davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NV)

I was scammed by a company called XXXX XXXX. The company was supposed to cut my student loans in half after I was accepted into the program but instead they just switched my loans to a new provider and stole almost {$1500.00} of mine. I was told I was very lucky to have gained access to their program and I was one of the last ones to be accepted. The company employee had told me that I just needed to pay the first 5 months at a certain amount that was around {$260.00}. Then after the 5 months I would have my payments dropped to affordable payments and I would only owe half of what I had originally. I have gotten emails saying that the government is suing the company for unlawful things and I can not get ahold of the company. When I call it says the company is suspended and wont be back until who knows. I just want to get my loan right and not feel like Im getting scammed for making payments every time because thats what has already happened.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

On XX/XX/2020, I lost my wallet at a park and my Bank of America debit card was used that day to make purchases at 6 places totaling {$5000.00}. I called the bank that day to report my card stolen and filed a claim. They denied my claim saying that they used my pin to purchase. I did not make those purchases. It's FRAUD! I had them reopen the claim and told them they needed to look at the store footage, etc.. and see that it was NOT me making those transactions, nor anybody that I knew as the card was STOLEN. I don't know how they got my pin. Ask these professional hackers how they do it! 
They even made purchases at a XXXX XXXX XXXX and I don't even shop there nor have a membership! 
My other 2 credit cards were in that wallet as well and they were also used to make fraud purchases and those cards ( XXXX & XXXX ) approved my claims. 
I don't know why I am having such trouble with Bank of America as I have been banking with them for over 25 years! They have denied my claim 3 times! 
I did not make those purchases and need my money returned to me!
Consumer complaint received 2022-03-01
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. (FL)

In accordance with fair credit reporting act XXXX XXXX XXXXXXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 whom it relates. Did I give you written instructions to furnish this on my credit report?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2020-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc. (PA)

On Tuesday, XX/XX/2020 and Thursday, XX/XX/XXXX XXXX XXXX XXXX, XXXX was contacted via certified mail concerning the validity of a charged off account, for an alleged debt due them, in the amount of {$480.00}, which they've failed to validate a second time. A violation of my rights under the FCRA 611 Section ( A ) ( 1 )
Consumer complaint received 2023-06-10
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: Experian Information Solutions Inc. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-05-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

I opened a savings account to Goldman Sachs on XX/XX/2020. I made a deposit to their bank and ever since I've had issues logging in and accessing my funds. I tried calling and follow their directions in what to do and yet I'm still locked out. I deposited XXXX dollars and to my dismay they make it hard to access that money. Its not about the amount but the principality of allowing costumers their entitled money.
Consumer complaint received 2020-11-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (CO)

On XX/XX/2020, I received a U.S. Bank Reliacard for unemployment. I am retired, not unemployed, and did not request this card. I have tried calling U.S. Bank at several different phone numbers to report this but each number requires me to give information over the phone that concerns me. I do not wish to activate this card. I want to report it as fraud and possible identity theft.
Consumer complaint received 2020-12-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (IL)

Hey my name is XXXX XXXX and I opened an account with chime online banking my unemployment deposited on XX/XX/2020 on XXXX XXXX,2020 chime online banking randomly suspended my account with out my knowledge I didnt know until I was ready too use my card for a store purchased I called chime online banking customer service and they couldnt give me any information I was told to contact there support team only through email. And once i did contact chime support team they asked for documents too prove it was me and and did so with the best of abilities and I told them Im in a middle of a crisis with my XXXX  basically XXXX  and I jus need my funds released.it took me two days too get a response only after threatening them with the attorney general and lawyers and chime support responded with an email stating that there jus going too close the account and my would be refunded that was a week ago and I emailed them again asking if and when my funds will be released chime support team responded say they can not give me any details and stop responding
Consumer complaint received 2022-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc. (NJ)

I received two credit cards that I did not apply for. XXXX 's and XXXX. I called both companies and they closed both of them I just need to report this fraud cause I don't know what information was compromise
Consumer complaint received 2022-04-26
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: Experian Information Solutions Inc. (PA)

A XXXX credit card was fraudulently opened with my name and address but not with my accurate phone number. My credit score did not meet the requirements to open a card but when I disputed the account and agreed to payment options to remove the charged off account from my credit report. XXXX credit card informed me that there is nothing I can do to remove the the charge off account although the account is not mine and is a result of fraud.
Consumer complaint received 2020-11-18
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. (NV)

