davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-28
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. (TX)

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.
Consumer complaint received 2023-05-21
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (CA)

On XX/XX/23 I went into XXXX XXXX  in XXXX XXXX XXXX XXXXXXXX CA XXXXXXXX. This company is aware that I'm a XXXX veteran scamming me, and committed fraud. They opened a fraudulent account under a name that is Not mine. Promised to provide me with a proof of authenticity certificate for a ring guard. 
They promised to provide me with a proof of authenticity ( gold/diamond ) jewelry - it never materialized. I have No proof that said jewelry is real. I reached out to both locations - ring needed sizing. I was instructed that their sister company XXXX XXXX would size and give me proof of authenticity. They ( XXXX ) stated I'd receive proof in the mail. Nothing ever received but the Iddeal Card with a fake last name XXXX. I reached out to both phone numbers phones disconnected, no forwarding phone number. I am constantly getting harassed to pay for a piece of junk that I have No Proof of being real. Also the widening of guard did not last. I have No proof of gold or diamond ring as told to me. 
I have disputed with the credit card company. I recently received a copy telling me All Sales Final - No Refunds. The letter that I was given " If Any purchase Is Not Satifactory, it will be subject to provider 's refund policy. This company has No integrity and is a fraud. I am seeking assistance ASAP in this matter with this company that has conned me and is harassing me by tarnishing my credit.
Consumer complaint received 2017-04-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I have made numerous calls to Navient about lowering my monthly payment. I was told I could not lower my payment to less than {$90.00} because I make too much money. I agreed to pay {$90.00} under a income sensitive program. I turned in all paperwork to navient to enter the payment program. I then receive a letter in the mail saying my new monthly payment is {$100.00}. I did not agree to this. I was also told that my first payment of {$90.00} was due on XX/XX/XXXX. When I log on to the website it says my payment is {$210.00} and I owe {$98.00} in late fees?? I was totally lied to. 
My account was also put into forbearance which I did not ask for. The payments I missed during the forbearance are now on my credit report.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (UT)

I filed a dispute with Chime bank for two transactions. One transaction on XX/XX/XXXX for {$8.00} and another for a transaction on XX/XX/XXXX for {$1100.00}. I filed both transactions at the same time advising chime that the transactions were not me and they were fraudulent as my wallet was stolen at a concert. Chime accepted the transaction on XX/XX/XXXX acknowledging it was fraud and refunded me the {$8.00}. To my surprise the transaction on XX/XX/XXXX for {$1100.00} was denied almost immediately. I asked them why the transaction on the XXXX was fraud and not the one on the XXXX as of course if my card was compromised on the XXXX, why would it not be on the XXXX. They gave no explanation as to why they approved the one for {$8.00} and not the one for {$1100.00}. They gave me the option to file a rebuttal, so I did. In the rebuttal I even provided a police report I filed with my local police department saying my wallet was stolen and unauthorized charges. They denied it almost immediately again. Frustrated I am missing {$1100.00} which was my rent money I reached out. They said I could file a rebuttal again. I did so, and again next day denied. The quickness they denied the claim for {$1100.00} makes it seem like there was not even an investigation. Fed up, I closed my account, still missing {$1100.00} I trusted putting into the account. With that I had to get loans to pay my rent, and they made a final decision of not investigating my dispute. Highly upset. They advised me that they would send me over documentation that would show why they made the decision they made in 10 business days. A month later still no documents showing why they made the decision they made
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

I would like these inquires removed from my report. 
XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-28
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: Bread Financial Holdings, Inc. (FL)

On multiple ocasions my XXXX and I have contact the XXXX XXXX XXXX XXXX  about the on going issue were we purchased an item and return it yet we have not recieved a credit. We are looking for resolve and hoping someone can help us in this matter.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc (AL)

Starting XX/XX/2021 my acct was hacked and made to appear as if I transferred money to my self via cash app started off adding XXXX then XXXX dollars then dstarted to deduct In small denominations as low as XXXX dollars and then up to XXXX and eventually XXXX dollars. INEVER RECIEVED THE MONEY ON MY CASH APP!!! 
I PROVIDED CHIME WITH MULTIPLE PAGES OF EVIDENCE WHERE MY PERSONAL BANK ACCT WAS HIT THE SAME WAY, CASH APP HAVING NO RECORD OD SAID TRANSFERS AND EVERYTIM THE DISMISSED THE {$410.00} DISPUTE TWO TIME WITHIN HOURS AS IF THEY DIDNT EVEN BAT AN EYE AT IT. 
PLEASE HELP ... IM ON FIXED INCOME AND XXXX MIGHT NOT BE MUCH TO MOST OR CHIME BUT IT IS TO ME THANK YOU ... XXXX XXXX XXXX
Consumer complaint received 2015-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pinnacle Credit Services, LLC (FL)

Pinnacle credit services is bought s debt from XXXX XXXX that they claim I owe. the claim I owe over {$1900.00}. I have disputed this with PCS and the XXXX major credit bureaus ; however, I do n't think anyone is trying to verify disputed information. Pinnacle is updating each month to all XXXX credit bureaus. I also contact XXXX XXXX and according to them, I do not owe them. XXXX also opened a new account with them and they are my current cellphone XXXX. I think these charges XXXX is stating I owe are bogus ; therefore, these negative marks should be removed from all XXXX credit bureaus.
Consumer complaint received 2023-06-28
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. (PA)

In accordance with the fair credit Reporting act XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balance : {$340.00} and XXXX  XXXX XXXX Balance : {$520.00}.
Consumer complaint received 2017-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Protection Association, L.P. (CA)

Credit Protection Association has sent a bill they " bought off XXXX '' for a debt from XX/XX/2017 I 've never had XXXX at the address listed and have n't lived there for over nine years. The account number listed is not only not mine, XXXX informed me it 's not anyone 's. Furthermore the " several attempts to contact me '' are two letters. One to notify me initially and the other inform me that my debt was being reported to the credit bureaus. Suspicious because the final notice is dated two weeks before the initial notification. CPA has reported " debt '' to the bureaus.
Consumer complaint received 2023-06-28
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. (TX)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protection consumer rights to privacy and confidentiality under the 15 U.S.C. 1681. 
Account # XXXX XXXX XXXX XXXX ) 15 U.S.C 1681 section 602A, states I have the right to privacy 2 ) 15 U.S.C 1681 section 604A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.

