davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (CT)

I have recently requested that information my credit report be removed to the fact that when I settle with my closed accounts I was promised the removal of closed accounts if I settled with second party agency that house my debts This information was false or misleading and is a direct violation of the consumer law I have stated this many of times and have been ignored repeatedly I just want these closed accounts remove off my credit report immediately from all three bureaus 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section
Consumer complaint received 2021-08-11
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (GA)

According to 15 USC 1692a ( 3 ) and a ( 4 ), I am the consumer and the Original Creditor. FEDLOAN SERVICES is aware that they are in violation of the Federal Debt Collection Practices Act. Consumer has sent several letters in a desire to settle this matter privately with FEDLOAN SERVICES. FEDLOAN SERVICES are failed to provide any valid proof ( under pains of penalty of perjury ) that Consumer owes the alleged debt. FEDLOAN SERVICES have violated the rights of the consumer by : 1. Requesting a fee that is allegedly owed from the Original Creditor and acting as if they are creditor. FEDLOAN SERVICING has produced no contract proving that the consumer is indebted. Furthermore, pursuant to Truth in Lending Act, consumer is only responsible for finance charge, and that charge called a loan fee by U.S. Department of Education was subtracted upon disbursement and is in violation of 15 USC 1692 f ( 1 ) 2. FEDLOAN SERVICING failed to respond to the request of debt validation, failed to provide name and address of original creditor ( as defined by Federal Law ) to confirm debt, a violation of 15 USC 1692g ( 4 ) and g ( 5 ). ( See exhibit 1 ) 3. FEDLOAN SERVICING is reporting to the consumers credit profile without express written permission to report any information violating 15 USC 1692c ( b ) ( See exhibit 2 ) 4. FEDLOAN SERVICING is furnishing false and misleading forms indicating that the consumer is a borrower and not the creditor. Definition of borrow does not exist in 15 USC 1692a and is a false and misleading term which is violating 15 USC 1692 j ( a ). ( see exhibit 3 ) 5. FEDLOAN SERVICING did not disclose that the name FEDLOAN SERVICING is a DBA, and its true company name is XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1692e ( 14 ) ( see exhibit 4 ) 6. FEDLOAN SERVICING failed to provide the consumer upon his request for a true bill of all accounting on alleged debt as required by 15 USC 1666 ( reference exhibit 1 ) 7. FEDLOAN SERVICING failed to provide a three ( 3 ) day right of rescission to the consumer/original creditor pursuant to the Truth and Lending Act and 15 USC 1635a 8. FEDLOAN SERVICING utilized a form to give perception that they are affiliated, linked, or bonded with the U.S Department of Education violating 15 USC 1692 e ( 1 ) and e ( 10 ). ( see exhibit 5 and reference exhibit 3 ) 9. FEDLOAN SERVICING represents the alleged debt in positive figures, which cant be a debt and is false and misleading violating 15 USC 1692 e ( 2 ) ( a ) ( see exhibit 6 ) 10. FEDLOAN SERVICING was contacted with a termination/rescission letter for failure to respond and not providing full disclosure dated XX/XX/XXXX ( see exhibit 7 ) 11. FEDLOAN validates receipt of letter dated XX/XX/XXXX however did not comply with returning original security instrument or funds obtained from security instrument violating 15 USC 1635 b. ( reference exhibit 5 ).
Consumer complaint received 2021-08-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION (SC)

I went into a consumer credit transaction with this company meaning that this company used my credit card ( 15 USC 1602 ). By this company using my credit card means I extended them credit making me the original creditor and was supposed to be charged just the finance charge. Some reason this company has sold this account and have another company with my personal information send me mail saying that I am in debt with them. I have been attempting to resolve this issue with this company any the consumer reporting agencies but that hasn't worked either, they are continuing to report this debt to agency that I don't owe. It is ruining my reputation and putting me and my family in a financial hardship I have sent a letter to them and told them to cease all communication with me about this debt and clear the balance.
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TCF NATIONAL BANK (IL)

I have TCF checking account. The problem with it is twofold : ( A ) ATM Debit transactions are not posted on everyday bases. Instead, multiple transactions are grouped in clusters and posted every other day, or even, every third day. 

In such way, it is very inconvenient, almost impossible, for customers to balance account and monitor for potential fraudulent transactions. 

( B ) Multiple venders have exactly the same ATM / Debit Terminal / Authorization number. 

For example, XXXX store and XXXX XXXX store have exactly the same Terminal / Authorization number : XXXX. That is so regardless of the fact that both vendors are located approximately two miles apart from each other. 

