davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

1. AMSHER COLLECTION SERV # XXXX is violating my consumer rights by reporting negatively on my credit report. 

XXXX. XXXX XXXX XXXX # XXXX This is a direct violation of my consumer rights!! They are debt collectors not licensed in the state of Florida to collect debt, I've asked accounts to be removed by both XXXX and XXXX XXXX XXXX both have failed to removed the erroneous accounts from my report. 

This is my last and final warning before legal action is taken and LAWSUIT will be filed for violating my rights. I'll also be reporting them to the FDCPA as well.
Consumer complaint received 2022-09-05
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX and XXXX XXXX XXXX  Acct # 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 instruction.
Consumer complaint received 2023-09-21
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (DC)

In XXXX, I made two purchase at XXXX, after presenting my personal banking debit card. Today, I received an invoice from a XXXX credit card that I never applied for. I looked at my debit card statement and only one of the purchases I made was on the statement. The store clerk illegally enrolled me in the credit card program, claiming to enroll me in their awards program. I called the XXXX Credit card company today and reported the problem- they failed to connect me to a manger that could resolve the issue. I do not own major credit cards or store credit cards for a reason, so this action is particularly egregious. It seems that XXXX is paying their employees incentives to enroll customers in their programs and those incentives are causing employees to illegally enroll customers in these programs, without customer consent.
Consumer complaint received 2023-03-13
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. (GA)

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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-05-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

In XXXX, I took out a {$7000.00} private student loan from Navient to attend a school that was later deemed fraudulent. Despite having paid over {$20000.00} towards this loan, the balance has now ballooned to {$25000.00} and is in default. 

I have already been approved for a discharge of my federal loans under the Borrower Defense to Repayment ( BDTR ) program due to the fraudulent nature of the school. I believe the same logic should apply to my private loans, as they were taken out for the same fraudulent educational program. 

Over the years, I have made continued efforts to honor my obligation and resolve this debt through various repayment plans. However, Navient has denied my requests to apply the BDTR discharge to my private loans, even though the very nature of the loan has been determined to be based on fraud.

At one point, Navient offered me a settlement of {$13000.00}, but then instructed me to secure a high-interest loan to pay off this amount. I believe this is an extension of their predatory practices, as it would only serve to put me in further financial distress. 

Given that my XXXX claim was approved for my federal loans from the same fraudulent school, I assert that it should also apply to my private loans with Navient. I am seeking relief and a discharge of this debt, which has caused me significant financial hardship despite my good faith efforts to resolve it over many years.
Consumer complaint received 2024-03-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (AZ)

IC System never contacted me. I do not have any signed contract with IC System. They are reporting an alleged debt that is covered by my XXXX XXXX XXXX and trying to collect on it. I have sued and won many times in federal court against this company. I will be reaching out to my attorney for a class actin against IC System.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMW Financial Services NA, LLC (FL)

I have a leased XXXX BMW with BMW financials and for the first time after 6 years there was a misunderstanding between BMW financials and XXXX XXXX XXXX XXXX where i have my account, i have made a payment on XX/XX/XXXX for the month of XX/XX/XXXX and for some reason BMW didn't get the money, no one from BMW financials contacted me about the issue and when i have realized that XXXX didnt make the payment i went ahead and made another payment on XX/XX/XXXX not only did BMW charged me a returned payment fee and they flagged my account for 30 days passed due after I made the payment on XX/XX/XXXX which has been collected by BMW financials now this action on their part dropped my XXXX XXXX by XXXX points. i want them not only to stop flagging my credit also to give me back those XXXX points that i have lost due to their negligence.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Chime Financial Inc (NH)

I contacted Chime customer support on Sunday, XX/XX/XXXX, regarding this issue and the agent responded that it was of serious nature and would contact XXXX to fix it. I have not heard back from Chime and my XXXX account portal reflects the same old information. 


