davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (FL)

CITIBANK DISPUTE!!!! This account was closed after the first few uses, removed the authorized users on the account and paid it. Called the bank to close the credit card after payments were made, bank stated that it had been closed. Months later, come to find out I am in collections and the bank never closed the account and the person I had on the account continued to use the card without my consent. Therefore, these are unauthorized charges going into account. Called bank to resolve issue and find out why account is not closed and they stated they had no information. The bank stated that it was not their problem and I would be responsible for the balance. Credit card issuer still tries to collect a charge while its investigating my dispute. Please help me resolve as I can not come up with any other solutions. This is fraud that was done on my account by someone I previously authorized and then unauthorized. However, the bank continued to accept credit card charges after I specifically stated that I needed to remove all authorized users from the account and close the account.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (TX)

Spoke with XXXX XXXX on several occasions and requested remittance process for payments and 1099 C for Debt Cancellation. I continue to receive letters from there collection department refusing request to discharge debt. XX/XX/2024 received letter continue request for payment.
Consumer complaint received 2023-02-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (FL)

This company called me and stated I as the cosigner of my daughter 's rental lease owe {$600.00} after she moved out. They gave no reason and stated we both are the hook for an additional {$600.00}. I asked them to provide documentation and a reason why, I also reached out to the apartment company who told me I need to speak with the debt collector only. I called them back and they told me I must pay the {$600.00} and provided no reason. I asked for documentation and they never mailed or emailed or followed up. I contacted an attorney who I paid to request documentation of why we owed {$600.00} and requested documentation be sent to him. They did not send any documentation to him or us and then proceed to put this debt on our credit reports citing extremely past-due fees - we do not know what the fees are for.
Consumer complaint received 2019-04-10
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc. (NV)

XX/XX/XXXX, there was a charge of {$35.00} to my account for XXXX XXXX 
XX/XX/XXXX, there was another charge of {$35.00} to my account. for XXXX XXXX 

I was told that these charges were because I did not submit a CERTIFICATION OF OCCUPANCY in a timely manner. 

I explained to them that I did comply in a timely manner. I had sent them a CERTIFICATE OF OCCUPANCY in XX/XX/XXXX and sent them proof of my compliance. 

I asked them to give me back my {$70.00} and they refused. I have made numerous calls and emails to them and they will not respond or give me back the {$70.00}.
Consumer complaint received 2019-04-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX, I sent a letter to the credit bureaus, asking that they investigate errors on my credit report. As I understand it, they are supposed to respond to this request within 30 days. They have not responded.
Consumer complaint received 2019-04-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

On XX/XX/2019, I contacted Portfolio Recovery Associates, LLC via certified letter regarding various daily annoying debt collection calls. I sent the attached CEASE and DESIST letter requesting documentation that supports why they believe the debt belonged to me and I received nothing.
Consumer complaint received 2022-09-08
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-08-17
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: GOLDMAN SACHS BANK USA (TX)

In accordance with the credit reporting act this creditor XXXX XXXX has violated my rights under 15Uc 1681 section 602 states that I have the right to privacy 15Uc 1681 604a Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15Uc11666B a creditor may not treat payment on a credit account under an open and consumer credit plan as late for any purpose
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/2023 my card was used to make a purchase at XXXX in the amount of {$80.00}. I did not make this purchase and my actual card was still in my possession. I didnt realize my account had this charge until after my shopping trip to Woodmans on XX/XX/XXXX. I called Chase and was advised the fraud department was already closed for the day and the rep told me to call back during normal business hours. He also told me to lock my card so no other purchases go through. I locked my card and called back the next day to report the suspicious charge. I had them cancel that card and send me a new one in the mail. After their investigation they came to the conclusion that I authorized the purchase because my card was used and my card has a chip in it ( Apparently criminals/hackers/scammers do not exist in the Chase Bank world and they cant make fake cards ). I phoned Chase on XX/XX/XXXX and spoke to XXXX. XXXX XXXX, he was unable to access the info regarding their investigation so I asked to speak with a supervisor. I was then transferred to XXXX who just reiterated to me that it was denied due to the fact my card was physically used at the store. She said my card was never reported lost or stolen ( because it wasnt and XXXX not a liar ). She also said there was another transaction after the fraudulent one in which I told her I did make the purchase at XXXX and didnt realize anything was wrong until I checked my account balance after the XXXX purchase. She told me she would have the case reinvestigated and to call back in XXXX business days. I called back XX/XX/XXXX and spoke with XXXX. XXXX XXXX, the case was never reinvestigated as they didnt have any new information to reopen the case. Chase Bank made me feel like the criminal. The one who lied. The one who stole. When I did nothing wrong. It is very disheartening to receive such poor customer service when you are already going through a frustrating situation.
Consumer complaint received 2019-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: PNC Bank N.A. (PA)

