davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX-discharged Original filing date : XX/XX/2012 Latest status date : XX/XX/2012 ATe Account Info Reference Number Court XXXX XXXX XXXX XXXX XXXX. 

THIS HAS BEEN REMOVED FROM ALL CREDIT REPORTS BESIDES EXPERIAN. 
I HAVE DISPUTED MULITPLY TIMES. PLEASE HELP THANKS.
Consumer complaint received 2018-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

All three credit bureaus are reporting few information on my credit report that are either over 7 years old or incorrect. 

I have written to all three credit bureaus about this and demanded that they provided me with the evidence and supporting documents that they, during their investigation must have asked the credit reporting company. But they ( XXXX, XXXX, Transunion ) have informed me that they have completed their investigation without sending me any documents from the original creditor. But the issues were not corrected. They failed to send me the documents, I have asked to show me that the accounts are reported correctly as they claim. 
For example, XXXX is reporting two accounts ( {$830.00} and {$2400.00} something ). These accounts are reported incorrectly. I have asked them to show me the documents with proof. They have not. 
Similarly, I have an old account ( more than 7 years old ) for the amount of {$84.00}, originally from XXXX XXXX bank. This account is still showing on my report ( all three bureau ). They have not removed it despite my demanding to remove it. 
Then there is a real estate loan account. Multiple banks are showing the same information more than twice. I have asked the three bureaus to correct this error. They have not.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

Well on XX/XX/XXXX XXXX woke up and seen two transactions taken out of my account that were on authorize that total in the amount of {$810.00} XXXX instantly called Chime to file a dispute, letting them know that I did not authorize this transaction, nor have I ever used this website in which the unauthorized transactions were made. And the transactions were taken out at XXXX in the XXXX, and Ive tried to tell Chime that these transactions were not made by me, and yet they still decide to deny my dispute, and they have denied my rebottle. I am requesting that you guys please help me return my money to my account because it is affecting me daily without my money. Do.
Consumer complaint received 2020-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (CA)

XXXX  XXXX ran a credit check on me without authorization and used it to lower my credit limits and further damage my score. I attempted to contact them to let them know that my current score is incorrect due to false reporting done by XXXX XXXX ad that they need to reinstate my credit limit as they breached my contract and are basing their decision on fraud committed by XXXX XXXX and they refuse to help me. They also refuse to acknowledge the request that I made by copy and pasting the same message over and over again. I want my credit limit reinstated. They damaged my score further and will not even attempt to look to fix the problem. I am a loyal customer and have always made payments on time. They are punishing me for no reason and I want them fined and they need to fix the problem that they created.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY (GA)

I am been with Wells Fargo for 14 years I have credit car. With them. I over pay My bill. And when I ask Wells Fargo to increase my credit from XXXX to XXXX they say credit is not good enough This bank try to keep are people dont. Dont wan to work with people go get better credit. The way we have to pay super high interest
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have recently disputed incorrect info on my experian credit report It is a bankruptcy filed XX/XX/2013 and a XXXX XXXX card XX/XX/2013 for XXXX that says it was included in a bankruptcy I have disputed it several time as not mine and they have refused to do anything about it. Now they will not even allow me dispute it anymore. It is effecting my score greatly. Thanks for your help.
Consumer complaint received 2018-10-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: SYNCHRONY FINANCIAL (AZ)

I purchased an item on XXXX XX/XX/2018 for {$200.00} The item description stated that the item worked even without a specific part. It did not work without the part. I showed that it did not work with out the part and the seller agreed that I was correct ; that it didn't work without the part.

I went to Paypal for a remedy because the seller would not agree to return the product for me. I showed PayPal the evidence : 1. Seller description stated that the product worked without the missing part.

2. It did not work without the missing part 3. That the seller agreed in writing that it did not work without the part.

PAYPAL is in VIOLATION of their USER AGREEMENT by then stating that they could not uphold due to the description being accurate.

Obviously they just ignored everything that was sent to them and hoped it would go away.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Im having serious difficulties with the 3 major credit bureaus, I sent out a letter disputing some inaccurate information on my credit report on XX/XX/XXXX. 40 DAYS GO BY AND NOT A SINGLE LETTER OR RESPONSE EVEN THOUGH I SENT CERTIFIED CAME FROM XXXX OR XXXX. XXXX decided to send me a letter asking if i was working with a " credit clinic '' WHICH IS ABSURD... 