Chime Financial Attention : Corporate Office XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Failure to ReporXXXX XXXX XXXX XXXX XXXX Credit Card to XXXX To Whom It May Concern, I am writing to express my extreme frustration and anger regarding a critical issue with Chime 's XXXX XXXX XXXX XXXX Credit Card. Several users, including myself, have noticed that Chime has failed to report our XXXX XXXX card activity to XXXX since XX/XX/year>. This issue has persisted for months with no resolution in sight. 

Despite Chime 's claim that the XXXX XXXX card reports to all three major credit bureaus, it is evident that only XXXX and XXXX are receiving updates. This blatant discrepancy is negatively impacting our credit scores and defeating the purpose of using your product to rebuild our credit. 

We, the affected customers, are in a state of disbelief and frustration due to the lack of updates on our credit reports with XXXX. Payments made and balances maintained are not being reflected accurately, which is causing significant harm to our credit profiles. Furthermore, our attempts to dispute this with XXXX have resulted in responses from Chime stating that the information is up to date when it clearly is not. We have substantial proof, including screenshots, demonstrating that Chime is acting negligently and maliciously. 

Your failure to report accurately to XXXX constitutes false advertising, as your product does not fulfill its stated purpose. Moreover, this negligence is a violation of the Fair Credit Reporting Act. Ignoring these issues and silencing customer complaints by deleting or hiding comments is unacceptable and unlawful. 

If this matter is not addressed immediately by your corporate office, we, the customers, are prepared to take legal action, including filing a class action lawsuit. We are in communication with each other and will not hesitate to pursue all legal avenues available to us. You have a legal obligation and duty to rectify these errors on our credit reports without delay.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, capital one froze my business account, since than theyve told me theyre under investigation. I had an issue with my personal accounts which lead to froze my personal accounts & business, they have close my personal accounts and have sent me my close out checks, now I been asking for a month about the business account and they just always tell me is under investigation how is it that, an account the was just open less than a year can take so long to investigate? & my personal account that I had for years were able to get review faster, I try reaching out but they keep giving me same excuse telling me the account is close already & that they dont know when would they give me my close out check.
Consumer complaint received 2024-05-24
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (SC)

I purchased 4 Visa gift cards from XXXX on XX/XX/year>. I saw that two of them had been tampered with. The last 4 digits of the card of the card was scratched off and the CVV code was also scratched off. I contacted Incomm the same day notifying them of the problem. At the time of the call, I was told that the balance was still on the cards and that I would get replacement cards in 7 to 14 business days. I kept calling and getting the run around to keep calling back and look for my cards in the mail. Today, I received an email denying my claim and stating that my balance would not be sent to me. I am now requesting a full refund with fees. I no longer want the replacement cards after waiting over 30 days for a response. My ticket numbers for these claims are XXXX and XXXX. I also purchased two cards today with the same issue. I would like a refund for those as well because I don't believe that they will replace my cards after the first claims. The claim number for the new one are XXXX and XXXX.
Consumer complaint received 2023-09-07
Product: Credit 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: Chime Financial Inc (NH)

Had my Chime credit builder credit card used for fraudulent purchases. I asked support to suspend the account. They closed it instead. Dispute was found in my favor and the refunded the amount into the closed account as per XXXX from Disputes on XX/XX/2023. But the account was closed XXXX or XX/XX/2023. Tried contacting support. In member services I spoke with Supervisor XXXX, agent XXXX, XXXX, XXXX, and XXXX, and agent XXXX from disputes. None were able to help me obtain the refunded amount that was deposited into a closed account. How can you deposit money into an account that is closed?
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP (AZ)

