davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I mailed a Multiple Inquiry Removal Letter on XX/XX/2017 by certified mail in order to dispute information in regards to XXXX hard inquiries to XXXX Experian, and XXXX, that was being reported on my credit report. They received the letters on XX/XX/2017 and they completed the request on XX/XX/2017 & XX/XX/2017. The request that I submitted included XXXX Hard Inquiries that were not factual and I received the same response for All inquires, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have tried contact the creditors for the past 3-6 months. I received no response or there 's nothing they can do. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 3 days after the receipt of my certified letter, one can assume that there was no investigated into the matter. I pan to purchase a home later this year, and having this many Hard Inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for Hard Inquiries that does not belong to me. I did not sign anything. This is unfair practices by the credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc (NC)

I opened an account with Paypal on XX/XX/2022 and I went through all of the verification and the last portion of it was just confirming my address after that I received an email from them letting me know that my account is permanently suspended so I gave Paypal a call I contacted representative and they stated that my account is going to be permanently closed due to Fax or something she said all the facts from accounts and I was telling the representative that that has nothing to do with my account is a Business account Basically theyre referring my account off of something else Im not Sure
Consumer complaint received 2015-04-20
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TENET HEALTHCARE CORPORATION (AL)

I was a patient at XXXX Hospital on XXXX. I did not have a solid place to live when discharged and used a mailing address for my mail. When discharged on XXXX I went to live with a friend and had my mail forwarded from the PO Box to a physical address. It was a temporary forward because the location to my mail box and the location of the apartment were not close and I did not know the length of time I would reside there. In XXXX I recieved an alert that a collection appeared on my credit report. I called in XXXX to see what was going on and it was for the co payment for services I received in XXXX. I informed XXXX that I never recieved a dunning notice or anytime of notice from there company that there was a balance.
Consumer complaint received 2016-02-13
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

I am disputing acredit card Idid not apply for I received it at Sears They said it was a gift Idid not recieve any application for this And I paid my card off in 2014 but I keep getting billings for this and I did not use this card My payments keep going up and up my bank history payments on this card are over XXXX Plus XXXX XXXX Now they have even tried to give me a number ending in XXXX. No card with this Number my card number is XXXX XXXX XXXX XXXX I refuse to pay anymore payments on this card
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: JPMORGAN CHASE & CO. (LA)

I WAS A VICTIM OF IDENTITY FRAUD/THEFT. I SENT CHASE BANK AND XXXX XXXX LETTERS AND FTC ID THEFT AFFIDAVIT AND BOTH OF THOSE BANK 'S REFUSE TO DELETE THEIR INQUIRIES THAT THEY SAY ARE CORRECT EVEN WHEN THEY HAD THE AFFIDAVIT I SENT THEM AND THE COPIES OF THE CREDIT REPORTS I SENT THEM. THEY BOTH ACT LIKE IT 'S NOT THEIR PROBLEM. I HAVE LETTERS FROM THEM STATING THEY WILL NOT/REFUSE TO DELETE THE INQUIRIES.
Consumer complaint received 2017-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

XXXX/Navient is being sued and that 's exactly where my loans came from. My entire tax return was taken to pay them back while I 'M HOMELESS WITH XXXX CHILDREN. I have already sent in an appeal to have my taxes returned with all documentation. I 'm reaching out here as well. If it 's clear that XXXX/Navient is in the wrong then PLEASE RETURN MY TAX RETURN. I need it very badly and worked very hard for it. I had a XXXX in XXXX and XXXX then lost my home so calling Navient when I normally do was extremely difficult. All of my hardships are documented. If this company has been found with wrong doing as it has been then would it not be fair to return money taken from me by them?
Consumer complaint received 2021-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

This company " COMMONWEALTH FINANCIAL SYSTEMS, INC ( cfsi ) has violated several of my consumer rights. on XXXX i disputed a collection, they deleted the collection and they put it back on my credit report without notifying me in writing within 5 business days. Under the FCRA part ( A ) ( 5 ) ( B ) ( ii ) this is a violation- Consumer protection afforded by the FCRA.
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Associated Credit Services, Inc. (OH)

I have spoke with this company and advised that this is paid in full and also called the regular creditor first energy on XXXX way with a rep to confirm and this was deleted off my report XXXX weeks ago and now brought back on my report XX/XX/XXXX. This is paid in full and i need this company investigated as soon as possible. I monitor my report and have been through many collection agencies with medical bills that has been scammers and every rep i 've spoke with have gave me different response. i have already spoken to someone weeks ago that already took care of this a deleted it
Consumer complaint received 2017-04-11
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: REGIONS FINANCIAL CORPORATION (LA)

I telephoned Regions Bank at XXXX pm CST on XX/XX/2016 to make payments on XXXX credit cards that were due that day. I was placed on hold for an excessive amount of time and was transferred between numerous employees who were unable to pull up my account information. I gave my credit card number, federal tax id number, name, address, and other personal information to multiple operators and none of them was able to find my account in their system. This prevented me from making the payment on the date that it was due. The incompetent service at Regions caused additional late fees to be charged to my account.
Consumer complaint received 2020-04-01
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: JPMORGAN CHASE & CO. (CA)

