davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
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: EQUIFAX, INC. (NC)

There are two hard inquiries on my credit report from the same company that I did not authorize. The company is XXXX. The date of the inquiries are listed as : XX/XX/2019 and XX/XX/2019. I have NEVER done business with this company, nor have I authorized any type of credit check. I've contacted both XXXX and Equifax directly, to no avail. Neither of these agencies can show proof that I have ever done business with XXXX, yet for the last year has listed the inquiries on my credit file. Equifax has the audacity to put the burden of proof on me by requesting that I investigate my own claim, in an effort to prove " fraud '' ( get a police report, have XXXX submit a " removal request '', etc. ). This is ridiculous! Shouldn't Equifax be the ones conducting the investigation and having XXXX provide the burden of proof? This is a blatant violation of my rights under the Fair Credit Reporting Act. Hard inquiries have an adverse affect on your credit and score ... this erroneous reporting has had a severe negative impact on me and I'd like the items removed immediately!
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MT)

Hello, Comenity has continued to report a balance on my report months after this was clarified. 

It is greatly affecting my credit, as this card is showing 263 % over limit, when the card is completely paid off. 

COMENITY BANK/XXXX  Last reported XX/XX/2020 {$260.00} Open balance {$100.00} Credit limit Balance carried not confirmed Credit limit {$100.00} You're using 263 % of your account 's limit
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NY)

I've called Synchrony numerous times, regarding a credit inquiry on my XXXX credit report, XX/XX/2018, regarding XXXX XXXX XXXX. I then asked under fair consumer law section 604, please provide me information of my signature consent to have my credit looked into. Wheres the application with signature? 

I was made aware that SYNCB has no contract with this company, and such application exists from me. This info was made clear on a recorded conversation that they recorded and so did I. 
I asked for it to be removed this inquiry is false, they would not comply nor provide the accurate documentation proven that I agreed to this inquiry. I wish this to be removed right away.
Consumer complaint received 2020-12-09
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. (NC)

I have a XXXX XXXX credit card that is being reported by the CRAs as late for the following months : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This information is inaccurate and despite providing proof of payment to XXXX XXXX on several occasions, my payment history has never been updated or corrected by the CRAs. This is a violation of the Fair Credit Reporting Act and I would like the erroneous information removed immediately. This inaccurate reporting is having a severe negative impact on me!
Consumer complaint received 2017-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (OH)

I just recently opened my bank account here and I wish there was better clarification about the overdraft policy. But that is irrelevant. I entered into a contract and I was told by the company that I entered into a contract with that they would let me know if I was approved for the contract and then if I was approved that they would charge me a XXXX dollar payment. Since, I was never notified about my approval status, I was under the impression that I was rejected for the contract. However, I found out that they charged me a XXXX dollar payment and that I had somehow had been approved along the way without notification. Obviously, this is an incorrect practice. But First National Bank is punishing me for an action beyond my control with a XXXX dollar overdraft fee. Furthermore, I was locked out of my bank account and could not access it. If this bank error had not occurred and I had not been locked out, I would have been able to find out that my account was negative and restored it to a positive balance just in time for the overdraft fee not to be assessed. The bank account could have only been unlocked with a phone call to the bank customer service representatives and I was extremely busy nor did I know that I was going to be charged the payment ( and thus the overdraft fee ). Also, if this fee was assessed during the night, the customer service representatives were not available at that time.
Consumer complaint received 2020-10-28
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. (NY)

Experian, XXXX  and XXXX have failed to respond to my disputes about accounts that are reporting on my credit report that does not belong. I WROTE THESE COMPANIES ON 3 DIFFERENT OCCASION. THEY ARE VIOLATING MY RIGHTS BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT
Consumer complaint received 2020-10-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC (LA)

I purchase the loan from westlake financial for {$13000.00} with a term of 48 months i been constantly making payment each month without missing any payments. I brought the XXXXXXXX XXXX XXXX on XX/XX/XXXX from del-auto, then i request for a payments history on my account it showing that some of my payments showing undefined, one dollar been deducted from the balance which remain the same after 31/2 years of contract payments, also my account show that the agency XXXX that was drafted out of my account that wasn't apply to my account balance. when i tried to contacted customer service or a manager there were no responds to this matter. My income is one a month SSA, during the COVID-19 westlake financial would not help any of their customer doing that difficulty time. so the amount of payments has a error with the incorrect balance that i begin when i first purchase the car for that price. so westlake finanacial sent a towing company call quick assess recovery who vadil, damage, missing personnal items from my car when they reprossess for one month of missed payment. I have all my documents showing the payment that was drafted and never apply to my account. i feel that this matter need to be address or investigate. I appreciate if you look into this situation fully. westlake financial XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX or XXXX customer service my name XXXX XXXX account # XXXX email adressed XXXX XXXX
Consumer complaint received 2021-08-18
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: Jon Barry and Associates, Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-04-28
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. (OK)

On XX/XX/XXXX I attempted to contact XXXX  to let them know that there was incorrect reporting on my credit report for the account of XXXX MC and I was not able to submit the dispute because it is stating that I already had an open dispute so I would not be able to dispute the information. 
On XX/XX/XXXX it was reported to Experian and XXXX  that the account credit limit was decreased to {$100.00}, this information is not correct. This same error has appear on my XXXX  Report as of XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX I spoke with 3 separate representative from the XXXX credit card company and they all have stated that my credit limit is still {$1000.00} and there has not been a change. It was an error on the credit bureau part. Their phone number is XXXX.
Consumer complaint received 2019-06-05
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: EQUIFAX, INC. (MS)

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX/XXXX partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Consumer complaint received 2020-10-28
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: STATE FARM BANK, FSB (TX)

Good Day, I am XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KS)

When applying for a loan in 2015. I was denied due to Equifax not reporting my credit. The loan agent sent me a document from XXXX stating I could request a suppression on my credit. I never requested one. 

