davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
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. (NY)

XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance Companies - non specific Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX XXXX Important dates Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Tenant Screeners ( Reseller ) Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX BELOW IS A LIST OF INACCURATE ADDRESSES ON MY CREDIT REPORT THAT MUST BE REMOVED ALSO DUE TO IDENTITY THEFT!!!!!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in XXXX! 
Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc (PA)

I have chime banking and I had a scammer ( unknowingly at the time ) tell me that I can get XXXX in bitcoin if I make a deposit of XXXX . I was fishy about this and asked how trustworthy is this company which is XXXX XXXX XXXX. 
They have a chat app and I communicated with them through the chat box. They told me the company is trustworthy and I decided to give the company a try buy adding the XXXX to my account and I was told prior to making the XXXX $ that its only a one time fee. Unfortunately after making the fee, I was told to make another XXXX $ fee which didnt make sense because I was told it would be just 1 fee of XXXX XXXX I automatically knew it was a scam and decided to ask for a refund and the company told me no. I reported it to my chime bank and they did nothing to help me.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (SC)

I am writing this here with XXXX XXXX XXXX on his behalf. XXXX XXXX was recently released from a period of incarceration. Early in his incarceration, he sent a letter to NetSpend dated XX/XX/XXXX alerting the company that his debit card was released to a third party with the rest of his belongings and asked for the card to be blocked, as it was compromised. In a letter dated XX/XX/XXXX, NetSpend told XXXX XXXX that his request had been received and that his card was blocked until such a time as he reinstated the account. XXXX XXXX did not grant any person a Power of Attorney to interact with NetSpend and reactivate the card. 

Upon XXXX XXXX XXXX, he attempted to reinstate his card and access the funds. The day after his release, XX/XX/XXXX, XXXX XXXX became aware of {$5000.00} in charges made between XX/XX/XXXX and early XXXX of XXXX. 

Furthermore, NetSpend has confirmed XXXX XXXX had {$5600.00} after the fraudulent charges had been deducted from XXXX XXXX account and has told him several times a check has been distributed to his address. However, when the check does not arrive, XXXX XXXX contacts NetSpend again and they tell him no check was ever sent. They have been holding that they need proof of residency in the form of a utility bill. XXXX XXXX is recently released from prison and does not have an address of his own where he pays utilities in his name. He has provided letters from the SSA, from our office at Legal Services, and from his other bank stating his current address at a friend 's house and our office at Legal Services has offered to receive the check and/or send in a notarized statement from XXXX XXXX authorizing that, but NetSpend will not disburse the check without a utility bill despite offers of many other alternatives and will not release their policy about proof of residency -- which seems patently unreasonable given the number of underbanked clients they have and clients in similar situations without utilities in their own names. 

NetSpend will not allow XXXX XXXX to authorize me to talk to them on his behalf and will not allow XXXX XXXX to talk to them with me on speakerphone in the same room despite XXXX XXXX 's express desire his attorney be aware of NetSpend 's position. XXXX XXXX and I have called NetSpend diligently, including 5 hours on Thursday, and we are repeatedly hung up on or placed on hold until the line disconnects. There is no person we have been able to speak to who is authorized to solve the problem, and NetSpend has said they will contact corporate to reach out in the next 48 hours. However, corporate never reaches out and they can not be contacted directly.
Consumer complaint received 2022-05-31
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: EQUIFAX, INC. (FL)

On Friday XXXX XXXX, 2022, I reviewed my credit report with Equifax Credit Bureau and discovered a HARD credit inquiry on my regarding my XXXX, XXXX XXXX account . I spoke with XXXX XXXX customer service and apparently someone logged in ONLINE and created a hard inquiry on my report. This has been reported as FRAUD on the account. However, I want the HARD Inquiry removed immediately as I am in the process of buying a home and this negatively impacted my credit score.
Consumer complaint received 2018-09-28
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. (FL)