I write this letter as over the past 8-10 months or so months I have went back and forth between Chase 's Fraud and Disputes Departments regarding two unauthorized transactions on my credit card totaling the amount of {$13000.00} from XXXX XXXX. After noticing these two transactions I ordered a card replacement as I thought it was fraud, however Chase noted it was considered a charge dispute as I previously did business with XXXX XXXX. Transaction 1 was charged in the amount of {$9800.00} on XX/XX/2019 and transaction 2 was charged in the amount of {$4100.00} on XX/XX/2019. Neither of the charges were approved by me the consumer and services were not rendered. I attempted to address these charges through the Chase and I was told it was in fact the Chase 's Dispute Department would and had resolved since I previously had authorized the contractor for other charges. However on XX/XX/XXXX I received an alert from XXXX  that my Credit card balance had a dramatic changed and I noticed a charge back in the amount under dispute. I have submitted to Chase countless documents stating my position regarding the fraudulent activity of XXXX XXXX. 

I have bank statements and and contacts showing I paid other contractors to do the job.
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (TX)

National Credit Systems  #  XXXX  (  XXXX   XXXX   XXXX ,  XXXX , GA  XXXX , ) (  XXXX  )  XXXX  ) Placed Collection Balance {$1000.00} dated  XXXX / XXXX / 2017  Creditors where the   XXXX   XXXX   XXXX   XXXX   XXXX   I lived at these residents 4yrs ago I stop living there in good standing never had a broken lease the apartment people put this fraudulent frivolous amount on my credit saying I owe them after I moved out the resident for what I do not know I was not taken to court or placed under eviction also the apartment was filled with bed bug that 's why I moved. Please handle this complaint for me and let me know what I can do as a consumer to get this off my credit I feel like I am being abused by the apartment complex because I never had any problems with them and I feel like this is a unfair
Consumer complaint received 2016-03-27
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: ENCORE CAPITAL GROUP INC. (OH)

Sent a cease and desist letter to midland credit management on behalf of my mother who is suffering from XXXX..she is currently in a care facility and is unable to afford any bills..this cease and desist letter was sent out in XXXX of 2016..going through her mail today..there is correspondence from Midland Credit Management again asking for payment..
Consumer complaint received 2022-04-13
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 the Fair Reporting Act XXXX  Account # XXXX US DEPT ED, Account # XXXX XXXX/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602 A : states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 states : If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure.
Consumer complaint received 2022-08-04
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. (MA)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX XXXX and TRANSUNION decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove the listed items below : XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$4800.00} XXXX  XXXX Balance Owed : {$5500.00} XXXX  XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX/XXXX  Inquiry Date XX/XX/XXXX
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MI)

" Your complaint number with XXXX : # XXXX '' is the original CFPB complaint today after receiving my Equifax Confirmation # XXXX page XXXX of XXXX " XXXX of your creditors '' was provided my credit information. They fraudulently pretented to be a creditor to get it. This is illegal.
Consumer complaint received 2015-07-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SECURITY CREDIT SYSTEMS INC (PA)

I AM RECEIVING PHONE CALLS FROM A DEBT COLLECTOR. THE DEBT IS FOR ANOTHER PERSON NOT ME. I HAVE SENT A STOP AND DESIST LETTER. I AM STILL RECEVING CALLS FROM THEM PLEASE ANY HELP THANK YOU.
Consumer complaint received 2015-04-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MN)

I have been getting numerous phone calls on my debt. In XXXX day I will receive anywhere from XXXX phone calls and XXXX voicemails. They will call 7 days a week from XXXX to XXXX. They have discussed my debt with my family, friends, and references I used on my student loan application. They refuse to send me my original promissory note so I am unable to verify the amount I owe to them. Several of my student loans have reached the statute of limitations and they are still threatening me and are not helping me. I have tried to work with them but was called ridiculous and told I needed to be in a better frame of mind. I was hung up on XXXX while trying to discuss my options, that they wo n't talk to me about.
Consumer complaint received 2023-04-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (NC)

Ally offered a cash bonus program : enroll by XX/XX/XXXX, confirmed by email move money by XX/XX/XXXX, moved {$50000.00} on XX/XX/XXXX keep money in account thru XX/XX/XXXX, confirmed 1 % bonus ( XXXX ) to be paid on or by XX/XX/XXXX Corresponded 4 times with Ally on why I have not received my bonus payment this is response I keep receiving : Dear XXXX, Thank you for taking the time to contact Ally Bank. It is my pleasure to assist you today. I apologize for the delay in my response to your message and any inconvenience it may have caused Thank you for contacting us to let us know about your negative experience with Ally Bank. I apologize for any inconvenience that may have been caused. Customer satisfaction is important to us, so we take all complaints very seriously. 

