davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
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: Waypoint Resource Group, LLC (FL)

I contacted Waypoint Resource Group on XX/XX/XXXX around XXXX. I spoke with a female representative about an account on my credit file that doesn't belong to me. My XXXX  credit file reported this incorrect information on XX/XX/XXXX. The original creditor is listed as Waypoint Resource Group. The account was assigned to them on XX/XX/XXXX. The original amount owed and the amount listed is {$1200.00}. The status is unpaid. The balance date is XX/XX/XXXX. The account designator code is listed as INDIVIDUAL_ACCOUNT. The account number is listed as XXXX. The creditor classification is cable or cellular. The last payment date is blank. Date of first delinquency is XX/XX/XXXX. This is the information listed on my credit file. The female representative I spoke with today attempted to look up the account using my first and last name and the amount owed. She stated that nothing is coming up under my name. I informed her that the information was added to my account on the date listed above. She insisted that I provide her with my full social security number and that was the only way she could look up my account. I told her that I would only give her the last four of my SSN. She stated that would not be sufficient. I disputed it with the creditors and this information hasn't been removed from my file. I don't owe anyone this money for anything. I have only one creditor who I do business with and that is XXXX XXXX. I would like this dispute reviewed, addressed and removed from my credit file immediately. This is fraudulent and inaccurate information and I do not owe this money. Thank you.
Consumer complaint received 2020-06-25
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. (IL)

I had 4 loans that was in default and showed as default with the US Department of Education on all 3 credit bureaus ( Equifax, XXXX, XXXX ). Please note that these loans was consolidated into one loan with XXXX XXXX, under account number XXXX.
Consumer complaint received 2021-04-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adelante, Inc (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Account Services Collections and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Consumer complaint received 2021-01-19
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. (IL)

Experian is stating that they verified a bankruptcy with XXXX XXXX and XXXX XXXX is stating that they never verified the bankruptcy. The bankruptcy is unverifiable and I requested it be verified r removed multiple times and they have yet to do as the law required.
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (FL)

XX/XX/XXXX- I made a purchase of {$10.00} at the XXXX in XXXX , Florida .

XX/XX/XXXX- I received the first credit card statement from XXXX Credit Card showing I have a new balance of {$38.00} due on XX/XX/XXXX. I immediately called the XXXX  number and was given the run around on how I was on a paperless statement with XXXX-XXXX. Finally spoke to XXXX  and he waived the lates fee 's since I never requested paperless and was not aware of my balance. The balance of {$10.00} was paid on XX/XX/XXXX. I then requested the account to be closed, since the CRS 's before XXXX   were so rude. Account was closed on XX/XX/XXXX.

XX/XX/XXXX- I received another statement from XXXX showing I now owned {$49.00} and I called immediately and they stated it has been balance to a XXXX balance.

Today XX/XX/XXXX - I received a call from XXXX  stating I owed a past due balance and requested my payment. After reviewing the notes in the system the CSR transferred me to a XXXX at XXXX ext. XXXX, which was very polite and stated my account is now at a zero balance. I requested to speak to a supervisor, since it shows my accounts 3 payment past due and I completed the payment on XX/XX/XXXX when I received my paper bill. Spoke to XXXX and she assured me that the account is at a XXXX   balance and the payment history was updated to show current and the error will be reported to the 3 credit agencies. I plan to call XXXX   back in 48 hours to confirm this has been completed and contact the credit bureau 's next month. I have perfect credit and can not believe this credit card company is allowed to function and cause damage to my credit history that I have worked so hard for the last 25 years, plus continue to send me past due notices and calls to my cell. Please Help!

Thank you so much for your time and assistance.

XXXX XXXX
Consumer complaint received 2021-03-25
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: Westlake Services, LLC (TN)

When I reviewed my credit report I noticed that there are some inaccuracy on it, specially on the Month of XXXX that XXXX  has 30 days late payments but XXXX and XXXX has no data provided.
Consumer complaint received 2020-07-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (GA)

I contacted Mercantile and asked for them to validate debt via mail and I have not received a debt validation. I would like for Mercantile to send me the breakdown of the balance in full, signed credit receipts and every transaction immediately. According to the Fair Credit Reporting Act I'm allowed to request for this information and I would like to have it in my mail box asap.
Consumer complaint received 2019-05-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

