davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

My dispute involves mainly Experian but XXXX and sometimes XXXX as well. Their tactics are so transparent. They clearly make more money by reporting anything and everything to make consumers look like a credit risk. Example XXXX XXXX mistakenly pulled my credit a second time within a 30 day period after I spoke with their senior executive that assured me they were n't going to. When it happened of course the XXXX bureaus are hot to report it. I contact XXXX XXXX and get a letter stating it was a mistake. I forward that to the bureaus and now comes the run around. It took several months to get it removed however Experian refused to do anything except change it from a " hard pull '' as they call it to a " soft pull ''. They then further penalized me by removing or reporting incorrectly my " good '' credit history. My stellar XXXX accounts ( XXXX ) are now removed as well as other good accounts and they give me minus point for, you guessed it " lack of good credit accounts ''. I tried calling them, writing them online and snail mail to dispute, and they always have a stall tactic. I 'm tired of the run around. I 'm tired of paying too much because they skillfully and unscrupulously maneuver things so that I can never qualify for a better finance rate. I 'm fed up with it! I have plenty of documents to support my situation and monitor my credit closely.
Consumer complaint received 2017-03-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

please find attached the FTC and the dispute letter, for which i have been sending to XXXX credit agencies for many times and they have not been able to resolve this issue, i am a victim if ID theft and have the police report attached to mu documents. 
XXXX accounts are not authorized and need to be removed from my records ( attached dispute letter ).
Consumer complaint received 2016-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Experian Dispute Department XXXX XXXX XXXX XXXX, Texas XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/NAVIENT XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XX/XX/2021
Consumer complaint received 2015-05-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I was notified of negative activity in my credit report In XXXX XXXX by my financial institution. Upon investigating I realized XXXX XXXX XXXX had reported late payment on a credit card held with this company. I had not used this credit card since paying off my debt of {$1600.00} in XXXX. I called XXXX Fraud department to inquire why and what I was reported for. I was transferred to customer service and was told that the card had been used to make a purchase of {$4.00} at a XXXX on XXXX/XXXX/XXXX. I explained that I had not used this card and was not aware of this purchase. I was told to submit a written statement regarding this incident. A written report along with the required documents was faxed to XXXX XXXX XXXX. I was told they would investigate and send me a report on their decision. I received a letter from XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating they had updated my credit report with the credit reporting agencies : XXXX, Experian and XXXX " to read as a current account with a balance of {$0.00}. 
XXXX XXXX XXXX did not clear my name for the late payments reported to the credit reporting agencies and this significantly dropped my credit scores. I have since attempted to get them to do this so my previous " Excellent and Good '' credit report status could be reinstated. I was told with time I can rebuild my credit report. I did not destroy my credit report, I have worked hard to build and sustain my credit report and would like for this company to report that I was not responsible for the late payments since I did not use this credit card. A zero balance report did not address the fact that I did not use the credit card and was not responsible for the late reports submitted to the credit agencies. I have not made any payments to XXXX XXXX XXXX, by reporting a zero balance it suggest to the credit reporting bureaus that I was in fact responsible for this transaction and guilty of a late payment which has since been settled to a zero balance. Due to the incompetency of this organization my credit score has been adversely affected. I am kindly soliciting this organization assistance in reinstating my good name which I have worked very hard to maintain. Thanks for your support in this endeavor.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

On or around XX/XX/XXXX I directly disputed a collection account ( XXXX Accounts ) with Experian, as they did not validate the debt pursuant to my request and federal laws. Allegedly, Experian conducted an investigation and determined that the account was mine. On or around XX/XX/XXXX, I requested that Experian provide me with the method in which they verified the account. To date, Experian has not provided me with their method of verification.
Consumer complaint received 2015-07-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (AL)

I 've been a customer of Regions bank since 2008 when my mother and I set up an account before I went off to college. Initially when the account was created, we made it very clear that we did not want my account to be overdrawn due to insufficient funds. At XXXX years old I was financially irresponsible and did n't want to risk being penalized a ton of NSF fees so we wanted the debit card to " decline '' rather than continuing with the transaction and earning a fee. Due to recurring NSF fee charges on countless occasions, I 've been to Regions Bank multiple times to reiterate that I did not want the " overdraft protection '' yet I was still being charged NSF fees when I specifically stated that wanted the card to decline. 2 months ago I visited a local Regions Bank concerning the issue and it was finally resolved with the click of button their computer. I 've been wrongfully charged NSF fees for the past 7 years and I should be compensated for those charges.
Consumer complaint received 2016-10-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (NY)

