davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (FL)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my credit file and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. 

Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 


XXXX XXXX XXXX XXXX Florida XXXX
Consumer complaint received 2021-02-28
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: WELLS FARGO & COMPANY (CT)

On XX/XX/XXXX I sent out letter to have the debit from Wells Fargo removed as I filled it on my taxes as a cancellation debit XXXX form and the debit is still on my credit report. This debit is paid for now and should be up dated with Wells Fargo XXXX  XXXX  and XXXX  immediately.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Bridge IT, Inc. (WI)

Was a company to help repair credit was a prepaid loan if I paid a certain amount within a certain time then at the end of that term then I would be able to receive the money so actually it was a glorified savings account I did pay over {$400.00} and then covid hit and I lost my job so technically I do not owe them any money I never received a loan from them or any type of funds whatsoever they actually took money from me
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IA)

On XX/XX/XXXX, I contacted Equifax about the following negative accounts ; XXXX XXXX ( Date Opened XX/XX/XXXX, Credit Limit {$1500.00} ) , XXXX XXXXXXXX ( Date Opened XX/XX/XXXX, Credit Limit {$500.00} ) XXXX XXXX XXXX XXXXXXXX : ( XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$800.00} ) , XXXX XXXX XXXX ( XXXX XXXX Date Opened XX/XX/XXXX, Credit Limit {$500.00} ) XXXX XXXX XXXX XXXX  XXXX ( Date Opened XX/XX/XXXX, Original Balance {$15000.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Original Balance {$2000.00} ), XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX, Original Balance {$2000.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Credit Limit {$500.00} ) . Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-01-28
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. (VA)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation (CA)

XXXX, in relation to Telecheck, sent me a letter ( to my home address ), related to a purchase from an XXXX seller for XXXX. Apparently the EFT or check ( bearing check number XXXX ), was written on a closed account at XXXX XXXX  XXXX XXXX. All they would tell me was that it was an account ending in XXXX. They refused to provide any further information. A call to that bank indicated no accounts existed in my name in the past 12 months -- they had no information on this account. XXXX   asked for my License number and SSN, as well as other identifying information -- eventually they told me they required this information to investigate, though they refused to provide information to me about the account. For all I know they are a phishing scam hiding behind a collection business. I do not use use accounts like this to order online, I did not order form XXXX XX/XX/18 as alleged, and I can not investigate further. I have filed with the FTC regarding this issue.
Consumer complaint received 2021-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

Hello Sir/Maam, Im writing to you today as I have been a victim of XXXX XXXX by using Chase mobile application. There was a system hack, and someone I do not know, took out {$2400.00} from my XXXX XXXX Account. The XXXX name is XXXX XXXX XXXX XXXX, and the XXXX account number is XXXX. The persons name is XXXX XXXX XXXX XXXX, who I do not know. This unfortunate event took place on XX/XX/XXXX. I had already filed a claim number XXXX on XX/XX/XXXX with chase, and they gave me a temporary credit on XX/XX/XXXX. The credit was reversed on XX/XX/XXXX. 

I have been a customer with JP Morgan Chase for the past 3 years. Most of the bosses at my job have had chase which gave me enough faith and confidence to bank with you. I opened my first business XXXX XXXX XXXX XXXX with Chase. Im in the market to buy a house, and Im in the process of starting a mortgage loan with Chase. 

I have made several calls to Chase claims number XXXX, and they have all said that they can not reassert the credit. Im hoping that somebody on your executive team can help me with this predicament. I work very hard for my money, spending endless days and nights, and I do not want it to go to waste. Please help me. 

Thanks XXXX XXXX
Consumer complaint received 2022-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF THE WEST (CA)

On XXXX XXXX XXXX XXXX XXXX XXXX started reporting to all 3 credit bureaus that I owe them {$690.00}. I have no contract with this company. XXXX XXXX purchased my personal information from Bank Of The West Checking OR without my knowledge or permission. They are in violation of 15 usc 1692 and 15 usc 1681. Further more on the collection it states that it was {$630.00} and as of now it is {$690.00}.
Consumer complaint received 2022-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (DC)

