davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

On XXXX XXXX XXXX, 2017 : I noticed on my account the withdrawal of XXXX. I called immediately and asked why and was promised a call back that was never received. I then called today and after a long wait, I then got through to the Online Banking team and was told my account was under investigation, I asked for a timeline so I can retrieve my funds. I was told I can not have that information. As you can see that is not convenient for me as I use my account for business activities.
Consumer complaint received 2021-10-05
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: Experian Information Solutions Inc. (AR)

I have been showing three hard credit inquiries on my credit report with all three major credit agencies including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, with XXXX credit reporting ... ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX with XXXX Credit Reporting agency and XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX all with Experian Credit Reporting Agency.I have never filled any applications out with these companies nor have I ever provided a authorized signature with any of these companies to run my credit as these need to be removed from each credit agency accordingly and in conjunction with the FCRA.Will you please help me get these removed from all three credit reporting agencies as I did not authorize any of these inquires? Thank you for your help and time in resolving these matters. XXXX XXXX
Consumer complaint received 2018-03-26
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: WELLS FARGO & COMPANY (WA)

I have applied for a Wells Fargo credit card on Wells Fargo website. 

One of the questions on the application was related to citizenship. I am not a XXXX XXXX, I am working in US on a XXXX XXXX. 

After submitting the application, a hard pull was made. A few days later a letter was sent to me saying I was required to send over a copy of my social security card. I have faxed them the details on Friday, XX/XX/XXXX. 

When I called Wells Fargo today ( Monday, XX/XX/XXXX ) to inquire about my status they have mentioned that the application was declined as I was not a XXXX XXXX. 

This information was already known from my application form wherein I had mentioned that I was a XXXX XXXX, but not a XXXX XXXX. 

Why was my credit history pulled when it was already known that I was not a XXXX XXXX? 

Wells Fargo application number : XXXX
Consumer complaint received 2017-07-28
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. (GA)

On XXXX XXXX, 2017 I checked my credit reports and I was notified that a public record and a bankruptcy ( legal item ) from circuit court was removed from my credit report. Under the new law effective XXXX XXXX, 2017 any public record data and legal item must include the consumers name and address as well as social security number or date of birth in order for any records to appear on their credit file. The credit bureau removed the records and has since re-inserted them on my report. Per the new law true Bankruptcy listed does not include XXXX this information and should be deleted from my credit report. In addition, XXXX XXXX or any other consumer reports.
Consumer complaint received 2021-04-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company (IL)

I contacted Merchants Credit Guide asking to validate my debt instead they sent me a bill I sent another validation of debt letter and they sent a letter dated on XX/XX/21 stating they will reach out to creditor to obtain validation documents if not obtained they will close account cease any further collection activity and return account to the creditor. This company has failed to validate my debt and is still reporting this information on my credit report. Please remove from my credit report this company has failed to validate debt
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NJ)

I have disputed an account reporting on my credit report with XXXX Credit Bureau as well as the XXXX this has been ongoing for months. 
I havent received any results.
Consumer complaint received 2019-10-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (OH)

I just filed a few minutes ago about the same company. I didn't realize they already took payment for one of my accounts for the XXXX and another for the XXXX in the amount of {$30.00} when they already took {$110.00} out my account to catch up past due balance.
Consumer complaint received 2024-01-31
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc. (CA)

