davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX and # 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 2024-05-06
Product: Credit reporting 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. (GA)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I had received a CareCredit/Snychrony Bank amount of {$3800.00} on XX/XX/XXXX to cover dental implants. The amount was to be repaid by XX/XX/XXXX interest free, unless not paid by then in which an interest charge on the full amount would be charged. I had been paying $ 300 monthly regularly, but unfortunately I missed paying my last installment of {$300.00} until XX/XX/XXXX, or 6 days late,. I was immediately charged the total late payment interest of {$48000.00}. This struck me as a very unfair trap for an honest mistake., I offered to pay the XXXX interest charge of {$18.00} plus the XXXX fee of {$30.00} but this was denied.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bofa sent me a message that a check was issued to XXXX instead of an electronic payment, which is the usual method of payment. This can lead to problems and unnecessary fees, as bill pay checks often do not reach the recipients when sent from BofA, as discussed.
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2023-03-14
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-19
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (CA)

I opened a Business account on XX/XX/XXXX with Sam 's club through Synchrony. They send the card and I wanted to change the mailing address. I have called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX. I was told they needed to verify my identity on XX/XX/XXXX through a video including my ID in which I did and still they are not able to find that information. Then then told me to send in a letter requesting to change the mailing address I did that on XX/XX/XXXX called back to confirm they have received then said no then called the next day by fax was advised yes, but now i need to put on letter head. XX/XX/XXXX I put it on letter head called back and two people confirmed it was received but now need time to update in the system called back today and now they dont have it in one dept but the other dept within company does now they want me to do another ID check and resend by email to another dept. 

Very unorganized company they are different departments that does not know what the other is doing. I have been getting the run around for three months now I have done everything they requested and now another manager is advising me to re send everything again I told them to cancel the card and correct my credit report to not show the decrease in points if they are not going to provide me with the card.
Consumer complaint received 2024-05-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MS)

I sold my XXXX on Venmo and they froze my account and asked for my id and sent it then sent me email out the blue said my account was froze for good for no reason what so ever and want let withdrawl my money and they keep giving me the run around and want tell me what I did
Consumer complaint received 2024-04-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIBANK, N.A. (NM)

I refinanced my mortgage. The new mortgage company sent me XXXX checks to pay off credit accounts and loan accounts. I sent both checks to XXXX separate companies on XX/XX/XXXX. XXXX weeks later I received verification from my mortgage company that both checks had been cashed by both companies. One of the companies posted the funds to the account immediately. Citibank however has not posted the funds yet. They cashed the check on XX/XX/XXXX. It's is XX/XX/XXXX and they have still not posted the funds to the account. I have called multiple times however, they seem to have difficulty locating my account and/or they keep sending me to XXXX or XXXX different departments and then I have to explain all over again what my issue is and then they send me to someone else. They have cashed a check for {$14000.00} but they can't seem to find the funds. I have proof they have cashed the check but when I ask for an email address to send them the proof, they say I can only mail it. I am not living in the XXXX and mailing this proof is not feasible or reasonable and I have to call them from overseas every time which takes an enormous amount of time and I also have to wake up at XXXX XXXX to reach them. When I ask for higher up supervisors to help, I was told that they can't provide that information to me. They refuse to open an investigation into where the funds are. I can not get any help with this. They have my money, I have proof they have my money. They won't provide me a quick and easy way to show them this proof and furthermore, why am I having to prove to them that they cashed my check? They are making me jump through hoops when I have done the right thing and paid my debt in good faith. I sent the check in good faith and they are holding my funds while also charging me interest every day on the loan. I want my money found, I want my account paid off and I want reimbursement for any interest that has accrued on both the personal loan and the credit card accounts that this check was meant to pay off. I am also paying interest on the money itself since it is payout funds from the refinancing of my mortgage. This should not be legal or acceptable for them to do this to their customers on any level. The amount of stress and XXXX XXXX  I have experienced is causing me health issues.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Upon reviewing my Experian credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is not mine. The other Bureaus are not reporting this fraudulent information.
Consumer complaint received 2024-05-01
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (MO)

Account in question : ABLTY-RECOVERY XXXX. 