experian is reporting incorrect information on my credit report. I tried to re-dispute information that is incorrect and the system will not allow me to do so. My report number is XXXX. First they will not correct XXXX accounts with XXXX. These XXXX accounts are reporting as discharged through chapter XXXX bankruptcy. This is FALSE information as I NEVER filed chapter XXXX bankruptcy. This is having a very negative impact on my credit score with this wrong information. I contacted the original creditor and keep being told that it is confirmed that I never did chapter XXXX bankruptcy with them and it will be corrected. I reported XXXX to the XXXX and received a response from the XXXX that they never responded. I am complaining about this because it is ruining my name and my credit worthiness having this false information on my credit report. Also capital account acct # XXXX is reporting an incorrect balance. The collection agency has agreed to delete this from my credit report. I submitted a dispute with experian in regards to this and received a response it has been verified. This is also incorrect so I tried to re-dispute it again and again the system will not allow me to do so. It says that I already previously disputed it and they will not allow another dispute. This is completely wrong as well. Experian is ruining my credit score with incorrect information that they refuse to do a proper investigation. This is causing me a hardship in obtaining credit.
Consumer complaint received 2015-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (MD)

The following letter was sent to Credit Management LP on XX/XX/XXXX, no reply was received. 

On XXXX XXXX I closed my account with XXXX and returned the equipment on XXXX XXXX. I requested that XXXX send me a final bill for balance owed XXXX 2 days XXXX. 

I contacted XXXX on XXXX XXXX and XXXX XXXX inquiring about the FINAL BILL and was promised that one will be sent. 

On XX/XX/XXXX, I received a letter from Credit Management indicating tat I owed XXXX {$74.00} which was reported to the XXXX credit bureaus as a collection. 

I contacted XXXX on XX/XX/XXXX concerning my account being sent for collection for {$74.00}. I spoke with XXXX who researched that the amount I owed was {$20.00} which I paid with my credit card., she also said that {$52.00} will be adjusted. 

On XX/XX/XXXX I checked my credit report and found there was a balance outstanding in the amount of {$5.00}. I called XXXX and I believe I spoke with XXXX who indicated the amount was inadvertently charged and should have been waived and an adjustment will be made to the account. 

This charge resulted in my credit score being reduced from the XXXX 's to XXXX ( Poor ). I was not at fault for this vexatious charge from XXXX. 

I request that this collection and derogatory statement be removed from all XXXX credit bureaus and inform me by mail when completed.
Consumer complaint received 2016-10-19
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (FL)

I have had this card since XXXX 2016, I 've paid the annual fee, called XXXX and the bank several time, filed a CFPB complaint, and spoken with the office of the presidents of the bank. My card HAS NOT BEEN LINKED TO XXXX ... I have a useless card that I paid the XXXX on and I ca n't use one benefit .... I 'm not asking for anything other then to please just link my card, issue me a new account if you have to ...
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (FL)

I have had an account with PAYPAL MC since XXXX XXXX, 2014. However, I my balance and history got transferred to Synchrony Paypal MC which is the same thing and history but in my CREDIT REPORT its showing as a new account in which it effects my credit. It now showing as a NEW ACCOUNT but its not a new account because my history and balance is the same. 

I AM REQUESTING THAT THE CREDIT CARD REPORTS TO XXXX AND XXXX THAT THE ACCOUNT WAS OPENED ON XXXX XXXX, 2014.
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (OH)

This is in regards to my Care Credit account which is a credit card. Care Credit is a subsidiary of Synchrony Bank. There was a fraudulent charge on my account for {$750.00} on XX/XX/XXXX from XXXX in XXXX, CA, I live in XXXX Ohio. Care Credit is not allowing me to make a payment on my account for the balance that I had prior to the fraudulent charge. Care Credit has admitted that they have mishandled my account while investigating the fraud and due to that are now unable to take a payment. They are advising me that I now have a credit on the account and there is no balance owed. I spent 1 hour and 40 minutes on the phone with them today to find out that their Risk Department has mishandled my account, they do n't know when it will be fixed and they ca n't take a payment because it states I have a {$0.00} balance. The representative on the phone advised that the only recourse with the company that illegally used my information was to get a lawyer. No resolution was provided or ETA for the errors caused by Care Credit to properly fix my account.
Consumer complaint received 2015-07-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

On XXXX XXXX, 2015 I purchased a new vehicle and attempted to trade in my car previously purchased from the dealer. At which time the car dealer where I purchased said I was up side down on the car. So I placed a down payment on the new purchase ; that Monday XXXX I placed a call to Ally Car Financial and informed them of my purchase and explained the situation to the Customer service person. At which time I asked them to take possession of the car. The customer service rep place me on hold and stated she would contact collections and explain then transfer me ; she returned from on hold and stated she could not transfer me because collections were refusing to speak with me. I informed them of where the car was located to retrieve and that I would not be making anymore payments. Since they have not picked up the car my credit is being affected by the delinquent payments. I know the repossession will affect my credit which is my decision but the delinquent payments are due to their refusal to pick the vehicle up.
Consumer complaint received 2015-11-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CT)

Plain and simple : Scottrade has enormous hidden fees and cost me over {$200.00}. 