I am sorry. Your inquiry is being researched. Due to the popularity of the incentive and specific nature of the inquiry, we can not provide a turnaround time at this time. Your request is a priority, and it will be worked in the order in which it is received. Your reference number is XXXX. 

We appreciate your business and want to thank you for choosing Ally Bank. If you have any additional questions, we are here for you XXXX hours a day, XXXX days a week, by phone, Live Chat, or Secure Messaging. Our toll-free number is XXXX ( XXXX ) or you can visit us online at ally.com. 

Sincerely, XXXX Customer Service Ally Bank
Consumer complaint received 2020-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (LA)

I paid off this card to a XXXX balance on XX/XX/2020. I contacted Goldman Sachs on XX/XX/XXXX to inquire about closing dates and when the updated balance will be reported to the credit bureaus. The answer that I was given was uncertain but the agent opened an internal dispute to look into getting the information updated. After not hearing anything back, I filed a dispute with XXXX in early XXXX and Goldman Sachs incorrectly reported this information as accurate. As of today, XX/XX/XXXX, the account is still showing an incorrect balance ( {$2400.00} ) thus affecting my credit score and my ability to make purchases. I contacted Goldman Sachs again today and the agent that I spoke with stated that the previous investigation was closed and that she will reopen another. According to my records, Goldman Sachs has not reported anything to the credit bureaus since XX/XX/2020.
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (GA)

Equifax is a complete joke. And Im saddened that you the CFPB designed to help consumers continually allow them to disregard the laws according to the FCRA. More than three occasions Ive requested that they furnish proof that the accounts Ive been disputing in fact belong to me. They have tried several stall tactics including continuous asking for identification which I supply with each and every dispute. They have failed on more than three occasions to provide proof but instead send copy of my credit report restating the inaccurate information. I have supplied proof that my personal information has been compromised through their data breach and still the accounts remain. The only thing that has transpired is the removal of fraudulent inquiries but the accounts again remain without furnishing proof that these are in fact my accounts. I am tired of these credit reporting agencies getting away with reporting inaccuracies causing financial damage and my credit reputation to be misled by what is being reported. I AM DESPERATELY ASKING YOU ALL TO STOP ALLOWING THEM TO CONTINUE TO EVADE THE LAW AND TO ABIDE BY THE FCRA AND PROVIDE THE PROOF IVE ASKED OR SIMPLY REMOVE THESE ACCOUNTS PERMANENTLY FROM MY CREDIT PROFILE!
Consumer complaint received 2020-04-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC. (AZ)

Ally Bank received the payoff from the car dealership for my car on XX/XX/XXXX. It is now XX/XX/XXXX in the car is not reflecting has paid off. It is also reporting negatively on my credit. This situation also it's allowed me to fund another car loan because I had too many active car loans showing. I specifically want three things, for the loan to be reflected as paid off immediately, for the negative reporting of my credit to be corrected, and to be compensated for my time and frustration. I'm not looking for huge amount, but something that is fair. 

Ally Bank claims that the payoff was sent to the wrong address, although on the internet it clearly shows the address where the payment was sent as the correct address. Regardless, it's all the same company in to take two weeks to reflect this car haven't been paid off on my account it's inexcusable. Again, I will reiterate, if in fact it was sent to the wrong payoff address, it was sent to a payoff address. Certainly Ally Bank must have means to correct this within 2 weeks ( I have all documentation proving the date of the delivery of the payoff check to Ally, gladly will share upon request ). 

I think the worst part of this entire ordeal has been the utter lack of concern by Ally Direct to correct their mistake. Really sad to see they are buying another bank to spread their horrible customer service to a bigger geography.
Consumer complaint received 2022-04-13
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

Had citi bank credit card. Received email offering {$300.00} bonus to open Citi Accelerate Online Savings Account. I did and did the requirements. Also at that time opened a checking account offering a bonus for the checking account also. 

I kept receiving emails offering the same bonus for opening a savings account. And also received a bonus offer in the mail for the checking account I had also opened. 

I called them XX/XX/2022 to find out why I was still receiving offers for a bonus to open a savings account and also a checking account bonus. I told the that I already opened a savings & checking account to get the bonus for both. 

I was hung up on 3 times that I called. The 4th time I called was told I did not sign up the right way so I don't qualify for any bonus. I told him that I clicked on the email to sign up. He still said I would not get the bonus. 
I opened a chat on XX/XX/2022 and was told the same thing. The guy said it was time for him to get off work so turned the chat over to another employee. This employee told me that I would get the bonus. I copied part of the chat with the second employee saying I would get the bonus. I told them I want an email verifying I would get the bonus. They will not do that. 
I checked XXXX and found they have a XXXX rating. I want to know if I leave the required money in the accounts for 60 days if I will or will not get the bonus and if not why? I was given so many outrageous excuses that I don't trust them. I also signed up to have both my monthly checks deposited in the checking account. 
I never had a problem with the credit card and had no idea they were dishonest.
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, Amount {$850.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. 

I am so tired of the credit bureaus disrespecting my privacy and not assisting me in reconciling these erroneous accounts.