davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (WI)

On XX/XX/2022 Montgomery Ward told me they WILL NOT remove my mother 's account from my credit report even after they identified in their letter that the account is not mine. How is this fair?? THEY REFUSED TO VALIDATE THE ACCOUNT AND CONDUCT A PROPER INVESTIGATION. THEY REFUSED TO SEND ME DOCUMENTS SUCH AS APPLICATION, CONTRACTS AND BILLS. IF THEY WOULD HAVE WENT THROUGHT THE VALIDATION OF THE ACCOUNT LIKE THE LAW TOLD THEM TO I WOULDN'T HAVE WASTED AN ENTIRE YEAR FIGHTING TO GET THEM TO REMOVE THE ACCOUNTS THAT BELONG TO MY MOM FROM MY CREDIT REPORT. THey can't base that an account is my responsibility when it clearly has someone else name and birthday because it was shipped to the same address. CLEARLY IN MY STATEMENT I SHOWED MY MOTHER HAS A SIMILAR NAME AND MONTGOMERY WARD ALSO SHOWED OUR NAME IS DIFFERENT ON THE ACCOUNT. This is really against the fair credit reporting act. How can they get away with putting an account that belongs to my mom on my credit report? What proof is there that I am responsible for my mother 's bills??? My name is XXXX, My mom is XXXX and they know this. We don't have the same birthday or the same social security number so why is it so hard for this to be corrected??? I sent my ID, Social Security Card and utility bill. Montgomery Ward CLEARLY SEE the difference with our name birthday and social security number!!!! XXXX also SEE the difference. I want this account deleted from my credit report as I have proven more than 10 times that it is not mine and it belongs to my mother. I did not cosign, and I am not listed on the credit application or any contracts!!!! 
These accounts do NOT BELONG TO ME and my driver 's license is attached again to show my birthday and name!!!!! 
SEVENTH AVENUE XXXX MONTGOMERY WARD XXXX XXXX XXXX
Consumer complaint received 2021-08-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (TX)

My ex roommate was sneaking using my card with out my permission, so I disputed the charges one of them was approved the other one they was supposed to give me a provisional credit for on XX/XX/XXXX if they were not finish completing the investigation I woke up this morning the credit wasnt there. So I called Today and they told me I didnt fill out the form correctly and to fill it out again and send it back because if they are not done investigating by the XXXX business day they have to issue a provisional credit on the XXXX day they closed the dispute without even investigating because they didnt want to give me the provisional credit for my card being used without my knowledge. They have another dispute on my account that has been open for almost 3 months now that they havent completed so I dont understand how they can complete this dispute so fast and the other one has been open
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Stern Recovery Services, Inc. (NC)

A loan was taken out without my consent. I called Stern Recovery Service and they wanted a {$1.00} fee paid by credit card not debit and i can't get a credit card unless this is fixed. It's {$1400.00} and I was not aware of this and I refuse to pay because that would basically be paying for someone who stole from me after being stolen from. I am not sure when this took place
Consumer complaint received 2022-04-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (FL)

My previous complaint # was XXXX My name is XXXX XXXX and I have given this company an Affidavit Of Identity theft and have informed them they are in violation of my rights by listing a fraudulent account with the credit reporting agencies. 

They are not also violating 15 U.S. Code 1692g, as only the consumer can validate a debt. I have informed this company numerous times this account is fraudulent and they continue to violate my rights. I am asking CFPB to violate this company and issue a fine in the amount of {$3000.00} for several violations they continue to commit and I also demand deletion of the fraudulent account. 

Once again, this company has not provided me with a solution to any of my complaints. I do not want a fraudulent bill history sent to me, I want this account deleted now.
Consumer complaint received 2021-03-19
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: Nelnet, Inc. (CA)

There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XX/XX/2020 and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. 

Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : DEPT OF EDUCATION/NELN Account Number : XXXX Account Name : ACCOUNT MANAGEMENT SER Account Number : XXXX
Consumer complaint received 2021-09-15
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX Opened XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (FL)

I, finance a vehicle with XXXX XXXXXXXX XXXX on XXXX and on XXXX furthermore, I paid the vehicle off, thru out the entire loan and until now the Lender has never send any reports or payment history to any of the ( XXXX ) Major credit reporting agencies and now after reaching the lender they claimed that they only can send a payment history over the mail.
Consumer complaint received 2021-09-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (NY)

I c system reported to the credit reporting agency that I owed the $ XXXXI have never been contacted about this debt from them. I was contacted by XXXX XXXX XXXX who also reported this debt for exact same amount and account number.dropping my credit score and no one wont remove one of them.my understanding is they cant place the same account with two different debt collectors and the second, IC system has never contacted me in regards to this.please have them delete one or both.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: WELLS FARGO & COMPANY (WI)

I have a wells fargo credit card and I HAD a wells fargo checking/savings account. 

I have mailed a certified letter about unauthorized purchases on both my credit and debit card. 

I have emailed wells fargo because i havent gotten a response from anyone. 
I can not log in to my account to review the past fees purchases or statements. 

Now i am at a loss. My credit report is showing i an 30 days past due, wells fargo wont respond or take care of this for me, i have disputed this on my credit report and am waiting but in the meantime my credit score went down and i have done everything i can to report and stop this. 
I have now lost a good standing history, i can not apply for credit because this does serious damage and I AM BEING HELD ACCOUNTABLE FOR WHAT SOMEONE ELSE HAS DONE I CAN NOT EVEN GIVE THE OFFICER WHO TOOK THE COMPLAINT THE DETAILED PURCHASES SO THEY CAN MAKE A REPORT BECAUSE I CAN NOT GET INTO MY STATEMENTS! 

RIDICULOUS!!!!!!
Consumer complaint received 2019-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

On XX/XX/XXXX I logged into my online banking and discovered that Navient debited my account on XX/XX/XXXX without my authorization or permission for {$150.00}. I have never authorized Navient since the inclusion of my loans in XX/XX/XXXX to automatically pay themselves. I last paid my bill on XX/XX/XXXX and was not subject to collection. I filed a complaint with my bank XXXX XXXX XXXX on XX/XX/XXXX.
Consumer complaint received 2021-09-15
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: EQUIFAX, INC. (LA)

I, the consumer pulled my consumer report and notice some unauthorized inquiries on my report. I called XXXX, Equifax, and XXXX stating that the following inquiries were unauthorized. These companies are in violation of 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. No consent is identity theft. Pursuant to 15 U.S. Code 1681c-2 this information should be blocked as it is a result from identity theft. Pursuant to 15 U.S. Code 1681n ( 1 ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; meaning I the consumer am owed 1,000 per inquiry as each inquiry is a violation.

I did not consent to, authorize nor benefit from any of the following inquiries. Please block and remove the following inquiries from each bureau. 
XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Lender Inc (NH)

I used SELF to build my credit and before it was due or posted on my credit report I had to cancel due to hardship of the Covid-19 virus and was told it wouldn't effect my score and within a matter of days the it did and my score went down. I am so upset by this and can not reach them anymore or they just don't respond.
Consumer complaint received 2021-08-02
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WESBANCO BANK, INC. (PA)

We took out a loan with WesBanco that included a payment for PMI insurance. We made significant improvements to our home and requested that we be connected to the process to remove PMI. We got shuttled around to a bunch of different people- and everyone told us they have no process to remove PMI by way of a reassessment. We know this is not how the law works, and have used property assessments to drop PMI with prior lenders. 

However, we got such a runaround and interest rates were so favorable that we decided to re-fiance. We engaged in that process and our loan was sold to XXXX. However, WesBanco began to send us a bill for XXXX $ a month. We went to speak with them at the branch and were told that WesBanco had made a double payment for our property taxes and that they now expected to recover from us, instead of the tax authorities. Because of this, the representative I spoke to told me not to make any payment and that they would take care of the issue. 

But then, a few weeks later, I got a call from a WesBanco representative stating I needed to make the payments or else they would place a lien on my home. I asked them to provide a written explanation for why, after refinancing and selling my loan, they were demanding further payment from me. The WesBanco representative said, " You signed paperwork with your loan that says that you are responsible to sign anything that needs to be signed later, so this is your responsibility. '' I told her that 1 ) I would like a copy of whatever document she was referencing - so that I could ascertain if such documentation placed the burden on me to work on the bank 's behalf to recover any funds they may have overpaid and 2 ) that I had still recieved no written notification that made an accounting for why I owed any money in the first place. She refused to agree to do this and informed me that they were sending the account to collections and would place a lien on my house. 