I went to the PNC Branch ( XXXX XXXX XXXX, XXXX, PA XXXX ) to replace a lost Credit Card. The card I wanted to replace had a limit of {$1600.00}. A few days later I get a PNC Credit Card and I assume it's my replacement. 

However, I learned that it's a new credit card I DID NOT APPLY for. It has a limit of {$11000.00} and the interest rate is 5-6 % higher than my previous one. 

I contact PNC to show me where I signed-off on the new card application. Provided nothing. Contacted the branch, no help. 

I learned they were pretty much doing what XXXX XXXX was doing to incentives their employees buy opening as many accounts as they can. 

Additionally, my credit report doesn't even show this $ XXXX credit card on my report. 

I've been paying 23 % on this card which I NEVER applied for.
Consumer complaint received 2019-04-10
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. (MN)

The Minnesota XXXX XXXX is showing up on my report. I had an agreement saying that my arrears should be off my credit report. It should be in the courts records this matter should of been solved.
Consumer complaint received 2019-04-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

The XXXX Child Support is showing up on my report. I had an agreement saying that my arrears should be off my credit report. It should be in the courts records this matter should of been solved.
Consumer complaint received 2019-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America holds our second mortgage. IN XXXX we paid off the first mortgage with them and most of the second mortgage. 
The remaining was XXXX dollars. The monthly payment on this had been XXXX dollars a month since XXXX of XXXX. When we were notified and attempted to pay the monthly payment we where told we had to pay XXXX dollars and the teller refused to take the XXXX dollar payment. So we went online and it would only take the XXXX dollar payment also. After months of negotiating and trying to get this resolved has failed. All efforts to resolve this has failed. Resulting in accumulating interest and penalties and our credit being destroyed thru the process. 

The original loan was only XXXX. Bank of America stated the payoff XXXX which was not correct. The loan had never exceeded the original amount of XXXX. 

The complaint is that the bank made an error. Would like this to be corrected
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (CA)

I am a victim of identity theft, I started receiving letters and statements from banks saying that they opened the account for me I also received letters saying that they need additional information from me to complete the account opening. 
I only have 1 checking account with XXXX XXXX and I have not authorized anyone to open accounts for me. I placed a consumer statement on my credit report on XX/XX/XXXX. I completed a Financial Crime Report with XXXX Police Station on XX/XX/XXXX. 
I have received letters from banks/card companies : XXXX XXXX XXXX attempted to open account XXXX XXXX - 3 account opened XXXX - attempted to open account XXXX XXXX - declined credit card XXXX XXXX XXXX - accounts were opened XXXX XXXX - 2 opened accounts XXXX XXXX- I received a debit card in the mail XXXXXXXX XXXX- I received 2 credit/debit cards XXXX - account opened on XX/XX/XXXX XXXX XXXX XXXX - Inquiry on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX - Inquiry on XX/XX/XXXX XXXX XXXX Consolidated XXXX Inquiry on XX/XX/XXXX XXXX  XXXX XXXX Inquiry on XX/XX/XXXX These are the banks/credit card companies that have contacted me, if i get more letters from different companies, I will notify you by submitting another complaint. 

I would like the companies listed above to close out the unauthorized accounts and remove any inquiries placed on my credit report. I want letters sent to me stating that the closures have been processed and my credit restored.
Consumer complaint received 2019-04-10
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bliksum, LLC (CA)

I have told Loanme to stop communicating with me and they know I am represented by an attorney yet they continue to communicate directly with me. Once again I want this harassment to stop! They refuse to resolve/settle the matter and continue with sheer disregard for the California Fair Debt Collections Practices Act. No exception exists that they may contact me when I've asked them not to and when they know that I am represented by an attorney.
Consumer complaint received 2018-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (PA)

There are 3 accounts on my credit file being reported by Navient # XXXX the date of 1st delinquecy is being reported differently across the 3 credit bureaus XXXX reports 60 days XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX reports 30 days XX/XX/XXXX Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.