I sent an email in XXXX or XXXX XXXX XXXX explaining that I am XXXX and unable to use my degree. I also explained I work a minimum wage job with casual hours ( XXXX days a MONTH with modified hours ) so I make basically no money. They emailed me back on XX/XX/XXXX saying my monthly payment amount would be {$0.00} for XXXX months. This was a huge relief off my shoulders. However I have received XXXX bills for {$34.00} since then. I emailed again confused explaining my approved amount was {$0.00} and I can not afford this other amount of {$34.00} they say I owe, but all they said after XXXX weeks or so was sorry about the confusion its {$34.00} I need help lowering my payment to {$0.00} a month or I will have to give up a life altering prescription. I need more information about the different options and have asked to speak with someone over the phone. Any time I have tried to call I have never gotten through to a real person and can be on hold anywhere from XXXX hours. The emails I get back only address part of my concerns and they feel insincere or automated. They have not offered any kind of XXXX relief/repayment plan or information. Ive asked several times for someone to contact me or send me a direct phone number because I dont have time to wait on hold all day long to MAYBE talk to someone. I was able to borrow money from a family member to make XXXX payment but I absolutely can not afford to make another. I was switched to this loan servicer from XXXX awhile back without any notice or my consent. XXXX was a much better company. Aidvantage has been nothing but horrible and frustrating. XXXX has better customer service. The DMV HAS BETTER WAIT TIMES. Literally the worst company ever. Even if it was a mistake saying my payment would be {$0.00} when its actually almost {$40.00} is unacceptable.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (PA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. 
Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name SYNCB/GAP Account Number XXXX Account Type Charge Card Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$480.00} written off. 
Status Updated XX/XX/XXXX
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CNG FINANCIAL CORPORATION (TX)

XXXX XXXX XXXX is a creditor reporting on my credit. They sold the debt to XXXX XXXX, XXXX. XXXX XXXX went through proper channels to send documentation stating they own the debt. At least six months to a year went by and XXXX XXXX then sold the debt to XXXX XXXX XXXX. XXXX XXXX XXXX has not sent any documentation proving they now own the debt. I did speak to them once to obtain a letter that reflects a payment arrangement. I did not sign the payment arrangement agreement. They got my debt in their office and started calling me along with my boyfriend before sending any documentation via mail or email. The one document I did receive was a payment arrangement that I did not sign. They still proceeded to take my payment anyway without my signature and have left me two voicemails today. I have zero evidence that they own this debt and each voicemail they leave keeps getting more aggressive & threatening each time. They are in violation of FCRA, as they are contacting me about a debt for which they have no evidence, if they do they have failed to mail or email me.
Consumer complaint received 2017-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

Under the new law effective XX/XX/XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. the Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Consumer complaint received 2018-01-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: International Computer Systems, Inc. (TX)

XXXX XXXX XXXX, XXXX XXXX - VP of Operations XXXX The basis for my dispute required to notify me prior to, or no later than 30 days afterXX/XX/XXXX, 2016 XXXX XXXX XXXX, XXXX XXXX - VP of Operationsfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 
Also, XXXX XXXX XXXX, XXXX XXXX - VP of Operations '' failed to give me my " MiniMiranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 
Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX, XXXX XXXX - VP of Operations failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 
I attached a copy of the law and the actual document from the federal reserve XXXX XXXX XXXX, XXXX XXXX - VP of Operations is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

XXXX, Equifax, and XXXX all make freezing and thawing my credit extraordinarily difficult. Even in times of obvious and publicized hacks of their databases -- putting my and millions of other American 's secure information in the hands of criminals -- they are making the act of freezing and thawing my credit nearly impossible and re-directing me to PURCHASE products from them to prevent my information from being stolen. HELLO!? 

The U.S. government needs to step up and take the keys to the castle away from these fraudsters. It 's time to take control and start saying no to the companies that are acting no better than the petty thieves and hacks corrupting their databases.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC. (MA)

I fell victim to fraud and someone in XXXX has my card info. They seemed to hack my debit card info. I have gotten XXXX new debit cards now and the latest one is being used before it has even arrived in my possession by the same person who has been using my past cards in unauthorized fraudulent charges and I have reason to believe the banks security has been compromised as my new debit card which I have not even received in person yet is being used.
Consumer complaint received 2022-09-09
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: TOYOTA MOTOR CREDIT CORPORATION (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : TOYOTA MTR XXXX Date Opened : XX/XX/2018 Balance : {$1400.00}
Consumer complaint received 2022-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MO)