3 ) 15 U.S.C 1681c. ( a ) ( 5 ) section states ; no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than several years.

4 ) 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-27
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2017-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Credit & Finance, Inc. (NY)

This company is calling and harassing me on my personal cell and calling my work, which is explicitly prohibited by The Fair Credit Reporting Act. He mentioned some credit card I had never heard of. Furthermore, they have no standing to contact me about a debt, they also have not verified what debt they claim I owe. I want them to seize all communication and drop this frivolous collection attempt.
Consumer complaint received 2017-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

I have accrued extra interest during unnecessary forbearance due to customer service emailing me that as my only option during the period I was not in school. They were not willing to work with me for other repayment options. They also called my phone and family members phone repeatedly after being asked not to call and using an automated dialer to make the calls and leave voice mails.
Consumer complaint received 2021-11-24
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (CA)

Citibank/Best Buy billed my personal checking account for an unauthorized amount of {$5400.00} on XX/XX/ 2021 and has yet to return my funds. 

On XX/XX/2021, there was fraud on my Best Buy credit card. I was immediately notified by Best Buy, I denied the charges and I was told they'd be closing out my account and issue me a new credit card. 

On XXXX XXXX, 2021, I realized that in the process of closing out my credit card, they inadvertently charged the payment information I had on file the FULL balance of the credit card ( {$5400.00} ). I also realized that the fraudulent charges I had been contacted about had been re-billed- twice! 

On XXXX XXXX, 2021 I called Citibank/Best Buy, I was informed this was probably done by fraud and that I'd need to speak with the Security department XXXX please keep in mind it was done on the same day Citibank/Best Buy closed out the account. After speaking with the security department, they immediately removed the fraudulent charges ( again that they had re-billed twice after initially removing the charges ). With regards to charging my checking account the full balance of the account, they informed me my best course-of-action was to contact my personal bank ( XXXX XXXX ) to recall the payment. XXXX XXXX recalled the payment on XXXX XXXX, 2021 ( not sure why there was a 10-daXXXX delay ) and I've yet to receive the money back from Citibank/Best Buy . 

On XX/XX/2021, I called Citibank/Best Buy again. The supervisor requested my checking account number and routing number to process the return of funds. He informed me there was error, but was unable to tell me what the error was regarding and that I'd receive communication in 3-5 days. 

I don't understand how a bank can process an UNAUTHORIZED payment on my personal account and refuse to give me my money back in a timely manner. This is money I need to pay my bills.
Consumer complaint received 2021-11-24
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: I.C. System, Inc. (GA)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any updates at all.
Consumer complaint received 2023-06-27
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: Experian Information Solutions Inc. (NV)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (KY)

I went to the ATM at the PNC branch on Monday XX/XX/2023. Around XXXX and pulled into the atm to cash my pay check like I normally do. My state cleaning job doesnt offer direct deposit! I wish! Im only paid once a month. Well the atm ATE MY CHECK! The screen froze and it spit my debit card out. I immediately went inside the branch which is PNC in XXXX, KY. I told the lady what happened after 30 minutes of her trying to get me some help I was told it could be TWO WEEKS OR LONGER before I could receive my funds!!! RIDICULOUS! I have bills due NOW! My electric will be shut off my internet my phone my kids need to eat!!! I told the lady the same and asked how will my kids eat and all she could say was she apologized and there was nothing else they could do! Ive called the XXXX number with lies saying my account could be credited within XXXX hours now today they tell me NOPE itll be TWO WEEKS or longer after they investigate!!! I mean Im ON CAMERA OBVIOUSLY DEPOSITING MY CHECK!! I need my funds NOW! I cant even drive to work without gas!!!!!!!!!!! They shouldve at least credited my account with some sort of advancement but NOPE! This is unfair treatment! And I will be switching after this! How dare they tell me I cant have my money when their machine failed to work correctly! I AM LIVID AND MY KIDS ARE HUNGRY! So what do I do? This must be why people do criminal things! I just want whats MINE! Please please please help me!
Consumer complaint received 2015-04-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (PA)

My mortgage was purchased by Ocwen in XX/XX/XXXX during a Short sell. Ocwen was taking so long to agree to the terms the buyer changed her mind. We had other buyers but no agreement was ever made. It is now XX/XX/XXXX and since then my property has been vandalized and all of the plumbing was stolen. I have asked them to foreclose or allow us to give the home in Lieu of foreclosure. Ocwen had declined both. I just want closure I have tried to short sell the home but unable to.
Consumer complaint received 2023-06-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NJ)

I was contacted by a debt collector who misrepresented the amount of the debt and negotiated a settlement based upon this false amount. I paid a negotiated sum to discharge the debt and then was contacted by the originator of the loan and informed that prior to the negotiated settlement date the full amount of the debt had already been forgiven. 

I attended XXXX University XXXX
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (LA)

This account with XXXX XXXX XXXXComenity Bank  , a department store credit account. The store closed and there was no forwarding information regarding the last of the bill I paid in full. While checking my credit report, I see that they added this to my credit report and I paid this in full.