davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (NC)

On XX/XX/2021 Bluebird Card Via American Express accepted a deposit for me from the Small Business Association. It was an XXXX XXXX XXXX in the sum of {$5000.00}. I attempted to access my account shortly after I received an email from Bluebird stating that the deposit was received, but was unable to log into my account. I called customer service on XX/XX/2021 and spoke with a customer service rep who informed me that my account had been blocked, she then transferred me to the Investigation team. I spoke with them and was told that my account was permanently suspended and that in order for the funds to be released from my account I would need to have the SBA write a letter of indemnity. After several months of attempting to speak with someone from the SBA, i was able to speak to a paralegal from SBA who informed me that the SBA does not write letters like that and that they do not understand why Bluebird is refusing to release my funds to me or return them back to the SBA. These funds are much needed and have been held in this suspended account for 7 months now without any correspondence from Bluebird. I have attempted for months to contact them. I have sent several emails to the investigation team only receiving automated responses stating that I would be contacted within 10 days, but I have never been contacted. I have called on several occasions only to be placed on hold, then call ended. I am unable to speak to anyone concerning the release of my funds. However I do receive weekly emails reminding me of the balance of the suspended account. I am unable to access my account in any way. I am not sure where to turn to rectify this matter. How can a company just keep someone's money and tell them nothing? This is insane. I just want my money released from this account. either sent to me or back to the SBA so that it can be refunded to me. This matter has gone unaddressed for to long. Please help me
Consumer complaint received 2022-01-16
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Bread Financial Holdings, Inc. (PA)

XXXX XXXX  ( aka XXXX XXXX payments ) refunded to my account {$11000.00} that I have a refund slip. It was sent to the original account ComenityXXXX XXXX Credit Card opened XX/XX/XXXX. The account was closed and paid in full XXXX, XXXX. The re-assigned credit card number is on my credit report. The refund fromXXXX XXXX was made XXXX, XXXXI have called so may times to Comenity bank and the same thing over and over is stated. You do not have a credit card with Comenity Bank. I have the listingon my crdit report and I have a credit card statement with my name, account number, address, etc. I paid off the {$11000.00} XX/XX/XXXX. I did so because of the interest, etc. There is a whole long story behin thisXXXX XXXX XXXX REFUNDED THE MONEY TO COMENITY BANK XXXX XXXX, XXXX. They stated their policy is to send to the original purchase point. I have a dialogue with XXXXXXXX XXXX. I sent a USP priority Mail packet with all the documentation I have to Comenity Bank XXXXs XXXX XXXX XXXX XXXX, XXXX. The tracking on this packet stated Comenity received this packet XX/XX/XXXX, XXXX dI received a letter bacvk thaat the account is closed and the balance is zero. SO what happened twith the {$11000.00} refunded by XXXX XXXX. I have documentaTION TO SUPPORT MY COMPLAINT. I can uplod my credit report pages as well. I have not scanned them as yet.
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2023-06-09
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)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have items left that need to be removed or Block. Per FCRA section 605 you are required to remove these items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GAXXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GAXXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX  XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-01-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have disputed this many times with all three credit bureaus and have has been not resolved. Specifically, the dispute involved XXXX late payment in 2019. I have contacted the company, as that's what the credit bureaus suggested. The company XXXX states that they have reported no late payments. In fact, XXXX originaly made a mistake by charging me a late payment fee, and adding this information to the credit bureaus. Upon me contacting them the first time, they reversed this information and reimbursed me any late fees that they accidentally charged me. 
Recently the credit bureau 's re added this late payment to my credit report, lowering my credit score more than 40 points, this is affecting my personal finances, and the credit bureaus are failing to provide a proper investigation to fix this issue. They state that they have contacted XXXX and dated all and any information. This is a complete lie, as if they contacted XXXX as I have multiple times, they will know that I have never made a late payment. And fix my credit score. I want these credit bureaus to fix my credit score as they keep adding false information such as late payments that are not factual. 
To reiterate, there should be no late payments under the account held with XXXX
Consumer complaint received 2022-01-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (OK)

