davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-04-21
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. (GA)

XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX .... reported to the XXXX  that I applied for credit in which I never applied for. They have violated my rights to have a fair and accurate information on my credit report.
Consumer complaint received 2021-02-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Kind of a deja vu. 4 or 5 years ago I closed my capitol one card because I felt they were playing games with mailed in payments to collect late fees. Last year a friend recommend I use them again and they are doing it again. You can mail in a payment 10 days before payment is due they wont post for 2 weeks. They know you are busy and don't always check your statement. Last XX/XX/XXXX I paid XXXX which I believe was my whole balance but for sure way more than minimum due. It takes them 2 weeks to post the payment which was on Wednesday XXXX. Apparently they had a due date of Friday the XXXX. So counting weekend in their book 3 days late. With this they charged me {$25.00} dollar late fee. I just saw the fee today XX/XX/XXXX. The pony express ended 150 years ago but they seem to use it for their mail payment collection. It is wrong to not consider mail date when charging late fees especially in winter and nationwide weather problems. I only found out about this when I never got my XXXX statement and they used the winter weather excuse. I asked and was refused a waiver.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I have been victim of identity theft and i have asked the bureaus for a long time now to remove the following accounts which i dont have anything to do with. XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. The last 3 accounts have been there 7 years. That is a violation I have sent many disputes and never got anything back or got letter stating verified. Then when i asked for verification, who did they talk to, when and what documents did they get? did they verify everything? I dont think so. I never got any verifications from any bureaus
Consumer complaint received 2018-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am highly concerned that Bank of America is deliberately obstructing the payment process for credit cards in order to collect late fees and other such penalties. During a 3 month change in employment I fell behind on several payments. After starting my new employment, I was contacted in the fall of XX/XX/2016 by a supervisor looking to " assist me in catching up ''. She arranged a 6 month payment plan of {$110.00} per month which I agreed to. I called within a few months to see if the hefty $ $ $ late fees could be slightly lowered since I was making payments. I was simply advised to continue making payments. Once the 6 months were up, I arranged for another payment plan of {$70.00} per months since my amount due was less HOWEVER, my total balance was significantly higher. I continued making the scheduled payments however, when the automatic payments expired again, I was suddenly unable to make payments online or arrange for another set of automatic payments. I then learned that my account was closed without notice. When I asked for proper communication of my account closure I was told that it's not something they disclose openly on statements. For over a year now, Bank of America has disabled my online payment capability AND any future schedule of payment. I am forced to call every month on the XXXX  day of the month to make a payment. On most calls I'm forced to wait much time, sometimes up to 30 minutes. Recently, while on a trip to XXXX, XXXX on XX/XX/XXXX, I called 3 times and each time the automated service said they were experiencing high call volumes. After the 3rd call and not getting through to anyone, I hung up. I am now receiving emails regarding late fees, and the amount due for the following month has doubled! Bank of America is causing much difficulties to pay this account and is simultaneously gaining additional fees from me unfairly.
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I was scammed by a XXXX hacker impersonating to be my friend and asking me for help. It asked me to use this email address to send the money, XXXX. Then gave me XXXX email to use for XXXX. I sent {$800.00} via Wellsfargo, XXXX email account on XX/XX/XXXX. XXXX days later I realized that I was scammed through posts on XXXX, called Wellsfargo and made the claim on XX/XX/XXXX. 
Then I received XXXX different letters dated for XX/XX/XXXX from Wellsfargo. One informing me about the claim being the payment was processed as requested and then the second letter stating denied based on the information available to us. 
I called Wellsfargo to clarify the status and that I was willing to send them any evidences of XXXX XXXX XXXX account being hacked and reported. WELLSFARGOs response was that the case was closed and that they wont be needing any additional information regarding the case. 
When asked if there is anything I can do, WELLSFARGOs response was that they are willing to support me by receiving the refund if the scammer chooses to send it back through WELLSFARGO.
Consumer complaint received 2020-04-30
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: Innovis (NC)

ftc violations attached potentially Negative show XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX/XXXX XXXXDispute XXXX/XXXXXXXXDispute XXXX XXXXXXXX
Consumer complaint received 2020-04-30
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: Clarity Services (NC)

ftc violations attached potentially Negative show XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX/XXXX
Consumer complaint received 2020-04-30
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: LEXISNEXIS (NC)

ftc violations attached potentially Negative show XXXX XXXX XXXX/XXXX/XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX/XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXX, XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXX XXXXDispute XXXXDispute XXXX XXXX/XXXX
Consumer complaint received 2020-08-19
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: Bread Financial Holdings, Inc. (MD)

Comenity Capital/BJsWholesale pulled my XXXX  credit report, which I absolutely DID NOT authorize them to do so. I've written to them and called them, but to no avail. Also, XXXX  has refused to do a legitimate investigation.
Consumer complaint received 2020-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CUSTOMERS BANCORP, INC (NY)

XXXX XXXX ( Bank Mobile ) made an ACH transfer for {$350.00} AVAILABLE before it got cleared. The end result, it never cleared and now i owe Bank Mobile Money for making it available? if overdraft protection was ACTIVE like i have plenty of XXXX  saying then i shouldnt have been able to go over {$50.00}! They took {$350.00} back 5 days later XXXX  up my finances DURING A PANDEMIC. NOW they got most of my unemployment AND {$98.00} from my Small Business loan i  received today. This is NOT RIGHT AND IF YOU SAY YOU ONLY COVER UP TO {$50.00} THEN YOU HAVE A LIABILITY TO SUSTAIN THAT AND NOT ALLOW ME TO MAKE MISTAKES BASED ON WHAT YOU ADVERTISE. 