I find that to be illogical from accounting point of view and thus confusing.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank XXXX is the credit card, that someone is trying to start-up in my name and information. I have received 2 letters of someone trying to open up an account, there is no phone number call about this matter, I have read on-line that this is happen to a lot of other people. Can you please advise me on this issue.
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (GA)

On XX/XX/XXXX of this year, I filed a dispute on a transaction where I was scammed for {$250.00}. I had went to purchase a pair of sneakers from a verified account on XXXX only to be blocked and denied a refund. I informed my Chime about this and also provided picture evidence of all of this. I was told it would take no longer than 90 days to complete a full investigation, which gave me a decision date of XX/XX/XXXX. I waited the full 90 day period, all the while checking in every month to see the status of my complaint. Come XX/XX/XXXX I received no communication and when I called in they said I would have to wait 3 business days to receive a decision. This happened 2 or 3 more times after that. Between the uninformed and redundant support staff and what seems like a very inexperienced investigation team I was denied after showing proof that a scam had been run and I had never received my items. Then in order to appeal they wanted to make me wait 10 more days to receive information they used in the investigation ; as well as up to 30 days more for the investigation to be run again.
Consumer complaint received 2021-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (SC)

I tried to request a credit card through American Express as a natural born living consumer. American Express only had one option as far as a form to fill out to request the credit card. They had an application for a credit card that involved me being forced to click a consent button in order to try to receive a credit card through American Express. The consent button that American Express forces their consumers to click, forces the consumer to give American Express to look at non public information of the consumer. Also pursuant to 15 usc 13, a corporation is not to deny or deprive consumers of like commodities or services. Therefore, American Express is discriminating against me as a consumer. If American Express approves certain consumers due to a decision based from nonpublic information then they should lawfully approve every consumer. Im in fact a consumer, a natural living person, and not a citizen. Im in a sovereign XXXX XXXX XXXX. Not only are my consumer rights being violated but my religious beliefs are as well. My consumer rights and my religious beliefs both state that I am in fact the Original Creditor of any and all consumer credit transactions. The constitution also states in Article 1, Section 10, clause 1, that there is NO LAWFUL money in circulation. There is only credit due to lawful money ( gold ) being confiscated by the US corporation. So American Express is denying me credit thats due to me. If there is no lawful money then i cant pay on a debt. Pursuant to 18 usc 8, all debts are obligations of the United States. I also have 2 recorded phone calls that are too big to be attachments on this site but i do have handy.
Consumer complaint received 2021-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account is not mine and not related to me. I am victim of identity theft and I do not want to be any longer in a position where I have all these issues in my report. Please remove this account
Consumer complaint received 2021-07-27
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: EQUIFAX, INC. (PA)

I am a victim of identity theft through a data breach. As your company knows a data breach has effected a lot of people in their lives in a negative way. My life has been turned upside down because of it. I have fraudulent inquires that can't stay on my report and must be blocked and removed according to the FCRA you have 4 days within receipt of this to get it off my report. As you know me being a victim of data breach has made me vulnerable. Im in the process of buying a house for my XXXX  he's a XXXX  man and needs a place to be where he can heal and get better. Family is everything to me and I hope it is to you. As a consumer protect me and remove this as soon as possible because I have to buy a house and it is stopping me from helping my XXXX. I have attached the FTC report with the names and dates the fraud took place, also a picture of my ID and proof address. 

XXXX Bless You.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have a vehicle loan with Fifth Third Bank that back on XX/XX/XXXX when the Covid 19 I happens I lose my job and called the bank to request request them a deferred on my monthly payments for two months. They sent me a letter offering me up to five months of this deferred payments and I did not accepted them. ( Please find attached this letter XXXX When I got my job back after these two months I brought my account current. ( Please find attached the proof of this payment ) After this payment of this two months I have been paying my account every month on time. After one year I noticed on my credit report in XXXX of XXXX that they had report a late payment of XX/XX/XXXX, so I call the bank and asked them why reported me with a late payment when all I had with them was a forbearance of only two months and I had paid after two months the total amount. They did not want to fix this. Now I find out that they report me again with another late payment of four months. This has been a nightmare with this bank, they don't really care about the customers credit report, They have ruined my credit history, even I have send many letters and made many phone calls to then trying to correct this information. 
I need help because they are ruining my credit history with this wrong reporting of my payment history. 

Thank you.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (UT)

I had a city XXXX XXXX card and although I was set up on auto pay they very commonly did not run my payment on time and would charge me {$29.00} late fees. Because of this repeatedly happening I canceled and closed the card. I had a balance on it I was paying off. On XX/XX/XXXX I made the final payment of {$1600.00} and paid off the card. Yesterday XX/XX/XXXX I received an email from them telling me that my payment was late. I logged into my closed Citi account and found that I was charged {$9.00} interest. On my XXXX balance. I called them and I was told by a very abusive foreign man that if I did not pay this {$9.00} that they were going to continuously mark me late and that they were going to trash my credit. Again I was charged interest on a XXXX balance on a closed account. An account that I closed because they repeatedly fraudulently charged me late fees when I was on auto pay.
Consumer complaint received 2021-07-27
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 (FL)