So on XX/XX/XXXX I sent them another letter, and they still are not getting the picture that i am furious with how they are reporting on my credit report and damaging my name. They are not above the law and they need to sharpen up on thier FCRA LAWS AND DELETE THESE ERRONEOUS ITEMS
Consumer complaint received 2022-06-18
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. (CA)

In accordance with the fair credit reporting act XXXX account name : 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.
Consumer complaint received 2022-03-04
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)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2022-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (ID)

Asked for a card for my box as a user. Came back with cant verify my information from credit reporting company. Funny my number and address is on there. This happened when I asked for a line increase also. So I spent hrs contacting all three credit companies. Also they have my information address phone checking account ect. 
Ive learned this bank can hire US people so the quality of service is a solid -99 %.
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2018 Bank of America closed my account due to a 3rd party check I deposited. The person who check it was has sued their job and won, got their money and going on with their life. But for some reason Bank of America reported to XXXX  XXXX  that I committed fraud and had an outstanding balance, then said it was a XXXX balance and now its saying paid in full. When they closed my account they had to give me almost {$400.00} my balance, yet they reporting I paid them, when I didn't owe them anything. They are also reporting an address I never had on file but for some reason they won't remove this
Consumer complaint received 2018-12-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Profit Services Group (GA)

I receive numerous calls daily to my cell and work phone from Profit service group Collections agency employee XXXX from phone # XXXX. I have verbalized to her collection agency to not call me or my job and that I cant take calls at my place of employment. Also my account is not in collection with that company. The medical account in question is being paid directly to XXXX XXXX medical billing department. XXXX XXXX have also notified Profit service group collection agency to not call me because my account is being collected in their office and it is not in collection.XXXX states that she will continue to call me no matter what. THIS IS ILLEGAL BECAUSE SHE CONTINUES TO CONSTANTLY HARRASS ME!!!!!!!! I HAVE MY CALL LOGS FROM MY CELL AND JOB AS PROOF OF CALLS I RECEIVE BACK TO BACK. SHE WILL HANG UP AND REDIAL MY NUMBER SEVERAL TIMES. HOW UNPROFESSIONAL IS THAT.
Consumer complaint received 2018-05-12
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. (NY)

My name is XXXX XXXX I am contacting your company about the credit company Transunion because they are reporting things on my credit report that are fraudulent and I want them removed at once because they do not belong to me and are fraudulent. The first fraudulent item is an address which I never lived at and is fraudulent XXXX XXXX XXXX XXXX XXXX ny XXXX this is fraud and does not belong to me please remove at once from my credit report also there is a credit inquiry from CFNA Inquiry : XX/XX/2018 this inquiry is also fraudulent and doesn't belong to me please remove it off my credit report and raise my score where it should be.
Consumer complaint received 2018-12-13
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: Navient Solutions, LLC. (FL)

Between XX/XX/2018 and XX/XX/2018, your DEPT OF ED/NAVIENT student loan account balance increased by {$3600.00} from {$3200.00} to {$6900.00}. 

i dont understand, they keep playing with my information it goes up and down and they always want more. i cant pay this also ive paid thousands of dollars in student loans already, also never finished the program. i dont understand why they want more and more. it is impossible and i have my loan on forbearance and yet they over charge when its suppose to be frozen out my account for a year. 

can they just keep over charging people because they want to. 

ive called and all i get is hung up on ..
Consumer complaint received 2018-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Recovery Solutions, LLC (FL)

This company has done an illegal soft inquiry regarding a time barred alleged debt ( yes i know thia to be true as i have no debts under 4 years old which is the statute mandated limit per fla sunshine law ) which 0 info has been received.
Consumer complaint received 2018-05-12
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)

Hi I am contacting you because I was recently alerted that there were some fraudulent credit inquiries on my credit report that I would like removed at once because they do not belong to me and they are fraudulent and I am a victim of identity theft, Please make experian remove these inquires from my credit report and raise my credit score back to where it should be. XXXX XXXX XXXX and XXXX please remove as these are fraud and do not belong on my credit report.
Consumer complaint received 2018-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (WA)

I have attempted to resolve an unauthorized charge on my XXXX   Debit card from Simple.com bank. There is an UNAUTHORIZED charge from XXXX XXXX that was made on my debit card on XX/XX/XXXX for {$810.00}. I notified Simple IMMEDIATELY, on the same day the charge occurred. They opened a dispute and put a block on my card as requested. Then, on or around XX/XX/XXXX, they decided to close the dispute saying they didn't find anything wrong. I then called them, asking why it was closed, and how there is no way they properly investigated it. THey then re-opened the claim. On XX/XX/XXXX, today, I received a message that they have again  decided to close the dispute and will not be returning my money. They have denied to help me, even though I am supposedly protected from unauthorized transactions. XXXX won't help, Simple has denied to help, so I have no choice but to turn to the CPFB for help. All I want is my money back that was stolen from me.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

Since XXXX, these items have been on my credit report and have robbed me of my financial freedom and have resulted in increased interest rates and expenses unfairly to me. For many years I have responded phone calls to provide proof of ownership, with no responses. 

