davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
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. (FL)

I reached out to Equifax on
XX/XX/XXXX and I spoke to a manger and I advised him that the inquiries listed do not belong to me and I have no knowledge of them. Of course he advised me to call each one of them and ask for removal. I did contact each one and was left with nothing, each of them told me they had no knowledge of what I was asking and could not help me nor could they verify that I allowed them to run my credit. I called Equifax back asking them to speak to someone in fraud about this and they transferred me over to be told there is nothing they can do and creditors can run my credit when they chose. I know this is incorrect and they suggested a fraud alert but I am in the market for a home and do not want to do that. I have attached a list of the inquiries that the manager told me to call. Please assist me with removing these.
Consumer complaint received 2021-08-06
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: ENCORE CAPITAL GROUP INC. (MA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (CA)

My trip was cancelled due to Covid and my trip was moved to XXXX XX/XX/XXXX. I also accepted a refund credit note which was due to expire on XXXX XX/XX/XXXX. As you can see from the email it was made clear to me that I would be refunded in full if I couldnt use it. 

XXXX XXXX went into administration and became bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for. 

I've been waiting XX months and my bank refuse to open up my XXXX XXXX dispute. 

*Please see the attached email sent to me by the insolvency practitioners, XXXX XXXX XX/XX/XXXX, informing me of the administration. 

According to the Fair Credit Billing Act it is my legal right to claim a refund when the service you paid for is not received due to a company 's bankruptcy. 

The merchant- XXXX XXXX XXXX has ceased trading. See Companies House as evidence that XXXX XXXX is about to be liquidated : https : XXXX The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In my case this date should be my new trip date of XXXX XX/XX/XXXX or my refund credit note expiry date of XX/XX/XXXX. 


I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed XXXX XXXX XXXX are advising me to do the same via this letter XXXX XXXX XXXX I have been informed by XXXX XXXX XXXXd the administrators for the company, XXXX, XXXX I am not financially protected in any other way.
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I opened several accounts wit h Wells Fargo afte r filing a Chapter  XXXX  Reorganization Plan.     Every time, I deposit a check, they place unreasonable hold on my funds.     Each time I deposit checks into my account,  Wells Fargo has a different reasoning for placing a hold on my funds.      If the check exceeds   XXXX  , there is a hold If the check exceeds {$5000.00}, there is a hold Meanwhile my funds are on hold, they are charging me overdraft fees for my automatic withdrawls.     I do NOT think it is fair at all, they have my money and are holding it unreasonably.      XXXX , from Pennsylvania and her  Supervisor   XXXX , no last names NOR employee numbers were available.     They further went to explain how the  Federal is HO LDING a portion of my check for Further Verification and Processing.     They claim that  Wells Fargo has N OT been given the funds even though the issuing bank has released all of the funds.     This is troubling to me in that i paid over {$200.00} in Bank fees last month. This type of practice is jeopardizing my  Reorganization Plan.      Please ask  Wells Fargo for  their side of this story.     Thank You,
Consumer complaint received 2018-03-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX had contacted me 4x on Monday, XX/XX/XXXX18. Once at XXXX and thrice at XXXX. I took a screenshot of the 4 calls made on my XXXX. I consider this harassment as far as a debt collection tactic goes.
Consumer complaint received 2022-01-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc. (TX)

National enterprise systems who is a third party creditor sent me a letter on XX/XX/XXXX stating I owed a debt. On XX/XX/XXXX I sent National enterprise systems a Debt validation letter, National Enterprise sent me a letter back on XX/XX/XXXX stating I owed a debt the company has not provided any contracts between me and the company and they have not sent anything back pertains to what I sent in the debt validation. National Enterprise Systems is in a total of XXXX violations. EXHIBIT A 15 USC1692B ( XXXX ) EXHIBIT B 15USC 1692 ( j ) EXHIBIT C 15USC 1692 ( j ) EXHIBIT D 15USC 1692 B ( XXXX ) EXHIBIT E15 USC 1692 ( A ) ( B ) EXHIBIT F 15USC 1692 B ( XXXX ) EXHIBIT G 15 USC 1692 XXXX EXHIBIT H 15 USC 1692 B ( XXXX ). 
I have explained over the phone to to XXXX different employees that I do not owe the debt. I sent the company a consumer affidavit of truth, Federal consumer violation invoice.
Consumer complaint received 2021-08-06
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: PENTAGON FEDERAL CREDIT UNION (MA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2017-04-25
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. (FL)

