davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NY)

There were a large sum of illegal purchases on my card. I called and they removed the estimated {$900.00} on my credit card. Then I had a credit on my account because I continued paying on my card to avoid anything being put on my credit. They never replaced my card after that and the charges were mysterious put on. I can not get a straight answer but the charges aren't mine and I would like the charges removed and the money I have paid credited back to my account with a new card issued.
Consumer complaint received 2020-08-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

My ex spouse took dog to vet to XXXX XXXX  XXXX XXXX in XXXX KY and they let him leave without paying. They then billed him at his address, which he didn't bother to pay or open because I am sure it had my name on it. The vet office used my account for the visit instead of his XXXX XXXX. I then starting getting collections phone calls for something I had no knowledge of. I went to the vet office to investigate and was told what it was. I mailed a check for more than the balance just to get the phone calls to stop. The bill was XXXX I mailed XXXX they are still trying to collect XXXX for the visit. I have disputed it over and over. I am tired of it being on my credit even after I paid for the visit.
Consumer complaint received 2019-10-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

Recently I received a letter from ERC in an attempt to collect a debt that I do not owe. The letter is claiming that I owe {$840.00} to XXXX XXXX/XXXX XXXX. This debt is NOT mine as I've never had a XXXX XXXX/XXXX XXXX. I've attached the letter they sent me.
Consumer complaint received 2021-09-08
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. (IL)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (TX)

On XX/XX/2020, I was contacted by Comenity regarding my XXXX XXXX credit card payment being late. I advised I was having some financial hardship due to Covid 19 and requested their payment relief assistance program. The representative offered just a payment extension that would not have notated my account i was having a hardship and still possibly make me subject to late fees. When I declined this and requested again specifically for the Covid 19 hardship the representative rudely asked if I wouldn't be able to come up with a minimum payment of just {$35.00} in another month. I then requested to be transferred immediately. 

Afterward I was still annoyed but couldn't bare to speak to another rep because I had also gone through SEVERAL issues getting my first online order placed because reps kept making mistakes and I kept having to call back. Instead I sent an online message advising of the issues and my dissatisfaction and requested the small courtesy of refunded late fee and finance charge, and I paid the card off in full minus the amount of late fee & finance charge rather than accept the covid 19 hardship and possibly have to deal with any of these people again. 

They responded with an agreement to refund the late fee and the finance charge JUST on the amount of the finance fee. I did not realize the difference until XX/XX/XXXX, and I then requested the remainder of the finance charge also be refunded for my continued disappointment in their customer service. On XX/XX/XXXX I received a response stating they would not be refunding the remaining charges.
Consumer complaint received 2022-03-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Hello I apply for the mortgage assistance due to national emergency for Covid and unfortunately the bank has been extremely misleading purposely and also the bank has make decisions without my authorization including ending the trial And or removing me from the mortgage assistance I really need help please I can provide all the details of the request thank you in advance
Consumer complaint received 2022-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (NY)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (PA)

To whom it may concern, This complaint is against Wells Fargo Account # XXXX for the following violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of 1974. 

Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( Wells Fargo Bank ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between Wells Fargo and me. 

Furthermore, I am requesting that Wells Fargo provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that have been adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. I am giving Wells Fargo 30 days from the date that of the receive complaint to provide me with the information that I am requesting. If the requested information is not received in the allotted time given, then it will be assumed that the late payments can not be verified on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request the removal of the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and an update to the accounts to positive and paid as agreed. Additionally, I am requesting that my credit utilization no longer be reported to the forementioned consumer reporting agencies as it is illegal to share my transaction history. 