Recently, from XX/XX/XXXX until XX/XX/XXXX I have written letters to these creditors and credit bureaus to remove the false information from my credit report. They have either not answered or have said that this was verified as accurate with out providing my signature, full account numbers or providing proof that these were my accounts. 

XXXX XXXX  allege I owe {$2500.00} XXXX XXXX XXXX XXXX  allege I owe {$5200.00} XXXX allege I owe {$9600.00}
Consumer complaint received 2018-05-12
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NC)

I was given 60 days in a letter to respond concerning my identity information, which I gave my whole entire information to the company escalation team to improve and or, approve my decision. I was never told that my credit score was an issue, therefore only to verify my identification through my phone number. Although, that didn't matter many times trying to register my phone number correctly and having to be manipulated to purchase phone for better resulted in a phone to my name, now more costly business. I was decline credibility from the company.
Consumer complaint received 2017-03-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

I have reviewed my credit report and it reflects correctly my good credit history. Yet my score has continuously dropped from around XXXX in XX/XX/2016 when we finished a streamline VA loan refi, to today 's score of XXXX. Nothing has occurred in my credit since XX/XX/XXXX that would warrent such change such as having late payment, missed payments charge off or court actions, etc. However, my credit score keeps dropping Asverse my lines of credit get reduced for having lower and lower scores. A catch XXXX, my score was dropped then my line of credit is reduced which drops my credit line. 
I would gladly pay off my credit as it 's not that much. Except for a little issue that started in XX/XX/2016 : My veterans educational benefits have been recalculate as a result of this the VA has determined they over paid my school. So, VA has withheld my pay in XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, over {$8500.00} ( my school was only paid {$6500.00} ). I 'm just very confused by all of this. And still, I 've keep up on my payments. But this sliding score is causing a mess as we are trying to buy a home! I expect to see a score of XXXX any day now as time progresses.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

I applied in good faith for a XXXX XXXX XXXX amex card XX/XX/2022, Amex denied/declined my application in error. I just received a letter stating that they declined my credit in error. Amex took adverse action against me by not having me exercise my right to credit, credit is a right granted. Amex violated federal Law under the Equal Credit Opportnuity Act, as pusuant to 12CFR 1002.16, I will further escalate the violation to all federal regulators if resolution is not met. 

Eclosed is the letter from Amex and my complaint to attorney general.
Consumer complaint received 2020-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IN)

I lost my pin to unfreeze my account. I was quoted a cost fro Experian to unfreeze. I agreed, they were to overnight me the info needed to unfreeze my account. Instead they charged my card more than quoted, sent me a credit report instead. Something I could get for no charge. I called back, they charged me again. When I asked about getting a refund, they said I needed to start an investigation. Here are my questions/problem : 1 )  why did I need to start about five investigations, all which were never investigated. 
2 ) why did Experian refuse to return my money when they admitted it was there mistake? 
3 ) Why on multiple calls, was I blamed for the failure of the investigations when I did exactly what I was asked to do 4 ) why was I threatened by Experian when I stated I would dispute the charge because Experian refused to follow up on any of the investigations I requested. 
5 ) why when I asked what federal agency polices ( not that this division of the government polices a thing )! was I directed to the wrong agency Experian would go along way by answering those questions. But they wont. You know it, I know it, they know it. 

The government will not force them to respond.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

The following debt does not belong to me. I have never opened an account with this company in XXXX of 2022. It has been ruining my advances in life with this negative credit report and Im requesting immediate removal from my credit report.
Consumer complaint received 2023-03-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (PA)

I have a complaint, wrong and false information because identity Theft, for Personal Identification stolen to Public Name and Person. 

Wrong Dispute, Never had Credit Card or Any Loans in any matter. everything paid with cash sells. particulary wholesale.
Consumer complaint received 2022-06-18
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. (CA)

In accordance with the fair credit reporting act XXXX account name : 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.
Consumer complaint received 2018-05-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Real Time Group, Inc. (TX)

Despite contacting the company regarding this issue I am making the appropriate monthly payments but the monthly billing statements continue to be incorrect. In the past two months now including XX/XX/2018 my monthly statement does not properly reflect any of the two prior payments and is grossly incorrect. The statement appears to indicate that I am either late or delinquent on past payments in which I am not.