If the bank will provide a balance sheet that fairly shows that money is due, I will make prompt payment of the original balance. I will decline to pay any late fees, if any, as I think that it is reasonable for me to expect that they would have assessed the correct amount at the time of closing and, if not, reach out to me with a clear, written communication that demonstrated why the money was due. 

Simply saying, you owe us money because we said so ( especially after several representatives told us we did not ) is unacceptable, especially considering that we got into this issue in the first place because this bank refused to engaged in a PMI removal process, as required by law.
Consumer complaint received 2021-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Recovery Management (CA)

I sold my car in the California Cash for clunkers program last year. This year I received an erroneous collection agency ( Ascension Recovery Management, LLC ) charge for a payment of {$1400.00} dated XX/XX/2021 related to some tow yard issue with the car after my sale to California. They have been unwilling to provide support for why this charge was levied to me or how they got the car or how to resolve.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Despite a deletion of a derogatory item ( collection ), despite my avaivblile credit moving to 100 % and despite $ XXXX in student loans being paid in full and closed ; my credit score dropped 32 points. For absolutely no reason. The aforementioned things all occurred in the same week and instead of it improving my score it dropped it 32 points. This must be an error and needs to be corrected.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX Pep boys store id # XXXX i purchased and had pep boys install a supposed brand new starter on my XXXX XXXX well the problem is the starter didn't last but a nearly a week I purchased this starter with pep boys credit card which is rubbed by Synchrony car care I spoke to pep boys about this issue which was ignored after several phone calls and also spoke too synchrony car care representative who said he would look into the situation..about a month later I get bill for the services rendered which was XXXX my issue is I don't think I should be liable for a starter that didn't last a week it's not right..now I'm getting harassed by the Credit card company for payment and no one wants to take responsibility for this.Why should I be liable for there product that didn't last a week.please help me im a single father in a tough situation I don't have XXXX $ to give them for a failed starter.What can I do?
Consumer complaint received 2021-09-15
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (IL)

OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2019-09-25
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: BARCLAYS BANK DELAWARE (FL)

On a recent CFPB complaint XXXX Barclays agreed to compensate XXXX XXXX miles to my account. They did not follow through.
Consumer complaint received 2019-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (UT)

XXXX XXXX XXXX is attempting to collect on a debt I do not owe. I directly made a payment through the original creditor XXXX XXXX University online and paid the balance in full. I should not have any balances or any collections for this account. I had no idea, I received no notifications or phone calls about this debt. And I did not get my 30 day right to dispute, which is a violation.
Consumer complaint received 2022-08-02
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. (VA)

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 166B : 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 2021-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (OR)

I applied for a Care Credit card in order to finance some upcoming dental work. When I added my phone number and last 4 digits of my social, an address in the XXXX of XXXX XXXX XXXXXXXX would pop up. Someone with my name who lived in " Public Housing. '' Even though I changed the address to my address in Oregon, my application was refused. I have excellent credit, do not live in NY, and keep tabs on all three major credit reporting agencies. My concern over this caused me to freeze my credit, utility history, and bank records. Also to begin a subscription to an Identity Theft company as apparently this is affecting my Social Security number. 

I called the company who said they could not provide any info regarding the refusal but that I would get a letter. I received that letter this morning saying the following : " We have received your request for a credit product with CARECREDIT issued by Synchrony Bank. 
Unfortunately, we are unable to approve your request at this time. 
Your request was denied for the following reason ( s ) : High risk source of application '' The letter suggests the recourse be to within 60 days obtain a copy of a consumer report however I am looking at all 3 agency reports with credit ratings all in the XXXX 's and no info regarding an address in the XXXX. Please help.
Consumer complaint received 2022-04-16
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: EQUIFAX, INC. (WI)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX for XXXX XXXX, XXXX, XXXX for XXXX XXXX XXXX, XXXX for XXXX XXXX XXXXXXXX B, XXXX XXXX XXXX reference number XXXX, XXXX for XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX wisconsin XXXX XXXX number # XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC (VA)

Requested enter detailed information for pre-qualification. Told I am approved for up to {$7500.00}. Gave me a link to finalize application and offered me simply {$1000.00}. Asked how such a MAJOR discrepancy can occur. Offered no value explanation. Problem is final decision was based on same information as pre-qualification. Yet gjve two dramatically different credit approval amounts.