davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

According to my recent credit report request from XXXX, Experian, And XXXX  there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT XXXX XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOESNT BELONG TO ME PLEASE REMOVE IT
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I disputed my student loan with Experian. I stated that my loan was supposed to be discharged and completely removed from my credit report by XX/XX/24 by court order from the case XXXXXXXX XXXX XXXX. I included the letter stating that I was a XXXX XXXX XXXX of the case and that my loans would be : discharged, refunded, and completely removed from my credit by XX/XX/24. 
XXXX student loans still appear on my credit report with delinquent payments. They show a balance of {$31000.00}. They responded to my dispute saying that they had updated the information I requested, but nothing was changed. The balance still remains and the credit line and complete history still show in my report.

This has been hurting my ability to get a loan and a mortgage for over XXXX  years now. It was finally supposed to be removed by XX/XX/24 and it has not been. The Dept of Education and all XXXX credit bureaus are now in breach of that court order. I have submitted disputes directly with XXXX and XXXX but have not received responses yet. 
Experian did reply and said it was resolved but did not resolve it at all.
Consumer complaint received 2024-03-15
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. (CA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. I am unable secure permanent housing for this reason. Thank you.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (TX)

I am seeking assistance regarding an issue with Trust Bank concerning my Business Checking Account. Initially, upon opening the account online, Trust Bank did not provide essential account materials such as a welcome packet or a Deposit Agreement. Additionally, there was no option offered to order a debit card, nor was one sent automatically with the account opening.

Furthermore, Trust Bank advertised a policy of no Overdraft Fees, but this was misleading as it applied only to specific accounts, a detail not clarified in the promotions. The absence of initial account documentation left me uninformed about key aspects like transaction processing and posting times, which are crucial for managing the account effectively. 

During the XXXXXXXX XXXX XXXX holiday, a transaction resulted in an Overdraft Fee being charged to my account. On XX/XX/2024, I contacted Trust Bank for clarification. The explanation provided by the representative was unsatisfactory, as it did not adequately address my questions about transaction statuses and processing policies. It seemed to be her interpretation rather than a clear representation of written policy. 

XXXX XXXX XXXX XXXX XXXX  XXXX, I face challenges in fully grasping verbal explanations. I requested a waiver of the overdraft fee, considering my unfamiliarity with the bank 's processes and the lack of written materials to reference. Unfortunately, my request was denied, and the representative was unable to provide a specific reason for this denial, offering only general contributing factors. 

I am experiencing considerable frustration due to Truist Bank 's failure to send written information regarding my account via mail. This oversight has significantly impacted my ability to make informed decisions about managing my transactions. For instance, had I received the necessary documentation, I could have determined whether to use my business or personal account for specific expenses. Providing customers with the essential tools and information to manage their accounts effectively is a fundamental responsibility of a bank, and in this case, it feels like this responsibility has not been met. This situation could have been easily avoided if Truist had adhered to basic customer service practices and ensured that I, as a customer, was properly equipped with all relevant account information.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (CA)

I filed a dispute with XXXX regarding the derogatory credit reporting from this creditor. XXXX XXXX XXXX responded to XXXX advising that the file was accurate and correct and no action will be taken. I respond back to XXXX XXXX XXXX in which I submitted a request for Verification of Debt which they received on XX/XX/XXXX ( I sent the letter via registered mailed through the USPS ). As of the date of this letter, XXXX XXXX XXXX has failed to respond back to my request. 

I re-disputed the case with XXXX once again as identify theft in which XXXX XXXX XXXX again just responded that the file was accurate and refused to remove the derogatory reporting. The failed to provide me nor XXXX any documentation to support their position and due to the failed to comply with the Request for Verification of Debt within the 30-days timeframe, the file must be removed. 

I filed a police report ( confirmation # XXXX ) with the XXXX XXXX XXXX on XX/XX/XXXX. I do not owe them, and they do not owe me anything. My request is simply to have this inaccurate file removed.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

Target credit card is not crediting my account when I make a payment. Recently, on XX/XX/XXXX, I made a {$3000.00} payment. Target has yet to credit my account for this payment. I believe they are committing a huge fraud. If they do not credit my account, they then have the advantage of charging me more interest than I am suppose to really pay. I have never experienced this fraud in the last XXXX plus years of paying credit cards. 

Please, I need to put a stop to this. CFPB is the only Bureau which has the resources to stop this abuse. This is fraud at its finest. 

I know there are many people who are going through this same abuse and do not have where to look for help. 

Please help put a stop to the fraud Target card is committing. 

