davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-23
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: Navient Solutions, LLC. (GA)

I have a total permanent XXXX and my student loans have been discharged. 

I am having trouble getting the student loans ( 2 ) that I am a co-signer on deleted from my credit report. NAVIENT XXXX BAL . {$15000.00} and NAVIENT XXXX BAL : {$3300.00} On all 3 credit bureaus.

I don't understand how these accounts can remain on my credit report when my own student loans have been discharged. There has to be a way to delete these items.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for this is fraudulent. Fraudulent Account : XXXX XXXX XXXXXXXX XX/XX/2018 {$700.00}.
Consumer complaint received 2022-02-17
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, XXXX XXXX XXXX, was denied an extension of credit by American Express for the XXXX time in the last 3 months and I understand that " credit '' is the right granted pursuant 15 USC 1601 ( f ) and I am the " creditor '' pursuant 15 USC 1601 ( g ). When I applied for a XXXX Credit Card and when I went for a limit increase back in XX/XX/XXXX. In good faith I exercised my right to credit in which I intended for my personal, family and household use and was discriminated against pursuant to 15 USC 1691a ( 3 ). I understand that no personal information shall be taken for public use without equal and or just compensation pursuant to the US Constitution. entered into a consumer credit transaction with American Express by submitting an application which became an asset when I entered my name, address, phone number, email and social security number which secured an account in which I received No Benefit. Since I received No Benefit pursuant to 15 USC 1602p this is an unauthorized use of the consumers social security number/credit card pursuant to 15 USC 1602l . I have enclosed a copy of the adverse action letter which evidences unfair, deceptive and abusive practices pursuant to 12 USC 5531 in which I have highlighted. 

Since the letter you sent me on XX/XX/XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. I demand that American Express resort to reasonable procedures to rectify this affair and compensate me for the use of my personal information along with my social security number and all the proceeds it generated in the application/asset. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. Silence is Acquiescence, Agreement and Dishonor.
Consumer complaint received 2021-06-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Pursuant to FCRA 15 U.S. Code 1681i, I am requesting that ChexSystems not furnish any information about me concerning my credit file. I believe the information for XXXX XXXX XXXX Account Number XXXX XXXX XXXX is a result of identity theft ; thus, please stop reporting information about me to consumer reporting agencies. 

Please be advised that I am a victim of identity theft. My wallet has been stolen on several occasions and my information has been leaked in a data breach. Following these events, someone used my name, Social Security number, date of birth, and other identifying information, without my authority, to commit fraud on behalf of XXXX XXXX XXXX, Account Number XXXX XXXX XXXX. 

As has been noted, an investigation is supposed to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. During my previous dispute process, Chex Systems did NOT conduct a meaningful examination of the underlying facts, which is a mere violation of the Fair Credit Reporting Act. Chex Systems employees are no more than data entry clerks in the dispute and investigation process. Chex Systems did NOT properly review any documents, research facts, or interview any witnesses, such as family, associates and/or neighbors. 

I am requesting that all information about me and my accounts remain private. I want my name, address and credit data excluded from your marketing lists. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions. 

I have been receiving harassing phone calls from some debt collectors. All of the debt collection agencies are committing actions that are prohibited by law. It is my understanding that debt collectors may not harass, oppress or abuse debtors or any third parties they contact. I have also been threatened to be taken to court if I do not pay these debts. These phone calls are completely oppressive, harassing, and burdensome. 

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX.
Consumer complaint received 2022-09-26
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)

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 XXXX5 USC 1681. 
I XXXX 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 2023-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

My debt card and phone were stolen and used to transfer money from others into my checking account ( and from my savings account ) then used my debt card XXXX times at Chase bank atms to withdrawal money. Chase was unable to provide atm footage without a subpoena, and refused to reimburse the claim. I also filed a police report and provided Chase with police documentation proving I was not at the atm during time of withdrawal
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (TX)

