davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-12
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: BUSEY BANK (IL)

Thursday, XX/XX/XXXX I became a XXXX XXXX on XXXX XXXX and resigned with them on XX/XX/XXXX. I signed up believing the jewelry was lead and nickel free. They sold all of the pieces and accessories under false " fraudulent '' claims. I bought into the company under FALSE PRETENSES. I have attached pictures to this claim. The first one is from the website. The other pictures are from a lab where they tested several pieces of XXXX XXXX. This lab has never heard of this company and has been in business since XXXX. 
XXXX XXXX XXXXXXXX joined this conversation XXXX XXXX XXXX, IL Customer Care Advisor Hello! Thank you for reaching out. My name is XXXX and I'll be happy to help you! 
XXXX, I apologize for the inconvenience you have experienced with XXXX XXXX. Please let us know if there is anything we can do. 
XXXX XXXX XXXX I was wanting to know what steps I need to take. I have documents to back my claim up on these charges. From them changing the website and the lab results showing there is lead and nickel in the jewelry. I have contacted the company on their XXXX  program. This is their response consultants whose account has already been canceled, do not qualify to initiate a Buyback. 
XXXXXXXX XXXX Saturday, XX/XX/XXXX XXXX, if they are charges to your debit card, we can complete a merchant dispute. I do want to let you know our merchant disputes can take up to 120 days. With the merchant dispute there is a form that needs to be completed as well. ( edited ) XXXX XXXX XXXX  Sunday, XX/XX/XXXX Yes, these were all done with my debit card. I will gladly fill out the merchant dispute. 
XXXX XXXX Monday, XX/XX/XXXX I reviewed your account and see the transactions go back to XX/XX/XXXX, we wouldn't be able to dispute all of the transactions. When I spoke to our cards team they said we can dispute the last 90 days however. 
XXXX XXXX XXXX
Consumer complaint received 2022-03-01
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. (CA)

There were a few accounts that were opened under my name that I didnt approve. Being that I was a victim of identity theft I made a police report that was approved. The bureaus claim that those accounts were verified even after police report was submitted
Consumer complaint received 2018-07-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation (MO)

On or about XX/XX/2012 a " third party '' my grandmother was contacted by Western Shamrock Loans disclosing to a " third party '' I had a loan causing me embarrassment they called her twice attempting to contact me I thereafter contacted Western Shamrock Loans and advised them I am currently unemployed was " laid off '' and can not afford it and seeking legal advice as this was unexpected circumstances, I immediately advised the Manager of the XXXX Mo office to Cease co tact under U.S Civil code 1692 section C and I will be mailing them a copy. The very next day Western Shamrock mailed certified mail to my address which a third party signed for this is excessive and abusive behavior from Western Shamrock and should be investigated.
Consumer complaint received 2021-06-01
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: Commonwealth Financial Systems, Inc. (GA)

It has recently come to my attention that I still have a report in my disputes from a hospital bill that I didnt have any money part in. I have a son that has the same exact name as I do. I know a fact I havent been to that hospital in years. Definitely not then but my son may have because he struggled with respiratory issues a lot in his first couple of years so the report has to be a mix up.
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My vehicle was totaled on XX/XX/XXXX, and I received a letter from the bank ( XX/XX/XXXX ) giving me 60 days to pay off the balance between what was owed and the insurance settlement ( no gap ins ). 
I called the to explain I was waiting on the warranty refund, and was told it would be sent directly to them. The bank said I needed to continue to make payments, and they would " work with me ''. I received statements for XX/XX/XXXX, XX/XX/XXXX, and payments were made accordingly. When I received the warranty refund it was sent immediately, and the bank received XX/XX/XXXX. 

I did not receive a XX/XX/XXXX statement, so I called the bank again to check the balance, and it was XXXX. I sent in the payment, and the bank received XX/XX/XXXX. 

I exceeded the date of the letter by 2 weeks, and the charge off was issued XX/XX/XXXX. 