This involves Apple Card/GoldmanSachs . On XX/XX/2022 my bank ( XXXX  ) processed a payment of {$3200.00} which I did not initiate. Strangely, on XXXXGoldmanSachs Bank put an entry on my Recent transactions ledger, showing the amount of {$3200.00} Declined by XXXX ( in red ). 
I called GoldmanSachs right away when I realized this, but I was told that the money never reached them and that I should inquire with XXXX. I did that but was told that GoldmanSachs has not returned the money. I I called GoldmanSachs again to find out that it would take up to 9 business days for me to receive the money. I kept checking daily to see if the money was returned, to no avail. 
Finally, I went to my bank where after a thorough investigation, I was provided the ACH trace number and was told that GoldmanSachs still has the money. Again, I called GS where I was connected with a manager who told me that he set up the case for me. After another call today, I was told that the money will be returned as a check and it will take up to 9 days. I asked about my payment due date which is tomorrow, but I was told that no accommodation can be made. 
So, GoldmanSachs has been enjoying my money since XX/XX/2022 and is planning to enjoy for 9 more days that is a total of 27 days for FREE!!! I have to come up with funds to cover my Apple Card bill tomorrow because I have to keep to the demands of GoldmanSachs, while that very bank does what it wants.
Consumer complaint received 2021-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CO)

We paid these two debts through XXXX XXXX. Both have been settled and paid. I have faxed proof of these settlements to XXXX and they have acknowledged that to me verbally. I was told they had received the information and were working on it. 

They keep asking for the money, then they understand my frustration, then they will check it out, then nothing until another collection call. I want this cleared up and acknowledgement from them it is corrected.
Consumer complaint received 2021-05-22
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 ()

Paypal closed my account for no reason and will not help 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 months but i just remembered i could file a report on here as i feel they are not doing their job properly and it is effecting me a great deal as i used payPal quite frequently My email linked to my payPal is XXXX XXXX
Consumer complaint received 2021-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (NC)

I have tried to resolve this problem with XXXX XXXX-as this account was to be deleted from my credit report due to the nature and the tactics of how they unlawfully repossessed the vehicle and due to the nature of the lawsuit that the company has been pursued against the company. I have contacted the company and the attorney general and the company even produced the paper work with the incorrect information to the attorney general. Inaccuracies are continuously being reported to the credit bureaus and the company keeps verifying and updating incorrect information. In the State of NC you are supposed to receive a notice of right to cure XXXX XXXX intentionally put the incorrect address on the letter, on the explanation of calculation of surplus or deficiency they only sent it to the co-borrower and not to the buyer/borrower. They are they are listing several different account numbers for my account, on my credit reports the account numbers are ending with XXXX on the statement sent to the attorney generals office the account number is ending with XXXX, I am confused with this account. 

Page 4-Explanation of Calculation of Surplus or Deficiency- was only mailed to Mr. XXXX XXXX which is the Co-Borrower ( XXXX XXXX did not receive a copy of this form ) Page 7- Notice of Right to Cure-Mandatory Form- XXXX/XXXX XXXX-intentionally listed XXXX XXXX XXXX address as the same as XXXX XXXX XXXX address when this has never been XXXX XXXX XXXX known address. or has never been an address they had for XXXX XXXX on file, as you can see on page 6, they listed XXXX XXXX XXXX address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, her known address on file.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I requested Experian to remove all old addresses and phone number off of my personal information.Experian refused to remove this information.The information is reported wrong on credit report. Please remove information off of my personal information. 
Please send me a copy of updated credit report to address listed below.
Consumer complaint received 2023-07-31
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-08-06
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: SYNCHRONY FINANCIAL (CA)

To Whom It May Concern : I have been a victim of identity theft. Fraudster ( s ) have tempered my information ie SSN, date of birth, address and / or name, and applied for credit applications. 

Financial institutions : XXXX, XXXX XXXX, Sychrony Bank, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Merchants { XXXX, Lowe 's XXXX XXXX XXXX XXXX XXXX and Mattress Firm }. 

I have reported fraud to all Banks and Merchants as noted above. 