Experian has  XXXX   medical collections o n my report that are wrong. These medical bills are a part of a on going law suit and are covered under a letter of protection from my attorney. My attorney has already taken care of these collections when they were on my credit report from  XXXX  and  XXXX  and were removed. I do n't know what Experian 's problem is.     The  XXXX  collections are ...      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  2016  {$310.00} {$310.00}   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX   (   XXXX  )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  2016  {$640.00} {$650.00}   XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX   (   XXXX   )   XXXX
Consumer complaint received 2022-09-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE (MO)

I was involved in a romance scam. As soon as I found out that I was being scammed, I went to my bank, closed my checking account, went to the police department, filed a report with them, came home and began calling credit bureaus to put a freeze, other accounts to close them down, etc. this all started the last week of XX/XX/2022. I ended up getting everything taken care of due to the fraud except for a Barclays Personal loan for {$15000.00}. It is now at {$15000.00}. I even had a barclays credit card that was written off as fraud. As of last week, I was told that I had to pay the personal loan because I had given this person my personal information. I DID NOT give this person permission to take out all of the money. Barclays told me that they couldnt do anything for me. That i was responsible. I contacted XXXX and spoke to a credit counselor. I was advised to contact you. Please help me. I feel that this is unfair! I was a victim of fraud.
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My name is XXXX XXXX former XXXX ( XXXX ). I would like to file a complaint against Capital One for damaging my credit report. Account number belongs to my XXXX XXXX XXXX XXXX to whom I've been divorced from since XX/XX/2019. Apparently, I might have been an authorized user of his card, but this has never been my account. I am not the owner I have made several attempts to Capital One to resolve this issue and I was told that they can not communicate with me because I'm not the owner of the account. Please have Capital One remove this from my credit as it is damaging my future use of my credit and it's a liability to my future endeavors.
Consumer complaint received 2021-09-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (MS)

To whom It may concern : I had a XXXX XXXX credit card several years with XXXX XXXX I recieved a mailed brochure on XX/XX/2021 with a phone number to reject changes before XX/XX/2021 with Barclays Bank. 
I called the phone number given by Barclays XXXX on XX/XX/2021 to reject changes. I also called XXXX XXXX  and closed the XXXX credit card account on XX/XX/2021. 
I recieved a XXXX XXXX credit card today XX/XX/2021. This is after I rejected changes with Barclays bank and closing the account with XXXX XXXX 
This account should not have been opened at XXXX or the credit card mailed out by them. 
I want nothing to do with Barclays Bank or XXXX at this point. 
Can someone please figure out why Barclays is opening accounts, when I rejected all changes. Also after the XXXX XXXX credit account was closed on XX/XX/2021. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Ad Astra Recovery Services Inc (TX)

XXXX  Credit Report XXXX XXXX Credit Report I have sent 6 letters outlining there failure to abide by the FCRA and demand deletion of these accounts immediately. I have show previously on my credit report that they are violating my rights. There are 2 different dates and information for a collection with Ad Astra on my report. So how can it come back as investigated and verified as factual. My documents prove that the credit bureau did not do a competent investigation of the information when the dispute was assigned. I have also asked for validation and verification previously and never been provided service. Even though I supplied documentation that proved this account is inaccurate they have failed to recognize this and supposedly " verified '' the accounts as accurate. This is a violation of the FCRA which require them to complete a reasonable investigation, which was obviously not done in this situation. I have included all previous disputes to show pattern. 

I have also attached Credit Reports from XX/XX/XXXX and XX/XX/XXXX and Results of investigation with experian which show that reports are still not consistent and showing incorrect information. 

to show XXXX XXXX XXXX  XXXX  -Ad Astra XXXX Date of Last Activity 2 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX -XXXX  XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX Date of Last Activity 3 Different Dates on Credit Report Reaged XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX High Credit Balance incorrect Reporting Credit Balance on Report XXXX High Reporting Balance XXXX High Balance should be equal to or more than Balance. This is a violation of FCRA. 











I mailed letters on Dates XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: JPMORGAN CHASE & CO. (PA)

I pulled my credit file and i noticed that i have 2 recent inquiries from XXXX Card that i did not authorize or request. I do n't know where and why these inquiries are on my file they are dated XX/XX/XXXX and XX/XX/XXXX I did not apply for any credit from CHASE CARD
Consumer complaint received 2018-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NV)

I have asked Santander Consumer, USA NUMEROUS times to cease and desist communication with me and to discontinue reporting ANY AND ALL updates to the three credit bureaus effecting my score as they 've secured their vehicle a long time ago. Santander is constantly reporting late payments each month to the bureaus when I have not had possession of their vehicle and the account was charged off XXXX XXXX. In addition to that, they 're reporting a new address for me as XXXX XXXX XXXX, I HAVE NEVER LIVED HERE! I 'm tired of them holding my credit score hostage while I am actively trying to rebuild and reestablish myself. Santander is making it extremely difficult to move forward by literally harassing me about an account that is closed. Please investigate this matter promptly, my next step is to file a law suit against them, thank you.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Equifax + XXXX + XXXX, There is a credit card I am an authorized user on - that is not showing up on my credit reports - that should be showing up. 

