davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (TX)

My name is XXXX XXXX and I disputed three unauthorized transactions of fraud on XX/XX/XXXX with Netspend. I received a fraud alert from Netspend at approximately XXXX on XX/XX/XXXX. I selected NO when asked if I was attempting to make the transaction. Their customer service and fraud teams were closed and I could not get through to a human. I personally had to go into my account and stop the theft by blocking my cards. I also had to manually move funds back into my savings account in an effort to stop them. The hacker and/or thieves added their number to my account and also somehow accessed my pin. I informed all of this during my dispute as well as to the police.

The disputed three transactions were as follows : {$500.00} {$500.00} {$36.00} All transactions were processed on XX/XX/XXXX at the XXXX  XXXX XXXX in XXXX, TX. I have filed a police report with my local police department for the stolen money and fraud. My police report number is XXXX with the XXXXXXXX XXXX XXXX in XXXX, TX. 

Per Mark, the supervisor I spoke to at the time I filed the dispute with Netspend, I was told to email and request provisional credit for the stolen money. I did so. I also called Netspend on XX/XX/XXXX for an update and was told to call back on XX/XX/XXXX which I did. I was told by Netspend on XX/XX/XXXX that my dispute was to be complete that day and they still could not give me a provisional credit. 

I never received a provisional credit and sometime after my call on XX/XX/XXXX they denied my dispute and closed my dispute request as no error found. I was not notified that my dispute had been denied, I only found out by logging into my app on XX/XX/XXXX. 

I spoke with the XXXXXXXX XXXX XXXX who informed me that I was in fact a victim of theft and that it was the banks responsibility to provide the funds back and then use their resources to pursue the criminal act.
Consumer complaint received 2023-05-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NJ)

To whom it may concern : I am writing to dispute the validity of your company 's collection debt on my credit report. According to my records, I have no outstanding debts with your company or any other creditor listed on my credit report. 

Therefore, I request that your company provide proof of the debt. In addition, as per the Fair Debt Collection Practices Act, I have the right to request validation of this debt. Therefore, I ask that you provide me with the following information : 1. The name and address of the original creditor. 
2. The original account number. 
3. The date of the original debt. 
4. An itemized list of all charges, fees, and interest accrued on the account. 

I also request that you cease all collection activity until this matter has been resolved. Failure to provide me with the requested information within 30 days of receipt of this letter will result in my assumption that this debt is invalid. Please send this information to the email provided. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (CA)

On XX/XX/XXXX, I sent a debt validation letter along with an Affidavit of Truth with an opportunity to cure to Discover Financial Services. On XX/XX/2021 I received a notice from my credit report that my Discover account had been closed while still having over {$4000.00} of unused credit left on the card. I called and spoke to a Discover representative who informed me that the account was only closed in order to investigate the complaint filed to the CFPB. 

On XX/XX/2021, I received a letter stating that my Discover account was closed with no further explanation. After being hung up on 3 separate times, I spoke to a representative who informed me that my account was closed due to " malicious practices '' and that I had stated that I was not going to pay the alleged debt. However, I never stated that I would not pay the alleged debt. I sent a letter in asking for specific documents to be returned to me in order to validate the alleged debt. I was told that someone would contact me back in 72 hours with further explanation on the closure of my account. 

After 72 hours, I never received a call back. I followed up with another phone call on XX/XX/2021 and was held on hold for 40 minutes while being told that the supervisors were looking for the correct department to send me too. I was hung up on and never received a call back from any other Discover representatives. 

Discover closing my account has withheld me providing for my personal and household needs. I was never given a proper nor valid explanation as to why my account was closed.
Consumer complaint received 2021-09-18
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. (GA)

Experian is not reporting my payment history correctly. This is my third time working to get this off my credit. I have the requested to have the incorrect information to be removed permanent. record. I am attaching the payment history showing inconsistent and erroneous reporting for experian and XXXX.
Consumer complaint received 2023-02-02
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: Bread Financial Holdings, Inc. (TX)

This complaint is to report the inaccurate credit reporting by Comenity Capital Bank. The COMENITYCAPXXXX XXXX should be immediately deleted from my credit report due to incorrect information. This account says that it was purchased by another lender so why is it reporting as a charge off account? This is a violation of the FCRA. Also, the company that purchased the account is already reporting on my credit report and I have a payment plan set up so why is this account still being reported as a charge off? There are so many violations that I can take legal action. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am requesting for the deletion of this account for inaccurate reporting. I will attach the letter that was sent to the credit bureaus and my credit report showing the inaccurate information.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY (NY)