Thanks.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

I have recently been informed that there is negative information reported by Experian, for a " Bankruptcy. ''. I sent XXXX XXXX XXXX, ( who Experian reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " Bankruptcy. '' Verification meaning competent evidence bearing my signature. Experian received my letter on XX/XX/2017. In my letter I requested for them to remove this " Bankruptcy '' from my report if they could not provide me with competent verification with my signature. I want this " Bankruptcy '' removed. Experian did not provide me with any competent verification of this " Bankruptcy '' bearing my signature.
Consumer complaint received 2023-11-28
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Date of the transaction. XX/XX/2023 The amount of money you paid the business? So far I have paid them XXXX in installments What the business committed to provide you? They had committed to provide me with video footage of anyone, or everyone breaking into my room. 

What the nature of the dispute is. The nature of the dispute is that they have not provided the service I needed, especially whenever I found that important items were missing from my room, and that someone must have broken in. The cameras were always down when there were break-ins. The company itself would log me out, and block my online account from viewing the events that happened in my room. 
When I log into the XXXX application or website, I am not given access to anything else except 2 factor authentication, which I did, but nothing more than that has been accessible, no footages, no monitoring, nothing. I am made to pay an extra {$27.00} for just logging in, which is unfair. I need a refund of XXXX and cancelation of their service by the company itself. 

Whether or not the business has tried to resolve the problem. The business has failed to resolve the problem. When I reported, they would then make me go through another login process and failed to retrieve the footages of the days when I had a burglary or break in. They sent somebody to just come and look at the camera and did not resolve the real issue of failure to provide me with footages of the days when I had a burglary or break in. 

Account or order tracking number. There are two accounts. They are collecting money from both of these accounts, citizens bank line of credit and XXXX XXXX XXXX  If the issue involves advertising, where and when the ad was seen or heard. It was an ad that popped up on my screen when I looked up security cameras on XXXX
Consumer complaint received 2022-08-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Dividend Finance Inc. (TX)

We purchased solar through XXXX XXXX which is a scam and they XXXX made us finance through dividend finance, we weren't given a choice, and the system we were sold under performs and dividend finance is aware and will not help us that just keep taking our money knowing we were sold XXXX that the are a part of.
Consumer complaint received 2024-01-03
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: Avant Holding Company, Inc. (MD)

I paid Avant {$30.00} and {$35.00} on XX/XX/XXXX and {$20.00} on XX/XX/XXXX {$20.00} which the monthly payment is $ XXXX Avant payments due date is the XXXX of each month. The Avant one time annual payment was {$39.00} and the Avant recurring monthly payment is {$25.00} = {$64.00}. Then I paid an extra {$25.00} on XXXX Avant put down a late payment charge when my payment was not late. 

Now Avant claims I owe {$15.00} of late payment. 

Avant is trying to fraud me and I am furthering to file a fraud complaint with FTC and the Department of Justice. They are trying to enrich themselves and frauding customers!
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Admin Recovery, LLC (GA)

Admin Recovery called my husband 3 times back to back each day for the past week, called XXXX of my kids 4 times every day from spoofed numbers leaving voicemail stating the call was for me and I could go to jail over this debt, and they call me a minimum of 3 times every day and have since XX/XX/2013! They threaten me, they 've called my mother in law and given her all the details of my debt. They have yet to send any mail since XX/XX/2013. I have asked them to stop calling my job and they still do and tell coworkers what it 's about. I am at a loss. I do n't have the money to pay them. The new Healthcare crisis makes my monthly premium over half my salary. I 'm not making ends meet now.
Consumer complaint received 2021-11-02
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: Paypal Holdings, Inc ()

I got a text message alerting me that I made a purchase of XXXX EUR and 1 min later another XXXX EUR. ( mind you i did not make these purchases ) I immediate call my credit card company and lock my credit card in foreign countries. Then I try logging into my paypal account, but I can't ( because the hacker, closed my account ) I then proceed to use text chat box in the paypal main page, but XXXX the lady who works for paypal, says she can't help me because my account was closed. Basic runaround and tells me to email paypal. 

So i email paypal, and they tell me that I have to log in and goto the resolution center and deal with the problem there. 

I write them telling them, I can't log in to my account because it was closed and hacked. But the email i received tells me the same message over and over and over again. WIthout any help or resolution. 

Finally i call paypal, and they give me the basic runaround, Im on the phone with recordings and bots, and another 40 mins wasted.

I finally reach somebody and they ask me for my information, and after waiting another 30 mins, she tells me my account was closed so, they can't do nothing and gives me another phone, which doesn't work. 

I get upset and ask to speak to the supervisor, i wait and wait... .then finally supervisor XXXX gets on the phone and asks me the same questions and I couldn't understand what she was saying... .and basically, ... ..i think nothing will be done. 

I don't want to call him, or deal with them anymore. I wasted time, energy, been stressed the whole day. 

Please help me.
Consumer complaint received 2023-11-28
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: GOLDMAN SACHS BANK USA (NJ)

I understand that ticket purchases often come with certain terms and conditions, and I acknowledge that tickets are generally non-refundable. However, my concern arises from the denial of my right to change my flight by paying a specified fee, as outlined in the terms and conditions associated with my original booking. I had attempted to change my flights with XXXX on XX/XX/28 but my right was denied. 

