davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MS)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-06-14
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. (AL)

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 2024-03-07
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PNC Bank N.A. ()

My PNC savings account was closed in XX/XX/2023 without any reason given. A few months later, I wanted to transfer my money to XXXX, and when I called, they said they could send me a check to XXXX because im not in XXXX. This was in XXXX. After completing multiple documents in XXXX, I sent all the required information with the promise that they would send it to XXXX. It's now XXXX, and despite numerous calls with XXXX 's customer service, I haven't received the check. They are not providing accurate information, and several months have passed with no indication of where my money is. 

XXXX XXXX Teerible experience they still have my money.
Consumer complaint received 2017-07-17
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREAT LAKES (MI)

In  XXXX  2017 I was contacted by phone at my employer in an attempt to collect a student loan debt. I have no student loans and informed the debt collector of that. I verified my middle name does not match that of the debtor they are trying to collect on.
On   XXXX / XXXX /1 7 I was informed by my employer that the debt collector had filed a wage garnishment. The paperwork received states it is for an individual with my same first and last name, but with a different SSN, middle initial, and address than me. It appears the only thing the debtor and I have in common are a first and last name.
The debt collector was informed that I am not the debtor on the   XXXX   2017 phone call and proceeded with an improper wage garnishment.
The debt collector is   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX  ,  XXXX  , CA  XXXX . The account # is  XXXX .
Consumer complaint received 2023-06-03
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)

I checked my credit report and noticed a collections account for an apartment complex that I've never lived at or signed a lease for. This is identity theft and fraud and they are trying to collect on a balance that I do not owe, they are unable to provide a copy of any lease or form bearing my signature, proving that I signed a lease to live there ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PNC Bank N.A. (NJ)

I do not believe that I owe any debt and I have requested to PNC to verify the debt by providing certain information like the Generally Accepted Accounting Principals ( GAAP ) bookkeeping entries that proves that this creditor has suffered a loss. To date I have yet to receive a response. I have attached the dispute letter that I have sent them.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (CA)

SYNCB/CARE CREDIT fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley-Act ( 15 USC 6802 ). SYNCB/CARE CREDIT is depriving me of my rights under the color of law ( 18 USC 242 ). and is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization or consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I HAVE NOT GIVEN CONSENT TO ANY OF THESE COMPANIES. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THESE CREDITORS HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 6 o 2 STATES I HAVE THE RIGHT TO PRIVACY.
Consumer complaint received 2024-11-19
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. (MS)

Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. In compliance with USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.
Consumer complaint received 2024-11-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital ones Fraud department closed my accounts due to fraudulent activity and never sent me a letter why the accounts were closed only that they were being closed and could not disclose why. The charges on these accounts were disputed and never fully investigated. Capital one has failed to provide documentation that these charges were made by me. Capital one is now trying to obtain judgements against me that I am disputing. Capital one removed  XXXX  of my accounts for this same reason but has failed to remove the other  XXXX . Now I want these judgements stopped and removed from my credit report since capital one is failing to respond to me with proof. They say no activity is found but yet there fraud department closed my accounts. Accounts were closed by credit grantor not by the consumer. I will be taking more legal action if these charges are not amended and the judgements are not stopped. Capital one is also still trying to pursue a judgment against me even though my wages are exempt from garnishment as well. I am considering filing a class action law suit because they will not provide me DETAILED DOCUMENTATION AS TO WHY MY ACCOUNTS WERE CLOSED.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC (CA)

On XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX of 2024, I sent several letters asking them to either remove the account or update the account to PAID AS AGREED, since the Statue of Limitation for negative reporting had been reached as of now I still have not heard anything from them. 

On XX/XX/XXXX I called Fay Servicing and after several minutes I was informed that they could not find the account on file and I should contact their customer support team to get this resolved, which as of now has not been resolved. 

I tried to dispute with XXXX, but they keep reporting this account as verified even though Fay Servicing says they do not have this account active anymore and it was sold to another lender. 

I am asking that there is some type of resolution from FAY Servicing to either remove this account or update to PAID AS AGREED, since this negative information is impacting my ability to purchase a house.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX, Bank of America closed my account for no reason. 