I opened an account with Scottrade a while ago and the branch manager that assisted in the account opening pretty much swore that the only fees are the {$7.00} per trade. Well that could not be more false. The additional and hidden fees at Scottrade are enormous and Scottrade does charge more than {$7.00} per trade. 

What is most worrisome is that Scottrade could not explain each one of these fees for me and instead repeatedly asked me to call the national center for advice. The national center could not answer them either, only stated that they would get back to me within a week. 

Well, it has been a week and I have still not heard of any explanation to the fees and whether I will get any reimbursement to my account. My advice to others, do n't be a victim of this company and take your money elsewhere.
Consumer complaint received 2016-07-29
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION (GA)

On XXXX XXXX, I was denied a line of credit with BB & T. As of XXXX/XXXX/2016, I still have not received an adverse action letter in violation of the FCRA. 
After the denial I discovered that my application was intentionally falsified by XXXX XXXX XXXX. 
As a result of the falsified application XXXX XXXX, processed another application and included the assets that XXXX XXXX XXXX did not include. XXXX assured me that there would be no additional inquires because the prior application was recent ; however, there was an additional inquiry which I did not consent to. This violates FCRA. 
I was informed this application was denied on XXXX XXXX, 2016. As of XXXX/XXXX/2016, I still have not received an adverse action letter in violation of the FCRA. 
Additionally the minimum line for the product was XXXX. My liquid assets totaled a little under XXXX. After the denial XXXX stated specifically " BB & T likes to see liquid assets match dollar for dollar ''. 
If this is true why would this not be disclosed so that I would not waste my time if the minimum line of credit is XXXX and BB & T want applicants to match liquid assets dollar for dollar knowing my liquid assets only totaled under XXXX? 
It is my position that both inquiries should be removed because there was no business necessity to obtain a credit report when it was known I did not qualify because of a lack of liquid assets. 
Also, both adverse action letters should be provided to me immediately.
Consumer complaint received 2016-02-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (TN)

I tried to open a online savings account with them this year. They keep denying me an account. I gave them all the right information. I used to own a online account with them. I 'm not sure why they wo n't let me have this savings account. They once told me a the local branch I have to have both a checking and savings account. That stinks.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (TX)

I has been over 30 days and experian has not completed my file. I did a investigation and tacked everything for the last 5 months and noticed Experian was lying to customers about verified information. I do really need help and looks like experian 's client " XXXX XXXX XXXX '' has paid extra to stay on my credit report bc I never took part with that company. Attached is from the FTC and has updated information. Looking forward to getting this resolved.
Consumer complaint received 2023-02-24
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. (SC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2020-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

1. During 1 month period, Chase has done multiple DUPLICATE DEPOSITS ONLY TO HAVE them all SUBTRACTED. EVEN THE TELLER PUT THROUGH deposit TWICE. EVEN WHEN I DISPUTE IT IS PUT THROUGH TWICE. CHASE IS DOING THIS SO WHEN I SEE DEBIT I WILL OVERLOOK Chase WITHDRAWING MONEY. FOR THIS TO HAPPEN 3 TIMES IN 1 MONTH IS NO ERROR. 
2. I TRIED TO DO A PURCHASE YESTERDAY-5 TIMES MY CARD WAS DECLINED. CHASE ADMITED TO  MONITORING AND DECLINING MY CARD 5 TIMES. WHY IS CHASE PERSONALLY WATCHING MY TRANSACTIONS BUT NOT THEIR OWN DEPOSITS? I WOULD LIKE TO KNOW-WHEN I CALLED, CHASE REPRESENTATIVE LIED AND SAID I DIDN'T RESPOND-BUT CHASE NEVER CONTACTED ME.
Consumer complaint received 2016-07-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

collection agency. I called the collection agency and was told that an account was opened with them and i borrowed money from them which i know nothing about. I want the XXXX agencies to remove that report on my record and also for the collection agency to not contact me for a debt i know nothing about. 

Thanks
Consumer complaint received 2016-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FRESNO CREDIT BUREAU (CA)

An item on my credit report says I owe a debt that I did not know about. As I have not had any loans or credit cards since around 2004, If this is my debt, it is over the 7 year reporting limit, and it is also a time barred debt ( XXXX. XXXX. XXXX. XXXX XXXX XXXX. ), so it should not still be reporting on my credit report. I have disputed this item on my credit report and been told it will not be removed, but requests for proof that is my debt and when this debt was last paid, have gone unanswered.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX was Deleted because I disputed them on late payments to all XXXX credit Bureau. I disputed them because I was never late on a payment so they removed my history and I have been turn down for new credit card to transfer balance and new line of credit due to no credit history insufficient credit history not enough credit information from my own XXXX XXXX and XXXX who I am a active member now. My loan with XXXX XXXX was for 5 years the loan has been pay in full. God bless you and your Family!