davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
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: Experian Information Solutions Inc. (OH)

I have an account on my Experian report that is with XXXX XXXX. The account is listed as follows : Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner JOINT Account Type INSTALLMENT Creditor Classification Loan Type AUTO Original Creditor Name  The account is also opened as a result of fraud. The account was opened while I was away XXXX XXXX. There was no way I could have opened the account. I was in XXXX  for the period the account was first opened. Please check the attached documents and remove the account from my report.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (FL)

DISCOVER BANK account number XXXX was opend XX/XX/2014. I contacted Discover and they send me the info showing the info that was used to open this account. 
one problem is the email is not me and the person used his name in the email address. I was depolyed in the XXXX and had no clue of this issue. 

From discover : Additionally, the account was used for local transactions and several payments were made. It is also noted that the email address and phone number included in your CFPB correspondence, XXXX and XXXX, match the email address and phone number provided on your original application. 

I would like this account removed from ALL credit reporting complanys ASAP.
Consumer complaint received 2021-05-07
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. (CA)

I am showing 6 accounts on my credit report on three bureaus that are not mine they do not belong to me I have tried calling and disputing these accounts as well as sending letters to the bureaus and the furnishers and nothing is being done about this it is identity theft I have not applied or used or even know what these accounts are in my credit I need them off my credit report this is false showing of my credit account. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account INQUIRIES XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX 2020
Consumer complaint received 2018-02-27
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Dear Sir, My Name is XXXX XXXX XXXX, I have Saving and Checking Account in Well fargo for more than 15y, Also I heave safe Deposit Box ACC # ending XXXX joint with My Mom. 
One XX/XX/XXXX, I received letter from Wellfargo saying, they want to close our safe deposit box. 
I call main customer office, they dont know why and ask me to call local office. 
Local office have no answer and ask me to call customer office, both of each time I have to with more than 45min and I talk manager from branch, supervisor from Customer Service. 

I feel that they want to take away Our Safe Deposit box for any perticular Reason. 
I feel that hey are Discriminate again people dont speek much in English. 

Wellfargo Card # end in XXXX Soc # end in XXXX
Consumer complaint received 2021-05-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MO)

Paypal closed my account and will not help me with getting it back up and going I am not sure if this is some mistake as I assume it has to be.I have not been able to get help from them for over 6 months but I just remembered I could file a report on here as I feel they are not doing there job properly and its effecting me a great deal
Consumer complaint received 2020-09-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc. (MO)

This loan was paid XX/XX/2019 to XXXX XXXX XXXX, ( collection co. ) but when i contacted them they refuse to remove this account from XXXX. 
Contact info for the collection co.- XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-10-26
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. (FL)

On XX/XX/2020 I send a certified letter requesting validation of inquiries on my credit file. I was sent a generic letter stating, that the requested information was verified. The reporting agency did not fulfill their responsibility to conduct a proper investigation to my request according to FRA, Section 611 ( a ) ( 6 ) and ( 7 ). However, there were no information, as far, as to proof of who was contacted and what information was obtained to verify the accounts was accurate.
Consumer complaint received 2022-04-28
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (OR)

In accordance with the fair credit Reporting act XXXX Account # 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 open end consumer credit plan as late for purpose.
Consumer complaint received 2021-05-07
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. (GA)

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.
Consumer complaint received 2021-05-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HEAD MERCANTILE CO., INC. (OH)

I filed a previous complaint ( XXXX ) on XX/XX/2021 about deceitful tactics and abusive language by the representatives at The SOS Group. On XX/XX/2021 my complaint was marked closed and the response was that I would be contacted by the company. Later that day I did receive ( missed the initial call due to work, but played phone tag a bit ) a call from XXXX. He was kind enough but denied everything in my complaint. However the resolution offered was for me to update my initial complaint saying they resolved it and in turn, he would have the debt removed from my collections report ( which was a huge part of my initial complaint and he denied was ever promised ). I agreed simply because this absolutely destroyed my perfect credit which is another devastating blow after crippling medical debt. I updated my complaint praising XXXX in hopes he would stay true to his word. I received a call in XXXX that my automatic payment was declined for some reason and I needed to pay. I immediately did and called my bank after I got off the phone. They have no record of an attempted charge nor a declined payment. I cant think that this was an effort to prove I didnt follow through with my end of the agreement. 