There was an apartment listed on my credit in which I have never lived at. I attempted to call the company and they said they never had heard of me either. Please remove them from my credit reports as it's hindering me from getting a place to live.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NJ)

I opened a credit card with CITIbank in XX/XX/2023, it was a premium card with {$95.00} annual fee and travel perks. I planned a trip in XXXX for 3 months and planned to use tha card since this card has XXXX reward points on XXXX spending as a welcome offer. And to make sure that card works internationally I gave them a call as well as mentioned in the app to let them know that I am travelling, so that my transactions are not blocked. 

But to my surprise even the smallest transactions of {$4.00} were blocked. And to unblock the card they could not do it over the call and required physical address verification. Which I did with the help of my friend. This went on for 3 times, same issue. So basically, my card was blocked for 3 months even after I unblocked it 3 times. 

So once I returned, I asked for compensation for the lost opportunity which I was denied and when I asked them to close my card they would not even refund my {$95.00} annual fee. 

My account has already been closed as per my request. But I believe I should be compensated for the Fee and the lost opportunity to earn XXXX reward points ~ {$600.00}. I can attach my XXXX credit statement for 3 months to support the fact that I did spend more than XXXX USD on that trip.
Consumer complaint received 2022-09-16
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: CORELOGIC INC (AZ)

Fraudulent inquires by the following companies without my consent. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX loan. XX/XX/XXXX Credco XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX US SM BUS Admin XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2020-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have been working on repairing my credit for about six months now. I have been consistently sending letters to Experian during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from Experian is hindering my efforts. I am trying to better myself and get a better job but Experian will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to Experian below.
Consumer complaint received 2020-05-01
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2021-01-28
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: Bridgecrest Acceptance Corporation (AZ)

Original contract was not correctly drawn, the car deal removed my daughters name off the car to get qualified without my knowledge. I was only the co-signer. They knew she would not qualify so the removed her and only ran the application with me on it without her and thats fraud. I contacted the agency and the said I was the only person on the contract. It was never just my car. The care belonged to her. The advised me that if I paid XXXX cash they would remove account. The guy send another deceitful letter and took my XXXX and applied it a payment and not a settlement. Again fraudulent. This company XXXX XXXX / bridge crest need to be investigated. Im sure Im not the only person they frauded
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Rausch Sturm LLP (FL)

I contacted RAUSCH STURM LLP regarding an alleged debt. The company received my request on XX/XX/year>, and claims to have replied on XX/XX/year>, per attached letter and mailing envelope ( stamped XX/XX/year> ), they are obviously engaging in fraud by back dating communication to indicate complying within the allotted time. Such behavior is egregious and completely unacceptable. I am therefore requesting compensation for such actions as well as this information deleted from my credit report. There is no response that could justify such action.
Consumer complaint received 2020-11-18
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. (NV)

I submitted a copy of my XX/XX/XXXX file to Transunion showing that there is NO BANKRUPTCY AND XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX IS NOT MY ADDRESS ON MY FILES WITH XXXX XXXX. The resolution side shows the deletion to the erroneous address and once again there is NO BANKRUPTCY SHOWING ON MY XXXX XXXX FILE. Transunion keep saying they verified the information with XXXX XXXX which is false due to there is a freeze and NO ONE can access my files but me. This is why I ordered a copy of my file from XXXX XXXX to send the copies to Transunion that there so called verification is false information. Please do not send me another premade letter stating it was verified! The items/accounts that need to be removed is : Chapter XX/XX/XXXXBankruptcy, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX need to be removed that is not my address, XXXX XXXX schools is not my employer, XXXX XXXX. I have uploaded my copy of the XXXX XXXX CREDIT REPORT! MAKE SURE THIS IS FORWARDED TO TRANSUNION. I DO HAVE LEGAL REPRESENTATION ON STANDBY. THIS IS MY FINAL ATTEMPT TO RECTIFY THIS PROBLEM! My employer is XXXX and has been since 2000.
Consumer complaint received 2020-11-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (NJ)