My disputes filed with the reporting agencies yielded no change in the adverse credit entry on my report. I have also written the bank directly - no change
Consumer complaint received 2021-02-02
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. (AL)

I recently applied for credit and pulled my entire report and noticed inquiries that I didnt authorize nor recognized. I called the company before trying to get the problem resolved with Experian and unable to get any type of resolution. The companies couldnt give me any information regarding the inquiries. I have recently purchase the credit lock upgrade to lock my credit from future inquiries. Please take a look and remove the inquiries that wasnt authorized nor did I give permission to the companies to pull my credit. XXXX thanks for your prompt response and action. Also I also have a fraud alert on my account. 

- XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation (CO)

Orginally applied for an account through XXXX for a sandbox. Thought the creditor was XXXX. Purchase was for XXXX on XX/XX/2021. I never got a written or email statement from Fortiva. I got a text message on XX/XX/XXXX for XXXX minimum payment due on XX/XX/XXXX. Never received an exact balance due notification. I tried paying on the link several times with both debit and checking information but kept saying it didn't go through. I still couldn't figure out who the creditor was. Think it was XXXX I get a threatening letter so tried the link again. No account information on this letter either. Just I needed to pay XXXX or XXXX bucks or they would do everything in their legal power. Link still didn't work. Now getting the same kind of letter with no account information. Just threatening text. Just says to call office promptly to pay {$90.00}. I don't have an exact amount, account number, or statement ever provided. Other reviews state this company is making false charges on their checking account if they give this information over the phone. I am terrified to do this. They are not XXXX  accredited. I would like a secure payment method, an actual statement, additional charges removed since this information was never provided, and off my credit report.
Consumer complaint received 2021-06-08
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: WELLS FARGO & COMPANY (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 

XXXX XXXX XXXX XXXX XXXX WELLS FARGO XXXX
Consumer complaint received 2022-08-17
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, Experian is required to verify the information and status of the account being reported on my Credit Report. But in my case, they have kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that they provide me copies of documents bearing my signature to verify the status of the disputed accounts. If Experian failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible : XXXX XXXX XXXX XXXX XXXX .... Date opened XX/XX/2017 XXXX {$690000.00}
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (CA)

My name is XXXX XXXX XXXX I bought a car from XXXX in XX/XX/2015 got the loan from santender. The first week I had the car the check engine light came on so the car went into the shop so every month I had the car it was in the shop until the engine final gave out and they didn't want to pay {$7000.00} for a mother so they sold it and left me with the remaining balance. Since then my life has been a living XXXX I'm homeless living in a tent outside with my son I can't get a place because my credit is bad I can't get a job nothing
Consumer complaint received 2021-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I reached out to XXXX XXXX and Experian about the validity of accounts on my credit report on XX/XX/XXXX ( 30 days ago ). I have not received a response from them. 

XXXX XXXX and Experian are not complying wither their own policies in a timely manner.
Consumer complaint received 2018-04-04
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. (FL)

There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX # XXXX  I am NOT liable for these two accounts these need to be removed off of my personal credit file.
Consumer complaint received 2020-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I contacted the company to verify accuracy. This account was sold to a collection company and was settled for half of what was owed. The company that SOLD the debt continues to report it even though they no longer hold the account ... .delinquency can only be reported by who ever owns the debt ... but the debt was settled for {$110.00} the company is XXXX XXXX ... ..A PYMT OF {$110.00} was made by me to the collection company to settle the debt and delete ... XXXX
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I was a victim of the XXXX data breach in XXXX ( see attached documents ). I, at that time, decided to receive credit monitoring services for free per the eventual settlement of the lawsuit. I did not sign up with it because I actually did not see the email in XX/XX/XXXX they sent about it with instructions how to sign up until today while gathering my documentation. The credit monitoring was to be for all three credit bureaus and through experian. This is the only connection I have found between the emails I have received the last 2 days asking to update my XXXX credit card information as the company is apparently trying to charge me for these services?? I called them right after receiving the first email asking for payment ( attached ) asking what they were trying to charge me for, and how they got my card information. After a circus on the phone, I got no answers. The girl had no idea why they were attempting to charge me, what a XXXX was, repeatedly talking in circles while I am eventually pleading with her to just close whatever service she stated I was enrolled in. Two hours later, I believed it was over since after I finally got off of the phone after all that time, I received another email stating all of the services I'll be missing out on after cancelation. 
Today, another email requesting payment. 
I am contacting other consumer legal organizations about this as well considering how inept this company has shown itself to be due to the prior breach and the time involved still dealing with their carelessness. I demand to know how they acquired my payment card information. I asked repeatedly on the phone, and after not getting any reply, the cs agent actually wanted me to give her my full credit card number. Over the phone. After already giving her my full social security number, full name, and address. I am unsure of the legalities of this, but will find out. I would have been a fool to give any more information to Experian. She insisted she needed it to " look in the system '' and find why my card number was in there. This needs to be addressed along with why Experian was attempting ( and apparently still is ) to charge me for services they agreed to due to the data breach settlement.
Consumer complaint received 2022-01-12
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. (GA)