Today, XXXX months later, I have not received yet the money I had in my account. I just called the bank to ask for when would they release my money and they stated that they don't have a time frame for this. Meaning, they could hold my money forever? I truly do not understand. 

I understand that Bank of America can close my account at any time they want or for whatever reason. But, for how long can they legally hold my money? 

I ask CFPB to please intervene and help me in this situation, so Bank of America does not take advantage of me.
Consumer complaint received 2024-03-07
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. (IL)

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate.
Consumer complaint received 2023-06-03
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. (TN)

In accordance with the fair credit reporting Bankruptcy Court Reference # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-07-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC (NJ)

On XX/XX/2021, I received a letter from Debt Recovery Solutions , LLC regarding a debt they say I owe to them in the amount of {$880.00}. On XX/XX/2021, a letter of validation was sent to Debt Recovery Systems LLC giving the company 30 days to respond. The letter was received by their office on XX/XX/2021. On XX/XX/2021, I received a letter from DRS along with a bill from the hospital they say is the original debtor reflective of my personal information along with a description of what I was seen for. On XX/XX/2021, I sent another letter for debt validation ; requesting a response within 15 days of the date of said letter. the company was in receipt of said letter on XX/XX/2021. To date, no response has been received from DRS regarding validation of a debt they say I owe to them. Not only has the company not responded within a timely fashion but, they have also violated my rights under HIPPA.
Consumer complaint received 2022-11-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

According to my credit card issuer, " With Chase 's Zero Liability Protection you wont be held responsible for unauthorized charges made with your card or account information. '' I noticed unauthorized charges on my credit card while XXXX  on a family vacation in XXXX this summer : Post Date Merchant Name XXXX  Amount XX/XX/2022 XXXX XXXX XXXX {$4200.00} XX/XX/2022 XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from whom we had a prepaid rental car. This car was paid in full with a different credit card, a transaction that took place on XX/XX/2022 via XXXX. 
I did not authorize these additional charges with this vendor. 
I did not sign the credit card receipts. 
I was not aware the vendor would be making these charges on my credit card. 
I notified Chase of these suspicious charges via the online messaging service as soon as I noticed them listed in the recent billing activity of my online statement. 
I spoke with the merchant at XXXX XXXX XXXX in person and demanded the charges be returned as they were not authorized. 
He did not. 
I then formerly disputed the charges with Chase, after the merchant refused to refund them, and spent, in the end, months dealing with them trying to get them refunded. 
And, yet, I am still being held responsible for these charges when I did not authorize them. In the dispute, the vendor submitted altered documents that I did not sign, nor ever see. He forged my signature on credit card receipts. 
I've had this Chase Visa credit card for decades and have never had a late payment.

I have an excellent credit score.

I have never filed a credit card dispute in the past, as I'm lucky to have never been a victim of fraud before, that I'm aware of. 
In turn, I do not feel supported by my credit card company and don't understand why, nor can I accept that, I am being held responsible for these 2 unauthorized charges. They claim this was not a billing error and these are valid charges made by a merchant who, upon online investigation, has a history of doing this and is a scam XXXX. Chase Cardmember Services wrote in their last letter to me they " will not respond to future correspondence [ from me ] about it. '' I would like these two charges refunded as these fraudulent transactions are not valid. 
And I would like everyone to know to NEVER do business with XXXX XXXX XXXX.
Consumer complaint received 2017-07-17
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: U.S. BANCORP (FL)

My credit score dropped from  XXXX + to less than  XXXX . US Bank reported an account belonging to my ex-wife on my score. I was divorced in  XXXX . The account was opened in  XXXX . My ex-wife died in  XXXX  and the account went past due. US Bank has never sent me a statement, past due notice, or notice of adverse action. They just ruined my credit. I have called, written letters, and followed their formal complaint process. The amount is {$1000.00}. plus interest and fees.
Consumer complaint received 2023-05-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (TX)