Your cooperation in this matter is crucial to ensure the accuracy of my credit report and safeguard my rights as a consumer under the FCRA. I look forward to a timely resolution.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with XXXX 's investigation. I have already addressed this issue to XXXX but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XX/XX/XXXX EQUIFAX MORTGAGE SER Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2017-10-24
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: EQUIFAX, INC. (NY)

I am submitting this complaint in regards to a previous complaint I submitted. Complaint number XXXX. XXXX responded but did not address my issue. There is an account which I was very specific about. XXXX XXXX XXXX XXXX is the account that has a comment on my report stating the account was included in my bankruptcy. This remark does not belong on there. I never filed for chapter XXXX nor XXXX bankruptcy. XXXX  responded that there is no bankruptcy reporting on my credit report. Well I have an updated report that is showing that this debt was included in bankruptcy. Again I never filed for bankruptcy. I fully expect to have this false information removed off my reports.
Consumer complaint received 2024-03-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Accounts Service Team Inc. (TN)

A rental debt collected by my husband ( over 2 years before we were ever married ) has just shown up as a collection on my credit report. It is not my debt. I was not on the lease. I never signed the lease. I did not live on the property. I have never even lived in XXXX, TN. I lived in XXXX, TN during the time this lease was active and I can provide proof, as I was in a lease with an apartment at that point in time. 

I reached out to the debt collection agency and requested that they send me the proof that I was on this lease and that it was indeed my debt. They have not provided proof, because it is not true. I have disputed this collection and it was denied because the collection agency will not remove my name from the collection. 

Again, this was a lease that my husband owed well over 2 years before we even got married. It is not my debt.
Consumer complaint received 2021-10-04
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. (TX)

I have always made ontime payments and never been late yet XXXX XXXX reported me as being 90 days late. I have never paid late and am on a forbearance plan and though they apologized and promised to get it off my record, they still have not done so.
Consumer complaint received 2020-05-29
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. (FL)

REMEDY : DELETION OF SAID ITEM AND PAYMENT OF INVOICE DUE TO FCRA VIOLATIONS for Damage of Reputation, Pain & Suffering, Harassment, Violation of Privacy, Selling of Private information without my written permission, Telephone Harassment ( over 10 phone calls after asked to refrain ) {$100000.00}.
Consumer complaint received 2017-10-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synovus Bank (NY)

Hello my name is XXXX and I am having problems with XXXX XXXX..XXXX XXXX XXXX  and the other names they use. 
I was not aware of the debt until several years ago when I received a garnishment notice from my employer. 
This amount was subtracted from my paycheck weekly including any taxes. 
I have not received any satisfaction of judgement letters. Recently I purchased my home and before closing I was advised that this debt was not settled and it was holding back my closing. 
Apparently XXXX XXXX purchased the debt and claims it was never settled. 
To avoid losing the home i waited so long for ; I made XXXX an offer of if XXXX and they accepted. On X/XX/17 I sent them the amount and they cashed the check. 
Now I need them to send me a satisfaction of judgement letter to give to the attorneys who handled the purchase and closing of the home. Money was held in escrow to show good cause. The sum it XXXX. Without this satisfaction letter I can not get back this money. It 's being held by XXXX XXXX. 
I had our attorney intervene and try to speed up the process yet nothing from them. We, my wife and I along with our attorney has been constantly given the run around. It 's either call back tomorrow ; call back in one hour ; no one is in that department ; can not locate the file ; all sorts of excuse. 
They cashed the check and was paid 2 times. 
I have even asked to speak with a supervisor. He is never available or he gives me the same answer. 
My wife is XXXX and I need this money to help us move into our new home. 
It will move things along more quickly before the weather changes Please help us. 
I have nowhere to turn.. 
XXXX XXXX
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I have disputed a XXXX XXXX Credit Card account on my XXXX, Experian, and XXXX accounts several times. Each time I dispute the discrepancies for the last day of activity, close date, and payment history, and the disputes are returned as verified. I have sent a dispute online and also mailed a dispute letter requesting validation of this account. XXXX, and XXXX has failed to investigate this account and continues to report inaccuracies on my credit report. 
According to my research, XXXX XXXX is reporting to XXXX : a closed date of XXXX/XXXX/XXXX, high balance of XXXX, and last date of payment XXXX/XXXX/XXXX, but no payment history. 
XXXX is reporting no close date, date of last payment XXXX/XXXX/XXXX, and no payment history. 
I am concerned that these accounts may not belong to me and/or the reporting to the credit bureaus may be inaccurate. XXXX XXXX has failed to provide any validation of this debt so I am submitting a complaint.
Consumer complaint received 2015-12-02
Product: Prepaid card — General purpose card
Issue: Overdraft, savings or rewards features — 
Company: PENTAGON FEDERAL CREDIT UNION (UT)