Today, I was notified by family member that my information is misused with Synchrony Bank and applied for addt'l credit application with Lowe 's and Mattress Firm. Credit application was issued from Sychrony Bank located from XXXX XXXX XXXX, XXXX FL XXXX. Sychrony Bank had assured me that my social security and information will be frozen and alerted within their Fraud Department. Yet, today Synchrony Bank is allowing application approval { in-person or online }. I would like to report Synchrony Bank continued for failing to protect my identity when I have reported numerous times. I have placed a credit freezes on my credit report with three report agencies : XXXX, XXXX and XXXX. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-06-23
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: Incomm Holdings Inc. (MO)

XX/XX/22 purchased VISA VANILLA AMOUNT TO BE ON CARD {$75.00}. XXXX XXXX XXXX XXXX  " UNACTIVATED ''. 
RETURNED TO XXXX, XXXX DIRECTS ME TO CONTACT XXXX 
THE MANAGER CALLED XXXX XXXX. CUSTOKER SERVICE. 
, I THEN HAD TO FAX COPY OF RECEIPTS AN DOCUMENT NOW THEY ARE WITH HOLDING MY FUNDS FOR 3_5 DAYS. I VANILLA VISA CARD- XXXX IS REFUSING REFUND VISA VANILLA CUSTOMER CARE IS WITHOLDING FUNDS.
Consumer complaint received 2018-02-20
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. (IL)

I have reached out and filed disputes with XXXX, Equifax and XXXX about reporting inaccurate info on my credit report and the only thing they have done was updated I am not sure of the dates but most recent was XXXX of XXXX and it came back as not removed or deleted but updated. I have asked these credit bureaus to validate the accounts first and since then I have not received any updates verifying these accounts. I have also called each credit reporting agencies to update personal information and disputed inquries that I have not consent any company to check my credit and there has been no change since last year XXXX.
Consumer complaint received 2021-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (CO)

I do NOT have any debt other than my monthly bills. My credit score is over XXXX. These people at XXXX XXXX and XXXX have been calling me and leaving a recorded message almost everyday for 2 months now. I can not get them to stop
Consumer complaint received 2021-07-08
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: Affirm Holdings, Inc (NJ)

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 30 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

This card was closed by me in XX/XX/XXXX ( to avoid hefty new annual fee ). I was still using the card in XX/XX/XXXX. On XX/XX/XXXX, I was advised a merchant was issuing 3 refunds totaling {$1100.00} back to the card due to COVID cancellation of an event I paid for with the card. I called Chase customer service on XX/XX/XXXX, who confirmed the refund back to the card would be received and I could access it. On XX/XX/XXXX, Chase advised they had " purged '' my account and would not receive the refund, I could no longer access statements, and I could no longer access XXXX Spending Reports for tax purposes, which was a substantial benefit of this account. Chase advised that the {$1100.00} refund would be returned to the merchant, which could take another 30 days. Chase 's own policy is not to purge until an account has been closed for six months or longer with a zero balance. Chase has no explanation as to why I was misinformed on XX/XX/XXXX, or why my account was cherry-picked by Chase for purging only three months after it was closed. Please help!
Consumer complaint received 2021-02-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed (TX)

ive ask them to produce documents to where i have signed and agreed to pay the alleged debt / legal documents between me and the company. they have have failed to produce and are continually placing inaccurate information on my credit reports. they refuse to remove
Consumer complaint received 2022-08-22
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. (VA)

In XXXX of XXXX I submitted my initial complaint against XXXX XXXX It is as follows : On XX/XX/XXXX of XXXX  I checked my credit report and found an collection account that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to XXXXXXXX XXXX that same day. On XX/XX/XXXX of 2021 I received a response from the company saying that an investigation was going to be done into the matter and in the meantime the account would be deleted from the credit reporting bureaus, that was never done. I never received any update or validation into this erroneous account. Instead, it remained on my credit reports and continued to lower my credit scores. On XX/XX/XXXX of 2021 I sent a following up request into this matter directly to XXXX XXXX. I let them know that it had been over 5 month since my initial request for validation and advised them that they had violated my consumer rights by having the account removed from my credit reports and by not validating the debt while continuing to report it. I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. They in response they sent me a letter stating that my request for validation was frivolous and irrelevant even though they never followed up their legal end of the deal. I am requesting for this account to be removed from all XXXX of my credit profiles immediately. 

The response I received was that this company didn't believe they violated my consumer rights and they continued to report the account as collection account with missed payments. Following that response I paid the account in full with agreement from the company that is would be removed from my credit reports. Since then it has been removed from my XXXX reports but not from my Equifax and XXXX reports. This account is continuing to report as if I am missing payments each month which in fact is not true as this account is paid and should've been removed. My validation letters to the company have been ignored for the last 6 months.
Consumer complaint received 2022-04-24
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: Oliver Adjustment Co. (AL)

Oliver adjustment company at XXXX XXXX XXXX XXXX, WI XXXX has been sending me collection notice in {$530.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.