davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
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. (LA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

This has been a ridiculous experience with an extreme level of disrespect I feel that they need to be exposed called to order a jumpsuit the agent did not tell me he was ordering the jumpsuit. I asked for Supervisor. She intern got on the line because I had a coupon for a discount. I end up calling because I didnt receive my order. They told me I had two orders and I was like I did not authorize the agent to charge my card for the first jumpsuit, it became a big fiasco. I talked to a supervisor in the US. She was like oh dont worry about it. Well go ahead and give you a credit for one of the jumpsuits just return the jumpsuit. I called and got the barcode to return the jumpsuit, she told me I would not be charged that she had already credited my account. I called in. I got a bill I made the payment and I made it on the XXXX. They end up charging me a late fee of {$35.00}. I called to talk to a supervisor that was extremely rude. You can listen to the cause retaining to the jumpsuit and the Supervisor car I paid you again {$37.00} and you guys said I paid you on the XXXX shes gon na say after Eastern standard time I live in in Illinois now youre sending me another bill for {$35.00} which means I dont paid you more than what I was paying for jumpsuit not charged with authorization for an item that I returned that I dont even have this is insane after Im done with this. Im closing the account. Ive been a customer for over seven years. I barely use the card purchase the item for a party and this is turn into a disaster fees that you keep charging me. XXXX XXXX  needs to be exposed to this as well as their customer service
Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc (CT)

Two transactions from XXXX XXXX were made on XX/XX/XXXX, both canceled on merchant end, the amounts of {$1000.00} each I believe. Down payments in amounts of {$420.00} and {$120.00} were placed. I attempted to confirm refund of down payments today XX/XX/XXXX, however, unable to do so with several Affirm reps. Unfortunately, Affirm outsources its customer service to XXXX, reps are ignorant, do not listen. I was unable to confirm refunds of down payments for cancelled transactions.
Consumer complaint received 2024-08-10
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: First Technology Federal Credit Union (NC)

First XXXX XXXX This account has been paid off and I received a paid off letter and now they are reporting this info on my report with is defamation of my character and causing me stress.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (FL)

This card in question was opened without my authorization, using my partial personal information to obtain benefits, despite having a freeze in the credit bureaus and a red alert for identity theft fraud victim in the past. 
The phone number a email address do not match my current contact, as well as my legal name, mailing address, bank account information and other information used for the purpose of obtaining, collecting and receiving benefits from this creditor.
Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Skrill USA, Inc. (MI)

An account with Skrill USA , Inc. was opened in my name without my knowledge on XX/XX/XXXX. There was an email on file for the previous homeowner of my current residence. 
XX/XX/XXXX - 2 " upload '' transactions of {$90.00} and {$50.00} were processed to the account XX/XX/XXXX - 2 " send money '' transactions were requested to go to a recipient ( XXXX ) XX/XX/XXXX - 2 " withdraw '' chargeback transactions were processed creating the debt XX/XX/XXXX - Received notification from debt collector " XXXX XXXX XXXX '' in the amount of {$140.00} XX/XX/XXXX - Contacted XXXX XXXX XXXX to inquire about notification and learned the creditor was Skrill USA XX/XX/XXXX - Submitted dispute via XXXX XXXX  XXXX website and requested documentation for basis of debt collection XX/XX/XXXX - Contacted Skrill USA and learned the account email to open account was from the former homeowner of current residence. I was told at that point the Skrill USA would investigate and I should disregard the collection notice. 
XX/XX/XXXX - Received acknowledgement from XXXX XXXX  XXXX regarding my dispute with documentation showing transactions with Skrill USA XX/XX/XXXX - Opened a dispute of debt with the credit reporting agency " XXXX '' XX/XX/XXXX - Received documentation again from XXXX XXXX XXXX requesting payment of debt XX/XX/XXXX - Received email acknowledgement from Skrill USA regarding my dispute, the email which states that I need to do a report that an Identity Theft has been reported to the relevant authorities, i.e. that a Skrill account was created in your name, with your personal details and without your permission. 
Week of XX/XX/XXXX - Previous dispute which was taken off credit report was placed on the report again. 
XX/XX/XXXX - This filing is to satisfy the requirements from Skrill USA received on XX/XX/XXXX There are 2 email addresses listed on the transaction report, neither of which are mine nor are they addresses for which I have corresponded with.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (NY)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and NCB Management Services are in violation of my rights as a federally protected consumer.

They are in violation of The Privacy Act of 1974 and FCRA.

They have not given me any notice to opt out although it is my right as a federally protected consumer as per 15 USC 6802-6805 and 16 CFR 313.7 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX XXXX XXXX and NCB Management Services Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law.

They are in violation of 15 USC 1681a by reporting transactions and also in violation of 16 CFR 433.1, 433.2,
and 433.3 Attached is my opt out letter as XXXX, XXXX XXXX XXXX and NCB services failed to give me an opportunity to do so.
Consumer complaint received 2024-06-26
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings (IN)

IQ Data contacted me on XX/XX/XXXX @ XXXXXXXX XXXX. I missed the call, but made a return call at XXXX XXXX. This call lasted 3 mins and 22 seconds. During this phone call the agent was incredible rude and attempted to goad me into hanging up on her when I explained I believed there had been a miscommunication. The agent then rudely ended the phone call. I called back to speak to a supervisor where I explained I would like to file a complaint about the manner in which I was spoken to and the supervisor also got attitude and began demanding payment. I explained to the supervisor I had not received a statement of the debt owed, only receiving an explanation of how to dispute the debt. I offered to arrange a short-term payment plan, and this was denied with the agent informing me that the co debtor and I needed to get a loan to pay this debt. I explained this was not an option as we are in the middle of a divorce and at that point the agent begrudgingly accepted a small payment from me but refused to arrange any additional payments. I explained to her this was something I could have completely taken care of within 2 months if they would work with me and she refused, stating this debt was five months past due. I again explained that I had not received a bill or a statement from them but I got nowhere and the call was ended. This company attempted to call me again on XX/XX/year>, 5 days after I had a phone conversation with them, and to my understanding this directly violates the 7 days of not contacting a debtor after a phone conversation has been had.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (IL)