I am a current member with Navy Federal Credit Union. Recently I attempted to open a second checking account and was denied due to issues with my account status. Upon contacting NFCU I was told my account was flagged because of sold prior debts. This is where things get really messed up. After being bounced around departments and dropped to phone lines that go straight to voice mail I finally got someone who was able to confirm the loan numbers of the two loans and that they were sold in XXXX of XXXX. This also confirmed they are the same two loans ( the only two I ever had with NFCU ) that were discharged in XXXX XXXX bankruptcy on XX/XX/XXXX. NFCU has told me that the only department that can assist with this issue is the Debt Sale department but when transferred to it, or when calling the direct line number I was provided it goes straight to voicemail. They say to leave a message and they will call back, but nobody ever calls back. Every time I contact them to try and resolve this issue I get lead around the same circle and ultimately referred to a department that they can't even get on the phone. I actually was wanting to repay my discharged debts to them and bring my account back into good standing on the lending side of the table but now I've been dismissed, talked down to, lead on a wild goose chase, generally treated like garbage, and flat told they shouldn't have even opened my current accounts ( had this same fight with them at that time back in XXXX, thought we had resolved it but guess not ).
Consumer complaint received 2022-01-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Securus J Holdings, LLC (NC)

The company is Jpay. I typically send money to inmate through their services via online method. A few weeks ago, an unathorized individual sent money via phone, using my account. During the investigation, Jpay blocked my account but did not take steps to properly secure my account from unauthorized users. Instead they blocked my account from me. I escalated the issue multiple times before it was reviewed. Then they unblocked by ability to send messages but still blocked my ability to send payments to the inmate. I am the authorized account user. They have the poorest customer treatment, poorest communication skills both verbally and written, and do not quickly resolve matters. I am still unable to send funds to my loved one. An incompetent organization.
Consumer complaint received 2022-01-16
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Forster & Garbus LLP (FL)

XXXX, 2019. I was at the end of a divorce. My wife and I were selling our house, so we can go our separate ways. A week before the closing, the title search came back with a lien on the property. Forster and Garbus LLP was suing me on behalf of a company that alleges I had a contract with them, I requested time and paperwork so I could address and validate this information. They said I missed the court date, but no notification/mail was ever delivered to me, I asked them for proof of a signature of delivery. I never got that proof or anything relevant to show that a summons was sent to me to appear in Supreme Court, or that I owed this alleged debt. The bad thing about this situation, I had a new job situated and was suppose to close and purchase a new house in XXXX, Fl. Once the house sold, this debt collection strong-arm tactic from Forster & Garbus LLP XXXX forced me to settle with them for {$25000.00} in order to continue with the sale of the property, this processed took the closing from a week away to three and a half months later to the end of XXXX. I wasn't able to start my new job and I lost out on the sale of my new property in XXXX, Fl. The proceeds from the sale of the house which was suppose to come to me was {$32000.00}, that went to Forster and Garbus which was {$25000.00} and I no longer had enough or any funds to place as a downpayment for anything property and moving fees. I was jobless and homeless for awhile, I had to move in with friends and family in order to get back on my feet. Forster and Garbus LLP states that they are lawyers but at the bottom of the paperwork they provided it clearly states in all caps ( PLEASE NOTE THAT WE ARE REQUIRED, UNDER FEDERAL LAW, TO ADVISE YOU THAT WE ARE DEBT COLLECTORS AND ANY INFORMATION WE OBTAIN WILL BE USED IN ATTEMPTING TO COLLECT THIS DEBT. ) 12 CFR 1006.18 ( b ) ( 1 ) ( iii ) ( b ) False, deceptive, or misleading representations. 