XXXX is reporting missed payments in XXXX and XX/XX/2021. I was sick and in the hospital with XXXX and fighting medical issues that has led me to be XXXX percent XXXX as shown by the attached documents. I suffered identity theft during that time and perhaps a payment card was affected and that could have caused a payment processing issues. I never had an issue paying and have completely paid off this account easily with a XXXX dollar payment before you all decided to close it without my consent. Please check my XXXX XXXX and see that I qualify for this card. I loved shopping at your store online, and would like to continue doing business. Please have some compassion on me and delete this late payments as they are not mine and occurred as a result of technical issues beyond my control. I was incapacitated at the time and addressed the technical situation with my bank after I became aware of and issue.Please escalate this to a manager who could grant this request if needed. It would be a great help for me. I am so exhausted and my health if deeply affected by the stress of trying to get this resolved.
Consumer complaint received 2017-07-17
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (AZ)

I began protesting the fraudulent behavior of   XXXX   a bout 6 months before grauation due to the extremely poor education, materials and teachers we were experiencing. Finding out that our credits were not transferable and the school was not accredited cost me my company paying for the education. I could not transfer credits and I did not want to start all over again some where else. I kept trying to cram 2 to 3 years of subject matter being learned into 8 weeks while working a full time job was too much. The president at the time was   XXXX   he offered a   XXXX   XXXX   break for educatuon wich we filled out forms for those who continue from   XXXX   XXXX   XXXX   XXXX   and when I went to sign up for my first term they had no knowlege of any papers. I dont have all my papers any more do to a storage unit Nightmare but I still need help I have the 50 billion phone calls I receive from so many different people who call me daily but Im sure it can be supported somehow.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION (GA)

I sent Navy Federal Credit Union a secured message on XX/XX/year>. Sometimes I deposit $ XXXX to $ XXXX in my account per month and it disappears. Im not sure whats going on but I need help.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (GA)

My privacy rights are being violated in multiple ways. According to 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, Navy Federal Credit Union is in clear violation of the law. According to 15 USC 1681a, utilization and payment history are experiences with the lines of credit that were extended between the consumer ( ME ) and Navy Federal Credit Union, that is making the report. The law clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports.
Consumer complaint received 2023-05-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Collection Systems, Inc. (MO)

Apologies for any errors in reporting legal violations, my understanding is rudimentary at best. 

XX/XX/23 : Recieved call from National Credit Management, stating I owe {$2800.00}. I did not recognize this debt, so I state, " I'm not sure... I recognize this ( debt ) ... '' and asked for letter of validation of debt and to only recieve communications through mail. I did not state the debt was mine and did not agree to pay this debt. NCM consented to my request for written form of validation. 

XX/XX/23 : 5 days after initial communication, NCM has not provided validation of debt in any form, violating all parts of 12 CFR Part 1006 ( Regulation F ) Section 1006.34 ( a ) ( 1 ). 

XX/XX/23 : 30 days after initial communication. No further communications from NCM. Decided to allow another few days before reporting to allow them more time to correct clerical errors. 

XX/XX/23 : 42 days after original notification. NCM has neither attempted to collect on the supposed debt and has not fulfilled my request for validation of debt. Have not recieved any communication of any form from NCM.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

Complaint XXXX was opened on XX/XX/XXXX due to XXXX XX/XX/XXXX and XX/XX/XXXX, I contacted Equifax by mail regarding an alleged bankruptcy being reported on my consumer report. Complaint XXXX was submitted on XX/XX/XXXX via this portal to Equifax regarding XXXX documentation to an alleged bankruptcy reported on my credit file. To date, no response has been received 35 days after the complaint was submitted and more than 180 days after the request was made by mail
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and XXXX counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2023-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION ()

My complaint is between Truist Bank ( Truist ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1. I phoned XXXX to purchase an airline XXXX ticket from XXXXXXXX XXXX XXXX I needed to return home to XXXX, as my brother, ( over XXXX yrs ) was quite ill. 
2. During call I was transferred to some group called XXXX. XXXX took my bank details to pay for my flighth ticket. She emailed me a form, and said that it was all I needed to take to airport as proof of purchase. 
XXXX. Next morning, my bank, TRUIST emailed me that my acct. was on hold. XXXX  XXXX during XXXX attempted 13 times to withdraw various amounts of money. Three addiitonal payments were approved before bank caught it. I was quickly reimbursed for those 3 unauthorised withdrawals. 
TRUIST - a week ago told me my flight ticket claim was denied. 
How can it be denied, when XXXX told me that I never had a ticket because it was never paid for. XXXX XXXX kept my money.