There was a hard inquiry placed on my account. This inquiry was fraudulent in nature. However I was able to contact the vendor who ran my credit. The vendor also agreed that this was indeed a fraudulent attempt and agreed to remove the hard inquiry from my account, even going so far as to email me an official letter stating just that. The inquiry was only made with equifax. I used the equifax online dispute tool to file for removal. A few days later i received an email stating that my dispute was completed. However, upon attempting to check the results i found myself locked out of equifax.com/dispute. I then called and was told that my dispute was COMPLETE and the item on my credit report in question will indeed stay present for up to two years. I then was told to have this removed I would need a police report as if the vendors letter and request was not enough. How is this so? Where is the protection for the consumer? I then asked the equifax representitive for documentation of the policy that states that i need a police report to have inaccurate information removed. Silence. I also asked for the process in which determined that this mark on my credit report was accurate and valid. The Equifax rep stated that there will be no investigation and that there was no investigation. So what criteria was used to determine the validity of this inquiry? Who decided? And why wasnt i asked for any evidence to support my dispute? This is highly unlawful and a violation of my rights in accordance to the fair credit reporting act. In addition to the lack of examination of my dispute i was also locked out of my own file restraining me from submitting a statement on my credit file. Another violation.
Consumer complaint received 2024-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/24 I was the victim of a phishing attempt in which the perpetrators texted me about suspected fraudulent activity related to my Ally bank account. I responded " N '' to the text to indicate I didn't authorize these charges, then they replied that someone from Ally would call me. That person was calling from what looked like the Ally customer service number, but now I believe they masked the caller ID number. The person I spoke to seemed legit but was not ; they texted me a code, had me read it back, then after I got off the phone, they proceeded to hack into my bank account and try to transfer funds. I immediately changed my password and called Ally. I tried to call the Ally Fraud line but only got through to the main customer service number, and they restricted my accounts and passed me to the Fraud department, who then helped me change my username and password and security questions, then told me the Account Takeover ( ATO ) department would call me on Monday to generate new secure account numbers and transfer my money over to them and close the old accounts. There was nothing they could do sooner. 

So I've been out of funds all weekend and had to resort to using credit cards for groceries. Today is Monday XX/XX/24 and they still haven't called me back. I called them and the Fraud department said that " thousands of people '' are having this happen to them, so the ATO department is overwhelmed, and I " just needed to wait 24-48 business hours. '' They said I should call back tomorrow if I don't hear back by today. 
They gave me the direct line to ATO since I really can't wait, because my life is on hold with no access to my money, but I was on hold for 1-3 hours each time I tried to call. I also emailed them at the address they provided on the ATO recorded line. I have no idea if and when they'll call, and in the meantime, they have all of my money and I have no recourse. I'm very upset that Ally doesn't have enough resources to quickly resolve problems for customers like me and force us to wait with frozen accounts for days on end. It's unacceptable.
Consumer complaint received 2020-07-13
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 was at XXXX XXXX XXXX today XX/XX/2020 because I was trying to refinance my car but I was told that I would not be able to do so because there were accounts in negative standing appearing on my credit. I had no idea what they were talking about until I looked at my credit report and saw accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I did not open any of those accounts nor did I ever allow anyone to open them in my name. I did not benefit anything fro these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I do not have any contract or agreement with any of these companies and I never allowed them to run my credit. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these accounts.
Consumer complaint received 2019-05-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (PA)

XX/XX/XXXX sent mail to them and they signed on XX/XX/XXXX and heard nothing back from them. I mailed them again on XX/XX/XXXX and still I heard nothing back from them they also did not update the remarks on my credit report stating my dispute
Consumer complaint received 2019-05-13
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. (HI)

I was a victim of fraud or breach. There is an address on my credit report from OH. Only resided in XXXX, XXXX, and XXXX. Also, multiple hard inquiries on all 3 credit agencies that were not made by me. Also an account in collections from XXXX ( {$560.00} ) already disputing Spoke to Transunion, XXXX, and XXXX via telephone. Just had dispute letters drafted, will be putting in the mail. 
The hard inquiries ; Transunion XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( 2x ) XXXX XXXXl XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ( 2x ) XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX ( 2x ) XXXX XX/XX/XXXX
Consumer complaint received 2019-05-13
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: Fidelity National Information Services, Inc. (FNIS) (NJ)

On XX/XX/XXXX, XX/XX/XXXX and XXXX, 2019 I mailed XXXX letters complaining about how they had illegally obtained a report from XXXX XXXX and attached it to my XXXX Report without my permission or any sign authorization from me to obtain this report. Nowhere in any information that XXXX issues state that they can attach any other vendors report without your permission or authorization.
Consumer complaint received 2019-05-13
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. (TN)