Collection Agency has not provided validation information und

er 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. Please note that I am the only natural person writing this statement with the help of NO 3rd party. I never gave these company any written consent to report anything on consumer report. Please see attached documentation.
Consumer complaint received 2023-05-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (IN)

I check my credit report atleast 2-3 times a week. I logged into my XXXX XXXX  Saturday XX/XX/XXXX and notice a new collection from common wealth financial in the amount of {$1600.00} that was opened XXXX XXXX from an original creditor called XXXX XXXX XXXX Monday XX/XX/XXXX I called common wealth financial ( XXXX ) XXXX and asked for information about the bill considering I never received a letter, a phone call a medical bill or anything to inform me of a bill that could possibly be sent to collection and have not been to any dr office nor had any medical attention that wasnt covered by insurance over the past few years and they stated they couldnt retrieve the information for me without paying {$1.00}. I paid the {$1.00}. And then he told me I had to pay XXXX for the information and another XXXX to create a membership with them in order for me to retrieve information about the bill. I immediately told them I wasnt giving them any money and hung up worried it was a scam. I later check my bank and notice 3 different charges of {$1.00} was taken without permission. I contacted customer support and they werent any help and wouldnt give me any information either
Consumer complaint received 2023-05-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (OH)

I HAVE BEEN RECIEVING EMAILS FROM A COMPANY CALLED CHIME ABOUT AN ACCOUNT THAT I HAVE NEVER HAD. ICALLEDTHEM ON SEVERAL DIFFERENT DAYS AND TIMES AND ALWAYS GET A RUN-A-ROUND. THE LAST XXXX TIMES I CALLED I RECEIVED AN EMAILSTATING THEY CLOSED THE ACCOUNTAND WHEN I TELL THEM IWANT THE PAPER WORKSHOWING WHERE AND WHEN THIS ACCOUNT WAS OPENED THEY REFUSED TO PROVIDE THEM TO ME.NOW SINCE THIS ACCOUNT THAT WAS SUPPOSED TO BE IN MY NAME HAS BEEN CLOSED TWICE WITH MONEY IN ITWHICH I NEVER RECEIVED I WANT THE PAPERWORK ON IT. THIS COMPANY DOES NOT HANDLE ANY OF THESE ACCOUNTS. THEY HAVE XXXX BANKS DO IT AND THESE XXXX BANKS ALSO SEND OUT THEIR DEBT CARDS. NOW ALL I WANT IS THE PAPERWORK ON THIS SO CALLED ACCOUNT SO I CAN TAKE LEGAL ACTION AGAINST THE PERSON THAT OPENED IT USING MY NAME AND ADRESS. I HAVE MOST ALL OF THE EMAILS THEY HAVE SENT.
Consumer complaint received 2024-04-27
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (GA)

I am writing to file a formal complaint against Professional Debt Mediation regarding their collection of a debt for the original creditor, XXXX XXXX, in the amount of {$4500.00}. I want to bring to your attention that I do not have any contractual agreement with Professional Debt Mediation or XXXX XXXX. 

On XXXX XXXX, 2024, I reviewed my credit report and discovered an account in collections under Professional Debt Mediation. Immediately, I contacted Professional Debt Mediation to inform them that I have no knowledge of this account and requested specific information. 

During my initial conversation, I requested that Professional Debt Mediation provide me with the following information : 1. Documentation identifying the original creditor. 
2. A copy of the original contract with my signature. 
3. The complete payment history for the account. 

Moreover, I emphasized the importance of receiving this information in a timely manner or requested the removal of the debt from my consumer report. However, to this day, I have not received any response from Professional Debt Mediation. 

In an attempt to resolve this matter, I reached out to Professional Debt Mediation again on XX/XX/ 2024, seeking an update on the requested information. Unfortunately, they still have not provided any response or acknowledged my request. 