Td bank has put a hold on a {$7200.00} deposit for 10 days ( 6 bus days ) for " protection '', the check already cleared the writers account, which is my company, I called and offered proof, but no help or consideration Given,
Consumer complaint received 2023-08-08
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: TD BANK US HOLDING COMPANY (TN)

I filed a complaint with Nordstrom credit card concerning a late payment that was placed on my account. The company did not PROPERLY address the ORIGINAL issue and complaints and responded that they made me aware that late credit reporting can't be altered ... ..after the fact and actual events that occurred other than what I was told and reassured upon. The complaint is that it shouldn't have never been reported late as I was told my account will not incur a late payment report due to my XXXX XXXX but I was. So that's an error on the Card company not the actual consumer, therefore changes can be made. It's not fair, good customer service or ethical to assure as a company that something won't happen especially when it comes to a pandemic such as COVID.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AL)

I have been disputing 3 accounts with XXXX for 4 months now and have not made any progress. These accounts are continuously reporting charge off EVERY SINGLE MONTH even though they are closed and charge off. This is effecting my last date of activity on my credit report there for it is never going to get removed if they keep this up. I have tried calling then several times and have sent several letters but I have not made any progress at all and it is really effecting my credit report and upcoming goals that I have and this is not fair! One account has even been reporting Charge off since May of last year. How is that even possible.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization ) and I noticed that this unauthorized inquiry had been made : When I asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Professional Bureau, Inc. (TX)

I have been sent to collections, Merchants and Professional Collections Bureau , Inc., over a {$300.00} bill that XXXX has denied three times. The reason for the denial, according to XXXX, is due to the XXXX XXXX not being certified with XXXX. On Tuesday, XXXX XXXX XXXX, I called and physically went to XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX former place of employment, to pick up all of my medical  records from the XX/XX/XXXX XXXX. XXXX XXXX was the XXXX  for my case and requested the XXXX  XXXX. I was not advised of the potential of having a XXXX XXXX and therefore was not given the opportunity to allow or deny this part of the XXXX. After thorough examination of the records I have received regarding my case, I can find no consent form for the XXXX XXXX from XXXX  XXXX XXXX   XXXX  in my records. I spoke with XXXX, XXXX Billing Director, regarding this case and she stated that I received all paperwork corresponding to this XXXX. She also stated that since the XXXX  XXXX  was not covered by XXXX  that the XXXX XXXX  should have been paid through XXXX XXXX XXXX agreement for payment from XXXX. I take any financial issues seriously and I have spoken to and been advised by a lawyer who stated I should not have been billed as the XXXX should have been vetted through XXXX XXXX prior to the XXXX. The failure of XXXX XXXX and your company to verify coverage before the XXXX  XXXX  took part in my XXXX  has further complicated by the fact that there is no record of my consent to this part of the XXXX. This matter is made even more difficult due to the fact that almost three years have passed, XXXX XXXX no longer practices with XXXX, and the billing director was not at XXXX  when this XXXX  took place.
Consumer complaint received 2024-01-08
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. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc. (CA)

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  XXXX XXXX.
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IN)

had 3 transactions that were disputed 2 unauthorized 1 billing dispute. 
Chime refuses to investigate any of the charges. 
Chime claims no errors occurred and has ignored 3 email requests on how to continue dispute and provide valid proof of charges. No response from chime.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica (MI)