They have failed to remove the repossession as well as incorrect late payment dates. Several letters have been sent and nothing has been done to take care of the situation. The car is to be in my father 's name and not mine. This is affecting my home buying process. This has been an issue that I have been attempting to resolve since XX/XX/XXXX. Last letter was sent in XX/XX/XXXX asking the bureaus to remove the negative statements on my credit report. Also XXXX has said they would send a letter to the bureau 's to have those negative remarks removed, so either nothing was done or XXXX never sent those letters. This vehicle needs to be removed immediately and and corrected for it is bringing my father 's credit score down.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NY)

In XXXX XXXX XXXX I took out a loan to install some heat pumps in my house. The total was approximately {$2200.00}. I was informed that the loan was to be interest-free for XXXX months, at which time I would be charged the typical exorbitant rate. I was never informed that this interest would be retroactive to loan origination date and was led to believe I would be charged interest on loan balance, as I have on every other loan or credit card I have ever used with a promotional rate. After XXXX  months my loan balance was down to {$7700.00}. On my next statement I was assessed and interest payment of {$8300.00}! I have contacted the bank and was told I should have read my statement more carefully. In hindsight I should have but I never would have believed that this practice and I had never encountered this type of loan in my life and still can not believe that this practice is legal and it is certainly not ethical. I made every payment on time and never expected the astronomical fee.I feel violated.
Consumer complaint received 2020-07-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (WI)

My college loan should be a smaller amount because when I was going to college it was going through Sallie Mae and Sallie Mae had a class action lawsuit which overcharged us so I should have a smaller amount or no amount as far as college loans go
Consumer complaint received 2020-07-13
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. (FL)

1. I have requested XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the disputed accounts accounts # XXXX and # XXXX ( see attached CFPB complaint ).

2. I have disputed account XXXX with Accounts Receivable through CFPB complaint and discovered that they are : 1. not licensed to collect in my state of Florida ( see attached confirmation from them ) and therefore their collection activities are illegal, and 2. they sent their mail letters and credit card to some address in Oregon that I never lived at and which doesnt show on my credit report ( attached ). 

Please investigate and delete these false disputed accounts.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALCHRO INC. (FL)

I was mailed a letter onXX/XX/XXXX stating my account was written as a charity write off. The account specifically says the account is considered closed. 7 months later XX/XX/XXXX they are saying the account is delinquent and now its on my credit report. They said in order for it to be removed I need to pay an additional {$15.00} which is unfair and the account was never supposed to go in collections.
Consumer complaint received 2018-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

My wife and I recently moved form XXXX XXXX to XXXX XXXX and today we each received 2 letters from Equifax identifying changes of address. The letters dated XX/XX/XXXX say that our new address is actually an address that we had 4.5 years ago and the letters dated XX/XX/XXXX say that our new address is the address from which we recently moved. I tried calling Equifax twice and they won't talk to me/us except to ask innumerable " security questions '' some of which ask for years old information that we don't have a record of. Our credit cards have been scammed several times in the past and we are now concerned that someone is trying to scam us again or trying to steal our identity and Equifax won't even tell us if they actually sent these letters or why they were sent. I spent most of the afternoon trying to contact Equifax to find out if these letters are really from them or a scam. Maybe because of our recent move, they can't seem to identify me either twice by phone or on the website. I called them in response to their letters and they won't talk to me. This credit agency shouldn't have the right to my information, send me erroneous letters and then not respond when they get it all wrong. I need help! This credit bureau equifax shouldn't be in business if they can't do the job and won't talk to people who they are tracking. They will not tell us what address they currently have on file for us. Won't tell us why these letters were sent. Etc. Etc. Please help.
Consumer complaint received 2019-05-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MN)

On XX/XX/XXXX, my Venmo account was hacked by a XXXX XXXX. A total of XXXX dollars via Venmo was sent using my XXXX XXXX Credit Card. I reported it stolen and was found not responsible and that it was fraud. I was credited back the amount of {$2000.00}. I then tried to use my Venmo account again and it was frozen. Venmo wants me to settle with them and pay them back the {$2000.00}. I keep telling them it was fraud and they said no it wasn't and will not work with me at all. I have filed a police report with the XXXX XXXX, MN police department. XXXX # XXXX. XXXX XXXX XXXX on XXXX. They will not further investigate the fraud payment due to them not having anymore info on this XXXX XXXX from XXXX, FL. Venmo will not make my account active again and at a XXXX balance until I PAY them back which should not be my responsibility at all!
Consumer complaint received 2019-05-13
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. ()

I have an installment loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX   XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.
Consumer complaint received 2019-05-13
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. ()

I have an installment loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 30 days late payments. There was an error on their part. I was never 30 days late.