davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (MD)

On XX/XX/2020, I discovered that immediately after XXXX XXXX removed this negative and false allegation from my credit report. XXXX then immediately transferred this collection to Sunrise. I'm sure in hopes to further cause damage to my credit. I contacted Sunrise that same day and they in turn sent me a bunch copies of bills that explain nothing and nothing regarding my dispute of what I sent to them. the email was as follows : After disputing this charge with XXXX they immediately charged my personal credit card without my knowledge or authorization. After doing so they then sent my account to a collection agency ( XXXX XXXX ). They immediately reported this negative information to the credit bureaus. After notifying them of the fraudulent acts conducted by XXXX, XXXX  XXXX immediately removed the damaging information from the credit bureaus and apparently now XXXX has sent this collection to your company. These dirty deceptive tactics have to stop. I know this is a regular practice of XXXX   and I am aware that they usually win due to the fact of consumers not being knowledgeable or able or willing to deal with the potential negative impact on their credit. The fact that they stole my money from a credit they should have never had on file and the fact the XXXX XXXX removed this from my credit is validation that should not be perused. 
However again in closing I do not owe this debt. This email will serve as evidence to CFPB that I have made an attempt to rectify this situation. Thank you in advance for your time and assistance regarding this matter
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I have never opened and or signed for the note loan under the account number in question with XXXX that is being reported on EXPERIAN and XXXX. When notifying XXXX of this, they validated this alleged loan debt by sending me documentation of a different account number from that which was being reported to XXXX, EXPERIAN and XXXX. 

I forwarded this incorrect information to the credit reporting agencies to confirm the inaccurate reporting. XXXX deleted the information while EXPERIAN and XXXX verified the differing information as accurate and continued to report the information in spite of my request for its deletion. 

In the month of XXXX XXXX reported to EXPERIAN and XXXX that I had made a reduced payment on what was a {$7400.00} balance to settle the debt and bring the balance to {$0.00}. I notified XXXX, EXPERIAN and XXXX that I did not make any payments, reduced or otherwise to bring the balance to {$0.00} and I also notified them that I did not open this note loan that the 3 of them are reporting. 

XXXX, EXPERIAN and XXXX continue to report this account with a balance of {$0.00}.
Consumer complaint received 2020-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have been being billed for services they are offering for free. And they are showing me all three credit bureau 's reports, but the information they are showing is incorrect. I also have an account with XXXX XXXX, they are reporting the account is closed on all three reports. This account is open and is current. I checked with them to see if it was a problem on their end. They said that they have been reporting to all 3 for the last 4 months and that my account is being reported open and current. There are also student loan accounts that are reported duplicate and are showing they are negative. There should only be 4 student loan accounts that should show closed/and paid.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (TX)

I am a 100 percent XXXX XXXX veteran as proven by the attached document. Ally has been trying to bully me into paying them more money after we already finished the lease agreement as everything showed a paid in full on my credit reports. Keep re-ageing the account and adding false information to the CRAs that I now owe them over XXXX! Previous credit reports showed that this was paid in full, now they are trying to push me to accept paying them an installment loan for debt that is not mine. Its very weird behavior. They have had the car for more than 4 months, now they come trying to scare me into giving them money. The keep harassing me with letters and have even called me, texted me and sent emails. I have no further business with them and wish to receive relief from these predators. They are affecting my already diminished health. I have not seen a bank so determined to exploit someone. Its almost like they don't know that I am educated in XXXX, and have excellent XXXX skills. I am exhausted with their harassment and I need relief. 

Also it should be updated to show that I was never late! They knew this and agreed to correct it during COVID! My identity was stolen and one of my accounts were closed. I was in the hospital for 4 months outside of the country. They understood that Federal law allowed for relief but decided to not be compassionate with me and update this account as they have done for others. I hope its not discrimination! 

Please have this bank stop trying to use consumers as a tax payer funded bailout! 

I am begging Ally to please cease and desist. Please delete this record, and do something else to try and fix your financial situation. Stop trying to take from poor and XXXX veterans! 

What you are reporting is not accurate! I never gave you permission to report it! There is no written signed agreement with a wet signature that you can provide showing that I agreed to whatever you all are trying to do now, 4 months after we concluded business.

Pleas escalate this to a manager and I pray he or she has compassion and just stop this. I am not well and can't keep dealing with this.. please!
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I have never been able to access my Fifth Third Bank XXXX Checking Account. 