Rep advise me that i can get a deferral on the acct to XXXX XXXX, advised the rep that i would like that option, still paid the acct when i received the funds, tried to fix with creditor, she advised she could do anything, she did state she seen when i talked to both reps prior to my next due date, i never been late on this acct or had this problem until i contracted XXXX
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

On or about XXXX in XXXX I called Capital One to work out a solution they were offering to the effect of COVID and I opted into their program with 2 of my Capital One accounts. After doing so, I was under the impression that everything was set because I had repeatedly asked and confirmed verbally. a few months later Ive come to a realization that both accounts have suffered a late payment reporting a total of derogatory payment on each account. Ive disputed and called them in XXXX of XXXX when I noticed that this has been going on and immediately made a payment that brought the account to date. The dispute However did not reverse any of the derogatory late payment marks on my accounts.
Consumer complaint received 2021-06-01
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. (GA)

The below account has been submitted to a collection agency in error. I have contacted the original debtor to verify that it was submitted to XXXX XXXX XXXX XXXX as a mistake. I am attaching the corresponding letter from the original debtor XXXX XXXX XXXX for reference. This account has been submitted as a collection account on all three credit profiles. I have since contacted XXXX, XXXX, and TransUnion to have this account removed, to no avail.
Consumer complaint received 2023-03-19
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: CREDIT ACCEPTANCE CORPORATION (MS)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My Capital One credit card with a XXXX  limit is not being reported by XXXX. As I have not missed any payments on this account their refusal to report this account is adversely affecting my credit worthiness.
Consumer complaint received 2019-03-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: ECMC GROUP, INC. (NJ)

We are trying to refinance these loans at a lower interest rate with another institution and XXXX/ECMC have failed to supply us with the proper pay-off documentation. In addition they have incorrectly categorized the loans as in default due to bankruptcy. These loans are not part of any Bankruptcy Plan and should not be categorized as such. In addition several attempts to correct both this error and a pay-off document have been met with failure on their part to make any effort to correct.
Consumer complaint received 2022-10-14
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. (GA)

I have submitted over XXXX letters to the credit bureau and nothing has happened I feel humiliated and frustrated now the lender ( XXXX XXXXXXXX XXXX ) has sent me a letter to have XXXX XXXXXXXX blocked and removed from my file they request the removal and so do I of the account immediately! I have attached proof this is me XXXX XXXX not a third party
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Uplift, Inc (CA)

Uplift and XXXX posted incorrect information about the status of my account. My most recent credit report Dated XX/XX/2022 shows that the last time this company updated my payment history was in XX/XX/2022. This account is paid in full, but your reporting doesn't reflect this accurate information. 

Inaccurate payment history information like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. 
I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (TX)

I have a money market savings account with Synchrony Bank. Synchrony bank sent me an email stating my access to the " funds transfer service '' was suspended and instructed me to call the bank to request the extension to be removed. When I called the bank, they stated they did not know why the bank suspended the transfer funds service and that the account was under review. The bank could not inform me of the reason the savings account was under consideration. I asked the bank if I could provide or verify any information for them, and they stated no. I have had this account for years, and I transferred the money that I made from teaching and tax season to save until my bills are due, and now I don't have a convenient way to retrieve the money.