davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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: CITIBANK, N.A. (NC)

Best Buy/CBNA took me to XXXX County District Court Division and the courts ruled in my favor. Best Buy/CBNA continues to report the account on my credit as a Charged Off account and it is causing me XXXX XXXX.
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WI)

Attempted to sign into Experian to view credit report. They have an incorrect email on file so anything I do is sent to this email which isn't mine. I have no access. I do NOT have an email that ends with XXXX.
Consumer complaint received 2021-06-15
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)

There are three accounts on my credit report that do not belong to me I have tried dealing with the bureaus as well as the furnishers but they will not help me out. I have not signed or authorized or own any cards like these I need them off my credit report ASAP!!! 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-06-15
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)

There are three accounts on my credit report that do not belong to me I have tried dealing with the bureaus as well as the furnishers but they will not help me out. I have not signed or authorized or own any cards like these I need them off my credit report ASAP!!! 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-06-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (IL)

I requested that ADS/COMENITY/XXXX  prove to me that I opened an account that's been reported on my credit report. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information to myself for their investigation of my dispute. This did not happen. ADS/COMENITY/XXXX  has been taking advantage of consumers during Covid and during my initial complaint that they ignored for years.
Consumer complaint received 2020-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: KLS Financial Services, Inc (FL)

In XX/XX/XXXX, I received a collection letter from KLS Financial Services , Inc. regarding and alleged debt of {$300.00} to XXXX XXXX XXXX XXXX XXXX XXXX. 

I immediately disputed the debt in writing, because I have not had a relationship with XXXX XXXX XXXX since XX/XX/XXXX, over 10 years ago. 

KLS responded that they were not obligated to provide any information regarding the debt, only the original creditor and the amount. This is in total violation of the Fair Debt Collection Practices Act.

In addition, KLS has been informed that I filed for Chapter XXXX bankruptcy in XX/XX/XXXX, a year after my relationship with XXXXXXXX XXXX XXXX had ended. 

KLS not only refused to provide proper verification of the debt, but they are reporting to the credit bureaus as a new debt incurred in XX/XX/XXXX. 

Even if the debt was valid, it's over 10 years old and uncollectible under the statute of limitations of any state. 

KLS is using illegal collection tactics to scam people into paying old debts.
Consumer complaint received 2017-06-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (CA)

I received a call from ARA, Inc. The ARA, Inc. representative started the conversation by stating my name and asking if that was me and then said " I have your social security number ending in XXXX '' and asked if this was correct. I told him I would not verify that until he told me what this was about. He said he knew my whole social security number and proceeded to rattle it off. Again, I told him I would not verify it until he told me what the call was about and he said he would n't tell me what the call was about until I verified my social security number and then he hung up. I called the number from caller ID back, and after being told they have no record of my phone number I asked to be transferred to a manager. I was told by the " manager '' that they were calling about a XXXX XXXX. I told her I did not have a XXXX XXXX. She told me they were calling about a debt from 1996. I told her that debt was written off a long time ago and that they were way beyond the 7 year statute of limitations and that they were clearly a scam at which point the " manager '' told me " we 're about to come after you '' and then hung up.
Consumer complaint received 2022-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I am a startup business and work off minimal funds for now and dependent on the ability to access deposits so I can pay my help, Chase Bank has done this three different times resulting in my employees looking for other employment., now it is Friday and the rest of my people are ready to walk out the door cause Chase has placed a 7 day hold on my check, I contacted the person whom wrote the check to me and they confirmed they received a call and verified the funds but still have a hold on it. I will have to shut my doors on my start up business due to non-payment to my employees thanks to Chase Bank! 
I have read the reviews and it appears I am not alone in my frustration and in my personal opinion they should not be allowed to practice banking and messing with people 's lively hood, today is the 1st and I can't pay my guys... I only hope they don't get evicted! 
Thank you, Chase, you're the BEST!
Consumer complaint received 2022-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of America allowed XXXX, who I reported as fraudulent, to steal my money & made a deal with XXXX XXXX XXXX Bank of America corroborated with XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX  has admitted to me in XXXX now XX/XX/2022 that a refund is necessary and that BOA can contact them but its lostvnow in fraudulent Bank of America !
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