I have been contacted on XXXX separate times concerning balances on my credit cards. I d not normally carry balances but, because of a family emergency, I am carrying them now. In particular, I was contacted by an entity today regarding my Chase credit card. The " hook '' if you will, is an offer to lower the interest rate to 6.9 % from my current 20.24 % ( unfortunate ) rate.The call progressed from a salesperson to a " manager '' that will give me the specifics. The specifics are a flat " fee '' as it was referred to by the manager will be conveniently charged to me in XXXX monthly installments and will " knock off {$1700.00} off of the of the interest charged at the usual rate ''. Wait a minute? So on a declining balance, that would not be true? They switch me to a person in " security '' and as I question and challenge the truth about the switch, I ask them who exactly they are and how do they know about my to the penny balance, available credit, and last payment and what bank it is drawn on? I argue with the " help '' they are offering, and want to see something in writing. This " security '' person states that it 's already done, to which I became angry and ask how could they do that without my consent as there was no point in the conversation that I gave consent. After I stated that I would not be carrying the balance for a year,, The argumentative " security '' person asks if intend to pay the balance in full within XXXX weeks to which I answered yes. He then in a THREATENING manner says he will inform Chase. I ask that he give me his name and he hung up. The initial call was from XXXX.My call was dropped and the " manager '' called me from XXXX. I used this number to call back and it was Chase! Option XXXX is for lenders to obtain balances from credit card holders! I asked to talk to someone in the security department and was told that Chase does not give out this information, which I do n't believe. At one point in the conversation I stated that if it was Chase, why could n't I negotiate a lower rate for my self? I think this is very deceptive, and a means for Chase to burden it 's credit card holders with more debt and that unfortunately many people are deluded into taking the offer. Are any laws being broken here or is it just bad ethics?
Consumer complaint received 2022-02-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (TX)

Conn 's HomePlus store is trying to colectivo a debt or late payment of a installment loan. They call about 6 to 7 times a day. First call is always at XXXX. They are really bothering my home with so many calls. I told them to stop harassingme and my home with so many calls. Can you help?
Consumer complaint received 2022-07-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC (MI)

I was told owed money to a hospital but was not informed why I owed this money. They state the debt has been owed since XX/XX/2021 but I need to know what debt they are referring to because I am unaware of any debt that is over a year old.
Consumer complaint received 2022-07-06
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: Chime Financial Inc (KY)

I had made a purchase for {$280.00} on XX/XX/2021. I never received my items. 2-3 months later I sent Chime proof of my tracking number and proof that my tracking order still had not shipped. They told me that I did not have a sufficient evidence to solve my dispute. So then I reached out to the seller she sent me a screenshot of her proof that my money was refunded to my bank account but yet to this day I still have not received my money back. I then sent that screenshot to Chime and they told me that was still not sufficient evidence to solve my dispute. I have ordered from this merchant before so I do know that she is telling the truth and I would just like my money back.
Consumer complaint received 2019-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NC)

On XXXX XXXX someone without my permission or consent opened an account with PNC bank depositing {$250.00} into the country the same day. As soon as I recived the letter in the mail I contacted PNC and they closed the account and started an investigation. On XXXX XXXX an account was made with XXXX XXXX XXXX in my name they deposited {$44.00} into the saving a account and the same day transferred the money to XXXX.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

My FICO score provided by  XXXX   XXXX   XXXX  does not reflect my good payment history. My score during  XX/XX/XXXX -  XX/XX/XXXX  w as  XXXX  and was lowered to  XXXX  during   XX/XX/XXXX  -  XX/XX/XXXX . The most recent score for  XX/XX/XXXX w as downgraded to  XXXX  despite the fact that I 've never had  one single late  payment on my credit card since   XX/XX/XXXX .    XXXX  I 've called   XXXX   XXXX    XXXX  and they confirmed my impeccable payment history but could not explain why my FICO score got lower.
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESSES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident typeSingle XXXX XXXX XXXX XXXX XXXX XXXX MOBILE, AL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX typeSingle family XXXX HERITAGE XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info XXXX have sent all XXXX to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past XXXX months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-12
Product: Credit 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: WELLS FARGO & COMPANY (IA)

XXXX and XXXX of this year ( 2023 ) {$410.00} for a total of {$820.00}. I have no memory of receiving a bill or email for this amount and I didnt authorize them to be paid by bill pay. The following months XXXX, XXXX, XXXX, my personal banker and branch XXXX was no help. It was like they was covering for the scammers. Most people I had contact with would say, you authorized it. I didnt authorize it. Why would authorize a scam. 
XXXX XXXX have XXXX  issues. I think the scammers are Well Fargo employees, it has to be a inside job to set up a XXXX  account, somehow authorize payments. 
My dispute # with Wells Fargo is XXXX. All they say is, you authorized the XXXX payments.Nothing about the XXXX  account, with a due date XXXX of the month. My account has always been XXXX of the month. So I have XXXX due dates, XXXX and XXXX. I ask them why, no answer. I have talked for hours on the phone, in the end of the day, they say you authorized them. Nothing about a scam, they covered for the scammers and helped them. 
I hope this makes sense, if not let me know.
Consumer complaint received 2021-06-14
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: ENCORE CAPITAL GROUP INC. (NC)

