davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: HUNTINGTON NATIONAL BANK, THE (MN)

XX/XX/22 was the date the fraud happened and when all of disputes were filed. I contacted my bank to file the dispute of {$350.00} and {$500.00} from me being scammed because I was selling stuff to get money which I dont have a lot of hence why Im selling stuff. A person wanted to use XXXX and I was later emailed by someone who was acting as XXXX and I sent the money not knowing that XXXX doesnt email customers. I filed a dispute with my bank but they said that it was my fault and they wont refund my money.
Consumer complaint received 2022-06-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (IL)

Capital Accounts LLC is reporting the same ebt collection account twice on my XXXX, AND reporting the wrong amount owed. They will not verify the origninal debt ( Which is XXXX $ ) they are reporting different amounts to all 3 credit bureaus. ALL incorrect amounts. I have disputed this numerous times and have asked to validate the original amount- hey have not. Now in the last 3 months - they are reporting the SAME account twice on XXXX. I have disputed and I have no idea why it keeps getting validated when it it totally wrong. I now have to hire a lawyer to get this taken care of because they keep ADDING to the amount owed, do not verify the original debt and inaccurately reporting twice on XXXX This is beyond false information they are reporting and refuse to edit or remove it. I do NOT owe these large amounts and I will keep fighting
Consumer complaint received 2021-09-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP (LA)

In XXXX of XXXX, I was solicited for a loan from and entered into a financial contract with Republic Finance for a {$1500.00} loan. In XX/XX/XXXX, I ran into a financial hardship and verbally spoke with my accounts representative and we agreed to payment for the next 6 months of {$50.00}. I commenced to making the verbally agreed amount and received a notice that a court filing had been filed seek a judgement for the full balance of the loan. I went before a XXXX XXXX Judge where I agreed to a consent judgement in XXXX of XXXX to pay the balance owed to Republic Finance. In approximately XX/XX/XXXX, I received a written document from Republic Finance offering to settle the account for approximately {$700.00}. I agreed to the settlement and in XX/XX/XXXX I paid them the agreed full settlement amount. 

In XX/XX/XXXX, I received a document from the judge of XXXX XXXX Court stating that I had satisfied the loan. At that point I had not further contact with Republic Finance and I did not realize that they did not report the updated information to the Credit Bureau. 

In XX/XX/XXXX, I applied for a Mortgage and was denied. I found out that I was a victim of Identity Theft and had the corrections completed. In XX/XX/XXXX, I attempted to apply for a mortgage again and was again denied as I was considered a risk. At that point the lender explained that there was an issue on my record identified as a debt to Republic Finance that stated that not only is the account seriously delinquent, it was months in collections and still showing a balance due of approximately {$1400.00}. 

I then proceeded to dispute the account with the Credit Bureau twice and the company did not make any changes on the first attempt and made a correction that the account was settled in full with 14 months of delinquency and in collections until XX/XX/XXXX. It also caused my credit score to drop tremendously. 

I then thought to call Republic Finance and see if I could rectify the matter. I have been in contact with them daily for over a month, and the matter has still not been resolved or corrected. 

Therefore, I am writing to you for some sort of relief. I did indeed receive the funds from this company. I did indeed made every effort to fulfill my obligation with Republic Finance and the Court of the City of XXXX. I believe that Republic Finance violated the Fair Debt Collection Practices and has harmed me financially. I am now aware that they could be the reason that I have been paying higher interest rates on purchases and am being denied a mortgage.
Consumer complaint received 2021-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have attached two accounts that are currently reporting inaccurately to all three of my credit bureaus. I have attached highlighted pictures of the referenced accounts. Per the FCRA any information that is reported must be reported accurately.
Consumer complaint received 2017-06-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I have never done business with IQ Data International IN. I do not have a signed contract not any contract with IQ Data International IN, I have the right to demand a copy of any contract between IQ International IN and myself.
Consumer complaint received 2023-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In my last letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXBalance : {$4700.00} XXXX XXXX XXXX XXXX XXXXBalance : {$4600.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX : {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Back on XX/XX/2021, I contacted TransUnion & submitted legal documentation regarding the collection account they have listed on my consumer report for XXXX XXXX. I informed them & provided documents stating that this account needed to be removed as XXXX XXXX is committing several FCRA violations. Thus far, TransUnion has refused to remove that account. At the same time that I contacted TransUnion, I also contacted XXXX XXXX as well and provided the same documentation. It has now been past the 30 day period under FCRA guidelines. But additionally, I have now received a response from XXXX XXXX  via the complaint that I also filed with the Consumer Financial Protection Bureau. And within that response they stated that the account referenced on my TransUnion consumer report does not belong to them. Additionally, the same documentation that I also sumbitted to them via hard copy through the US Postal Service was returned to me with a notation from the Postal Service that the company does not exist. Therefore TransUnion immediately needs to delete / remove this fraudulent account from my consumer report within their database.
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (AL)