I have spoken to multiple Fifth Third Bank employees, and received an inconsistent range of responses regarding this issue : I have been told my account should be immediately accessible ; that it will take 14 days to access due to a " system glitch we've known about for over a year now '' ; and have been hung up on when requesting a supervisor or escalation for this issue. 

I need to be able to use my bank account, that is why I opened it. When I advised I would be filing formal complaints with the CFPB and XXXX, I was actually ENCOURAGED to do this by local branch employees, so that " something would finally be done about this issue ''. 

This is a ridiculous, absurd, and disgraceful first impression of Fifth Third Bank. I won't forget it, and hope the rest of my tenure with Fifth Third Bank is smooth and painless. 

Thank You in advance. XXXX XXXX
Consumer complaint received 2023-03-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Medical Data Systems, Inc. (NC)

Medical services data inc is reporting a collections on my credit report for an amount totaling {$1100.00}. When I contacted the company they mentioned that it is my debt and when I asked for them to send me verification of debt they failed to do. The dates reported on collection is XX/XX/2022 I have no open medical record this is illegally being reported on my credit report
Consumer complaint received 2020-07-02
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: OneMain Finance Corporation (NY)

I have never opened and or signed for the note loan under the account number in question with ONEMAIN that is being reported on XXXX  and XXXX When notifying ONEMAIN of this, they validated this alleged loan debt by sending me documentation of a different account number from that which was being reported to XXXX, XXXX and XXXX. 

I forwarded this incorrect information to the credit reporting agencies to confirm the inaccurate reporting. XXXX  deleted the information while XXXX  and XXXX verified the differing information as accurate and continued to report the information in spite of my request for its deletion. 

In the month of XXXX ONEMAIN reported to XXXX and XXXX that I had made a reduced payment on what was a {$7400.00} balance to settle the debt and bring the balance to {$0.00}. I notified ONEMAIN, XXXX and XXXX that I did not make any payments, reduced or otherwise to bring the balance to {$0.00} and I also notified them that I did not open this note loan that the 3 of them are reporting. 

ONEMAIN, XXXX and XXXX continue to report this account with a balance of {$0.00}.
Consumer complaint received 2020-07-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (NJ)

About a year ago, after pulling my CREDIT REPORT, I realized multiple unknown accounts on it. After doing my own research, I realized that I needed to file an identity theft Police report, so I did. Then my next step was to notify the credit Bureaus that I was a victim of Identity theft, a few months went by and I got my credit report fixed. 
I, recently received a collection letter from CREDIT CONTROL LLC, trying to collect an alleged debt with an alleged current creditor name : XXXX XXXX XXXX XXXX XXXX, alleged account Credit Control # : XXXX with an alleged balance of {$480.00}. I did not even know where this account is coming from, I am definitely sure that this account does not belong to me. I am also attaching a copy of Identity theft Police report that I filed on XX/XX/2018, regarding an issue with identity theft.
Consumer complaint received 2020-07-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received a notice that a checkings account was opened in my name at Bank of America. I never authorized this action, and never submitted any signatures or approval for this. The account opened in question is called a Bank of America Advantage Banking account, which has management/maintenance fees involved. Since I never opened the account and won't put any money in, this account will potentially accrue a litany of ( invalid ) fees and potentially affect my credit negatively. I need this account closed immediately. Bank of America has used my personal information and identity without my permission in an illegal way. Absolutely unacceptable. This should not happen at a national bank of this level. I called Bank of Americas customer service line but never reached a representative and had the line hang up multiple times. I understand that COVID has increased call times, which has led me to report this to this federal department. Similar to the XXXX XXXX scandal where they opened accounts without user permission, it is clear Bank of America is doing similar criminal activity. 

