davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
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. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXXXXXX 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 2021-08-11
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: Credit Bureau Services Association (TX)

CREDIT BUREAU SERVICES ASSOC is in violation of my privacy rights under HIPPA Law. I have continuously asked CREDIT BUREAU SERVICES ASSOC to provide me with a signed HIPPA release and they have continuously avoided my request but have sent private information about my injury and procedure. These accounts need to be removed from my credit file immediately
Consumer complaint received 2020-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (AL)

I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety.I have no knowledge of this company or alleged debt. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
Consumer complaint received 2022-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

medical debt in the amount of XXXX $ was paid for with promise of removal by ARS Account Resolution Services, XXXX XXXX XXXXXXXX XXXX, FL XXXX Payment Mailing Address : Account Resolution Services, XXXX XXXX XXXX, XXXX, OH XXXX Toll Free Phone : ( XXXX ) XXXX or ( XXXX ) XXXX XXXX has removed it immediately, XXXX and XXXX has NOT. 
this is effecting my my credit dramatically!
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (TX)

Several times we were contacted by number ( XXXX ) XXXX and finally on XXXX XXXX 2017 my wife answered. They disclosed information about a debt owed. She informed them that payment arrangements were already made. I then contacted the collection agency also informed them that the call was being recorded from my end as well. XXXX took the call and insisted that I owed a debt. I informed her that payment arrangements were already made ; she stated that we had missed a payment and for me to prove that a payment was made. She stated that we owed {$2700.00} and asked how I would like to pay for it. We do not owe {$2700.00} ; we owe only {$2600.00}. I have never received a written notice from this company ; additionally XXXX failed to inform me that I had a right to dispute the debt, furthermore she indicated that they just received the account on XXXX XXXX 2017.  On my credit report the name of a collection agency is XXXX XXXX XXXX ; XXXX informed me that her companies name was XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. Even though we have payment arrangements made with XXXX this company still insists that we owe the money to them.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (VA)

I initiated a transfer to my external banking account on XX/XX/2020. I've called multiple times to see when my transfer will be processed but I keep getting the run around. I was told it will take up to 5 days to process. I called on the fifth day and they told me the days did not include the weekends. I called again two days later and was told that the transfer would process later that day. It is now two days later and my money is still " processing ''. They have been holding my money for 9 days now!!! Including weekends! I have rent to pay and children to care for, that is ALL of my money! I need it XXXX!
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

On XX/XX/year>, I talked to Chime about getting back more than {$6000.00} that I was supposed to get as a refund, but it hadn't shown up. The Chime person suggested fixing the problem by disputing XXXX transactions one by one. This made things messy, and even though most were approved, some got denied, making my claim 's less believable. even after showing proof that the merchant refunded me and asking them to combine all the transactions to one single claim number, so when I upload the proof who ever investigate it will see the total amount of all transactions in the claim vs just one transaction amount. Chime decided to still send me denial emails and a email stating they are closing my account on XX/XX/XXXX without giving me all my money back or full credit while they contact the merchant
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Citibank credit cards department has been continuously discriminating against me based on my race and racial origin. they have insulted me multiple times and have refused to answer my complaints and investigate my charges of fraud against citibank, in the latest instances, citibank has posted two charges, of XXXX $ each, with posting dates of XX/XX/XXXX and XX/XX/XXXX of XXXX, both with transaction date of XX/XX/XXXX. Both charges are fraudulent, both have the same reference number, XXXX XXXX both charges are duplicate and triplicate charges of a charge posted to my account in XX/XX/XXXX. 

However, citibank refuses to acknowledge this and they retaliate against me for previously complaining against them to Consumer Financial Protection Bureau and raising the issue of Citibank 's XXXX discrimination against me. 
Please invesitigate Citibank. They are violating Federal fair Credit Act and anti-discrimination statutes. 
XXXX XXXX
Consumer complaint received 2017-08-09
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. (NC)

I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.
Consumer complaint received 2023-02-08
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX these NAMES are undeliverable by the US Postal Service.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX, XXXX  AND TRANSUNION ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2020-05-08
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. (GA)

XXXX continues to report false as well as fraudalent information on my credit report.Dispite me disputing multiple accounts for years they refuse to follow the law as according to Fair and Accurate Credit Reporting Act. 
1. XXXX was never late and they continue to report false information. 
2. XXXX XXXX was opened fraudalently and they refuse to remove it. 
3.XXXX XXXX XXXX  was never late and despite me faxing this company proof they continue to report false information. 
4.my credit age is wrong I have a XXXX student loan open for 18 years XXXX never reported any payments 5. XXXX is showing all of my open XXXX student loans as closed with a balance.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: COMMERCE BANK (CA)

I have a Commerce bank XXXX credit card. During the month of XXXX my access to the card was abruptly stopped. i was no longer able to log into my account and was not given information over the phones automated system about my balance or payment. 

Since then i have tried to reach out to commerce bank to figure out what's going on. I cant make a payment online or over the phone and don't know how much I owe. 

Commerce bank has reported me as 30 days late on my credit reports. They never sent me a bill statement and don't give me access to my online portal to pay.
Consumer complaint received 2021-07-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (NJ)

My husband and I co-signed on a private student loan with then ( Sallie Mae ), now Navient.