I prepaid for a car rental on the XXXX website. When i arrived at the XXXX store to pickup the representative stated that they did not accept reservations that have paypal cards. She said she would have to create a new one which i paid with my XXXX XXXX card and that i would need to contact customer service and they would refund the original charge. I have now contacted the customer service line 4 times and requested a supervisor. They have not refunded my charges so i have been charged now twice for this car rental. Each time i spoke to them they stated they are submitting the refund and i would receive it within 7-10 days. To this day i only received a credit for one day that i added on. They provided me two refund confirmation numbers XXXX and then the next call they gave me XXXX. I have also reached out via social media. If it's not resolved I will open a complaint with the CFPB. I have attached the final receipt paid with XXXX card and initial reservation. Paypal has not accepted any of the 4 attempts to submit a dispute online. The website says there is an error and i am unable to reach anyone. 
This charge was on XX/XX/XXXX for {$330.00}
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2021-08-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (TN)

I applied for auto financing with XXXX XXXX in XXXX, Tn with my Credit Card pursuant to ( 15 USC 1602 ( I ) ). XXXX XXXX sent the application to XXXX  XXXX XXXX.. XXXX XXXX XXXX  denied me Credit. To my understanding Credit  is a " Right '' not a privilege. XXXX  XXXX  XXXX   has violated my right to extend credit under ( 15 USC 1602 ( g ) ) and ( 15 USC 1681 ) TILA.
Consumer complaint received 2019-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (SC)

I just pulled my XXXX  credit report found that XXXX XXXX had put a mysterious amount on credit. I have paid them everything I needed to pay all months and on time due me being on auto-pay. My free cancellation due to move outside of building radius of 40miles doesnt seem to be free after all. I moved to a whole different city with no XXXX In sight. I spoke with customer service over the phone in XX/XX/2017 and everyone seemed to be genuine. Im looking for a resolution to this as soon as possible.
Consumer complaint received 2019-03-03
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: EQUIFAX, INC. (GA)

Since XX/XX/XXXX, I have been disputing this XXXX XXXX XXXX  for this Medical Bill from XXXX Hospital on my Equifax Credit Report, and Equifax always came back with account verified. I also disputed this in XXXX and today XX/XX/XXXX this account came back verified. I am baffled because I provided documentation to Equifax that shows that I do not owe this account. Furthermore, I had file a complaint to CFBP concerning this account and I received response along with a letter from this creditor that states that they sent the information to have this account deleted from all credit bureau agencies. I received confirmation that this account was deleted except from Equifax that came back today with the results of my investigation that says this account was verified. I am frustrated with the incompetence of the ones that works in the dispute department at Equifax because they are not doing there job accurately and efficiently. Please delete this incorrect information for the thousands times off my credit report.
Consumer complaint received 2023-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2021-08-11
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. (NV)

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Consumer complaint received 2021-08-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX i sent a mail to the XXXX, XXXX  and transunion regarding identity theft and still have not receive a response yet. Its been over 45 days. I recently check my credit from XXXX and i notice the fraudulent accounts are still on my credit report. I dont normal check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web. Also, i was affected by the XXXX  breach that happen a few years ago. When i contact the 3 credit bureaus again, i was told to get an FTC report. I have attached my ftc report with my drivers license and social
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

On XX/XX/XXXX in early afternoon ; I deposited a check in the amount of {$470.00} at the atm drive through at PNC Bank on XXXX XXXX XXXX XXXX XXXX, Pa XXXX. 
The atm glitch screen when blank took the check, I hit cancel traction it kept my check and showed on my receipt it deposit check! I went to drive through window spoke to the teller on what had transpired. She asked if I could come which I couldnt due to me on my way to work and didnt get off til after the bank closes. She than suggested I call customer service to handle the problem which I did immediately. The customer service rep credited my account with the funds. A months and half later I get a letter in the mail stating they were deducting {$50.00} due to the amount of the check and the letter also stated I could request proof of documentation of how they determined that amount. So I called them explain everything again & ask for prof of documentation and copy of the actual check. I was 4 different times by several different reps on different calls they couldnt find the check or provide proof of how they determine that amount. I needed to provide proof of the check, I said how if the atm took it before I could even get a copy of the image of the check! I than went to the person who actually wrote the check out to me she went to the bank on XXXX XXXX personally it was denied access to any copy of her cleared written checks for that month! Claimed they do not provide that service she than closed her account which she has been a customer their since 12 years of age. I than went to my local bank in XXXX Pa explain everything ; a request was put in for a rep to call me and I received an email from a XXXX XXXX executive client relations that I would need proof of the check! Exact same runaround but they refused to give proof of the check or documentation on how they came up with that amount!! This so unfair & unlawful practices on their part. I want my money back in my account & apology!