I applied the XXXX credit card with USBank with the XXXX miles promotion offer. The USBank not give me the promotion mileage after I spend up to the limit of required. I called the USBank customer service several time and any time they tell me different story to avoid the promotion mileage. I didnt agree with the service and cancel my credit card. Since I only used this card less then 3 months and requested the USBank to reimburse the annual fee of {$95.00}. The USBank refused my request and not reimburse the {$95.00} of the annual fee.
Consumer complaint received 2021-08-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional XXXX They dont respond to my disputes and keep verifying this fraud to the credit bureaus. They are also reporting the same fraudulent account with two different collection agency for the same fraudulent account the same amount.
Consumer complaint received 2024-10-01
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (VA)

Received an Amex gift card for XXXX. Was finally going to use it on XXXX. I tried using it and it declines. The balance was {$25.00}. Showed correct amount thru American Express ' website. 
XXXX. Found a XXXX discussion about it saying to use it to add money to my XXXX account. But it ONLY works in increments of XXXX XXXX. I did it XXXX, leaving {$5.00}. I tried that amount. Didn't work. Checked amex. I inexplicably have only XXXX. FINE! So I go to out that amount into XXXX. But XXXX only lets you put {$5.00} minimum. 
So I have {$4.00} I'll never be able to use. 

But Amex is doing this to countless people, and that adds up. Amex claims it's for security. But I've tried it in person and online and only this XXXX  tip let me even get {$19.00} out of my XXXX. XXXX.
Consumer complaint received 2021-03-25
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: NAVY FEDERAL CREDIT UNION (VA)

I dated XXXX XXXX for approx. 1 year before I called it quits because of the XXXX. He was so controlling. I gave him permission to use my Navy Federal Debit Card for gas only. He's the only one with access to my card number and someone has drained my navy federal account. I got paid over {$1200.00} yesterday, spent {$450.00} on a weekly hotel room to get away from him and now I have {$120.00} in my account. It is my understanding that XXXX XXXX is now dating XXXX XXXX, who has been harassing me for years. I have filed 5 police reports with the City of XXXX since 2011 because of the verbal XXXX threats I had been receiving from her. I am now very scared because when I went to check my credit report with all three of the Credit Reporting Agencies, my XXXX  account information has been changed. The security questions indicated that I had an auto loan, student loans and a XXXX account in my name. I have never EVER had any of these products or services. My car was fully paid for the day I saw it. I don't use credit, except I ordered a {$250.00} secured credit card to go to my address in order to boost my XXXX credit because of the FRAUD. I can't even get into my Federal Student Loan ( FAFSA ) account now, because the security questions have been changed. 
I believe if you research the bank account theft ( track back where the orders are being delivered ), the account information that does NOT apply to me on the Federal Application for Student Aid, and the address and contact information on the Auto Loan, HOME EQUITY LOAN and also for the XXXX Account, you will find that this was a conspiracy between XXXX, XXXX and XXXX XXXX to defraud me and thieve my identity. Please contact me anytime for further information.
Consumer complaint received 2024-09-28
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (FL)

I am writing to seek assistance regarding a serious and ongoing issue of cyber security and identity theft that I have been experiencing for over a year. It began XX/XX/year>. I started noticing my apps were altered, my passwords were constantly being changed and still is, my information gets altered, they have tried to personate me. Despite my efforts to secure my personal information and take preventive measures, the hackers continue to exploit my identity, causing significant distress and financial harm. In XX/XX/year>, I changed phone carriers and switched to XXXX. This is where the issues escalated. My phone number was different, my bill did not match my XXXX. information, and my XXXX account sometimes did not match the XXXX number. Additionally, my devices would occasionally show another name. My passwords began to be changed, my apps looked strange, my downloads were missing and indicated they were on another device. I noticed screen sharing on my devices, my camera light turning on, and overheard conversations coming from my phone. I notified XXXX and began paying for XXXX XXXX in XX/XX/year>. I filed a police report in XX/XX/year>, left XXXX, purchased a new XXXX XXXX XXXX, and started with XXXX in XX/XX/year>. Despite these efforts, the hackers have persisted in their malicious activities. I purchased an XXXX XXXX XXXX, hoping that the advanced security features would help protect my personal information. Unfortunately, the hackers have persisted in their malicious activities, even with this new device. I am a school social worker at a district for public schools and a mental health counselor.Since the very beginning of this ordeal, I have had XXXX XXXX, but they have not provided the assistance I need. 

