davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Credit Corporation (FL)

i applied for and was preapproved for {$1000.00} on XX/XX/18. after verifying my identify by way facial recognition, providing my state issued commercial drivers license and my bank statement, i was APPROVED and UNDERWRITTEN for {$1000.00} credit limit. On XX/XX/2018, i received the welcome email stating my card is on its way. Today. XX/XX/2018, i received a random email stating my account has been closed due to conflicting information, but the email never stated what was conflicting nor did the creditor ever give me a call to speak about this. 

I replied to their email but have yet to receive a response.
Consumer complaint received 2018-09-25
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. (FL)

On XX/XX/2018, XXXX XXXX credit card stated they will REMOVE ALL LATE PAYMENTS from XXXX - XX/XX/2018. However, I checked my credit report from Equifax, XXXX  and XXXX AGAIN to find that the late payment remarks still exist. I have also submitted two previous disputes with each CB as well as CFPB but nothing has been deleted and it's really stressing me out. When i contacted XXXX 's on XX/XX/2018 to take care of the past due balance, the collections supervisor stated verbatim that the negative XXXX 's trade-in would be redacted and deleted within 30 days, which would have been by XX/XX/2018. However, as of XX/XX/2018, the negative balance had NOT been deleted, which prompted me to send another complaint.
Consumer complaint received 2020-07-10
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name CHAPTERXXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER  XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am a victim of identity theft, I have asked for all proof that this account belongs to me and try to see what documents were submitted to open this account. I have received nothing. Attached is the account at hand and the identity theft affidavit. None of the account information is correct not even the address they have on file. 

THIS ACCOUNT NEEDS TO BE REMOVED NOT ONLY FOR INACCURATE INFORMATION BUT I DID NOT OPEN THIS ACCOUNT
Consumer complaint received 2023-01-08
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: Experian Information Solutions Inc. (TX)

This will be my first and last attempt to remove these unauthorized accounts from my consumer report before involving civil institutions. Under 15 U.S Code 1681b - Permissible purposes of consumer reports any consumer reporting agency may furnish a consumer report under the following circumstances and no other, the written instructions of the consumer to whom it relates. I never gave that consent, which violates my privacy. Second, according to 15 U.S. Code 6802, I have the right to opt out of reporting if non-public information is being furnished. One, I was not disclosed of that right by the creditor to opt out, Nor is the contract between the creditor and I public information. Per law, identity theft means non-consent. Please provide substantial documentation validating consent to furnish these accounts. Please block and delete the listed items immediately. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I have multiple transactions that I did not authorize and my card has been missing since the XXXX of this month. Unfortunately I had my pin on the back of IT. This has never happened to me before. Usually I am on top of things but lately I have experienced some health issues, and I can't believe that As many times as I've called no one has assisted me with this issue. I desperately need my money as well as a new card. Alls they do is transfer me and after 1- 3 hours later I get disconnected. PLEASE HELP ME IN RESOLVING THIS MESS.
Consumer complaint received 2020-10-13
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

Hello I was recently going over my accounting which i check my statements from Wells Fargo every other month, I noticed that from XX/XX/XXXX to the XXXX of XXXX, there were XXXX worth of unauthorized XXXX  transfers. 

XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX XXXX total XXXX I called immediately when i found out at XXXX on XX/XX/2020. Spoke to claims and they gave me a number to call in the morning. Recently I recieved a letter from the hospital stating that my personal information has been leaked and that I should check if I have been a victim of fraud. I paid it no mind at the time, until I started doing the accounting for my new XXXX XXXX and was checking the debits and credits due to me recently linking this account to the XXXX. When I came to the conclusion I was around XXXX short I immediately called or tried to. to get this situation resolved. I called back in the morning to no avail. I have many other XXXX  transactions on there that Iam fully aware of, the ones i dont i contested and have yet to get an positive feedback
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

