davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (PA)

I received my US Bank Relia Card with my unemployment money on it. Then about a month ago There were 4 XXXX XXXX ( {$220.00}, {$100.00}, {$60.00} & {$39.00} ) charges made to my card the I did not authorize. ( I do not use XXXX XXXX, XXXX XXXX, or XXXX XXXX ) They were made in California and I live in Pennsylvania. I immediately called Relia Card and spoke to XXXX & she said this was huge doing to PA people 's cards they would open a dispute and send me out paperwork to fill out to get it resolved and I had to pay {$15.00} to get my card over night to me. I filled out the paperwork & faxed it right in. The money was then returned to my account. The day after getting the new card again someone charged a XXXX XXXX in California for {$55.00}. Again I called and this time I explained what happened and was told a new card would come out to me. I asked to speak to a supervisor in the fraud dept and was on hold for over 2 hours not speaking to anyone so I hung up. I had not even authorized that new card yet. This afternoon I went onto the account to check about a charge and found again that someone had charged a XXXX XXXX from California for {$46.00}. Also the charge for the {$55.00} was taken off my account activity listing but not back into my account. Infact the account is missing, {$0.00}. Again I called and again Relia Card speaking to XXXX who said I would have to have a new card sent out to me again but before that he wanted me to speak to the fraud dept and placed me on hold ( 2 hours again ) to get to the fraud dept with no one answering so I hung up. I am getting tired of this.
Consumer complaint received 2018-01-17
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: EQUIFAX, INC. (NJ)

XXXX Student loans sold many of my private loans to XXXX. While looking at my credit report I see several " payments '' made to XXXX that I never made, therein extending the reporting period on my credit report. These payments appear to be a direct result of the transfer between XXXX to XXXX and therefore should not be represented on my credit report. 

I have NEVER made a payment to XXXX, so I tried contacting the company through XX/XX/XXXX and have made several complaints with the XXXX XXXX XXXX. To date XXXX has not given me any information on the alleged " payment '' that were made by me through XX/XX/XXXX besides some graphs that could 've been made in XXXX XXXX. None of the items furnished even have an account number so it is impossible to link them to my account. I argued that if these payments were made XXXX should be able to furnish proof of these payments via EFT confirmations, voided checks, etc however they refuse to give me any information.
Consumer complaint received 2021-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (GA)

Im issuing this complaint due to a violation of my HIPAA rights. I do not have a debt with this company. Ive repeatedly requested debt validation from this company. I will forward my last letter sent to Americollect via certified mail, where I requested : 1. Proof of Americollect right to own or collect this debt. 2. Balance owed including all fees, interest, and penalties. 3. Contract bearing my PERSONAL SIGNATURE. You will notice that Americollect sent a response that failed to address the three requirements federal law states must be provided to validate and authorize ALL CREDIT DEBT! Unfortunately Americollect has failed to provide me with ANY of the information I requested and is REQUIRED by law to provide. By law Im utilizing the Estoppel by Silence defense in that Americollect has chosen to remain silent by not providing information federal law states Must be provided in order to validate ALL CREDIT DEBT! The ONLY applicable remedy is for this debt to be IMMEDIATELY removed from my credit report. Americollect is unauthorized to own, collect, or report this or ANY DEBT concerning XXXX XXXX.
Consumer complaint received 2020-04-19
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: Experian Information Solutions Inc. (NV)

experian has not responded to the dispute time frame and has eronious info on my credit reports and my iquiries count has not been current according to the dispute time frame?
Consumer complaint received 2020-04-19
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. (NJ)

This week I recieve some random letters and documents from XXXX XXXX XXXX, but after more than 30 days of claims and requesting specific documentation, XXXX XXXX XXXX clearly FAIL to provide me a Signed contract between my person and them. When I mean signed contract I mean a contract with my signature and an XXXX XXXX XXXX representative signature, date and or time on the contract. Neither XXXX XXXX XXXX provide me wit the contract between them and XXXX XXXX XXXX where stated for how much they sold this account together with all my information.
Consumer complaint received 2018-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On Monday XX/XX/2019, I made a payment onto my Capitol one venture card through the mobile app. I attempted to pay the minimum payment of {$49.00}, but it went through as the entire balance of the card of {$4900.00}. On the morning of Tuesday XX/XX/2019 I was notified that my checking account was negative {$3300.00}. My balance before that was {$1500.00}. The difference was pulled out of my savings account to make there be sufficient funds for this payment. This payment was not supposed to happen. I am a student with no income and need this money to not only helps me pay for school, but for all my bills. I have talked to no less then five different people at Capitol one, including a manager, who all claim that there is no way for this payment to be reversed. All of the people I have talked to at Bank XXXX XXXX have stated that this claim is ridiculous. They have people make mistakes all the time through the bank and the payment just becomes reversed. XXXX has filed a claim for a charge back to Capitol one to attempt to get my money back. They will give me a credit for the amount I lost within 24 hours. The claim processing time takes around 45 days, but if Capitol one declines to pay back the funds, then the money from XXXX gets taken back, which basically means I can't spend any of it just in case they don't approve the charge back. I'm at a loss.
Consumer complaint received 2023-04-04
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 (NY)