I am a victim of identity theft and I have been a victim for years. 
I have mailed all the requested documentation - an Identity Theft Report along with a signed and notarized affidavit, a copy of my driver 's license and a copy of my police report with police officer contact information and badge number. 
I requested the fraudulent accounts to be blocked out of my credit report as permissible by law. 
According to USPS tracking number XXXX I have mailed it all on XX/XX/2018, Experian received it on XX/XX/2018, processed it on XX/XX/2018, investigating the items instead of blocking them with no further explanation. The results of their investigation did not remove nor block any of the fraudulent accounts reported but 2 fraudulent accounts. 
XXXX has already blocked the fraudulent accounts off my credit report.
Consumer complaint received 2022-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BHFC Financial Services INC (CO)

I was incarcerated when the accounts that are showing on my credit report were open I was in the XXXX and I have sent this documentation to all the creditors and still nothing has been removed, I cant open any type of accounts while incarcerated.
Consumer complaint received 2018-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

Currently, my IBR request has been in one process or another since XX/XX/XXXX ; usually the process is " HOLD '' while the interest and the pay-off date on my loan gets higher and higher. Even since this servicer has had my loan, I have had issues. Every time I call in or get a message, it says I am on the wrong plan for IBR or I could be making a lower payment. I also had someone suggest I apply for XXXX Loan Forgiveness, which I am not eligible for, and further delayed payments. In XXXX, they had me paying three different payments and then it has really been a mess since I went back to school from XXXX. I wanted to keep paying while in school, but they placed in forbearance and basically wouldn't let me. Ever since I have came out, it is either the wrong payment, not a XXXX qualifying payment, on hold, in processing, or past due because of their inept practices. 
I just want to pay my loan. 
In XXXX, I received correspondence saying I was on the wrong type of plan for XXXX. I applied for IBR and paid the {$5.00} she said to expect in XXXX. My XXXX was denied because of incomplete info although there was proof I had uploaded it. They told me to reapply. I think the reapply started the entire process over and then I believe I finally got what I believe was the correct payment of {$400.00} in XXXX and a bill for {$5.00}, paid it once, and then it inexplicably went to the standard payment plan amount of {$1100.00}, which they tell me not to pay because it won't qualify ( I also can't afford that ). I have talked to at least three people who said they are sending it to review and don't know what's going on. I NEED HELP PLEASE. I am begging. I will attach details. Everyone I talk to says they will take care of it, but it never happens. Please review my attachments for evidence.
Consumer complaint received 2022-12-19
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. (GA)

I sent a letter on XXXX XXXX XXXX, requesting to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; that are UNKNOWN to me. I came across this law and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after the December 3, 2022. Ive already included this in my previous Complaints & I am including it again. Please comply with the law and have the disputed items removed as soon as possible.
Consumer complaint received 2022-05-31
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. (IN)

XXXX XXXX XXXX in the amount of {$310.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$430.00} don't belong to me please remove from my credit report XXXX XXXX XXXX  in the amount of {$510.00} don't belong to me please remove from my credit report
Consumer complaint received 2022-05-31
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. (IN)

XXXX XXXX XXXX  in the amount of {$310.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$430.00} don't belong to me please remove from my credit report XXXX XXXX XXXX in the amount of {$510.00} don't belong to me please remove from my credit report
Consumer complaint received 2022-06-20
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: EQUIFAX, INC. (TX)

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

15 USC 1681 Section 602 States I have the right privacy.

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

15 USC 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 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Neon Newco Corporation (WI)

I loaded {$200.00} or {$300.00} onto a Netspend card at XXXX in XXXX of XXXX. ( I do not have the receipt any longer and the card was misplaced until I found it last week. I talked to two different representatives yesterday and neither would tell me the exact amount that I loaded. ) I went online to activate the card and start using it yesterday. I received a message that I had to call an XXXX number. The first representative did not provide me with adequate service, telling me that the card was " expired ''. You will see on the card that it has an exp date of XX/XX/XXXX. So I asked for a XXXX. That individual told me that the balance was {$86.00}. I have not used the card for ANY purchases. He promised to " see what we could do '' and put me on hold. After ten or so minutes, I went back into the queue. I called back and was told that it was a temporary card. Nowhere on this card, or in the fine print does it indicate that it is a temporary card. This lady tells me that a new card can be issued for the {$86.00} balance, and proceeds to ask me personal identifying information. I never submitted my name when I purchased ( put money on the card ). I told her that I was uncomfortable with providing this information. She mentioned the XXXX XXXX... I went ahead with it because this is MY MONEY. They stole the balance of my money. I understand a small administrative fee for transactions, but I did not make any purchases.
Consumer complaint received 2020-07-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

