davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (WA)

On XX/XX/XXXX I disputed an Item on my credit report in the amount of {$910.00}, the collection company was LVNV Funding LLC C/O Resurgent Capital Services, After several previous attempts the collection company deleted the item off my credit report, I took a snap shot picture of the deletion on XX/XX/XXXX showing the collection account was closed with LVNV Funding LLC. 
On XX/XX/XXXX I notice that the collection account was back on my credit report, according to the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available by the agency. To this day I have received no such notification of the reinsertion. 
I do not owe this company any money nor did I sign anything saying I did, I have asked several times for proof of my signature showing any kind of validation that I was responsible of owing anything to this company, they have sent me nothing but a print out with no signature..
Consumer complaint received 2020-02-10
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. (NJ)

Related complaint # XXXX XXXX XXXX XXXX has replied to my complaint by stating that they will no longer report this item on my credit report. They have however notified me that it will take 60 days for the credit bureaus to update their records.
Consumer complaint received 2021-02-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

There is 2 accounts that were closed and still showing a derogatory remark on credit reports. This company will not completely close these accounts. They have agreed to and then they charge them off but leave it in credit as negative. I have disputed it over and over and I have been told numerous times it will be removed from report. As far as negative on credit score. When I dispute it they just respond the same way. And one of these accounts were opened under my name fraudulently I have told them that numerous times and no one seems to want to help me. These need to be removed right away please. I am just trying to repair credit.
Consumer complaint received 2021-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00}
Consumer complaint received 2021-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

On XX/XX/2021 I went to a no fee XXXX XXXX XXXX  ATM Machine '' which is also a XXXX XXXX XXXX ATM, which doesn't charge fees by using a bank card, but my bank First Citizens Bank decided to wait until XX/XX/2021 to charge me {$2.00} for using an out of network ATM, but the ATM I used doesnt charge fees, so by federal law a bank nor credit union can either! Plus, First Citizens Bank charged me {$17.00} something they aren't showing on my bank statement same day of XX/XX/2021 is when I paid {$39.00} to XXXX XXXX XXXX whom messed up my debit card so I couldn't get my XXXX Benefits in XXXX.
Consumer complaint received 2020-06-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION (PA)

Like many people, my family and I have struggled for the last few months with the aftermath of the coronavirus recession. I am a single parent to XXXX kids, XXXX with XXXX XXXX, and the only other adult in my home ( my middle son ) who had a job, lost it in XXXX due to the recession and only last week began to receive UI benefits. So since the second half of XXXX, we've only had my income to live on. There have admittedly been many occasions when my checking account has been overdrawn during this time. However, I have heard that many other banks and financial institutions have been willing to waive fees due to overdrafts, because of the extraordinary circumstances. XXXX, however, has done very little to help, despite my call to customer service on XX/XX/XXXX, followed by my call to my local branch manager on XX/XX/XXXX, asking for some consideration, Since XXXX, I have been charged {$3600.00} in overdraft fees. The best that either of them could do for me was to forgive a total of 14 of them ( {$490.00} ). In fact, what prompted me to call on that particular date was that my paycheck was due to be direct deposited on the XX/XX/XXXX, and my account was overdrawn by more than the total amount of my paycheck- in other words, as soon as my paycheck was deposited, the bank would take all of it for NSF XXXX That happened, anyway, even after the forgiveness, and still the account was overdrawn by {$75.00}. I have now stopped direct deposit, because I can't afford to have my entire paycheck taken away in fees. XXXX XXXX, the local branch manager who I contacted on XX/XX/XXXX, has told me since then that he can not waive any more fees on his authority level, and that " senior management '' is considering what to do. Several more weeks have passed, and I have lost all of that money, which was more than my " stimulus payment '' plus my paycheck combined. I understand that banks are for-profit entities and that service fees are a part of that package. But given the circumstances, this is nothing short of predatory banking. I am asking that you intervene and question the bank about their predatory practices, at the very least. I'm losing hope of ever seeing my money again.
Consumer complaint received 2024-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (MI)