My friend, paid me {$40.00} thru paypal for my lawn service. Next he sent {$3.00} when I mentioned to him that I would have to pay an atm fee to withdrawal the first payment of {$40.00}. Unbeknownst to me, later on, this friend claimed that his paypal account was hacked and the supposed hacker disputed both transactions and after gaining access back into his account, he was unable to cancel the dispute. I disputed the dispute on my end, and submitted screen shots proving that the charges should have never been disputed in the first place. In the end, only the lesser amount of {$3.00} was the only dispute that was ruled in my favor. However, that amount was not credited back to my account. At this point, my account with paypal remained at negative {$40.00} something dollars. In keeping contact with paypal, i was told that they could not see any details and that i would have to contact the financial institution that my friend XXXX disputed the charges with.. In the mean time, my account then sat at a negative XXXX Lets say the charges were not disputed at all.. The total that was disputed was totaled at {$40.00}. How is my account with pay pal now $ XXXX??? Something is terribly wrong here and i am having a difficult time getting paypal to help fix the situation. A paypal manager did a credit to my account in the amount of {$3.00} as a courtesy.. However that is not the solution i am seeking.
Consumer complaint received 2015-09-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I cosigned for my brothers private loans which are now with Navient. It was explained to me to make 1 yr of consecutive payments and my brother can then apply for the co-signer release so that my name an then be removed. We complied with those terms. Each month my brother gave me the funds which I logged onto the portal and paid under my account. My brother has no bank account mind you. All documents were submitted for processing as a year of payments have been made on XXXX 's account by him from my account. This evening I speak with the rudest member of management who basically tel ; s me application denied. XXXX ( myself ) has been making payments for the past year not XXXX. He is not credit worthy. Excuse me, how do you know XXXX has n't paid. He has paid, just because it was paid from my account with my banking info means nothing. You can not prove he did not give me the funds each month, when in fact he did. Navient dances around the truth to get money and will tell you whatever you want to hear. Then when you call them they dance around the truth to get rid of you. I can not let this go because I was under the impression, I 'd be released from being a cosigner after we met Navient terms & conditions ( consecutive twelve payments ). I am trying to purchase a home and Navient is hindering me from doing so with this loan. I did everything they told me to do and now they are going back on everything!
Consumer complaint received 2024-04-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp. (GA)

I got an email dated XX/XX/23 that didn't provide the required disclosures per 15 USC 1692g ( a ) and then when demanding verification I didn't get the 1692g ( b ) disclosures. The email purported the alleged debt buyer/collector to be the creditor and didn't comply with the FDCPA, in general. Because the account in question was allegedly subject to bankruptcy doesn't mean that the account was not in default when it was charged off and purportedly transferred makes Absolute Resolution Investments, LLC a debt collector subject to the FDCPA. The credit reporting does not reflect the dispute status and is thereby a violation of 15 USC 1692e ( 8 ).
Consumer complaint received 2019-08-02
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)

I could not believe when I saw different student loan accounts from different companies. I do not understand how these accounts ended up on my credit report. I only have a single student loan from XXXX XXXX. XXXX/XXXX, XXXX, XXXX, DEPT OF ED/XXXX   -- reported multiple times, 8 to be exact on my credit report., XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX. Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I have contacted Capital One Credit Card Serves and tried to get help with lower payments and to stop interest on my account until I get to a better place. XXXX XXXX were great and I have been on their program with 0 % interest and a lower payment since last year. I have been faithful and they have been decent. I have had several physical health challenges since XXXX of 2019 and as a result I had to down size on one of my occupations and finally stop it all together. I also had a sudden crisis XXXX of 2019-XX/XX/2019.with my home and contents that resulted in over 5,000.00 out of pocket ( credit cards ) expenses that were not covered by my home-owners insurance. To no avail Capital One will not work out anything with me except to waive a late fee. So, I have paid nothing, which seems to be the only alternative getting their attention and for lack of a better term, forcing them to work out a plan with me. I owe them XXXX I have expressed my desire twice to be accountable. I've expressed that I want to pay what I owe and that I am not looking to shun my obligation and it is like it falls completely on deaf ears. I am married, but, it is my responsability and my husband can not afford to pay this debt for me. I need fair treatment as I desire to give fair treatment to Capital One.
Consumer complaint received 2022-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