Potentially relevant information : - I have 2 credit cards at BoA - Product name : Bank of America Advantage Banking account - Dispute : invalid account opened without permission/knowledge, misuse of personal information - Product was never advertised - Contract or any paperwork was never signed by me or anyone I know - Attempted to reach Bank of America on XX/XX/2020 ... placed on indefinite hold - Have submitted forms to Office of Comptroller & CA Attorney General
Consumer complaint received 2022-10-12
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. (CT)

DISPUTE CODE - 103 My personal information was stolen in 2018, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please delete and remove all inaccurate inquiries and accounts I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX [ FRAUDULENT ADDRESSES ACROSS ALL 3 CREDIT BUREUAS ] DELETE-40 XXXX XXXX XXXX, CT XXXX DELETE-XXXX XXXX XXXX XXXX, CT XXXX DELETE-422 XXXX XXXX XXXX, CT XXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2020-07-02
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. (NY)

XXXX XXXX ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX  until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. XXXX  only removed the 90 day late in XXXX. XXXX XXXX didn't do anything ... Equifax didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on XXXX XXXX and Equifax. The delinquency was not my doing.
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NC)

On XX/XX/XXXX at XXXXXXXX XXXX while I was asleep hacked into my chime account ( not been made clear how this was possible ). Then made a transfer of {$3200.00} from my savings to my checking account and then transferred {$3200.00} into another users account using the pay friends feature that user is XXXX. Once I found out I had been hacked around XXXX the same day I changed my account information completely and I attempted to contact and dispute the charge and they denied it instantly every attempt to call is met with the same rehearsed lines of we understand and our investigations team is working on it. Im honestly not sure as to how my account could have been hacked as Ive been a member of chime for a bit over a year and nothing like this has ever happened before. I have a text that I received the next morning that my number was changed on the account to a number that Ive never seen before and when I sent that to them they said it was not sufficient. I will upload that screenshot as well as other screenshots of the transactions and the user. I just would like to get my money back I worked really hard to save it up. The customer service team at chime was nice overall but not very helpful and didnt offer me much peace of mind that I would be getting my money back. My account was compromised and I think they are under the impression that I made a purchase. Any assistance with my issue you could provide will be greatly appreciated
Consumer complaint received 2023-05-23
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. (IN)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (DC)

I am filing a complain the CFPB because I returned items and never received a refund for what I returned. On XX/XX/2020 I purchased a number of furniture items from XXXX. One of those good included a table. After receiving the table I decided to return it. I contacted XXXX directly and told them I was returning it. I schedule the pick-up and then XXXX retrieved it on XX/XX/2020. However, XXXX never gave me a refund for the table that I returned. For this reason, I disputed the charge with my credit card company. However, despite showing proof that I returned the item in question my Citi credit card dispute was resolved in the merchants favor.
Consumer complaint received 2023-05-24
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$370.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX, XXXX XXXX {$89.00} XX/XX/XXXXXXXX XXXX  XXXX, XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$250.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX ( account number XXXX ) has late payments on my account from 2019. I found a buyer in XXXX of that year and began the process of selling the home. For whatever reason, it took XXXX XXXX until XXXX to process the payoff on my account. This is NOT MY RESPONSIBILITY. It is theirs. 

I submitted a dispute to all three bureaus with different results. XXXX  only removed the 90 day late in XXXX. Trans Union didn't do anything ... XXXX  didn't do anything. This should prove that the entire process of reporting and dispute handling is upside down with the lender. I want the 60 day late in XXXX and the 30 day late in XXXX removed from my file as well. I want the 90 day late also removed on Trans Union and XXXX. The delinquency was not my doing.
Consumer complaint received 2020-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Social Finance, Inc. (TX)

Executive Summary : SoFi unilaterially cancelled my debit card, after changing from Visa to Mastercard. After promising to provide a replacement, SoFi has failed, after four months and six requests via telephone, to provide a replacement card. 

Early in XXXX, SoFi informed me that it was changing from Visa to  Mastercard for SoFi debit cards, would be cancelling my SoFi Visa debit card, and sending me a SoFi Mastercard debit card to replace it. From memory, the Visa debit card was cancelled at the end of XXXX, XXXX. When SoFi cancelled the Visa card, I had not received the Mastercard replacement. As of today, XX/XX/XXXX, I have made six phone calls to SoFi customer service inquiring about the replacement. The next-to-last call, on XX/XX/XXXX, the representative informed me that although I had updated my address ( I moved from XXXX XXXX to XXXX XXXX at the end of XX/XX/XXXX, at which time I change changed my address using the SoFi app ), SoFi was still sending cards to my former address in XXXX   XXXX. After a phone call today, I have spent 3.1 hours addressing the situation. For a sixth time today, a telephone representative of SoFi promised to send my a new debit card to my XXXX address. As I have no confidence in SoFi 's competence to complete this task, I am escalating my complaint to the CFPB. In addition to demanding my card, I demand compensation of {$620.00} for the time I have spent addressing the issue. ( {$200.00} x 3.1 hours )