I have tried numerous times to contact them to have them change incorrect information our credit report. Navient posted that the loan was written off at {$7200.00}. However, my son actually is working with a loan consolidation agency, and Navient agreed to a {$5500.00}. Therefore the loan was not defaulted for {$7200.00}, it was deducted and paid for {$5500.00}. When I try to contact Navient to have our credit reports corrected, they repeatedly state that we are not even in their system. I also have tried to access our account through their online system, and a message there also states that our account can not be found. This is extremely frustrating because our report will never be corrected if according to Navient we don't even exist, nor ever had an account with them. How can this issue be corrected. This derogatory note has directly affected our credit. Please advise on hour to resolve this issue. Thank you.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I requested XXXX to send me my credit reports via mail since I was not able to access them online back in XXXX. it has been over 30 days now and only two bureaus responded. XXXX  and XXXX  said that they could not find my account or that I don't have one with them which is not correct at all. I sent all identifying information to them. Valid Drivers license, social security card and proof of address ( utility bill XXXX with my name on it
Consumer complaint received 2023-01-30
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. (SC)

This is my 9th request that 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 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 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I requested XXXX to send me my credit reports via mail since I was not able to access them online back in XXXX. it has been over 30 days now and only two bureaus responded. Equifax and XXXX  said that they could not find my account or that I don't have one with them which is not correct at all. I sent all identifying information to them. Valid Drivers license, social security card and proof of address ( utility bill ) with my name on it
Consumer complaint received 2020-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX I withdrew {$5000.00} in cash from CitiBank 's XXXX XXXX branch. The teller had the cash counted by machine and put in a cash envelope. I did not open the envelope until XX/XX/XXXX. No one but me and my wife knew of the cash existence and location. When my wife and I opened the envelope XX/XX/XXXX there were fifty {$20.00} bills instead of fifty {$100.00} bills. I had been shorted {$4000.00}. I called Citi on XX/XX/XXXX and they indicated that they would investigate. I have other details in my affidavit sent to CitiBank 's investigative unit. This affidavit was faxed on XXXX and mailed that same day with an expected delivery date of XXXX. The {$4000.00} cash was credited back on XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX at the XXXX XXXX bank saying she had great news for me. I called back but could only leave a voicemail. On XX/XX/XXXX I received a secure communication from Citi saying, " Your inquiry, R- # has been resolved. Please check your " New Documents '' in 24-48 hours for resolution details and related correspondence. '' I did not receive any " New Document ''. That same say, without notice, {$4000.00} was removed from my account and I only discovered that today upon reviewing transactions at the end of the month. There has been inadequate internal investigation.
Consumer complaint received 2023-01-30
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. (SC)

This is my 9th request that 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 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 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XXXX XX/XX/XXXX, I informed Capital One that I was a victim of fraud amounting to {$1900.00}, on an unauthorized transaction. I called them immediately after the fraud took place, and, my husband also called them seconds later, when he saw this transaction was pending to our credit card account. We both told the Capital One asscoaites this was fraud, and asked them to not process it. The next day, it posted to our account. In the next three weeks we worked with their Fraud and Dispute departments. On XX/XX/XXXX, they sent me a letter ( see attachment ) informing me their investigation was complete, and that I would be covered by their {$0.00} Fraud Protection Policy. The money was credited to my account on XX/XX/XXXX. On XX/XX/XXXX, my account was debited for the full amount. They did not call us as to why this latest adjustment was made. On XXXX XXXX, my husbands account was credited, and later that same day, debited that amount ( we do not know why ). On XX/XX/XXXX they credited my account that amount, and on XX/XX/XXXX, it was debited again. Since the initial fraud transaction, they have manually credited and debited our charge card account 8 times for this amount.
Consumer complaint received 2021-08-11
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. (FL)

I want to make a complain because I found accounts that do not belong to me. I do not recognize none of them. They just ruined my profile. Is that legal in general? Remove them please These are those accounts : XXXX XXXX  XXXX XXXX XXXX XXXXe 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 2021-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

This is a report on behalf of XXXX XXXX XXXX, XXXX On XX/XX/2021 someone got access to our newly opened business checking account # Ending XXXX which was open less than 10 days prior to this incident and transferred {$19.00} out of it to a party listed as ''XXXX '' We did not initiate this transaction nor has anyone been given the authorization to make this transfer.XXXX XXXXXXXX XXXX XXXX or its managers, members, or employees never had any transaction done with this person. Bank Of America does not seem to have any urgency to investigate and return the stolen money, this transaction was reported at the exact minute that it was happening and Bank Of America did not stop the transfer alleging that it could not stop a money transfer in progress. I filled the report with the bank promptly on the XXXX of XXXX report # XXXX and on XXXX the XXXX as well report # XXXX. XXXX XXXX XXXX, XXXX did not initiate this transfer it is a fraud as previously reported to our local Police Report XXXX. Please take action, Thank you XXXX XXXX
Consumer complaint received 2023-01-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (KY)

I had an Auto Loan through WellsFargo between XXXX. I believe I was misled and overpaying for my WellsFargo auto-loan. I ended up having to get my XXXX XXXX that was loaned through them repossessed and it eventually even messed my credit up so bad that I had to end up filing bankruptcy in XXXX.