XX/XX/XXXX XXXX was contacted by Midland Credit Management using unknown number person on phone was XXXX XXXX XXXX this was the first phone call from them they purchased my credit card past due from XXXXXXXX XXXX. Was told I must make a payment today or other action would have to be taken after a little while of going back and forth informing them I did not have the funds he had scared me enough that I said I could do XXXX $ payment today. he said he had to speak with manager to see if it would be ok manager approved and he sit me up on a plan but it was never disclosed to me at anytime this would be sit up for continued auto withdrawls he left me understanding I would be making monthly payments but not auto payments. He told me i must get email and follow directions to accept so i did but when I went to make the {$10.00} payment it sit up payments through XXXX. I did not agree to monthly auto drafts. I agree I owe the money and will do my best to pay the debt but I was only paying XXXX for the month of XX/XX/XXXX. I went to a chat with a representative. He or She since they were using another name and admitted to that due to NC LAw would not help correct the issue. Mr XXXX harassed me for 18 min.misleading me on the additional measures they will take to get there money stating that I would have to pay in full on the day it was demanded. Then I agree and make the 1 time payment of 10 and they fraudulently use the banking information I used to set up payment through XXXX. Went to chat and asked for help at XXXX and rep. XXXX XXXX XXXX XXXX XXXX would not help and told me to call back next day. ( saved copy of chat )
Consumer complaint received 2024-03-30
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (DC)

NORDSTROM/ TD BANK XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Subject : Request for Removal of Debt from XX/XX/year> Dear NORDSTROM/TD BANK, I am writing to request the removal of a debt that was incurred approximately six to seven years ago, as reported on my credit report. The debt in question appears on my credit report under the account number XXXX, and it originated from NORDSTROM/ TD BANK. 
After thorough review of my financial records, I have come to realize that this debt has surpassed the statute of limitations and is no longer legally enforceable. According to the Fair Credit Reporting Act ( FCRA ), the statute of limitations for reporting most negative information on a credit report is typically XXXX years from the date of first delinquency. As such, I kindly request that you remove this outdated debt from my credit report. 
I understand the importance of maintaining accurate and up-to-date credit reports, and I believe that removing this outdated debt would reflect a more accurate representation of my credit history. Removing this debt would also help improve my credit score and provide me with better opportunities for financial stability in the future. 
I would appreciate your prompt attention to this matter. If you require any further information or documentation from me to facilitate the removal process, please do not hesitate to contact me at the above-mentioned contact information. 
Thank you for your understanding and cooperation in resolving this issue
Consumer complaint received 2022-09-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (FL)

Credence Resource Management , LLC ( https : //credencerm.com ) calls every day and requests that I provide my social security number and address in order to resolve a supposedly outstanding debt related to a healthcare expense from earlier this year. The referenced expense was fully paid on time through my health insurance provider and no debt was ever owed. This is clearly an attempt to steal my identity and possibly to scam me into making payments to them. 
Phone numbers used : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (DC)

I recently opened an ALL rewards card ( issued by the clothing store Ann Taylor, but can be used anywhere -- it's a mastercard ) and it is part of Comenity Bank. Since I received the card more than a week ago, the Comenity Bank portal is down and there is no way to log in and when you call there is no customer service to speak to. I have done some research online and many other people are having this issue ( they manage cards for a variety of stores like Ikea, Ulta, XXXX XXXX, etc. ). I can't pay my bill because there is no way to do it ( although I have the funds and would like to! ) and I am also worried about how this might affect my credit score -- including after all is said and done and I want to close this account because it is not worth the headache. Comenity has been claiming that this is " planned system update that took longer than expected '' but no scheduled maintenance takes this long and blocks thousands ( millions? ) of customers out of their accounts for over a week and counting. They have not been forthcoming or proactive with any information -- and what they do share is vague, patchwork, and unhelpful -- if it is even true. The one and only time they reached out was XX/XX/XXXX via email. I have not heard from them since then. I am worried my XXXX  is part of some data breach or something worse, but we have been kept in the dark. 

Thanks so much.