I called XXXX Executives to help and their response was " We don't have access to our own accounts. '' XXXX?
Consumer complaint received 2021-02-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-16
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CO)

I received an email saying I owed them {$2200.00} in escrow or else they would raise my mortgage payment. I reached out to a couple of loan providers and was told that this is incorrect they paid my insurance 2 months earlier than they did last year and this is why it is showing such a high amount. When I questioned the company they basically told me it didnt matter and this is what I owed no matter what. I have talked to them three times regarding this and have gotten no where except rude employees who are not interested in helping me and honestly dont seem to know what they are talking about.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DriveTime (TX)

I made written request to XXXX to remove any credit or identity freezes from account over one month ago. They have not replied and the freeze is still active. I applied for a loan at Drivetime through XXXX XXXX, the only thing holding me back is there request for my social security card because of a credit freeze that I told XXXX  to remove. The social security card I presented was the original I was issued after birth, and because it doesnt look like the new SS cards, I have wrongly been denied credit.
Consumer complaint received 2021-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The XXXX XXXX  account was closed as a charge off and closed account is off XX/XX/2020. The creditor agreed to remove off the report and is still popping up on the report I tried to dispute it numerous times and is still there it is in violation of my rights. According to the fair credit report action section 609 you are required by federal law to verify through the physical verification of the original sign consumer contract any and all accounts you posted on the credit report. I already demanded the verification proof the original consumer contract with my signature on it. it havent been sent. I disputed this account numerous times are ready.
Consumer complaint received 2020-07-16
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. (OH)

This is crazy ... I have sent out a hard copy complaint as well as online compliant, because of several unrecognized fraudulent accounts : XXXX XXXX XXXX # XXXX, .XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX  # XXXX I have several fraudulent SS numbers showing on my credit report that do not belong to me.. This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID. 
Please have them remove/delete the collection accounts immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Consumer complaint received 2021-02-23
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. (GA)

XXXX XXXX XXXX Amount {$2500.00} Date Opened XX/XX/2020 This account was settled with XXXX XXXX years ago and agreed that it was opened fraudulently and that I am NOT responsible for the debt.
Consumer complaint received 2020-07-16
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. (TX)

***EXPERIAN KEEPS CLOSING MY REQUEST FOR INVESTIGATION ON A MY CREDIT PROFILE THEY ARE COMPLYING OF ME**** I HAVE SUBMITTED MY PERSONAL IDENTIFICATION DOCUMENTS IN ALL INSTANCES. 

***EXPERIAN CAN NOT BE ALLOWED TO IGNORED MY REQUESTS ( 3 INSTANCES ; XX/XX/XXXX MAILED/XX/XX/XXXX ; XX/XX/XXXX CFPB ONLINE PORTAL ) TO START A DISPUTE ON THE MANY ISSUES WITH MY CREDIT REPORT THEY COMPILED ON ME***
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CT)

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-16
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)

The accounts listed do not belong to me and MUST BE removed. I'm demanding that they be removed now because it is stopping me from obtaining gainful employment. This is supporting fraud. If the credit bureaus do not remove these items I will file a lawsuit. Fraudulent claims are as follows : XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XX/XX/XXXX {$150.00} ; XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ; XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$2100.00} ; XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX {$4300.00} ; XXXX XXXX XXXX   XX/XX/XXXX {$0.00}.
Consumer complaint received 2020-06-30
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: United Group Inc. (WA)

Today XX/XX/2020 I checked my credit report and seen I had a hard inquiry from a loan company called United Finance on XX/XX/2020. This doesn't make sense because 5 days ago I never gave authorization for this company to make any inquiries into credit. Nor was I seeking funding from this company for anything. I called the company today and they acted like I didn't know what I was talking about and told me to take it up with the credit bureaus. I'm currently disputing this to prevent fraud anymore on my credit.
Consumer complaint received 2018-06-18
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. (TN)

On XX/XX/2018, I received a notification an my email about a credit account which I have no clue of. I have been a victim of identity theft in the past. Now I have also been affected by the credit breach where my information was breach. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The account that are fraudulent are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX   XXXX- XXXX 3. XXXX XXXX XXXX- XXXX 4. XXXX XXXX XXXX- XXXX 5.  XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. Unknown- XXXX I am disputing the following accounts as fraudulent an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that these fraudulent and inaccurate information is completely and permanently removed from my credit file.
Consumer complaint received 2021-02-28
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: Chime Financial Inc (CA)

unfortunately for me I've had three separate FTC reports filed for fraud in the past year regarding the my chime account 7 XXXX XXXX charges have yet to be credited I'm in the process of finding disputes temporary provisional credit has not been issued notifying their claim to 100 % And guarantees and honoring visas policy as well. Because time does not fancy itself a bank doesn't change the violation of its own policy and advertising that policy that we are somehow protected by visa when using their card
Consumer complaint received 2020-04-30
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}, {$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 onXX/XX/XXXXenclosed 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 XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX   with ACCT # XXXX  opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account.