As per the terms and conditions that I accepted with the bank transfer for my ticket, I am granted the right to change my flight by paying a fee of {$210.00}. This information was clearly communicated, and I relied on it when making my travel plans. Unfortunately, when I called to exercise this right and change my flight, my request was denied. 

I would like to emphasize that I am not disputing the terms and conditions agreed upon during the booking process. Rather, my dispute stems from the denial of a right explicitly stated in those terms and conditions. 

To provide more context, I attempted to change my flight due to unforeseen circumstances, and I was willing to comply with the stated fee for this service of {$210.00}. However, I was informed that my request for a change was not possible because my card did not work, while simultaneously being offered the option to purchase a new ticket for {$530.00} using the same credit card or payment method. 

I kindly request that you review the details of my case and clarify why my right to change my flight was denied, even though the terms and conditions explicitly permit such changes for a specified fee. I believe there may be a misunderstanding, and I am hopeful that this matter can be resolved amicably.
Consumer complaint received 2023-11-28
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 PORTFOLIO SERVICING INC (FL)

After reviewing my credit profile on XX/XX/2023| identified a discrepancy with account listed under XXXX XXXX XXXX XXXXXXXX total visa and a letter was sent on XX/XX/2023 requesting 3 items.I have not received any correspondence from this creditor to validate this account. I've also included a cease and desist in the letter but there have been no updates and the account is still reflecting on my report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me.I do not believe the account belongs to me.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It is rather disheartening that, as a long standing customer and with no prior issues, Bank of America reversed the two XXXX XXXX fraudulently charges totaling {$760.00} posted on XX/XX/2023 and charged them back on my account because The charge was authorized by you or made by someone who has permission to use the card or account. How can this be, if I reported that my wallet was physically stolen from me. 

In fact, within 2 hours after the charges were made on my Debit Card on XX/XX/2023, I notified Bank of America that my wallet was stolen from the zippered compartment of my legal briefcase, while the briefcase was situated in my office within my suite located at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. I also filed a police report to report this incident, which is attached here. In addition to the charges on my Bank of America Debit Card, I also had numerous and much larger charges on my XXXX XXXX XXXX XXXX Credit Cards, which were also in my wallet, within minutes of each other. However, XXXX permanently reversed these charges when I reported them as fraud. 

In fact, my attorney colleague whose office was next to mine also had his wallet physically stolen by the same culprit, and precisely the same charges were placed on his credit card account. His bank, however, reversed the charged and permanently credited his account. 

A quick review of my account quickly shows that I did not authorize or place these in-person charges. In fact, the only time I have ever used the Debit Card in person was at XXXX XXXX, since this account is an account to manage the income and expenses related to a rental unit I own. Charges at a clothing store are clearly atypical and unrelated to my rental unit. 

After Bank of America reversed the temporary credit, I faxed a written Request for Reconsideration to ( XXXX ) XXXX on XX/XX/2023. Even though I never received a response to my request, I noticed that Bank of America once again reversed the temporary credits totaling {$760.00} on my account on XX/XX/2023. 

Thus, I am requesting a regulator to inquire from Bank of America further into these matters in light of the clear fraud on my account.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

I have requested a full documents from Wells Fargo as it pertains to my dispute under XXXX when I received merchandise that was broken and damaged and the seller had prior knowledge of the issues and the seller still sent the merchandise out anyways. Wells Fargo has not sent any documents to me or how they opened the dispute with Visa themselves SEE ATTACHED LETTER
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Phoenix Financial Services LLC (TX)

XXXX  : {$2800.00} Total Phx Financial Services : {$4500.00} XXXX  XXXX  XXXX  : {$710.00} My medical information was shared with a collection agency, XXXX XXXX XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  I am being charged I've attempted on XXXX  occasions sending letters to XXXX  XXXX XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  for debt validation in XX/XX/XXXX and XX/XX/XXXX, and each time the company has failed to validate the debt bearing proof of my signature or any contract I signed for Account Resolution Services, Phenoix Financial Services & XXXX XXXX  XXXX  to have authorization to collect a debt. Instead XXXX  XXXX  XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  has sent a notice of amount due and medical information, services of lab work done which I know is a direct violation of HIPPA regulations. I've written the three credit agencies in XXXX XXXX and XXXX XXXX explaining that XXXX XXXX  XXXX, Phenoix Financial Services & XXXX XXXX  XXXX  has violated my medical rights committing a HIPPA violation, did not validate the debt or have proof of my signature, and to correct my credit file. Now I ask that you investigate this direct form of violation and please delete this information from my credit file and cease all collection activity immediately.
Consumer complaint received 2023-07-29
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. (SC)

I submitted this complaint to update this suspicious information. XXXX and TRANSUNION Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00}.