It is now XX/XX/2021 and no effort has been made on the part of The SOS Group to follow through with their end of the agreement, the collections is still listed on my credit-the balance has decreased but it is still there. I am confident The SOS Group will again fail to admit their wrong doings and accuse me of lying. I am sure they will deny ever agreeing to this. I certainly would never have agreed to amend my review if this wasnt offered. Be aware when entering agreements with this group, they will absolutely lie and fail to live up to their word.
Consumer complaint received 2021-03-31
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. (LA)

To Whom It XXXX Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Collection Creditor : XXXX XXXX XXXX Collection Creditor : XXXX XXXX
Consumer complaint received 2020-09-08
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. (AL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report and to this day over 60 days later I have not received a response yet. Personally I feel like I'm being taken advantage of and this simply is NOT fair. Section 511 ( a ) it clearly states that failure to investigate these items within 30 days gives a reason to immeditately remove these items from my credit report but it has been over 60 days and they still havent replied so they should remove them ASAP. I demand these accounts be deleted immediately or I will be forced to take action with the FTC. This has been truly stressful. My information was also impacted by the XXXX  data breach and may have somehow gotten into the wrong hands. No matter what I need them to remove these inaccurate things from my credit report.
Consumer complaint received 2021-09-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

I tried logging into my online banking with Wells Fargo and was unable to get logged on. I called the bank the banker said that an investigation had been launched. That money was transferred from my joint account ( XXXX ) on XXXX for {$2000.00} to my personal account ( XXXX ) as its been done for years on a payday scale ( every 2 weeks ) and the money was now being placed on hold. This causes a major hardship as this money as always has been used in covering bills The banker advised that it was being reported as fraud. I advised that there has absolutely been no fraud on either account and that all moneys were authorized. I requested that the history of these accounts and the history of it being done this way be taken into consideration and the funds be released as not to cause hardship. I was read a statement saying that I would be liable for this {$2000.00} which I express my objection to as this has been the norm for these accounts, also that no fraud was committed and I confirmed that as normal all transfers were authorized.
Consumer complaint received 2021-05-07
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)

There are 5 accounts on my credit report that are not mine they have not been approved signed used by me this is a case of identity theft and I have been trying to get thru to the bureaus regarding this but after multiple letters that have been going out since XXXX of this year nothing is being done about this. I need some assistance Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX  XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 2019
Consumer complaint received 2021-05-07
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. (CA)

There are 5 accounts on my credit report that are not mine they have not been approved signed used by me this is a case of identity theft and I have been trying to get thru to the bureaus regarding this but after multiple letters that have been going out since XXXX of this year nothing is being done about this. I need some assistance Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRIES Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/2019 Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2019 2019
Consumer complaint received 2022-08-10
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-05-07
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. (NY)

On XX/XX/XXXX, Equifax dropped my credit score by 23 points because I disputed the remarks on accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I pay my bills all on time and disputed remarks on account and my score dropped 23 points. How is this possible. This is even though one my credit cards balanced decreased by {$1300.00}. This is not right and totally unethical.
Consumer complaint received 2021-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (GA)

ON XX/XX/XXXX MY SYNCHROBNY BANK MASTER CARD WOULD NOT WORK AT A SAMS GAS PUMP ... .THE CARD WAS LOCKED IN THE READER & A MESSAGE WAS DISPLAYED CHIP LOCKED ... .THUS I COULD NOT MAKE PURCHASE '' I WENT HOMEIMMEDIATELY STRESSING CARD HAD BEEN HACKED & CALLED SYNCHRONY BANK ( XXXX ) & WAS TOLD THEY CHANGED FROM CHIPTECHNOLOGY TO SWIPE & NEW CARD WITH SAME ACCOUNT NUMBER WAS MAILED & WOULD ARRIVE IN 7-10 BUSINESS DAYS. 

AS A DIRECT RESULT OF SYNCHRONY BANK TAKING THIS ACTION & NOT NOTIFYING ME OF CHANGE MY AUTO PAY COMPANY PAYMENTS STARTED BEING DECLINED GIVEN NEW EXPIRATION DATE ON NEW CARD WHICH THEY WOULD NOT GIVE ME OVER PHONE. 
FIRST, XXXX XXXX, AUTO & HOMEOWNER BILLS WERE REJECTED ... THAN XXXX ... 
THIS SITUATION REQUIRED ME TO CALL SYNCHRONY THREE TIMES, UNTIL SYNCHRONY BANK AGENT AGREED BY XX/XX/21 THE CARD MAILED ON XX/XX/21 WAS LOST. 
THEY THAN ISSUED A NEW CARD & PER MY REQUEST SENT IT XXXX XXXX TO ARRIVE THE MORNIG OF XX/XX/21. 

AFTER WAITING AT HOME THE ENTIRE DAY, THE CARD ARRIVED AT XXXX XXXX. 
I THEN HAD TO NOTIFY & SIGN INTO 8 DIFFERENT COMPANIES TO SUPPLY NEW CREDIT CARD NUMBER. 

NOW XXXX SENT ME A NOTIFICATION THAT MY CREDIT SCORE DROPPED 5 POINTS DUE TO LOST CREDIT CARD. 