Hi i went to a car dealership XX/XX/23 the car dealership were doing alot of fraudulent activity which i was unaware of until i started seeing inquiries on my credit report i gave them authorization to run my credit for a bank loan in which they stated they did the apparently one of the sales man slipped up and stated we ran her credit over and over to bring her interest rate for the vehicle she wants higher so i asked them why are they runing my credit several times the sales man stated they only ran my credir once and is awaiting a banks approval her i am looking at my report and I have 5 hard inquiries on my credit report i called them over and over i am now not getting an answer or anything they ran my credit with 4 different banks nd it cause my credit to decrease i would like for these hard inquiries to be erased from my report so that i can go to someone legit with the proper credit to get a car with these hard inquiries i wont be able to please let me know the next step
Consumer complaint received 2021-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (FL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-08-17
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: World Acceptance Corporation (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 2021-08-17
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: Adler Wallach & 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 2020-12-08
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)

Transunion credit report : XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified Transunion. 

XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified Transunion. 

XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX several times to report they can't do anything, don't see anything regarding my information, and can't send me anything. Police won't do a police report. I also reported to usa.gov. I notified Transunion. 

XXXX  credit report : XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report. Police won't do a police report. I also reported to usa.gov. I notified XXXX. 

XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX XXXX several times to report, they don't see anything with my information, and can't send me anything. Police won't do a police report. I also reported to usa.gov.I notified XXXX. 

XXXX XXXXXXXX XXXX XXXX-fraud hard inquiry on my credit report- I didn't apply-inquiry date XX/XX/XXXX. I called XXXX several times but can't reach anyone. Police won't do a police report. I also reported to usa.gov. I notified XXXX.
Consumer complaint received 2020-12-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (SC)

Opened a Self Credit Builder Loan in XX/XX/2020, reduced hours and eventually lay off within 2 weeks due to the National Coronavirus Pandemic. Contacted Self to close the loan and account. Account was paid in full by security interest Certificate of Deposit. 

Account was not closed until lender showed 3 late payments. The account is showing closed on my report but not reflecting accurately as to payments. There were no payments made or due as the loan was not open long enough and was immediately paid in full. 

Have contacted the company and have encountered long wait times and then promises of corrections and email updates that never come to fruition. 

This is incorrect information and is impacting me negatively and severely for a situation that was totally out of my control. 

I never fell behind on payments or asked for any special assistance in regards to the acccount. Simply requested it be closed. Then requested the information be reported accurately which has not occurred to date. 

However I am now requesting that the company delete the account and record to all three bureaus as having never existed. 

I have since regained employment and started financial recovery from the Pandemic. I chose to open a new account with Self and it is being reported accurately at this time.
Consumer complaint received 2021-04-30
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. (CO)

Equifax has my loanpal acocunt under the name XXXX XXXX XXXX while using my Social Security nuimber. My legal name is XXXX XXXX XXXX. Equifax still has not allowed me to dispute this and they refuse to provide any support on this. This needs to be fixed so the name on my account matches the name on my Social Security Number
Consumer complaint received 2021-04-27
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AR)

Hello I have disputed with both Experian and the collection company on the inaccuracies being reported on my report. I sent certified letters on XX/XX/2021 with no response to the company. XXXX XXXX XXXX has violated my ( HIPAA ) rights as I have asked them to provide documentation of my written signature stating the release of any information or contract I have signed be provided to me. I am allowed to have my privacy PROCTED. I disputed on XX/XX/2021 with Experian. See CERTIFIED LETTER .. Experian has allowed this violation by continuing to validate and not verify this information. The results of there dispute are attached along with letter I sent to them requesting verification.
Consumer complaint received 2017-09-19
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. (KS)

On XX/XX/XXXX at XXXX XXXX C.S.T. I spoke with an attorney for XXXX XXXX from phone number XXXX. At that time, the attorney wanted to get the jist of my complaint to the Consumer Financial Protection Bureau. I advised the attorney that I did not recall the loan and that I had a live in fraud alert on my credit bureau because my former live in boyfriend had stolen my identify ( which I did not find out until months later ). I did not get to take advantage of these funds and after being threatened repeatedly with jail and repossession of my vehicle by their collectors I paid the bill out of fear. 
Subsequently, the attorney under both the American Bar Association Regulations and Federal Statutes has a duty and an obligation to review the complaint. According to 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ). & FCRA 605A ( h ) ( 1 ) ( B ) Potential creditors must use reasonable policies and procedures to verify the identity of an applicant before issuing credit in the consumers name. 