I opened my U.S. Bank account in XXXX and this is so far the second complaint Ive had to file against them. So overnight on the XXXX XXXX XXXX XXXX XXXX  I noticed that they returned my XXXX XXXX payment for {$75.00} even though I had a direct deposit pending into the account. My understanding is I have overdraft protection and most banks will allow you to overdraft the account even up to {$500.00}. So I feel the {$75.00} shouldve cleared since it was direct deposit pending that wouldve covered that amount and also they should post direct deposit sooner like XXXX XXXX for example other banks will post a direct deposit up to two days early so I feel theres no reason at all that this payment shouldve been returned because there was direct deposit pending and {$75.00} isnt that much anyways.
Consumer complaint received 2024-03-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (VA)

The account from Jefferson Capital is over 10 years old. XXXX and other credit companies took it off my account but XXXX is having a hard time doing so when the account is too old to be there. What is the issue and how can it be resolved and removed!? I disputed twice!
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I don't recall having a contractual relationship with this collection company LVNV FUNDING LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (CA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I, XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2023-09-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (AZ)

XXXX XXXX  : I changed my email address online at newrez.com and have had no account access since then. 

XXXX XXXX, XXXX  : I called in and was told they would submit a ticket. I should wait one month. 

-XXXX  XXXX, XXXX  : I again called in. Told to wait 24 hours this time. 

-XXXX  XXXX, XXXX  : Third time I called in. Spoke to XXXX and then a lady supervisor. Supervisor said they should have been able to delink the email when I originally called in. She can see the two tickets from XX/XX/XXXX & XX/XX/XXXX but they are still pending. No notes have been added, so they havent yet been worked on. Told there is no way to speak to the IT department. I just have to wait. I should receive an email when the process has been completed. 

-Today, XX/XX/XXXX  : Fourth time calling. Still getting all the same error messages : Unable to Sign In, Good News, It Looks Like You Already Have an Account etc. XXXX XXXX was unable to get me any further. 

When I try to create a new account, it will say Good News, You Already Have An Account. When I try to reset the password, I receive an email to my old email address that says Password Reset Request Denied... At this time your password can only be reset by an administrator because you are currently locked out of your account. This email tells me to call the same XXXX number for help. I've been calling now for 7 months and still have NO ONLINE ACCOUNT ACCESS.
Consumer complaint received 2024-05-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Larry H. Miller Group of Companies (GA)

Dear Prestige, I am writing to formally complain about your company 's handling of an account that does not belong to me. Despite multiple attempts to resolve this issue through various communications, the disputed account remains on my record without proper action taken by your company. The account in question, does not belong to me and is inaccurately attributed to my name. I have contacted your office on XX/XX/year> & XX/XX/year> and provided all necessary information to support my claim. Despite my efforts, the account has neither been removed nor appropriately marked as disputed/investigated, as required by the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA mandates that debt collectors must investigate and validate disputed debts and mark such debts as disputed while the investigation is ongoing. XXXX XXXX ' failure to do so not only violates the FDCPA but also causes undue stress and potential harm to my credit report and overall financial well-being. If this issue is not resolved immediately, I will be compelled to escalate this matter to litigation and seek compensation for any damages incurred.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However, I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
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. (NJ)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (NC)

On XXXX, my check was declined at XXXXXXXX XXXX  by Telecheck. I spoke to a supervisor at TeleCheck and was told that the reason was for the decline was that I usually dont write checks for over XXXX dollars. The supervisor XXXX, refused to help me and told me I should wait for 24 hours. I gave a lot of personal information to TeleCheck, and they still would not honor the check. I really need my medicine and am very concerned that TeleCheck has the power to hold your money hostage. Someone should investigate Telecheck for this unfair and biased business practice.

This has happened too often and for too long to me. There should be some intervention whereas consumers checks can be honored without being embarrassed and discriminated against. Telecheck should not continue to be allowed to have consumers checks declined for no good reason due to the check amount patterns.

My medicine costs hundreds of dollars and I was denied access to it due to TeleCheck and not due to insufficient funds. Telecheck already has too much personal information, and it is the consumer like me who is suffering.

Please investigate TeleCheck for this practice. I want to be treated like any other consumer that is allowed to buy products with the means they have.

Thank you for helping me with this.