davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-05
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: Bread Financial Holdings, Inc. (CT)

I have a Credit Card VS backed by Comenity Online bank. This card had 1 late payment 3years ago. I need them to remove the negative mark and stop sabotaging my score. I have written to them and they feel it's fair to keep this on my report. What can I do about this. XXXX XXXX.
Consumer complaint received 2017-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (WI)

On XX/XX/2017 I made a purchase of 9.9 gallons of gasoline in the amount of {$21.00} at the XXXX XXXX in XXXX, WI using my Discover Card. When I received my bill there was an additional charge for {$100.00} at this location which I did not incur. I first contacted the XXXX XXXX WI Sheriff 's Department and then contacted Discover Card. The XXXX XXXX Sheriff 's Department initiated Case # XXXX, and Discover Card initiated Case # XXXX. Discover Card initially rescinded the charge, but then toward the end of XXXX I received their determination that the charge was valid and had been put back on my account. 

I responded, detailing the vehicle I was driving and indicating there was no way I could have put approximately 55 gallons of gasoline in a XXXX XXXX as their determination indicated and that surveillance video would show that all I did was put 9.9 gallons of fuel in the XXXX. Discover Card dismissed my claims and is holding me responsible for the charge. Discover Card asked for supporting documentation for my claim, but there is no way to document something I did not do. 

Supporting documentation is attached.
Consumer complaint received 2021-09-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc. (CA)

To whom it may concern, Following on from a number of issues with GM Financial and continued deception in the collection of an outstanding balance of {$4600.00} On XXXX separate occasions they have attempted to collect incorrect amounts as follows. 

1. On the XXXX of XXXX, XXXX and XXXX they requested {$1000.00} with 12 payments of this amount showing as owing in their system. 
2. In XXXX they requested {$60.00} and showed XXXX payments of {$380.00} owing from the month of XXXX. 
3. In XXXX they requested a payments of {$330.00} being past due and an amount of {$1900.00} owing on the XXXX ( Exhibit A attached ) I have received excessive phone calls up to twice a day everyday for weeks and left messages on a daily basis requesting payment when the account was in good standing so therefore GM Financial is attempting to collect a debt which were at the time not outstanding I have spent hours on the phone to get this corrected and they have now come up with a figure of {$180.00} of which I have already scheduled the first payment. 

I continue to make every effort to resolve this and GM Financial continues to request the incorrect amount. I have no issues with the correct payment of the amount however given their multiple attempts to collect more than what is owed I would like the account to be removed from my credit file. 

I have discussed the matter with XXXX a " Consumer Complaints Specialist '' at the GM Financial corporate office and have been unable to get a satisfactory response to multiple emails sent requesting the account be deleted. 

I feel GM Financial are in breach using unethical methods to collect incorrect amounts which has led to false and misleading statements and incorrect credit reporting.
Consumer complaint received 2021-07-05
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. (FL)

ive viewed my credit consumer report and notice theirs alot of unrecognizable inquires that has been placed on my consumer file, XXXX on XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXXXXXX XXXX never gave______________________________any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter.

and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian, & XXXX are alleging I owe a debt that I do not. Neither credit bureau has sent me any evidence to support this claim and furthermore the note that is being used is the security that belongs to me. This debt has been canceled with the IRS and reported as income so therefore it can not be reported.
Consumer complaint received 2017-10-05
Product: Credit card or prepaid card — Store credit 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. (NY)

I agreed with Homedepot to replace my roof in XXXX XXXX. I applied for their credit card because the interest free offer for 24 months. I charge {$11000.00} for the complete job on the credit card.

The job was not done and the contractor stop responding to my requests to complete the repair. I called all the contacts I have for Homedepot and no one responded so I tried to dispute {$2700.00} of the charge on the credit card but the credit card would not want to initiate the dispute. I came here and file a complaint ( XXXX ). The credit card responded by initiate the dispute. 

The letter stated that it will take 120 days, which has passed for the investigation. As of today, XXXX XXXX, I did not receive a corresponding that the dispute is resolved. I have called them continuously for an answer and they flaunted with me by saying they need three weeks more or three days more to give me a resolution of the dispute. 

Today they said that they sent a letter to me in XXXX ( which I never received otherwise I would not have continuously call ). The person answered the phone at XXXX said XXXX XXXX is not available but someone else said that the dispute was closed in XXXX in favor of Homedepot. 

However, I received a letter dated XXXX XXXX, XXXX stating the dispute is only for {$2000.00}.

Homedepot did not complete the work and a contractor will charge me {$2000.00} to finish the work. Initially {$2700.00} but Homedepot does not want to pay for a damaged Sky window their contractor cemented closed on the roof that got damaged when I try to open it on a nice day.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

For three months Experian has denied me access to my credit report online subsequent a previous dispute. The report number is -- -- -- ( on email files attached-note various dates XXXX. Screenshots ( note XXXX data ) supporting the denials are also attached. 