As a result, my Victoria Secret decreased my limit and haven't work with me during this ordeal. And my credit score has suffered significantly. Despite providing police report numbers and filing fraud disputes, my situation remains unresolved. My payments are constantly late, leading to increased fees and higher minimum payments. I spend hours every week on the phone with various entities trying to resolve these issues. Not even during XXXX. But yet they didn't work me, nor cared I was the victim, and treated me with no respect. After them closing me account, I still make payments even them closing my account. I mean it was quick for them. And little by little I have lost everything I worked so hard to do. And I am the victim here.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXXXXXX # 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, XXXX XXXX XXXXXXXX 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, 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 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NV)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. 
XXXX XXXX XXXX : {$1500.00}
Consumer complaint received 2021-01-18
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. (GA)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2019-10-28
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: FC HoldCo LLC (NC)

XXXX  XXXX XXXX XXXX  XXXX. XXXX XXXX  XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Flagship Cre XXXX, TX XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

XXXX ( {$520.00} ) & XXXX ( {$5.00} ) On XX/XX/XXXX, my card was stolen and about XXXX unauthorized charges were made ( as most charges have been dropped I am not sure how many there were ). I was notified of this through a text from Citi where I immediately notified Citi via text that this was an unauthorized charge ( screenshot attached- please note the XX/XX/XXXX text on the bottom as the earlier texts are from a prior date and not under dispute ). I then went into my account and found the other XXXX charges and, via the app, notified Citi that these were fraud. My credit card number was changed to prevent further fraud. XX/XX/XXXX, while ensuring my account was cleared of these charges, I found that there were XXXX others left behind that had not been cleared. These totaled {$520.00}. I contacted Citi via phone to let them know these were fraud as I did not make these charges. I do not have any authorized users on this account. My fraud claim was denied despite my telling the team multiple times I did not make this charge. I then reopened the claim and followed up multiple times regarding the status and at least XXXX times was assured that I would get a credit in XXXX business days ( screenshots attached ). The XXXX time I reached out I was given a number to call. When I called this number, I was notified that my claim was denied as I had a mobile wallet. I gave the XXXX to the fraud dept to help with investigation - but it was not reviewed. I am not sure how these charges were made, but if it was through a mobile wallet, I can assure you I DID NOT MAKE THIS PURCHASE. Perhaps someone used my card on their phone? My uber account also does not have these charges in them. I reopened the charge on XX/XX/XXXX, called back to check status on XX/XX/XXXX and was given an email to send evidence to. I sent evidence to the email Citi provided on XX/XX/XXXX. I called back XX/XX/XXXX to check status but was told the dispute was still closed. I went to the CitiBank branch XX/XX/XXXX as well and was still unable to resolve it. have tried many times to resolve it. None of my evidence was reviewed and I have not seen an uber reciept so I can't even fight it with XXXX. I did not make these charges.
Consumer complaint received 2021-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I got a late fee charge of {$19.00} on XXXX because I assumed I was going to have a break due to the pandemic but it did not happen. 
I always pay over the suggested amount given by Navient. In the last months I was supposed to pay {$300.00} and I have been paying {$310.00} but in the last month due XX/XX/XXXX I did not distribute correctly the payment and I got a non-paid {$7.00}. I have received phone calls about this. I requested to fix it and they charge me a late fee. The last customer service agent started very supportive but in the last 5 minutes was very mean and rude.
Consumer complaint received 2021-09-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

I had phone numbers come in through a private phone number. When I picked up, XXXX from Midland Credit Management identified herself. I do not appreciate numbers coming in blocked or from a private number. This is deceptive, and a bad business practice that is unethical. I included a screenshot of the phone call.