I strongly believe that Professional Debt Mediation 's failure to respond and provide the requested information is a violation of my rights under 15 USC 1681c-2 and 15 USC 1681b . This situation has not only hindered my efforts towards employment and personal growth but has also caused significant distress and inconvenience.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXExperian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Ascent Holding Co (WA)

XXXX is refusing to refund my money after duping me into beleiving I signed up for XXXX but in reality it was a student loan. The company Ascent Funding has refused to discharge the loan as well saying it was something else whe it was clear XXXX said it was an XXXX
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Neon Newco Corporation (MN)

I received a Welcome package on XX/XX/XXXX that contained a debit card, an account number and a routing number for an account I did not open from a company called Netspend ( via the XXXX XXXXXXXX XXXX. ). I did not open an account with them. I completed a quick internet search and found that Netspend is associated with rebates and tax refunds. So I started down the process of activating the card ( as suggested by the marketing materials. As I continued to activate I was being asked personal information ( social security number ) and to provide documents to prove my ID. I began to get suspicious so I called Netspend and talked to a serve representative. He commented that this was a marketing ( or " promotional '' ) mailing. I was a bit shocked because I received a debit card with my name and and card number, an account number and a routing number for that account. 

Their marketing tactics are very deceptive and possibly abusive - thinking that I already had an account ( by marketing that all I need to do is Activate the card ). Given that " Activation '' is predominately used when someone has an account and a new card is being sent out, this is deceptive in steering people to actually open an account in order to activate it. 

It is also possibly abusive as they have two plans in which you pay for every purchase, ATM withdrawal or reloading the account ; or a monthly plan in which you pay {$9.00} per month plus fees for ATM withdrawals, cash reload and ATM balance inquiries. 

Most banks do not have some or all of those fees.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-14
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: OPTUM BANK, INC. (IL)

I have an HSA account at Optum Financial with my old employer. I left the company but the account remained open since XX/XX/XXXX. On XX/XX/XXXX I submitted a form to close and transfer this balance to my active HSA account with my new employer. Not only did Optum not honor the transfer, unbeknownst to me, they created a new Optum account, and transferred the balance internally without my consent. I received no communication that a new account was opened, or any information on how to find this new account. I've attempted to verify why the account was open, what forms were filled out, and who authorized this new account, but Optum is unable to confirm any information. All the while, they have been charging me an " Account Maintenance fee '' & " Paper Statement Fee '' There was no reasonable way for me to know that I would need to Opt into a paperless statement, because I had no idea the account existed and was opened without my approval, but they still charged me a paper statement fee.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (CO)

I checked my credit report on XX/XX/XXXX via XXXX. The report lists under my Citi Credit Card ( opened XX/XX/XXXX ) states under " Comment '' " Current : XXXX dispute resolved - consumer disagrees '' and Previous : " XXXX dispute resolved - consumer disagrees '' and " Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date, Invalid date. '' I have always paid my credit card off in full every month and I am not aware of any XXXX  dispute that was pending or that I disagreed with. I am not aware of any dispute that I have ever raised with Citi that was not resolved in my favor and I am concerned this will impact my credit negatively given it appears to be a false report.
Consumer complaint received 2024-04-09
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I received multiple communications from XXXX Fair debt collection and outsourcing in XX/XX/2023, they sent notices to the old XXXX address I moved away from due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I got a hold of them, I willfully gave the my new address and asked them to stop calling me. Upon receiving the suppose " Validation '' I witnessed a contract between XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. However the cover letter stated, Debt collector, and I see no mention of FCO or XXXX XXXX XXXX XXXX on this actual contract. I asked then to Please further justify claims as they are very misleading. I asked for FCO to send me a wet ink signed contract with FCO and I. Which they have not provided. After about 30 days I received a notice from FCO stating that they would proceed with this collection and provided the same contract as they did previously and have failed to meet my requirements. No contract no case. I wrote a second letter to FCO to cease and desist. However, FCO has proceeded to report this collection to XXXX and other credit reporting agencies in XXXX and continue to report on a monthly basis. This has severely damaged my credit report and has impacted my ability to access fair and equitable credit. I attempted to resolve this matter amicably, however FCO has Violated my rights as a consumer and has not provided the information I requested and they have not damaged my reputation.