I FEEL THIS COMPANY, SYNCHRONY BANK S PRACTICES PLACING A CREDIT CARD IN THE MAIL VERSUS XXXX OR XXXX XXXX IS NEGLIGENT. 
THEY CAUSED ME TO EXPEND AT LEAST 8 HOURS OF MY TIME FOLLOWING UP WITH THEM, CORRECTING THE CREDIT CARD NUMBER FOR MY USERS & OPENED ME UP TO FRAUD BY LOOSING THE CARD IN THE MAIL. 
NOT GIVING ME NOTICE OF THIS CHANGE WAS XXXX XXXX ON THEIR PART. 

IN SUMMARY, I SHOULD HAVE BEEN TOLD AHEAD OF TIME A NEW CARD WAS COMING & THEY SHOULD MAIL CREDIT CARDS BY XXXX XXXX  OR XXXX SO THEY CAN BE TRACKED. 
WE LIVE IN AN AGE WHERE FARUD IS VERY COMMON PLACE & THERE IS NO EXXUSE FOR SYNCHRONY BANK TO MAIL NEW CREDIT CARDS WITHOUT NOTICE VERSUS ADVISING THE USER & SENDING WITH TRACKING NUMBER
Consumer complaint received 2019-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Credit cards were opened in my name in early- mid XX/XX/XXXX 1 - XXXX XXXX XXXX $XXXX OWEDDate opened XX/XX/XXXX - I was in XXXX at the time ( Please note that I have attached my flight confirmation advising that I was arriving in the USA from XXXX onXX/XX/XXXX)- This card was even paid towards several times before the person stopped using it.this card was used regularly at many places.It was even paid off before being left delinquent.---I was living in the USA on an exchange visa from XX/XX/XXXX - XX/XX/XXXXI arrived back in the USA late XX/XX/XXXX.I left the country again in XX/XX/XXXX.
Consumer complaint received 2020-10-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2020 I placed an order with company XXXX XXXX XXXX XXXX. The order was for a roll of tape that was free, l just had to pay {$1.00} for shipping. When I checked my account shortly after placing the order, an amount of {$110.00} was charger from this company. I imedietly called their customer service and was informed that the {$110.00} was for a club membership that was never explained in the add i ordered from. I asked them to cancel the order and refund the full amount. They refused. I asked to speak with a supervisor and still to this date of XX/XX/2020 have yet to receive that call back. I have never received a receipt for my transaction of any kind. I contacted my bank to help in this matter. They were unable to help me. I called the company again to get the receipt for my bank and have received nothing. I have made numerous attempts to rectify this situation to no avail. Please help me in this matter. I have attached screenshots of all the information I have. The company refused to provide anything else.
Consumer complaint received 2021-03-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (AZ)

THIS IS NOT A DUPLICATE!!! 

XXXX XXXX XXXX never provide me with a HIPAA XXXXelease form, when they tried to validate the medical debt. which is a HIPAA violation!
Consumer complaint received 2021-05-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation (FL)

I am facing extreme financial hardship in medical problems. I had spoke to one main financial multiple times to try to assist me. Every time I call them I am giving the runaround.. I try to ask for different programs that they might offer that will allow me to reconstruct the loan where it's more affordable for me to pay and lower down the interest rate. Each time I'm not provided the necessary assistance in order to help me. It seems like I've been paying all this time in the payments are not even going anywhere. It seems like nothing 's actually going to principal. When covid hit. I was furloughed for my job. During all those months it was a extremely difficult. Even though I had returned back to work, the company has not been fully operational back to the way it should be. Still I'm not getting the required hours. They had multiple cuts across the board.
Consumer complaint received 2022-10-11
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: JPMORGAN CHASE & CO. (NY)

Amount charged {$2500.00}, XX/XX/XXXX Original with guardian veterinary was {$5600.00} pending for XXXX. XXXX never done. But double charged. Eventually they gave me credit for one charge {$5600.00} and a partial credit of {$3100.00}. 
My dispute is for another charge of {$2500.00} on XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Paperwork from my vet was sent to guardian. They charged me foXXXX XXXX XXXX XXXX {$220.00} ; and XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$250.00} ; XXXX XXXX XXXX {$310.00} and {$400.00} chemistry
Consumer complaint received 2022-04-07
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (OH)

Back in XX/XX/2021 I started receiving collection notices from Receivables Performance regarding a debt I claimed to owe. I contacted the agency in XXXX of 2021 to ask for a validation of this account. I was told they would send this information to me. I never received the information and they have since then added this information to my credit bureau files. I disputed the information with XXXX and informed them that I never received any documents pertaining to this account. XXXX recently notified me that Receivables Performance has reported this information as being accurate without providing me with the validation I requested. This information is still on my credit report.
Consumer complaint received 2020-09-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (CO)

I paid off our loan on a camper in XX/XX/2020. I have been calling US Bank about the title status/lien release since early XXXX. The lien release has never been received. Every time I call US Bank, they just keep telling me they will put in the request. Ive called no less than 12 times since early XXXX and keep getting the same run around. This lack of service is unacceptable.