( XXXX ) A debt collector must not falsely represent or imply that : ( iii ) Any individual is an attorney or that any communication is from an attorney.
Consumer complaint received 2022-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XXXX has reported XXXX XXXX on my credit report and has fail to provide me with XXXX XXXX point of contact. Therefore I am asking that an investigation been done to verify this person on my credit report within 30 days. If a contact number can not be submit to me I am demanding that all XXXX/ department of education be removed from my credit report immediately. Enclosed you will find a copy of the person name on my credit report than disappear. I can not identify none of my accounts with the same accounts numbers XXXX therefore all accounts must be removed immediately. Enclosed is copy of ssn, driver license, and water bill to identify myself.
Consumer complaint received 2022-01-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-01-15
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

This is my second complaint to this company. My reference number is # XXXX. The company said my name was not on the Loan. This was the companies response : We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

Clearly by my credit report my name is on the loan. I would like this reopened and something done about this fraudulent account on my report. 

i feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2022-01-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Consumer Portfolio Services, Inc. (IL)

Name XXXX XXXX Date XX/XX/2022 Companies involved : Consumer Portfolio Services and XXXX XXXX XXXX On XX/XX/XXXX I went in to XXXX XXXX to purchase a vehichle. They are known to work with people in bankruptcies. I am currently in a Chapter XXXX and I had my approval letter from the trustee and all the documents that were asked of me. After 8 long hours I was financed by Consumer Portfolio Services. I asked the salesman 100 times was I financed because I didnt want to drive off with a car that I would have to bring back. 
XXXX XXXX called me for a welcome call from the finance department. I have a speech impediment and it takes me a while to respond and speak. She seemed annoyed so I asked if I could call my fiance mid thru the interview because she seemed annoyed. After setting up my banking info with the finance company and purchasing insurance, now 2 weeks have passed and XXXX XXXX wants the vehichle back. I made a down payment, purchased insurance and other items. XXXX claimed they rescinded on the loan because I did not disclose I paid XXXX XXXXt. This is clearly false. I submitted all my check stubs and it clearly shows that I pay XXXX XXXXt. I need my vehichle to get to work, and I dont have money to just give away. I think the loan was rescinded because I dont speak well.
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XXXX XXXX pays donors with debit card issued by Bank of America. Bank of America charges {$1.00} cash withdrawal fee from Bank of Americas own ATM and only allows waiving 1 fee per month. They can not charge fees for cash withdrawal from their own ATM.
Consumer complaint received 2022-01-16
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. (MO)

Hi. I paid for my credit report initially on XX/XX//2020 and found that two collection agencies were reporting inaccurate information to the three credit bureaus. It is to my understanding per the FCRA that I am able to dispute these inaccuracies with the 3 credit reporting agencies and that they will investigate. To date I have reached out multiple times and I have not received and VERIFICATION or PROOF that I in fact owe for one collection agency in the name of XXXX XXXX XXXX with the account number XXXX. They are reflecting a balance of {$180.00} on Equifax and a balance of {$260.00} on Equifax and a balance of {$180.00} on XXXX. This is in direct violation of the laws put in the place to protect me. Please assist me with this matter and have this account removed from my reports. Thank you
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc. (CA)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2022-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Credit & Collection, Inc. (TX)

I contacted UT XXXX about my bill back in late 2020, and I was told that my bill had been paid by insurance and that I didnt owe anything else. Now they are claiming I owe the {$72.00}. I dont believe I owe them this. They cant tell me what service they even gave me while I was there. I dont know what Im being charged for.
Consumer complaint received 2022-01-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I've given info to TransUnion more than once proving several accounts were fraudulent or have fraudulent activity and they will not remove the fraudulent activity. TransUnion has far more to harm my credit than anyone else. I think it's disgusting that the main reporting agencies are abusing their authority so blatantly. XXXX with their data breach and TransUnion for not investigating disputes. I want them held as accountable as I have been for their criminal disregard for my credit. I expect a quick and harsh punishment for these agencies as well as lenders who knowingly lie and manipulate the books. I will be planning to go to Washington DC and have a peaceful sit-in protest until all government agencies are held accountable for their neglect and non action
Consumer complaint received 2022-01-15
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: Experian Information Solutions Inc. (MI)

I disputed unauthorized inquiries for not recognizing different lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. And There are multiple other inquiries all within one day of each other on my credit report but I only authorized one of them. 

So i reported these unauthorized inquries to different credit bureaus but did not get any help.