For a few years I have been trying to resolve this issue with Equifax, they claim I do not exist or can not verify who I am. I have sent them all of my documents confirming who I am. 

My XXXX and XXXX credit is fine. They both receive the info from my lender on my auto loan. The lender sends the info to all three bureaus. XXXX XXXX sends my info to all three bureaus, but again Equifax does not report it. 

This problem has kept me from purchasing vehicles, a house, I couldn't even go buy a new washer and dryer. When I went to a local store to buy new appliances they claimed I had no credit, then they asked me to confirm my identity, I did. And they proceeded to tell me the information does not match with my social security number and that I show up as a woman living in Utah. Which is incorrect. I have never lived in Utah, and I am male. 

It's extremely frustrating that I pay my bills on time and have good credit with the other 2 credit bureaus, to turn around and be denied a loan because of an apparent mistake on Equifax ' part. 

Any information I can get to solve or help determine what happened would be great. 

Thanks
Consumer complaint received 2021-04-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (SC)

DSNB MACYS this account has charge-off status and yet there is a past due balance on your report. I have requested debt validation and Macys have failed to comply on several occasions. 

All Listed accounts on my attached dispute have failed to provide debt validations since XX/XX/2020.
Consumer complaint received 2021-08-18
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: BARCLAYS BANK DELAWARE (NY)

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2020-10-27
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: JPMORGAN CHASE & CO. (CO)

I purchase tickets in XX/XX/XXXX for a sporting event in XXXX XXXX in XX/XX/XXXX for XXXX euros. The event was delayed and then canceled and in XX/XX/XXXX a credit was issued the the card, which had since been cancelled. Upon being notified in intended credit. Once notified the credit would be sent, I contacted chase to ask what needed to be done as the credit card used for purchase had been cancelled. Chase rep. Told me not to worry, credits would be accepted and they would forward me a check, may take a couple of weeks. I followed up with chase several times I. The following 2 weeks, via phone calls and secure messages, and was told they had no record of the transaction. On XX/XX/XXXX, I provided them the information provided from the merchant of the exact date and time of the credit transaction. Ive received 2 letters from chase that my inquiries are closed, one referencing the last 4 numbers of a credit card that does not match either of my chase cards. Ive been told that they hold those funds to end of year, that I had to write a letter and send to chase and other stories from the various escalations over 5 hours of phone calls. Per the merchant, the credit was sent 7 weeks ago, Chase still claims they have no record of transaction. Each time I call they escalate to another department that I can not have contact information for, and I never hear from them. I have to expect an ordd HD animation like chase experiences this issue often enough that they should have an effective process to manage, vs bounce their customers to multiple different contact centers and departments, many of which dont understand the information I am providing is related to a card Chase issued. How do I get chase to work with the vendor to resolve the issue, whether the credit transaction was attempted and successful or rejected by Chase. Thank you
Consumer complaint received 2022-04-07
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: ENOVA INTERNATIONAL, INC. (SC)

This bill has been on my report in different names. This has been paid in full using the Law office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was paid off in full.
Consumer complaint received 2020-10-27
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: Experian Information Solutions Inc. (NJ)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-10-27
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: Experian Information Solutions Inc. (MO)

I'm demanding that the following fraudulent accounts inwhich derived from identity theft be removed & blocked from my credit files. 

1. XXXX ss {$71.00} 2. XXXX {$100.00} 3. XXXX XXXX XXXX  {$470.00} 4. XXXX XXXX AU {$83.00} 5. XXXX {$760.00}
Consumer complaint received 2020-04-28
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

USDOE/XXXX  XXXX {$5800.00}
Consumer complaint received 2021-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Yesterday i check my TransUnion credit report and noticed that there are unauthorized inquiries on my report. I called them 3 times and no one has offered to assist me in correcting the issue. I would like to file a complaint. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX. XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2020-10-27
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: EQUIFAX, INC. (MO)

I'm demanding that the following fraudulent accounts inwhich derived from identity theft be removed & blocked from my credit files. 

1. XXXX/ XXXX  {$71.00} 2. XXXX  {$100.00} 3. XXXX XXXX XXXX {$470.00} 4. XXXX XXXX XXXX {$83.00} 5. XXXX  {$760.00}
Consumer complaint received 2020-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.
Consumer complaint received 2021-08-18
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. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (IL)

In XX/XX/2019, we asked to apply credit from over paid amounts in the past to our current due payment. The agent at Loancare said they would apply the credit. We paid {$1300.00} and they were to apply a credit of {$140.00}. They never applied the credit and we paid our amount due on time, because the credit was never applied they said our payment was late and now shows on our credit report as a late payment. This is incorrect and an error on Loancare. The phone call was recorded when we asked for the credit to be applied. We have filed multiple times for this to reviewed and is always denied. We have been trying to call since May and have been unable to speak with anyone about the issue or get it resolved. We were able to speak with a manager recently and they also agreed they were in the wrong and listened to the whole phone call. The manager stated when making a decision they dont review phone calls. We are now unable to speak with this manager again as when we are able to get through they state they can not transfer calls to other agents. The phone call needs to be reviewed as Loancare need to remove this late payment from our credit report.