In XX/XX/2023, I called Aidvantage because I had mailed in an application for SAVE in XX/XX/2023 but never received anything from them and it wasnt showing an status online. I was told by the rep that it takes 6-8 weeks to process. The rep said I shouldve went online. So I applied through studentaid.gov fed loan servicing and they sent my application to Aidvantage. It shows completed on XXXX as of XX/XX/2023. On Aidvantage, it doesnt even show that I am in process for SAVE. It says awaiting paperwork but I dont file taxes and receive social security XXXX and dont have taxable income. Studentaid said I dont have to submit anything back in XX/XX/2023. Then Aidvantage sent me a bill this month and last saying I owe a full payment, due on XXXX XXXX. Aidvantage has sent ZERO communication about my SAVE application or forbearance. After searching for help online, Aidvantage is telling people they have to make a standard payment before they can be put on the SAVE program. This seems fraudulent for a student loan servicing company. I have hopefully been on administrative forbearance with no notification of it, for 4 months apparently, now they are sending bills with due dates as if I never even applied for SAVE. Their phone service is a joke, as you have to sit on hold so long the call sometimes drops. Then, when you get to someone, they tell you they are putting a note on your account about SAVE, but you never get ANY communication as to whether you even applied for it or where you are in the process.
Consumer complaint received 2021-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (CO)

Hello, I had an account with COMENITYBANK/WAYFAIR opened in 2017 the account with XXXX past due worked worked out a payment plan was due to lost of income. Everything is paid they update my account from closed to charged off paid
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out 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
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXXXXXX Balance : {$0.00} 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 XXXXXX/XX/XXXX
Consumer complaint received 2020-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SAMC Honebee TRS, LLC (FL)

Company : GMFS Mortgage. 
This is about unauthorized charge for PMI from my escrow account. 
In addition to monthly mortgage payment I sent additional payment towards principal in XX/XX/XXXX to meet 20 % down payment so that I can request to cancel the PMI. My payments were processed by XX/XX/XXXX ( Transaction pages are attached for reference ). I called GMFS customer service and made a request to cancel the PMI. My PMI was cancelled on XX/XX/XXXX ( Cancellation confirmation letter from GMFS is attached for reference ). On XX/XX/XXXX, GMFS debited {$240.00} for private mortgage insurance disbursement. I called GMFS customer service to understand this charge and made requests to refund it, but after several calls ( many times the customer service responses were poor and disappointing ) they said, " that was the payment due for PMI ''. Please note, there was no payment due for PMI, I explained it to the customer service representative. All previous PMI payments were made, this can easily be verified from the transaction pages attached. I made request to transfer my call to supervisor as my request to refund unauthorized charge remained unresolved. They said they can not transfer my call to supervisor, but they said they can setup call back from supervisor. I agreed for the call back option and they said I should get a call from supervisor in next 48 to 72 hours. I did not receive call back from them at all. 
I made call back requests on these dates : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Till date the issue is unresolved. I request you to investigate this issue and have GMFS refund {$240.00} to me.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Consumer complaint received 2020-02-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (TX)

Inquiry noticed on my account XX/XX/year> I never gave any written consent for information to be furnished to Navy Federal Credit Union this is me opting out of my information being furnished with out my consent and under the privacy act and fair credit reporting act this is a violation of my privacy and my right to credit
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (FL)

On XX/XX/2019, I was charged my normal fee for a subscription to XXXX that I had forgotten about. I no longer had a physical Citibank Credit Card so forgot that I had anything charging to it. When I realized that it was charged, I made the payment with the late fee. I also used my cash back rewards to clear the card. I've emailed, chatted online and called into Citibank to request that a {$39.00} late fee be removed. The fee was understood to be waived ; however, wasn't waived. There is now a balance of {$100.00} which are fees charged on top of fees. They won't waive the fee as previously agreed and feel that I'm being taken advantage of by being charged fees on top of fees without any goods or services being offered.
Consumer complaint received 2020-02-20
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$16000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Consumer complaint received 2020-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/2019 and XX/XX/2019 XXXX XXXX XXXX ran hard inquiries on my credit without my permission.
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

