davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

In XXXX I received XXXX XXXX at the XXXX  by a XXXX  in Alabama. I had XXXX insurances and the final XXXX  from the secondary showed I owed {$0.00}. After speaking with the doctor billing office I was told by phone I didn't owe anything. 
In XX/XX/XXXX XXXX XXXX  XXXX XXXX purchased a large number of accounts from the doctor billing, mine was one of them. Since then they never attempted contact with me to let me know they thought I owed them money. 
In XX/XX/XXXX I received a communication from the collection agency Wakefield saying that they were collecting my debt with XXXX. It took a while to trace it back to that specific XXXX  cause they refused to add any information, but I finally did and got the information above from the doctor billing office. 
Since then I have offered multiple times a copy of the XXXX  showing my {$0.00} balance, but Wakefield says that their client, XXXX, refused that document and claims that my insurance didn't respond to their query. no further information. 
My insurance reached out to Wakefield volunteering any info they need. 
Wakefield is refusing to provide XXXX contact info and just want me to pay. XXXX XXXX is acting in an unlawful way, first not communicating to me ever, then sending me to a collection agency, then refusing documentation that shows the balance and untruthfully claiming to have contacted my insurance ( I asked them and they never received a call, email or mail from them ). Looking up the company there are a whole lot of suspicious things, like the address they registered the company at in XXXX and the fact that the listed 'manager ' hasn't lived at that address since XXXX https : XXXX I believe they have been doing this to multiple people, since they purchased a whole package of accounts just from that one XXXX.
Consumer complaint received 2022-10-20
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: Experian Information Solutions Inc. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-19
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 (NY)

I have recurring charges on my account from a removed authorized user, XXXX XXXX. I destroyed his physical card, requested a new card for myself, and set a freeze on the account. I have also tried contacting the merchant to stop charging them, but I was unsuccessful because I am not the owner of the account. 

Particularly, I want to prevent transactions from XXXX and XXXX XXXX XXXX from occurring on the account. 

I am unable to contact the authorized user.
Consumer complaint received 2020-08-20
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)

I didn't open any of these accounts I am apostate this is happening to me, please remove this from my credit report thank you. This is Fraud and every level and this need to stop I'm very stressed out that this is happening to me again please remove this from my credit thank you in advance.
Consumer complaint received 2022-04-08
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: JPMORGAN CHASE & CO. (NY)

i have multiple inquiries from XXXX XXXX XXXX that i didnt initiate and it is fraudlent and i want it deleted immediately 15 USC 1681B violation furnishing reports in connection with credit transaction not initiated by consumer XX/XX/2021 XX/XX/2021 XXXX
Consumer complaint received 2020-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (IL)

I have spoken with XXXX  XXXX/XXXX  XXXX  and per the manager they have been reporting my balances correctly to the credit reporting agencies every month. I have been sending letter to all 3 credit reporting agency letters every month since XX/XX/2020 to update my balance on my room place account but still has not been updated since XX/XX/2020. The balance is incorrect
Consumer complaint received 2024-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION (GA)

There are two inquiries listed on my XXXX credit report from Credit Acceptance that I did not authorize. I contacted Credit Acceptance and spoke with a XXXX she told me I need to dispute it with the credit bureau. I did not sign anything, I did not visit a dealership or ask anyone to run a credit report. Please remove immediately if not I will sue Credit Acceptance.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

On XX/XX/2020, I got a text from Citibank in regards to fraudulent suspicious activities on my checking card by text from XXXX XXXX. I immediately DECLINED all charges from XXXX XXXX within minutes of the charge since I did not authorize them by text. Additional to this, I personally called Citibank Fraud department where I confirmed to them that these charges were NOT from me, I declined all charges from XXXX XXXX, I CLOSED down my debit card and credit card for security purposes and ordered new cards. The next day, on XX/XX/2020, Citibank properly refunded them the charges. However, two months later, on XX/XX/2020, Citibank WRONGFULLY RECHARGED my debit card for the XXXX XXXX charges in the amount of {$470.00}. Since then, I have called Citibank almost 20 times during the past 8 months spending hours on the phone with them explaining over and over the situation again and so far, as of today, I still don't have my money back. The bigger fraud and thief here is Citibank holding my {$470.00}. I was in XXXX during lockdown for Covid in XX/XX/2020 and XXXX XXXX was not even open. If it was online order, it was NOT delivered to me. its every easy to prove that this is not from me.
Consumer complaint received 2022-01-17
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: EQUIFAX, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2022-05-04
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX  Accounts XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX accounts # XXXX, XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX, XXXX XXXX  XXXX account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2021-03-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (FL)

Good Evening, I would like to file a complaint against Chrysler Capital. I obtained an auto loan from them in XXXX of XXXX. The terms are 60 months at 18 % with a monthly payment of {$310.00}. According to my account statements, I've paid them over {$9300.00} since the beginning of my loan and my principal has only reduced by {$840.00}. I borrowed {$13000.00} and my payoff is currently {$12000.00} through XX/XX/XXXX. I did miss a few payments and my loan was deferred for a few months due to Covid-19, But this doesn't add up. I've contacted Chrysler Capital several times and they keep stating that the payoff amount is correct. I'm looking for any assistance you may provide.
Consumer complaint received 2020-08-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (TX)

CMRE showed up as 3 inaccurate collections on my credit report for the amount of {$2000.00}, {$260.00} and {$150.00} all from the same original creditor ( XXXX XXXX ) and same alleged hospital visit. I initially disputed collections online via XXXX. Results listed below and attached. 