XXXX XXXX XXXX XXXX This account was charged off on XX/XX/year>. Since then the account has repeatedly updated as charged off every month. This is an update in the payment history. A charge off account should not include inactive payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this properly after I asked to have this removed TWICE. This neglect has violated my rights. I am demanding DELETION of this account : XXXX XXXX account number XXXX Their are different account balance amounts, different account open dates, repeatedly reporting charges and inaccurate dates of last payment.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

I was traveling overseas and needed to wire money to another bank and had called up Citibank many times before clearing this transaction, and all the phone representatives had assured me that it was possible. 

When the transaction occurred, Citi held onto my money and canceled my online account. Their fraud system doesn't make sense, they couldn't verify my phone number even though I have used the same number for 9 years. I was on the phone with a different representative 5 times providing my verification but none of them resolved the issue. This severely impacted my ability to wire the money in the schedule I needed. As a result of this I had to cancel my overseas trip and cut my trip short in hopes of dealing with this in person. When I visited the branch they were unable to resolve my online issues. 

I am extremely unhappy with the checks and balances and the fraud system used my citi online and it severely impacted my ability to access my funds. The verification process is broken and the phone support is insufficient and inconsistent for online banking.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (IL)

I am no longer a consumer of this company and I owe no debts to them. There should not be damages on my credit report as it is a deformation of my character and I did not give this company written permission to report anything using my personal information. There is no permissible purpose for this company to cause negative damages to my credit report. This is a violation of my rights to privacy. 15 U.S.C 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (RI)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (KY)

Yesterday, XX/XX/2024 I received an email from Credit Karma that my account was frozen. I called them and they asked for identification documentation, which I provided three separate times. They acknowledged that they have verified that it is my account but they will not unlock it. 
Their resolution team will only communicate through emails, no phone calls or chat and the emails I have received are generic messages stating that they are reviewing my case. All of the money I have is in this account. This means I do not have money for food or gas or bills. I just want my account unlocked. There has not been any fraudulent activity on this account.
Consumer complaint received 2024-06-26
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: Conn's, Inc. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (VA)

Collection Agencies : XXXX XXXX XXXX and XXXX XXXX XXXX  The above collections are trying to collect from me under false pretenses and they are damaging my credit report. They have reported themselves as the Original Creditor when I never applied for anything from them. This is fraudulent and they are in violation. I don't even have an application on file with them.
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (VA)

Collection Agencies : XXXX XXXX XXXX  and XXXX XXXX XXXX The above collections are trying to collect from me under false pretenses and they are damaging my credit report. They have reported themselves as the XXXX XXXX when I never applied for anything from them. This is fraudulent and they are in violation. I don't even have an application on file with them.
Consumer complaint received 2023-09-12
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 (NY)

I received three American Express gift cards in XX/XX/2023. I initially had trouble using all three of them. I would get an error message for online transactions or a " card declined '' message at stores. I spoke to customer service and received zero help. I was told to try again or try a different merchant. I was eventually able to make purchases with two of the cards, but at a certain point they all stopped working anywhere. The cards say " active '' on the American Express website. I have to tried to use them at grocery stores, XXXX XXXX, XXXX 's, XXXX, XXXX, XXXXXXXX XXXX XXXX, XXXX and more and they are all declined every time. Both online and in stores. I have had the same experience with other American Express gift cards in recent years. I feel like they make the cards impossible to use in hopes that the customer will give up and they will keep the money. I have unused balances of {$25.00} ( this card never worked ), {$8.00} ( out of {$300.00} ) and {$89.00} ( out of {$100.00} ). They are all non-functional.
Consumer complaint received 2024-06-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (FL)

when I stopped school, I notified them that I was due for a unexpected major XXXX when this XXXX happened it took me from out of school and also XXXX me. I am still currently waiting on XXXX clearance, but Ive asked several times for forgiveness due to now being XXXX. Not working or having the funds. 
my goal was to finish school, but unfortunately it wont happen at this time. Is there anyway I can get help please
Consumer complaint received 2024-06-05
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: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (TX)

Several years ago when I was visiting XXXX I became quite XXXX. The doctor said my XXXX  was XXXX XXXX and I should go get an XXXX from the hospital. I went to XXXX. Emergency doctor said he would check if my supplemental policy would pay so I could get a XXXX XXXX overnight. Otherwise, it would burn my arm. He came back and said yes, it was authorized. I spent the night and paid my copay the next morning. Weeks later the hospital called and said my insurance had declined it after all. I owed XXXX usd for the night besides the {$600.00}. I had paid. I said I would have never stayed there and offered half. They refused. Sent it to a collection company warning that it would mess up my excellent credit, at the time. Please help. Totally unfair in XXXX.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

These accounts represents a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding these fraudulent accounts, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2019-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (CT)

XX/XX/2019 Creditor : XXXX  XXXX XXXX Better Known as : Convergent Outsourcing, Inc client Acc # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX convergent Acc # XXXX XXXX , WA XXXX original creditor : XXXX XXXX reduced balance {$1800.00} Total Balance {$5300.00}
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (GA)

Sagestream, XXXX, & XXXX continues to report incorrect information on my consumer reports. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other personal information listed. Once you update these reports send me a copy to ensure you have complied with federal law.