I called Wells Fargo Phone Customer service about the deposit and if there were any issues. I was told by the agent that she could not find any information about the deposit. 

I called the check issuer to verify the validity of the check and they told me check is valid and should there be any issue, bank could call the number on the back. I was assured. 

I went to the same branch location where i had deposited the check at the same branch 's ATM. One of the Wells Fargo Employee helped me with the issue. What he told me what had happened really shocked me. He told me that the ATM or system read the same check twice, crediting me twice the amount of the check. He also said that later they fixed it by removing one of the reading, or say they made a correction to erroneous deposit. 

While they were supposed to take off just the copy of that check, my original check was took off too. Technically there was no deposit as during correction they managed to wipe the original entry for the check too. 

Now I don't have the money when i need it and the bank told me i'll have to wait 10 days at least to hear anything from them. I had plans. I had payments due. My life is miserable now since i don't have the money. The Wells Fargo bank just took my check and my money and pretty much left me to starve. 

I am worried. I am stressed. I am gon na have a lot of troubles because i don't have the money. I don't have the money because some bank didn't do what they are supposed to. Now whatever their reason may be, I feel like my money is being held XXXX when it should be freed to me. 

If they keep my money for 10 days, how much interest would they pay me? XXXX. Will they compensate for my fees that will incur because of this? No. 

That is why I have to make this complain. I hope this finds some resolve. Thank you.
Consumer complaint received 2018-04-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (NY)

Repeated calls from the number I submitted. Callers stating that I owe a debt with XXXX XXXX for {$690.00}. Caller states they work for " XXXX XXXX XXXX '' working fore XXXX XXXX. Asking to verify personal information such as last 4 of social and address. Very unprofessional sounding. Asking if I can " do something about that debt today '' or " can we take care of this ''. 

The are lying about the debt. I owe no money to XXXX or any other cell phone provider.
Consumer complaint received 2021-03-25
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: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I began disputing a charge-off that I don't believe to be accurate as well as a collection that is being wrongfully reported. After the bureaus didn't respond to my dispute request, I sent another dispute on XX/XX/XXXX. But again, the bureaus have not responded and it's now been 4 months of this!
Consumer complaint received 2020-11-12
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: MOHELA (IL)

Dear MOHELA/DOFED & XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 


I demand the following accounts be removed immediately. 

( Screenshot below )
Consumer complaint received 2021-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

Ive sent in letters disputing personal information, collection accounts, and missed payment accounts. Equifax stated that they didn't received my letters and I sent them certified and the letters were shown that they were delivered.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P. (CA)

XXXX/ XXXX has been putting an account on my credit report as long as I can remember. Since XXXX I tried to solve the matter with them advising that it was not my account or responsibility as I was a tenant only where the services were provided. I have disputed this account ever since with credit bureaus and they continue on reporting the account with different collection companies. I have proof since XXXX that this account was meant to be deleted on XXXX for {$1300.00} under the collections company of Southwest Credit Systems and this is after my second time disputing the account. Now, this same original creditor appears in my credit report with a different collection agency named XXXX XXXX XXXX but with a higher amount of {$1900.00} as of XX/XX/XXXX, and an opened account date of XXXX with an expiration date in the year of XXXX. Per the credit bureaus representatives, they can continue to dispute as I request but if the creditor continues to open accounts under different collectors they are required to report. Which makes it NOT FAIR because even if this account was to be mine, they would continue on reporting for the rest of my life?! 

This is affecting my credit tremendously and my finances as well, as it makes it hard to get a good interest rate on anything with low credit as this is the only account in collections that continues being so incorrectly persistent.
Consumer complaint received 2018-04-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Security National Automotive Acceptance (GA)

I purchase a XXXX XXXX XXXXXXXX XXXX from XXXX XXXX in XXXX Georgia. On XX/XX/2005. It was then financed by Security National Automotive Acceptance Corporation. At an interest rate of 13.90 and finance charges of XXXX which bring the total sale amount to {$24000.00}. At the time I did not understand credit or interest rate at the time I was a XXXX-year-old just enlisted into the military and was in need of vehicle to travel back and forth to work. When I was XXXX XXXX out of the military contact Security National Automotive Acceptance Corporation to inform them that I was no longer in the military and to stop the automatic draft that I had set up for years they refused to stop the automatic draft and my account was overdraft 4 times without my consent at the time I told them all so they could come pick up the vehicle and then that's when they told me they did not want the vehicle back and that it was no good I told him about all the maintenance that I had to do and all of the recalls on this vehicle. I tried also returning the vehicle back to XXXX XXXX 3 days after purchase they refuse to take it back due to the fact it was an as-is sale with no warranty
Consumer complaint received 2021-02-23
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: EQUIFAX, INC. (MA)

XXXX account number XXXX this account was never late. however it is reporting on equifax XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as 120 days late. it is also commenting all on 3 credit reports incorrect comments. we have asked they verify this information and have not done so. after multiple attempts we are using CFPB before filing suit.
Consumer complaint received 2022-04-05
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. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2020-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have made the payments to get the loan up to date but I have been able to get the car and they will not bring the car to me. This company did not talk to in the first place and I told them if they get the car to me I would take to make the payments but they will not bring the car to me and are planning on selling the car, I told them to go ahead and sell the car because I don't like to pay for something I don't have and never had from day one because they were talking to another person until I received a letter telling me that the car had been taken back. I am an XXXX year old person and I am trying to make ends meet with my income,