Online dispute submitted for {$2000.00} on : XXXX Not removed. 

XXXX Not removed. 

XXXX Not removed. 

XXXX Not removed. 

Online dispute submitted for {$150.00} on : XXXX found to be inaccurate and deleted. 



Considering that the collection of {$150.00} was found inaccurate and removed, the remaining 2 collections for {$2000.00} and {$260.00} should have been removed as well but were not.

I have mailed numerous letters via USPS requesting validation of debt via adequate proof that it was me and not someone using my name or misfiled. As of XX/XX/XXXX, I began mailing them as certified mail in efforts to have these inaccurate collections removed. Another request sent in XX/XX/XXXX as well as XX/XX/XXXX. The responses received were irrelevant info such as a letter stating " account balance is accurate '' and other things failing to meet my request of the following : -What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verification or copy of any judgment if applicable -Identify the original creditor -Prove the Statute of Limitations has not expired on this account -Show me the you are licensed to collect in my state -Provide me with your license numbers and Registered Agent or Agent of Service Receipt of certified mail is attached. 

Last 3 letters sent via certified mail : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-04-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (TX)

First off, i financed the motorcycle and it got stolen a month later. Even after being stolen I always kept paying until XXXX when I stopped receiving my bill letters and when I called the creditor they said they didnt have any account under that social security number. Called again before I XXXX towards the end of XXXX and they said the same thing, I thought maybe they found the bike or it was like a COVID relief thing. When I came back from XXXX in XXXX i downloaded the XXXX app and few weeks later after that I got this notification of my credit dropping almost 100 points. I never got anything from anybody stating I was going into collections and nobody ever contacted me. I think its unfair that I tried to contact the creditor and they said didnt have an account with them and they just sent me to collections without trying to resolve this issue by avoiding this.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

DEPT OF ED AND XXXX BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. XXXX HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. 

RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE.

USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS
Consumer complaint received 2020-08-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

We were selling our home and needed a closing statement for our Home Equity line of credit of {$250000.00} from Bank of America. The closing was XX/XX/2020. I called Bank Of America on XX/XX/XXXX requesting the closing statement be sent to my Attorney. There was a XXXX  balance on the account and I was told the statement would be received on XX/XX/XXXX. My Attorney did not receive the Closing Statement. When I called Bank of America on XX/XX/XXXX, I was told by Supervisor XXXX there was a {$620.00} early closing fee that needed to be paid before the a the account could be closed. We transferred {$620.00} to the account that day. Again my Attorney did not receive the Closing Statement. To complete the sale of our home and the Title Company had {$250000.00} held in escrow until a Closing Statement was issued. 
I again called Bank of America on XX/XX/XXXX about this matter and spoke with XXXX XXXX and later with Supervisor XXXX. XXXX told me the delays were due to a " System Conversion ''  and we would receive the Closing Statement on XX/XX/XXXX. As of XXXX XXXX on XX/XX/XXXX this account has not been closed and my Attorney has not received the Closing Statement. We were given a Reference Number XXXX when we last called.
Consumer complaint received 2020-08-20
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 didn't open any of these accounts I am apostate this is happening to me, please remove this from my credit report thank you. This is Fraud and every level and this need to stop I'm very stressed out that this is happening to me again please remove this from my credit thank you in advance.
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (TN)

On XX/XX/2021, I contacted my bank, Citibank, online to make a money transfer from my Citibank Accelerate Savings Account ( account number XXXX ) to the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX account number XXXX ), with its branch office in my hometown of XXXX, Tenn, XXXX. 
When I called the Citibank consumer assistance phone number, XXXX, I was transferred to a Citibank customer service representative ( who I later learned was XXXX XXXX, working out of Citibank 's customer service office in XXXX XXXX, Texas, XXXX area. I explained that I wanted to transfer all of my funds from my Citibank accelerate funds ( balance of {$170000.00} ) to my XXXX XXXX XXXX account. She said she could handle the transer and wanted to know I wanted to transfer the funds through XXXX, explaining that XXXX was a national firm that made it easier to transfer funds from one financial institution to another financial institution. But she fraudulently attempted on XX/XX/2021, to transfer seven transactions to a private person named XXXX XXXX and another XX/XX/2021 transfer of {$20000.00} to a person named XXXX XXXX. I got all the transfers cancelled except one for {$160.00} to XXXX XXXX. Citibank in a letter to me on XX/XX/2021, acknowledged the possibility of fraud in these transactions and indicated they were doing an in-house investigation. Due to Citibank 's hundreds of offices and thousands of employees and complex online sites I was never able to determine the outcome of this investigation, though the Citibank employee XXXX XXXX had committed several apparent fragrant counts of fraud and attempted fraud. 
I have subsequently changed my Citibank accelerator account to a Citibank checking account ( account # XXXX ) and removed the bulk of my fund.
Consumer complaint received 2022-07-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. BANK OF AMERICA ACCOUNT # XXXX Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) The report contains information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( BANK OF AMERICA ) Making the report is NOT INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THE COMPANY HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.