According to info supplied by a credit card company, there have been unauthorized hard inquiries placed on my credit report XXXX only Experian, no other credit reporting agencies XXXX which negatively impact my credit score by XXXX points ; although my credit is still in the very good to excellent category with all three credit reporting agencies. 

However, Experian continues to deny me online access while simultaneously trying to sell me products and/or services of XXXX ( screenshot attached XXXX ; and I am unable to obtain the identity of the inquiries.
Consumer complaint received 2023-01-26
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. (FL)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synovus Bank (GA)

I am writing to dispute the accuracy of information contained in my credit report as provided by XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate the following unauthorized credit card account : I have never applied for or authorized the opening of this credit card account. I want to make it clear that I have never signed or applied for this account. As such, I request that you provide me with documented proof of the signature associated with this account. This proof may include, but is not limited to, a signed application form, a copy of the original contract or agreement, or any other documentation bearing my signature.Furthermore, the reported dates of last reporting and active status for this account are inaccurate.The address of the XXXX company are different across my credit reporting sites. I request a thorough investigation into these discrepancies. 
XXXX XXXX : XXXX XXXX address # : po box XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2017-10-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (PA)

Wrote letter on XXXX to XXXX XXXX that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised XXXX XXXX to removed incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from XXXX XXXX.
Consumer complaint received 2017-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

When attempting to dispute Items on my credit report, Equifax asks questions in addition to Items like social security number and address. 

There are a series of multiple-choice questions to be answered. When I answer the questions correctly, Equifax states that I have provided the wrong information, making it impossible to file the dispute.
Consumer complaint received 2020-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

XXXX XXXX XXXX allowed my ex husband to do a loan modification with only his signature on a home equity line that was court ordered to be refinanced and taken out of my name AFTER we were divorced 6 years. My ex husband then defaulted on that loan, it was sent to a collection company and both the late payments and the line of credit from the collection account are both appearing on my credit. I have all necessary court documents to provide as well as a copy of the fraudulent modification loan.
Consumer complaint received 2020-06-22
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. (GA)

I have made all the right attempts to have these fraudulent accounts removed from my credit files with all 3 bureaus ... I have never file BANKRUPTCY yet these accounts are posted to my credit file ... my file is thin and has always been ... I have never had many credit accounts ... these are fraudulent .... 

BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX BANKKRUPTCY CHAPTER XXXX DISMISSED REF # XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX {$560.00} none of this makes sense!!
Consumer complaint received 2017-10-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: MAS FINANCIAL SERVICES, INC. (CA)

Mas Financial keeps charging me for FORCED PLACE auto insurance when i have always had auto insurance with NO lapse of coverage.My insurance has proof of all the faxes that they keep providing to MAS and they keep calling and harrsing me about my insurance coverage
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

DATE : XX/XX/XXXX / XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX CONTACT : ( XXXX ) XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number : ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. 

To Whom It May Concern, I am writing to dispute a debt claim associated with Account Number XXXX. According to the information provided to me, this account was opened on XX/XX/XXXX, and is listed as a collection account with an original balance of {$1400.00}, which remains past due as of XX/XX/XXXX. 
I wish to bring to your immediate attention that this account is fraudulent and does not belong to me. This is not the first time I have had to address this issue. Your company has previously confirmed the removal of this account from my records several times, yet it continues to resurface, causing me significant distress and damage to my financial standing. 
This situation has severely impacted my life, affecting my ability to secure credit, purchase a home, and manage my financial affairs without undue stress. It is imperative that this matter be resolved once and for all. 
Given the repeated nature of this error and its significant impact on my life, I demand the following actions be taken : 1. Immediate removal of this fraudulent account from my credit report and confirmation of the same sent to me in writing. 
2. A thorough investigation into why this account continues to reappear on my credit report despite prior confirmations of its removal.

3. Proof of any supposed linkage of this account to my personal information, which I assert you will not find because this debt does not belong to me.

4. Assurance that this issue will not recur and that measures are in place to prevent similar errors in the future.

Please be reminded that under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute and demand validation of this debt, which in this case, is entirely fraudulent and wrongly attributed to me. I expect a response within 30 days of your receipt of this letter, providing the requested confirmations and assurances.

Failure to comply with these demands will leave me no choice but to seek legal advice and take further action to protect my rights and recover any damages caused by this repeated error.