I was issued a {$50.00} prepaid debit card through a rewards program with Pentagon Federal Credit Union. The card expired XXXX with none of the money ever spent. I am now being told by the phone number on the card ( XXXX ) and PenFed rewards program ( XXXX ) that none of them are able to refund my money or issue a non-expired replacement card. The rewards card # is XXXX
Consumer complaint received 2019-10-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CT)

I was a little behind on my mortgage so I went to pay a month online but the system didnt work. It confirmed that I paid but never withdrew. I called PHH mortgage and they said it was a problem with the bank so I called my bank and they never got the request. At this point I was quite behind, but had the amount to get myself up to date. I called and through discussing with them discovered they had my wrong bank so we paid again for the amount of {$3000.00}. It was removed from my account so I assumed it was all set. I then received a foreclosure letter from them along with an attorney letter. I was surprised since as far as I knew I was current on my mortgage. I called them and they said they never received the money. I had my bank conference call to them to inform them it was indeed removed from my account on XX/XX/XXXX. They said they can not locate the money and to call back Monday to see if they had located the money but that they could not end the foreclosure process until those funds were located. I am concerned that This is negatively impacting my credit along with any fees that may come from the foreclosure process. I am also terrified I will lose my home when I have not done anything wrong.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SUNTRUST BANKS, INC. (FL)

Charge approximately % 2500- {$3000.00} per month on SunTrust XXXX . Typically pay in full and avoid interest advertised at 16 %. Left {$300.00} unpaid first of XXXX. XXXX statement included {$12.00} interest charge due solely to my leaving a {$300.00} balance the previous month. That is 51 % interest.

I am aware that Supreme Court decisions have rendered state usury laws unenforceable. Burying a 51 % rate in indecipherable small print is no justification for robbing consumers however.
Consumer complaint received 2021-09-08
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: CITIBANK, N.A. (CA)

This is an account ( Macy 's ) supposedly opened in XXXX. There is absolutely any way I could have made this charge as I was incarcerated that year. My incarceration was from XX/XX/XXXX to XX/XX/XXXX. I disputed it with XXXX first. But I've noticed it showing up as if I activated the account again. This account should have been closed a long time ago seeing that it's 10 years old.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-07
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: AMERICAN EXPRESS COMPANY (TX)

I 've filed multiple requests for incorrect data from American Express on my XXXX credit report to be corrected or DELETED. This data is for the two American Express Account # 's as listed on the attached copies of my credit reports. These two accounts were both PAID IN FULL on XXXX XXXX XXXX and confirmed by the attorney representing American Express ( see  attached letter from attorney, dated XXXX XXXX, XXXX ). It 's been well over 80 days since I filed my recent complaint on XXXX XXXX, XXXX and the data has still not be corrected on my report. Over the last several months American Express has posted multiple incorrect dates the most damaging being on one of the accounts with the date of XXXX XXXX as the last pay date and last date of " in collection status '' and the other account with a XXXX XXXX date. As a result these incorrect entries have damaged my credit score and ability to secure a refinance on my mortgage. I 'm requesting both accounts be DELETED based on the FCRA rules and time limitations on correcting errors on Credit Reports. Again ... These two accounts were paid in full on XXXX XXXX, XXXX and confirmed by their attorney, via the attached letter!
Consumer complaint received 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (AZ)

I have a collections acount with afni the orginal collector is XXXX i have contact XXXX for the pass couple of years to get info becuz this account is not mine. I have sent police reports and no response i have sent letters to afni verifaction valadation and no response i reacched a customer service agent by the name of XXXX who told me to go to XXXX store with XXXX forms of ID i did and they could not verify. Now XXXX sends me to afni and afni has told me to bad so sad please help me
Consumer complaint received 2021-10-04
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: Specialized Management Services, Inc. (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2019-10-27
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.