This is for a XXXX XXXX XXXX XXXX  - dated XX/XX/2019 - it has always been paid on time. 

My drivers license ( for ID and address ) plus full account information is attached to this complaint. 

Please have this card show up on my credit reports as soon as possible.
Consumer complaint received 2017-09-25
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. (GA)

On XXXX/XXXX/XXXX I settled a collection account with XXXX XXXX XXXX, collecting on behalf of the original creditor XXXX. The settlement amount offered to me by XXXX was {$900.00}, which was paid via credit card ( see attached payment receipt ). At the time the account was settled on XXXX/XXXX/XXXX, XXXX had not yet been reporting the collection account on my credit report ( see attached XXXX credit report showing collections only, dated XXXX/XXXX/XXXX ). However, in XXXX, over a month after I paid the XXXX collection account, the collection agent XXXX XXXX XXXX reported a new collection account to the credit bureaus with a retro open date of XXXX. 
In XXXX XXXX, I spoke with a Diversified collection agent who informed me of the original creditors [ XXXX XXXX collection charges, and in response to whether the collection was on my credit report, I was told by the collection agent that the account was not yet reporting and would not report if I paid the debt prior to Diversified submitting the collection status to the credit bureaus. I, in turn, indicated that I would pay the account but only after I filed dispute with XXXX due to a discrepancy in the amount. The discrepancy was somewhat rectified and thereafter, I contacted XXXX again on XXXX/XXXX/XXXX. The collection agent stated the amount of the debt was {$1000.00} which was settled for settled for a lesser amount of {$900.00} ; account was paid over the phone directly with the XXXX collection agent on XXXX/XXXX/XXXX via credit card. Additionally at the time of payment I inquired with the XXXX collection agent as to whether the account was reporting to my credit and again, I was told the collection account was not yet reporting. 
I have credit monitoring for the XXXX credit bureaus, and in XXXX XXXX I received a credit alert that a new collection was placed on my credit file, and as a result my credit rating was adversely impacted and my credit scores had significantly decreased. Since the XXXX collection was settled prior to the account being reported, I filed dispute with the XXXX major credit bureaus, XXXX XXXX, Experian and XXXX. To no avail, the dispute was closed indicating that the account was being reported correctly.
Consumer complaint received 2021-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact these accounts are in dispute. The accounts are as follows : XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX  XXXX XXXX # XXXX ; XXXX XXXX  # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX # XXXX and PUBLIC RECORDS accounts. Every single one of these line items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus multiple times to review and fix these accounts however, I have not been successful.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

On XX/XX/XXXX I made my regular payment through XXXX to TJ Maxx Credit Card. I always pay balance in full. I accidentally put in two additional zeros  in payment. The balance was {$930.00} and entered {$93000.00}. I made the same mistake once before on another credit card and it was no problem. TJ Maxx accused me of not having intention to pay credit card. No one would even talk to me about it. They just kept saying your account is closed. If they would have looked at my records, i have always paid my balance in full. I have great credit rating and am afraid they might ruin it by their accusations. The XXXX  site reversed the transaction and then I paid the balance in full but TJ Maxx still closed account and said I am a high risk. I had purchased a lot of things in both TJ Maxx and XXXX during the holidays as I send gifts to nursing home residents, and women who I know are trying to go back to work and gifts for homeless. I am just outraged that they have accused me of this. My credit score is over 700. I have never had anyone accuse me of not paying bills, etc. and I am not a high risk. Anyone who had any sense would know that it was a mistake because of the amount of money. also, I paid balance in full on XX/XX/XXXX when I realized the problem. I feel I have been treated unfairly especially with the credit card record I have with them. No one will even discuss with me on phone. Last time I tried was XX/XX/XXXX. I do not want them to in any way hurt my credit.
Consumer complaint received 2023-05-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (PA)

On XX/XX/2023 I had a negative XXXX $ in my account when I woke up on the next morning I had a positive XXXX $ in my account when I called they teller informed me that was my balance so I spent the money when I woke up the next morning they put me in the negative XXXX XXXX plus dollars and said that it wasnt my money. so they made me pay the full balance its a recorded conversation for this proof Just a week later it happens again and now my account is in the negative balance and they trying to make me pay when I never spent money on a negative balance they trying to say I didnt have the funds in my account when I went into the negative I have proof that I had money on my account at that time I have a screenshot of that date XX/XX/2023 that I had XXXX $ too spend which should of cover the cost of them transactions Sincerely yours XXXX XXXX Thanks for your time