In reviewing the loan documents XXXX XXXX referred over there was no proof of identity provided. No copy of my original signature or drivers license that would be the very least reasonable procedure instituted and is industry standard when faced with any consumer transaction, especially those involving identity theft. 

I have made attempts to resolve this with the company that at this point is destroying my credit and causing me to incur damages as a result of their refusal to comply with state and federal laws. I kindly request that the following item be deleted from my credit report as it is not mine. If XXXX XXXX continues to blatantly violate the law, I will be forced to seek civil damages and injunctive relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT XXXX
Consumer complaint received 2022-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo brgan declining my transaction and I kept having to call them. Finally they stopped approving all transactions and lied and said that there was an XXXX financing charge for {$0.00}. I called them and they made me review over 10 transactions that all belonged to me. I told them I didnt want to close my card account for the fake XXXX Financing {$.00} charge but they closed my card anyway saying they had to mail me a new card. There was never any such transactions on my account. They just made it up and lied and closed my card down. It took them 6 weeks to mail me the 1st card. They are working with hackers who kept putting fake charges on my previous bank account with XXXX XXXX They messed the XXXX XXXX  account up so badly that I had to file police reports for fraud and close the account. Please help because Wells Fargo and this group is trying to make me lose my job by destroying my bank account.They keep interfering with my XXXX and XXXX rides causing the payment to reject so that I can not use any rude service. Please help.
Consumer complaint received 2021-08-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (FL)

Creditor XXXX XXXX approved me for an 18 month no interest promotion for a charge that I placed on the card, I made all my payments on time and paid off the remaining balance on the due date, however the creditor did not honor the promotional agreement and has charged me the interest and has refused to correct there error after several conversation 's also XXXX improperly reported account balance to the credit bureaus for almost 2 which caused my credit score to drastically decrease and caused me the opportunity to get my home refinanced.
Consumer complaint received 2018-10-01
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Columbia Recovery Group LLC (WA)

I have been receiving repeated phone calls from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WA XXXX in an attempt to collect a debt owed to XXXX XXXX in XXXX, Washington. 

At least 3 times, I have been contacted by and them and explained to them that they are contacting the wrong individual, who apparently has the same name as I do. I have given them the last four of my ss # and, after doing so, they realize that they have the wrong individual, apologize for contacting me and say that they will update their records. 

Today I received yet another call from XXXX XXXX from the same institution. I was incredulous that they have yet to correct their records from the multiple times that I have requested them to do so. 

XXXX XXXX was very condescending, accused me of trying to not pay a debt that I clearly owned, and was in general very unprofessional. As she continued to provoke me, it became very clear that not only was she refusing to listen to my explanation but was set on continuing to speak to me in an accusatory manner.
Consumer complaint received 2018-10-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MN)

Citibank-XXXX XXXXt account. 
Back in XXXX we moved into a new home and didn`t have a washer and dryer. So, the wife said they have a sale at XXXX XXXX. So I went there and they stated I can put this on the XXXX XXXX credit card and save even more. So, I took one out. I was told I have a year to pay interest free.. No Payments for a year option as well. So, I started paying on it in 6 months. {$200.00} a month from XXXX to XX/XX/XXXX. Then I haven`t received any notification to pay any more. I thought I was done since after my purchase I cancelled the card so I don`t use it anymore except to use it for the payment purposes only ... 
So, if you add {$200.00} a month for 24 months of paying on it equals {$4800.00} on a {$1800.00} purchase. Okay 14 % interest ... Paid off, Right? Nope.. They sent me a letter stating I owe them XXXX????? WRONG.. They are trying to get a double pay out of me. 
Now that I told them that it was paid off since they haven`t sent me anything to pay for almost 2 years, it was paid in full. Then they said " Oh we sent out notices ''!! I lived in the same house didn`t change addresses and I didn`t receive anything for almost 2 years? 

Can you say FISHY, FISHY, FISHY ....