My account was hacked and the guy opened a XXXX account and stoled {$1000.00} I did not Authorize this. I called Citibank Immediately and opened up a fraud case! I assumed Citibank was able to track this and was going to reimburse me. After almost 2 weeks they said the case was closed and they were not going to reimburse me since I gave this man access to my computer
Consumer complaint received 2018-05-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

Re : Credence RM This company was asked by XXXX as well as myself numerous times to remove their claim from my credit report. I owed a balance to XXXX in XX/XX/2017 and I paid the balance in full to XXXX. The company called Credence placed a negative mark on my credit report stating I owed and paid them, not correct. The original creditor requested them to remove this claim. This continues a year later to show up. Credence has caused me damage both in obtaining a mortgage and has cost me job opportunities. This must be removed it is a false claim.
Consumer complaint received 2024-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I am unable to review information with my accounts. I was verified by phone with Bank of America on XX/XX/year> through a one time authorization code, after being verified I had made additional calls to Bank of America as I was directed to by Law Offices of XXXX XXXX XXXX and have not been successful. Bank of America associates have been very difficult to speak with and have caused me a great deal of stress, frustrations and also anger. I have filed with the XXXX about the company and their employees, ongoing discrimination and abuse within the workplace as well. I need to be able to have proper discussion about my accounts and the balances to be able to place these situations behind me. Bank of America has been participating in internal fraud.
Consumer complaint received 2020-02-20
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 — Their investigation did not fix an error on your report
Company: Checkr, Inc (AL)

I applied for a job that did a background check on me before hiring me. The 3rd party company they used to do the background check is reporting a speeding ticket incident on my driving record that was not supposed to be on my record. The incident occured on XX/XX/XXXX and did in fact happen. However, I attended court and the judge allowed me to pay my fine and attend a defensive driving course ( at my expense, which I also paid for. I went to the court house XXXX the XX/XX/XXXXand asked for someone to investigate why this was being reported. The clerk found an error in input on their end which she corrected and printed out a doccument for me to show that this had all taken place. I sent the company, Checkr a copy of that page and asked them to reinvestigate my background to pull my report again so that this information was no longer listed. The have since decided not to correct this listing, which has caused me to be turned down for the job that I applied for.
Consumer complaint received 2020-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

a XXXX  XXXX XXXX  tradeline was resolved in 2017 ; however, tradeline wasn't removed in accordance with agreement made with debt collector on behalf of the original creditor.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION (TX)

I applied for an XXXX XXXX Credit Card on XX/XX/2024 I got an adverse action letter XX/XX/2024 I responded to Navy Federal Credit Union on XX/XX/2024 wondering why I am being denied credit for this consumer transaction under the equal credit opportunity act this is discrimination and under the fair credit reporting act as well the information reported on my credit report was not consented too and was inaccurate and negatively affected my credit report. 
15 usc 1602 15 usc 1611
Consumer complaint received 2020-02-10
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. (IN)

CH XXXX bankruptcy Docket XXXX Attorney XXXX  XXXX XXXX date file XXXX date dismiss XXXX Fraudulent bankruptcy that Experian will not remove after multiple attempts to dispute. They will not remove this. I have sent several documents to them and it's been going on several months. Also the address is wrong on the Ch XXXX filing as I have no idea what that address is it is not on any of my credit reports. 
I will attach all the documents that I have which they have already received. Please I appreciate your promptness as this is negatively affecting my life right now. I really need this fixed and resolved please. 
Social XXXX Birth date XXXX