ON XX/XX/2020 I ordered a bike from XXXX XXXX XXXX through PayPal. After I ordered it I saw online that this company was a scam. I contacted PayPal to cancel the order and stop the payment. They denied my claim because they received what was a bogus tracking number. I told them this and that the phone number on the invoice was also bogus but so far they will not refund my money. XXXX  XXXX XXXX said they couldn't help because it went through my checking account directly. This is the info the company provided. 

XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL (LA)

Received an email from Synchrony financial about an Amazon credit builder card application that i did not apply for. Amazon claims it was an error sent to all accounts but i only received this email on my secondary email account and not the account actually attached to my amazon account. I can not find a working phone number to Synchrony, Ive called 5 different phone numbers and when i get put on hold for an agent it tells me it can not complete the call and hangs up. I just want to ensure it IS a glitch and not someone stealing my information.
Consumer complaint received 2022-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc. (MI)

Card was mailed on XX/XX/2022. As of XX/XX/2022, I had not received card. I called and spoke with a rep who advised of a reissue. It is now XX/XX/XXXX, and I have still not received a replacement card. I now have a statement with a {$39.00} fee due, that they will not waive, although I have no active account. Only resolution I am receiving is to be issued another card with a 10-15 day wait. I am being told the reissue can not be expedited. This is absolutely unacceptable and a poor way to begin business with the organization. How am I responsible for paying fees on a card that I have never received nor activated? I feel like I am being scammed
Consumer complaint received 2022-05-12
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: EQUIFAX, INC. (VA)

In accordance with the Fair Credit Reporting act : Account Name : US DEPT ED Account Number : 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 an account without my written instructions.
Consumer complaint received 2018-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (WI)

Unsolicited credit card was sent to me in XX/XX/XXXX from Citibank with my name on it. I called Citibank and told them it was not mine and I never applied for it. I told them to cancel it. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying a debt from that card was referred to them in the amount of {$2200.00}. I called them and talked to a XXXX XXXX. He gave me a SS # that was not mine and I told him the last 4 digits of mine. I sent them a letter disavowing that this was my debt. 

I contacted XXXX credit bureau because I checked my credit report and it showed up there. They did an investigation and deleted it from my credit report. 

On XX/XX/XXXX I received a letter from XXXX XXXX saying they did an investigation and said I owed the previous amount. They then sent me another letter on XX/XX/XXXX because I had moved. I talked to a person named XXXX. Again we went over the SS # that they had and again it was not mine. I faxed her information that would verify that I was who she was talking to. Again I sent them a letter disavowing the debt and told them about XXXX investigating my complaint. 

On XX/XX/XXXX I received a letter from XXXX XXXX, again saying I owed the same debt and offered to settle for {$1100.00}. Again I sent them a letter disavowing the debt. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX saying the referenced account was placed with them for collection. Again I have sent them a letter disavowing the debt. 

At this time I now think that this is harassment and would like it to stop. I have a very good credit rating. I recently bought a condo and my credit  score was XXXX.
Consumer complaint received 2021-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Army and Air Force Exchange Service (TX)

On XX/XX/2020, I came back from XXXX after doing some grocery shopping and randomly decided to scroll through my credit accounts to see what debts I had to pay off. I went to my Military Star Card account, logged in, and to my astonishment, I found all of these alarming charges that I didn't made. Overall, the charges amounted to {$3300.00} and till this day, nothing has been done to reimburse these charges and to reinstate my account to its previous state. I was sent an email from ECP Fraud Department stating that I am being held for these charges due to the police report being " blacked out '' to protect the PII of the suspect that have committed this crime. It is now XX/XX/XXXX, 8 months after the fact and yet nothing hasn't been done to resolve this issue. I need help to get this situation resolved. Thank you for understanding my predicament.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (TX)

I requested a credit freeze on my account and the company will not acknowledge my request. I have sent certified mail and I have not received any notifications from this company. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX  XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-12-19
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. (GA)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX/XXXX/XXXX