So I was told back in XXXX that my checking account was closed due to no funds. To find out my account was under investigation when I didnt know I didnt receive a statement I havent used my bank account since at least the end of XXXX not once I have been banking with XXXX. And theyre checks that are deposited into my account for over XXXX $ my account has never had over at least XXXX $ so they tried to say I did it and overdrafted my girlfriends account by using her grandmas saving account to get the funds of XXXX $ on XX/XX/XXXX or XX/XX/XXXX the bank keep saying. I have never had over XXXX $ if you look at the bank statements youll see the inconsistencies. They have have taken it 2 times saying I was the one who overdrafted it which is not true. I have been banking with XXXX now my credit is going to be ruined because of the negative funds. They say its closed but whos to know when they will replace that money from her grandmas savings account that my girlfriend is on.
Consumer complaint received 2021-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been disputing 3 accounts with Transunion for 4 months now and have not made any progress. These accounts are continuously reporting charge off EVERY SINGLE MONTH even though they are closed and charge off. This is effecting my last date of activity on my credit report there for it is never going to get removed if they keep this up. I have tried calling then several times and have sent several letters but I have not made any progress at all and it is really effecting my credit report and upcoming goals that I have and this is not fair! One account has even been reporting Charge off since May of last year. How is that even possible.
Consumer complaint received 2021-09-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (LA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Consumer complaint received 2024-04-13
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY (AL)

I have a target credit card opened XX/XX/2023. I have made my payments no issues. XXXX XXXX I paid a payment for XXXX. The company placed a hold on it due to suspicious payment. Finally after complaints they removed it I made another payment XX/XX/XXXX XXXX. That payment was held due to suspicious payments. I was told by Target that they wanted to speak with my bank to see if I had authorization to make those payments and because it was usually large they didnt feel I could make that payment. They stated in the past my payments have not gone over XXXX and they just need the bank to validate I could make a payment. I asked XXXX can I not make a large payment with my checking about or debit card he said I can they just need the bank to verify I can make a payment. I have made this payment and it has been 10 days and my payment has not been released due to being XXXX and they dont feel I have money in my account. They are holding my money until I allow them to speak to my bank to verify I have money in my account to make the payment. The payment has cleared on their end but needs to bank to verify I have money and its not fraud. I asked them do they verify with all customers who make large payments he said the computer decides who needs to verify if they have money. This is XXXX profiling and harassment in lending and I am seeking legal action against Target
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX is incorrectly and inaccurately reporting a Business auto loan for the purchase of a XXXX XXXX XXXX XXXX in my personal and individual name on my Consumer credit report. The auto loan contract originated in the name of a Business and not an individual. Evidence of the purchase and sale contract ( retail installments ) will validate that this account is a Business account for the auto loan and not an individual Consumer loan. Therefore this Business account should be removed from my personal Consumer credit report because the auto loan account is in the name of a Business account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX completed registration for the XXXX XXXXXXXX XXXX XXXX XXXX the name of a Business. The registration of the vehicle is in the name of a Business and not in the name of an individual consumer.
Consumer complaint received 2023-01-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My family and I were affected by XXXX XXXX and XXXX during the months of XXXX and XXXX in XXXX. I called bank of America on XX/XX/2022 and Spoke to XXXX to explain my situation and hardships with payments due to the hurricane and he advised me that the late fees would be removed from my credit card account and no late payments would be reported to the credit bureaus. My credit report has a late payment for the month of XXXX. I tried to dispute this with Bank of America multiple times and they will not remove this from my credit reports. Even with the difficulties we endured during this natural disaster I still made payments on my account in XXXX and XXXX. I have been banking with Bank of America for almost 10 years with my oldest credit card account of 6 years and not a single late payment with them.
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (NY)

since XX/XX/2021 not answer. around {$10.00}, send many emails to their support account email without any response.I have weeks without a response from the company that I have invested a lot of money and they do not mind answering the emails. Suddenly they took away my access through the application of the cell phone and my laptop. There is no other way to communicate with this company called Gemini. they are very irresponsible without being sensitive to their clients. Now I don't know what to do thinking about all my money invested in this company called Gemini.
Consumer complaint received 2024-04-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION (IL)

I pulled my consumer reports around the beginning of the year and I noticed it was errors on my XXXX, XXXX, and XXXX reports. I sent a dispute to the creditor Credit Acceptance XXXX and I waited well over the 30 day period allotted by law. See exhibit 1-2. This is a direct violation 15 USC 1681i. Subject to subsection ( f ) and except as provided in section ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. They have received my dispute XXXX. Exhibit XXXX. Today I'm sending out another dispute letter that I will attach also exhibit 4 and 5. Informing Credit Acceptance that they have went passed the 30 day period allotted by law proves they can not validate or verify this account. I will like for Credit Acceptance to delete this inaccurate information off my consumer report immediately. Credit Acceptance you defamed my character, my reputation, my worthiness, and my mode of living. I was just denied for a auto loan because of this inaccurate information