Thank you for your prompt attention to this extremely distressing matter. I look forward to your written response confirming the final resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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 (FL)

Okay so I bought something on XXXX, it came defective so I returned it, after one month of constantly calling XXXX they told me they would refund me ( I have the screenshot ) after that they closed my account and told me they wouldnt refund me (? ) So I tried disputing with my credit card company but they didnt help me either, actually I think they didnt even submit the right reason for dispute, because the reason to close the case against my favor was : confirmation showing no cancellation per policy was received So Im asking here to please help me with this matter
Consumer complaint received 2017-10-05
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: URS Holding, LLC (CA)

XX/XX/XXXX {$370.00} Alltran Financial , LP claims there is an unpaid lease charges reported by XXXX XXXX XXXX. Alltran Financial claims I HAVE TO DISPUTE THE VALIDITY OF THE DEBT within 30 days, otherwise they will ASSUUME this debt is valid. I called their provided number and I have reached is a voicemail. 

I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX all obligations have been fulfilled and their record shows a zero balance. 

I have also called XXXX XXXX XXXX today after receiving the letter from Alltran Financial , LP, and confirmed my lease payment has been fulfilled and account was closed since then.
Consumer complaint received 2017-10-05
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. (NJ)

I ADVISED EXPERIAN TWICE THAT XXXX XXXX WAS AN ACCOUNT THAT I AM NOT AWARE OF, SUSPECTED FRAUDULENT ACTIVITY. I HAVE DISPUTED TWICE AND IT IS STILL ON MY ACCOUNT. IS IMPACTING CREDIT WORTHINESS THROUGH NO FAULT OF MY OWN.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (MA)

Im XXXX XXXX and I have a bank account with td bank. I had noticed on XX/XX/2021 XXXX that my bank account was hacked thru an app called cash app. I had XXXX saved in my savings account and when I had finally noticed all my funds being gone I had called my bank right away. My bank had put a dispute claim in and they denied it and there reason was cause I had logged into my Mobil app earlier in the day so I should have noticed it. Well it was in my savings and I never look at my savings account only my checking amount. I then had filed another claim on XXXX XXXX with td bank again and had told them multiple times that I had no knowledge that these funds where being taken from my account from XXXX  XXXX. I had reached out to XXXX  XXXX  before calling my bank and they had told me only way to get my funds back was to contact my bank which is what I had done. These funds have been taking out for the matter of 1 monthXX/XX/2021s when it started and had ended XX/XX/XXXX I believe and sent to someone names XXXX XXXX XXXX XXXX. And a XXXX  XXXX. nothing is still being done about it. I had told them I will be contacting law enforcement and a lawyer to bring them to court and there still saying its my fault that my funds were taken. I do not have XXXX  XXXX  nor do I send money on any money app. I do shopping online but with certain sites so Im wondering if that has something to do with my account being leaked. Im looking for all the help I can get in order for me to get the money I worked so hard for that was stolen from me. Im XXXX  and a single mom of XXXX  children and half that money was my childrens money for school and there daily needs. Im sick of fighting with my bank and then telling me due to me loggin into my mobile app is the reason why they keep declining my claim. Its not right that someone is able to do this to someone who works so hard for everything she gets. All I want is my money back thats all. I just dont feel its right that they believe its my fault someone hacked my account and now Im left with nothing and same with my children.
Consumer complaint received 2017-10-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

I took out several loans from XXXX back in XXXX. I had a substantial amount of debt with Navient / XXXX. After graduating, I was employed but making hardly anything to support myself let alone pay $ 1000+ a month.

After many many attempts of calling them trying to resolve something, I got nowhere with them. They would hang up on me, threaten me to sue me and garnish my wages. I got sarcastic back once and told them I work for my father and that he will pay me under the table. They did n't like that very much. The manager the one time screamed at me telling me I should 've never taken out the money if I could n't afford to pay it back. I told them I had a choice between going to college or flipping burgers, I chose the college way. Down right nasty. The ONLY OPTION THEY GAVE ME was defer my loan for 3 months for {$150.00} and after 3 months, they 'd ask for the full amount. That was my only option available. At the time, I had {$2.00} in my bank account due to a job loss and had no way to eat. There was no way I was going to pay them a cent towards anything. 

After getting nowhere with them, I stopped talking to them. I stopped answering any of their calls. I changed my number and address many times. They sent me many letters and all were ignored. My credit went to the sewers since. I can not even get a car in my own name, can not get an apartment or even a simple appliance from XXXX when my fridge died. Things have been very rough the past decade with money let alone having XXXX credit score.

I suffered for many years with credit issues because of them. I taught myself how to pay with everything with cash. If I do n't have the money, I do n't buy it. They would not work with me. They gave me no choice but to ignore them. I was tired of being yelled at and harassed. If I hit the lottery tomorrow, they still would n't get a cent from me. Stay far away from Navient. They are terrible to work with.