My family was away on vacation and when we returned we notice XXXX $ worth of fraud on our checking account. We immediately contacted the bank and we had to file two separate claims, as some Of the transactions were still pending and we couldnt open a claim to dispute them until after they posted to our account. The first claim ( {$50000.00} ) was denied while the second claim ( {$7000.00} ) was still being investigated. We appealed the first claim and that got denied as well. All TD bank keeps telling us is that we performed the transactions. They refuse to talk to or investigate with the merchant. All they keep saying is the names match on the accounts. Someone hacked my XXXX account. Changed my Phone Number, to further access my account and perform transactions that are normally confirmed with a text pin. The card info is saved on XXXX. Someone used my Cards to send Money to someone using a similar name to our business name. It has nothing to do with me or my family although the names are similar. TD bank continues to say, the names match and XXXX said the person used the exact information. After talking to XXXX, they haven my old mailing address on file. So I asked TD bank how the card went through if XXXX had the wrong mail in address on file and they said that maybe the transaction was performed by my parents or my husband. This is {$57000.00} worth of fraudulent transactions. I have XXXX kids and no money left in my account. This has been going on with them back and forth since XX/XX/20. The fraud reps are extremely rude and accusatory. I thought I was going to have a bank help me in a time of need. Instead they accuse me of lying and performing these transactions. I faxed them paperwork and information to show it was not me who performed these and they refuse to listen. Now we have no money and both claims are denied. We tried speaking to a supervisor and that didnt help. They said theres nothing we can do!
Consumer complaint received 2021-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (CO)

On XX/XX/XXXX, Linebarger Goggan Blair & Sampson, LLP contacted me via letter in an attempt to collect an alleged from XXXX that is not owed by me. I requested proof of the alleged violation from Linebarger Goggan Blair & Sampson, LLP, and they failed to provide proof of the alleged violation, but are continuing to attempt to collect the debt.
Consumer complaint received 2021-10-13
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. (TN)

Apond checking my credit report, I have notice that I have had several fraudulent accounts and inquiries on my report. I have reached out to the credit report agencies to fix this problem due to identity theft.
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (PA)

on XX/XX/2020 i Contacted XXXX, XXXX, And experian about inaccurate information reporting to my credit report. According to the fair Credit Reporting Act section 609 this companies are required to verify information being reported on my credit report. On XX/XX/2020 i followed up with the bureaus because i Didn't get a response. Today is now XX/XX/2020 and i still have not received a response. I have been waiting for well Over 60 days this a a violation.
Consumer complaint received 2020-11-18
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: EQUIFAX, INC. (PA)

on XX/XX/2020 i Contacted XXXX, Equifax, And XXXX  about inaccurate information reporting to my credit report. According to the fair Credit Reporting Act section 609 this companies are required to verify information being reported on my credit report. On XX/XX/2020 i followed up with the bureaus because i Didn't get a response. Today is now XX/XX/2020 and i still have not received a response. I have been waiting for well Over 60 days this a a violation.
Consumer complaint received 2021-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (GA)

I received a letter stating that I owed XXXX XXXX a fee of {$65.00}. 
I called and spoke to XXXX to which I explained that XXXX did come to my house and determined that there was no cable running from street to house and that XXXX could not service my address. I told XXXX that I had a receipt showing all equipment was returned that same week. She said I still owed the money. I asked her how much time I had to resolve the issue before my credit was impacted and she claimed she did not know. I immediately called XXXX snd spoke with XXXX who said it was clear that an internal error had been made and he did a ticket ( XXXX ) to resolve the problem. I asked him to do a 3 way call to the debt collector but he said he could not. XXXX stated that it would take up to 5 business days to resolve. I am afraid that my credit will be damaged because of this mistake that I had nothing to do with. I did my part! Pls help, I am currently trying to buy a new home.
Consumer complaint received 2021-01-28
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: Experian Information Solutions Inc. (FL)

The credit bureau service is reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are from the following companies : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. They are also reporting unauthorized inquiries on my credit report on XX/XX/2019. The inquiries are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX. I have sent two certified letters to the credit bureau and received no response at all. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a severe breach of my privacy rights. The credit bureau has failed to respond to my request to provide me with validation that I authorized these inquires. They also failed to remove the inquiries as requested. The credit bureau has violated the Fair Credit Reporting Act by not responding or taking either of these actions within 30 days of receipt of my certified letters. I am requesting that the credit bureau be investigated and that the inquiries be removed from my credit report immediately.