XXXX  v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information.
Consumer complaint received 2019-04-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AL)

Dismissed bankruptcy in XXXX that included an account with NMAC for a XXXX XXXX XXXX. Contacted NISSAN to try to negotiate to keep the vehicle around the time of the dismissal but wasn't successful and agreed to surrender the vehicle to my local Nissan dealership. Was told they would contact me once they had possession of the vehicle. After a few weeks, didn't hear from them, reached back out and was told they didn't know the vehicle had been surrendered and once they have possession, they would reach out with balances, redemption amount, etc. As of XX/XX/XXXX - nothing and I assume the vehicle has been sold now as I have an entry on my credit report for {$15000.00} owed to NMAC. This is really hurting my ability to obtain anything. According to Alabama Law, I was to receive an opportunity to redeem the vehicle and/or a post-surrender notice, none of which I have received. I have contacted NMAC via a demand letter.
Consumer complaint received 2019-04-10
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (NY)

We bought this Fridge on XX/XX/XXXX and it immediately started having issues with the ice maker. XXXX XXXX techs came out several times to service and this week XX/XX/XXXX the fridge suddenly stop cooling. Another tech came out and confirm fridge is faulty. We then proceed to request a replacement which turn out to be a nightmare as XXXX customer service is awful and unwilling to replace fridge under warranty. After several calls and pleading with them they agreed. However, we have gotten the bad end of the stick because our model and size is now {$400.00} more and our 10 year warranty ( {$310.00} ) is now void. The rules are not meant to help consumers instead they only benefits XXXX XXXX. We are now left without a fridge for 4 days and counting ... this sucks!!
Consumer complaint received 2023-08-17
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: Bread Financial Holdings, Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-08-19
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: EQUIFAX, INC. (NJ)

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. 

XXXX 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. 

They have marked my account with a charge off and a derogatory mark. My visions credit card was reported with unauthorized use and I had ordered a new replacement card that never was delivered. The account as of XX/XX/2023 is paid off. 

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 2019-04-10
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. (FL)

I have expressed that there were multiple fraud accounts and inquiries placed on my credit file over the past few years and Equinox, XXXX and XXXX are continuing to report fraudulent information on my credit file.
Consumer complaint received 2022-06-11
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. (GA)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nae-Mo Corp dba Matthews & Michaels (AL)

Today I received the 8th call from Matthews & Michaels Private investigator in XXXX, Texas Address : XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX They keep harassing me about a debt that my ex husband owes. My name is not on the debt. He calls during work hours. After numerous times telling them to stop calling me, they still will not stop. All calls are supposedly on a recorded line, and I know I have told them to stop calling me at least 6 times now. I will not and can not give them any information, they still call about every other week. I have finally blocked the phone number on my cell phone, but I am sure they will find a way around that. XXXX XXXX is the man that keeps calling me telling me that it is Urgent that I call and give them all information they require. That it is my responsibility to be sure that I get back in touch with them immediately.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (WA)

XXXX XXXX XXXX  sent me letter to confirm 2 disputes I have costing more than {$600.00} total taken from my acct. They state after investigation they are going to credit my acct. Ive called several times cause I never saw credit & asked for proof of credit. Kept getting the run around. XXXX has taken out {$13.00} a month from my acct from XXXX XXXX XXXX  for service to an XXXX XXXX that I cancelled service to in XXXX. When the co changed hands from XXXX to XXXX & transferred my acct to XXXX in XX/XX/XXXX, is when they started charging me for XXXX service. Whereas XXXX had it cancelled properly. I complained & explained that I dont even have a XXXX SIM card to use the watch which should prove that u didnt have or want use of it. I have letters showing that acct is inactive but they wont reimburse me. 
XXXX XXXX XXXX has misreported deragatory info to credit bureaus three times. Ive contacted them about mistake but was not helped. XXXX XXXX XXXX  XXXX XXXX XXXX has reported deragatory info to my credit bureaus & have stated I live in CA which is showing now on my credit. When I tried getting credit in XXXX state where I live, theyre telling me my credit report shows I live in XXXX  so Im denied.