I filed a complaint that was closed yesterday, and there was NO resolution. The representative that responded to you did not do as they said. They attempted to call me exactly one time, from a VOIP number, that when dialed back said the number was not a working number. They sent no email to the address they have on file for me, instead sent me a masked email through this service stating they had made several attempts to reach out to me to gain further information to see what could be done. One phone call is hardly several attempts. The number that they left in the email for the fax contact is not a working number, the phone number goes straight to a voicemail box to which I left 3 messages and did not have a returned call. There were 3 cash advance attempts made on my card on XX/XX/XXXX. Two for XXXX and one for XXXX. All three transactions were declined by the card issuer, however, the funds still deducted from my balance. I called them right after it happened to start the dispute process and sent in my information, along with the batch out report the manager of the establishment gave me showing that no cash advances were processed and no money had been paid out. That was in the very early morning of XX/XX/XXXX as I was on hold for almost 3 hours. I got the fax number from the representative I was speaking with so I could fax the information in right away instead of waiting on them to mail me a form, from dealing with this company before hand with my mother I know how caniving they can be. I received the docutmentation from them on XXXX and faxed the information into them for the second time, just to make certain that there was no way they could say that I did not give it to them in time. According to Regulation E if they are going to take more than 10 business days to investigate then provisional credit must be applied until the investigation is completed. XX/XX/XXXX was the 10th business day and i was told mulitple things by different reps from their company. Today I check my balance to see if I have enough to make an online purchase and I notice that 2 of the 3 charges  were credited back to my account, ONLY to have them deducted again immediatley. They are not following their word, they are violating the law, and I am out almost {$2000.00}. If this can not be resolved by them I have no problem with escelating the situation and seeking private litigation.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (OH)

XX/XX/2020 It says I have no credit but I think my identity has been stolen as I've been receiving many scam calls and emails asking for my information and I clicked one of the emails by accident and feel my information is being used to take out student loans and or credit cards
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Al XXXX SSN : XXXX DOB : XXXX NCB Payment and Correspondence is listed on my credit reports but i have no debt with them. I was told they bought my account from another collector. After reviewing my credit report I noticed a lot of inaccuracies on my credit for said account. The date the account was opened is wrong for all accounts. Also, the date the account was reported is not correct. There is no verification date listed on my credit report. The date shown for last activity is not correct. There is no last payment date listed. Please investigate so that I can have these errors removed from my credit reports.
Consumer complaint received 2017-09-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours (AR)

Bank name : XXXX XXXX Name : XXXX XXXX Issue : there is an application called Activehours and he pays you daily and at the end of each pay period it takes it from your account. My bank is being slow into excepting this but I was wondering if you guys can contact XXXX XXXX XXXX in advised him that this is the situation a monitors my bank statements and my pay periods him and then he pays me daily of a percentage not the full check amount so it actually helps me out because I have daily task that I need to do and I ca n't afford living off two weeks. Active ours is the application I need uses location-based and you have to submit Time sheet to be able to qualify and it 's a long process I was wondering if you guys can contact XXXX XXXX and confirm with them to our knowledge that active hours is a good application thank you so much for your time and effort XXXX my phone number is XXXX
Consumer complaint received 2024-01-27
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: Experian Information Solutions Inc. (GA)

Upon reviewing my credit file, I have noticed several unauthorized credit inquiries that were made without my explicit authorization.

I would like to request and formally ask Experian to promptly investigate and remove the unauthorized credit inquiries from my credit report. These inquiries have negatively impacted my credit score and financial standing, and I believe they were conducted without my consent. 

Please find the details of the unauthorized inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-13
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: SYNCHRONY FINANCIAL (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-10-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My capital one card and XXXX credit cards have all been hacked multiple times. After so many times of disputing transactions I decided to freeze those credit cards, until I could catch up on all the transactions that were going on. 
You see, i worked as a XXXX  XXXX for the XXXX XXXX with a company called XXXX XXXX XXXX. For 6 years I collected a few XXXX XXXX XXXX/XXXX XXXX, and XXXX  marked another XXXX XXXX acres all of which were under deadlines. There was not much down time let alone cell service to keep up with these fraudulent charges, and from using unsecured WiFis like XXXX, cheap hotels ( had a phone stolen also a riffle ), XXXX to send XXXX XXXX data in didnt help. 
I gave the XXXX XXXX everything I had, and now Im paying for it. With no XXXX XXXX  east of the Mississippi, and me being thousands of miles from home, I Found myself forced to not even dispute some charges just for the fact id be trapped without money. 
Both the XXXX credit card and capital one did notify me of fraudulent charges, but being in the national forest for weeks at a time I would end up finding myself getting behind and behind, to the point that Ill never catch up to the wrongful/disputed charges. I also need a new S.S number, I cant even check XXXX XXXX  because someone already has it under my email. 
I gave so much to our XXXX XXXX XXXX/XXXX XXXX that I would hope Uncle Sam can help me in a time of need.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OH)

I filed for XXXX XXXX Bankruptcy for a business in the XXXX XXXX XXXX OHIO Docket # XXXX. 
This bankruptcy was canceled and should be removed from my reports. Also, this was not a personal bankruptcy but a business and should not be reporting on my personal credit report.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed for XXXX XXXX Bankruptcy for a business in the XXXX XXXX XXXX OHIO Docket # XXXX. 
This bankruptcy was canceled and should be removed from my reports. Also, this was not a personal bankruptcy but a business and should not be reporting on my personal credit report.
Consumer complaint received 2020-11-26
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. (LA)