-For XX/XX/XXXX through XXXX XXXX ( and again in XX/XX/XXXX ), I worked for qualifying employers ( both employers have been certified via ECF with DOE/Fed Loan ) . For the above-noted time periods, I verbally ( over the phone ) requested a hardship forbearance ( from PHEAA and then Fed Loan Servicing ) on my federal student loans ( both subsidized and unsubsidized ). I did this because I believed that I could not afford to make the payments under a qualifying IBR plan. At no time did the customer service rep ever explain to me other options to lower my payments so that I could make PSLF qualifying payments, even though I indicated that I was a government employee interested in PSLF. The only paperwork I ever received from them was confirming my hardship forbearance request. I never received any information/documentation about the implications of this request, nor was I ever required to provide proof that I was eligible to receive a financial hardship forbearance. After the DOE announced the limited waiver in XX/XX/XXXX, I called Fed Loan Servicing several times and inquired with a customer service rep. about retroactively correcting this and was told that I could not do this. I forget the exact dates, but I called once in XX/XX/XXXX and once in XX/XX/XXXX. This forbearance steering by the student loan servicer has now caused me to not qualify for forgiveness even though I have worked for qualifying employers for over 10 years. The DOE temporary waiver rules ( and PSLF/TPSLF ) programs still do not account for this ( and it does not look like their negotiated rulemaking will help either ). I am respectfully requesting that CFPB review my and many others ' personal situations to show that this past forbearance steering has substantially negatively impacted many PSLF applicants.
Consumer complaint received 2022-07-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY (TN)

In XXXX I called Wells Fargo to bring my account current. I hadnt made a full payment since XXXX. I was told that their was nothing I can do, they were in the middle of pulling some information from the XXXX. My options were to refinance or pay the car in full. Thats it. I tried to refinance multiple times but I couldnt because of my credit. 

Fast forward to XX/XX/XXXX, Wells Fargo called me. They said my options were to reticent, or sell the car to a dealership or to make four payments to pay it off or to pay the car off. I was never told about the selling the car option, I told the person to pull up the notes from my last conversation with them. I was never told about selling the car, I was told two options and thats it. In which I started the process of filing for bankruptcy and talking to an attorney. 

I feel Wells Fargo deceived me. I was so stressed out about how to proceed with the loan, if I was given the option to sell the car I would have done it immediately when I could have gotten the most worth out of it.
Consumer complaint received 2022-07-07
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. (CA)

Since XX/XX/2022 I been trying to make correction in my credit report, the furnisher verified the disputed information as accurate and the credit reporting agency completed XXXX  investigations and has failed to make delete make corrections despite the fact that the information disputed can not be verified by the furnisher. Credit Agency deleted as they fit in order to complete investigations. Furthermore according to California Consumer 's Law, I am still waiting for credit agency to provide precisely the way the investigation was completed. As of this date, continues to report trade line incomplete and with errors. 
The furnisher, refuses to comply and has failed to comply with my request to produce documents requested for the disputed information. 
Attachment below shows a last attempt to fix the issue spent over an hour getting nowhere due to the unqualified employees, limit access or unable to escalate calls since they are all working from home or in XXXX. Lastly, the representative made me, in order to be able to assist me to provide the full social security number, despite the fact that I provided a full account #. 
Furnisher advised, " we do not have the records '', Transition verified that Xs were placed in the trade line because the furnisher did not know the information.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XX/XX/2021 I was trying to add my moms authorized user credit card into her XXXX XXXX XXXX. Immediately got a fraud alert on my phone that somebody was using my card. I called and provided asked information and was told by supervisor XXXX that the information is not sufficient to unblock the card.I asked to speak to a supervisor in the XXXX, she said they were doing an upgrade and asked to call back. Reached out to customer service via app they were not able to help. I am currently on vacation overseas, XXXX told me to get a letter from the bank to get verified. This is not acceptable I want me and my mom to be able to use cards. I did not provide them any wrong information to not to have my card unblocked. Please help.
Consumer complaint received 2022-07-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

Received auto email notification from PNC bank - Reported wire transfer of {$100000.00} + Cash withdrawal of {$100.00}, {$400.00}, {$500.00} New DEBIT Card request in person at local PNC-XXXX XXXX XXXXXXXXFL branch ( looks like ) end four-digit xxx XXXX ( as per auto generated email notification - do know full number ) in person at PNC-XXXX  XXXX XXXX - FL. - Also, as per local PNC branch/banker while looking at account activity someone also added new phone number XXXX ( unknown number ) by log in to same account on XXXX XXXX at XXXX PM. - its more than 3 weeks and I do not see our wire transfer $ $ back into our account. 
- As of fraud activities I talk to several bank officer in person and over the phone. and PNC bank admit that their office did not follow their own guidelines and pass wire transfer request without identifying right person. 
-I file complain at ETF online. I also file complain at local police dept., and I am very impressed with their help including their detective officer help. 
- As of today, I am kind of lost and do not know what i should do next?
Consumer complaint received 2022-07-07
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. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-22
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. (MD)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!