I opened a line of credit with Zales Outlet in XXXX. I purchased a piece of jewelry in which I had 18 months to pay off with no interest. Covid hit in XXXX and I paid the remining balance off with my stimulus check. I then received a letter stating I was a week late on paying the balance off and I now owed them the interest charges. I explained that I used my stimulus money to pay the balance and also explained that due to covid I was not working as I work in the entertainment district for the city and the entire city was shut down leaving me with no work. 
I asked to have the amount removed and was told no I could try to come up with something and send it in. I explained I would not have anything and how I sent in my stimulus to pay it off and not have to worry about a balance or the company not being paid at all. 
I now have the interest fee on my credit as a negative balance of XXXX from XXXX XXXX  XXXX. I am not sure if they sold the account to someone or what happened as I have not heard anything from them.
Consumer complaint received 2022-09-09
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$130.00} ; XXXX XXXX XXXXXXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$240.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2022-09-09
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. (CA)

In accordence with the Fair credit reporting act XXXX Account # 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 A It also states a consumer reporting agency Can not furnish a account without my written instructions XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX $
Consumer complaint received 2018-01-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (AZ)

A debt company called XXXX XXXX reported a claim to my credit report, and kept calling me repeatedly with alleged debt, I sent a letter asking for validation of the debt, which should under my rights of FDCPA include 1. The  agreement bearing my signature stating that I have agreed to assume the debt 2. Proof of statute of limitations that has not expired 3. Agreement with the creditor that authoritezed them to collect on this alleged debt and a few more, in repose to my letter to proof validation of debt this company only sent a screen shot of there computer screen which does n't included anything I asked and not does it validate the debt, they also sent me a list of states they are able to collect and my state was not one of them, I called the number provided XXXX to ask why they did n't send the proper documentation, they kept transferring me from agent to agent after about 5 transfers and no answers to my question I asked for a manager and I was denied, and I kept getting talked to in inappropriately and hangued up on. This Company needs to find ways to better assist consumers.
Consumer complaint received 2022-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

On XX/XX/2022 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'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2018-03-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY (SC)

A student loan from Wells Fargo was taken out by my daughter who e-signed for {$15000.00} for XXXX XXXX on XX/XX/XXXX. She used me as a cosigner without my consent and again e-signed for the loan. I was at work at the time at a XXXX  XXXX XXXX and was unable to use a computer to e-sign for the loan I did not give my daughter permission to use me as a cosigner. She has since defaulted on her school loan which has left me financially responsible for it. I have contacted wells Fargo about this incident. I even hired a lawyer to try and resolve this issue They keep sending me fraud packets of which I have sent them the documents that I feel are relevant to this case.. They wanted hand writing samples which I said were not pertinent to my case because nothing was signed. It was all done on the computer. 
I spoke to XXXX XXXX XX/XX/XXXX about the fraud complaint and they are giving me the run around. I only have a few more days and if I don't give the hand writing samples they are closing the case and I will be responsible for paying the full amount of the loan. The person I spoke to didn't seem to have a clue to what I was talking about. And said he would get back to me within 10 days which would be well past the 14 day time limit that they gave me in writing.
Consumer complaint received 2017-07-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

AMSHERCOLLECTIONSERVICES XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX Amsher is trying collect this debt that is not mine.
Consumer complaint received 2022-09-09
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. (CA)

In accordence with the Fair credit reporting act XXXX  Account # 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 A It also states a consumer reporting agency Can not furnish a account without my written instructions XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTES XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX $
Consumer complaint received 2022-09-09
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. (SC)

I have looked into my credit report with XXXX and they have false numbers, addresses, and show delinquent medical accounts that are showing they are in collections. And they are not. They will not remove or update these problems. Nor will they give me a copy of my full credit report. It is because of them that I have been turned down for credit in the past 2 weeks.
Consumer complaint received 2017-10-09
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My sister stole my social security number and applied for 2 different credit cards in my name. ( XX/XX/XXXX 2017 ) She has since gone to jail and treatment for it. I have tried to dispute it on XXXX XXXX, XXXX  and XXXX and it is still showing up as a hard inquiry. I made capitol one aware of this and they cancelled the card. What can be done about getting this off my credit score? This has had a major negative effect on my credit score, life, future. Please help!