On XXXX/XXXX/2020 I've sent dispute for all unknown and inaccurate accounts on my credit report. But there's still no response over 30 days. I was a victim of Equifax data breach. I demand to delete all unknown and inaccurate account ASAP or I will file a litigation.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Tebo Financial Services, Inc. (OH)

On XX/XX/XXXX At XXXX I received a voicemail from XXXX XXXX XXXX XXXX regarding a debt that was owed to Tebo Financial. I contacted the company and spoke with XXXX and advised him that on XX/XX/XXXX I had filed chapter XXXX bankruptcy and that this debt was included in the case. I provided the representative with the case # XXXX, and the representative continued to try to collect on this debt. When I advised him that he was in violation of the bankruptcy laws once given this information ; the representative continued. I ask to speak with his supervisor and also advised him that upon given the bankruptcy information calls and collections must stop. 

XX/XX/XXXX at XXXX ; I received another voicemail from XXXX XXXX XXXX that was and automated message, so I called the company again and advised that calls are to be stopped, and Spoke again with XXXX and was advised that was automated system. 

XX/XX/XXXX at XXXX XXXX ; I again received another voicemail from XXXX XXXX company regarding the same debt for Tebo Financial, and again spoke with XXXX. I advised him once again that they were violating FDCPA, Bankruptcy, and other laws since they were given the bankruptcy information and I informed them if the calls continued I would contact the Bankruptcy court, and file a complaint. 

XX/XX/XXXX at XXXX XXXX : I received another voicemail from XXXX XXXX XXXX from representative XXXX. I returned the call and advised XXXX that I had already provided the information regarding the Bankruptcy information and that there are to be no more calls. The representative stated that there were no records of this information, and that he would look into it and ask if he could call me back. I advised him that he could not call me back that the information was already given, and he could check that Bankruptcy court. I received another voicemail on XX/XX/XXXX at XXXX. 

XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and XXXX XXXX I have received voicemails from XXXX again asking to return call regarding this debt. This has now become harassment and I want this company stopped
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : U S DEPT OF XXXX XXXX Balance : {$6200.00} DEPT OF EDXXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU XXXX Balance XXXX {$6200.00} DEPTEDXX/XX/XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I filed for XXXX XXXX Bankruptcy for a business in the XXXX XXXX XXXX OHIO Docket # XXXX. 
This bankruptcy was canceled and should be removed from my reports. Also, this was not a personal bankruptcy but a business and should not be reporting on my personal credit report.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Experian is reporting inaccurate accounts and information on my consumer report in which I request them to investigate these accounts. I reached out to the creditors and asked them to verify anything that theyre reporting on my credit report. The accounts listed in my dispute never belonged to me nor do I have knowledge of who they are asking to collect debt. Ive reached out to the creditor asking them to verify this debt, which they couldnt so how does this debt belong to me? How can I owe them a debt if there was a mutual agreement set in place? I understand that it is Experians duty to do whats fair and equitable for the consumer and I am asking them to thoroughly investigate these and remove anything thats unverifiable, inaccurate or under violation. Anything thats inaccurate or not verifiable must be removed from my consumer report immediately. Included in my complaint is a new dispute letter with the inaccurate accounts and information listed. 



Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2019-11-05
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (CT)

My complaint is about an automobile leasing plan I have with GM Financial ( account number XXXX ) and the frequently in error invoices they have sent me that have led me to make overpayments. The terms of the lease are that the monthly payment is {$230.00} per month plus the CT State taxes that are due once each year. 
1. The current invoice from GM is in the amount {$1200.00} that I assume is for the ( $ 237 monthly amount ) + XXXX XXXX taxes of {$560.00} ) = {$800.00}, resulting in an over-billing of {$470.00}. 
2. Also, according to my records I was billed twice for XXXX taxes, an amount {$520.00} x 2 = {$1000.00}, resulting in an overpayment by me of {$520.00}. 
3. Items 1 and 2 above have resulted in overpayment by me of {$470.00} + {$520.00} = {$1000.00}. 
4. The above discrepancies may be due to the fact that XXXX 's automated billing software is still in a beta form of development as evidenced by the following observations : a. The amounts stated by their automated telephone billing service do not agree with the printed amounts received by me via XXXX. 
b. XXXX can not explain why these differences exist, except to state that their software is known to be defective. They can not provide me with an accurate manually generated spread sheet showing the charges against my account and the payments I have made, which would allow us to pinpoint where their errors have been made and so that they may be corrected.