davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (LA)

Credit Management, is attempting to collect a invalid debt from me, which I never made contract to pay them over know who they are. This is another collection agency XXXX XXXX has hired to attempt to collect an unverified debt from me. 

Credit Management has a WRONG ADDRESS on file for me and their amount is WRONG! They also CAN NOT verify the debt to me. Please delete this unverified account from my credit reports or I will sue them. 

I'm not asking to verify my name, address or social/date of birth, anybody can get that information. I'm asking them to follow the FCRA and show proof of a signed contract agreement, that I agreed to ever pay them any amount!
Consumer complaint received 2019-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC (TX)

In the month of XX/XX/XXXX, a collection agency Accelerated financial started reporting an open credit of {$910.00} from XXXX XXXX according to my credit report. This company has come out of nowhere and damaged my report for something i don't have. I contacted the original creditor by phone last month mid XXXX and i was advised by a customer service representative that my account with them was closed in XXXX. I asked the representative if the system is reflecting i owe a balance, and she stated no. I advised her a company is reporting i owe {$910.00}, and she stated she didn't see anything on her end because the account was closed. Its been over 6 since the account was closed with the original creditor. All of my debt if any has been settled with this company years ago. I have never had an account with Accelerated financial ever, and they are damaging my credit. Also, this company is false reporting things to all credit reporting agency 's. Also, this company has never sent me a statement saying why I owe this amount of money. This is effecting me with potential job opportunities. Its also making my credit score lower as well which it hard for me to get a new home and other things I may need. I never had a debt with this company, and dont know how it came about. If this agency continues to report negative inquires on my report, I will file a civil lawsuit on this company.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

Recently, I looked in a copy of my credit report and I noticed several of inaccuracies in this account. This account is hurting my ability of obtain credit. It is my understanding that you guys will investigate these terms for to ensure accuracy. 
Her is the item that I'm asking you to verify as accurate. 
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 2023-02-21
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. (CA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-02-21
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. (IL)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance {$900.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$720.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXX. Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2023-02-21
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it again, I need the accounts must be verified in my credit report. 
here are the aforementioned accounts XXXX XXXX XXXXXXXX XXXX Balance : {$4800.00XXXX XXXX XXXX  XXXX Balance : {$4100.00}
Consumer complaint received 2023-02-21
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update this suspicious account. I think you have not validated this account. this account must be verified as soon as possible This was already included in my prior COMPLAINT and I am including it again XXXX XXXX Balance Owed : {$200000.00}
Consumer complaint received 2019-11-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On XX/XX/19 I visited a massage center called XXXX XXXX XXXX XXXX GA to get health treatment service according to vendor terms and condition. Initial charge was set to {$60.00} for 1hour body massage which I initially agreed with merchant. 
During the service I was presented a bill to sign in a dark room where it was impossible to see. I sign the receipt since we already agreed upon before the service. 
I then was told that the service was over in less than 20 minute and that I should pay extra if I need more massage. 

I lady providing massage had hard time speaking English as I could not really understand much of her statement and she had to perform trip back and forth to management and returned with another bill that I ignored the charge and what it was. 

She then started to perform some unsolicited activities to my body which I did not signed off for. So I found it not appropriate and I decided to leave the premise right away. I ask to speak to management but no one wanted to speak to me. 

I then noticed in my credit card bill from Bank of America that I was charged {$65.00} plus another charge of {$150.00}. not understanding what those charges were I opened a dispute with my credit card company Bank of America and surprisingly Bank Of America poor handled my claim and never wanted to help investigate the charges. I called the merchant who never return my call back. 

I am not seating with claim that Bank of America is not willing to help and wants to me pay for the fee for services that I never received and I was charged more than what I agreed to. 
My last fleeter from bank of America was denying my right to dispute the charge and told me to directly contact the merchant. 
From my logs Bank Of America Never contacted the merchant not established some communication with me to properly handle this matter. it seems to me that Bank of America and the Merchant may have some activities that I ignore and may wan to blame me and force me to pay the fees. 

Regard,
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX   XXXX XXXX GA XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.
Consumer complaint received 2023-02-21
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. (FL)

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : 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 2019-11-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance Collection Agencies, Inc. (AZ)

The company had incorrect contact information for me. wrong address and contact number. I never had my initial window of notification of this debt. when I reached out to them due to running my credit is how I found out this debt existed. They were vague, the amount was XXXX dollars as the amount I had paid already to XXXX they also added that I owe another XXXX dollars now the total is XXXX dollars. When told I should know that I owe this debt to XXXX I told them I already paid several amounts to XXXX. They continued to tell me that it could be the same amount to another provider for the same date. This is not enough to prove that I owe this debt.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-28
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: EQUIFAX, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX 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 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 2023-02-21
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. (DC)

In Accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX # XXXX XXXX XXXXt # XXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # 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 : Also states a consumer reporting agency can not furnish 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-11-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

Our mortgage was bought from XXXX XXXX to XXXX XXXX in XX/XX/XXXX. Sometime in XXXX we missed a payment. When we received a letter from them, we looked back through our records trying to find where we messed up. We kept getting late notices and we were sent to collections every month. XXXX also sent notice to the credit bureaus. We spoke with XXXX several times and everytime we got someone on the phone, they were having computer issues or " would put on note on the account ''. We spoke with a knowledgable lady at XXXX and she told us that they keep putting our funds in a " reserve '' account if the check we send in is for an amount different from the amount owed. Even if the money was sent in on time, it would be put into a reserve account, they would charge us a late fee and send us to the collection bureau. Everytime we call we get someone who doesn't speak English well, or doesn't understand what we are saying. I called on or approximately on XX/XX/XXXX for the same reason. {$1100.00} was sent in and it was placed in a reserve account. We asked to have a face to face meeting with someone to go over where the error is and find a way to fix it and we were told there is no one within 200 miles. XXXX was going to email us copies of all payments made from the time they bought our loan until now but of course the computers were down and they could only mail it. I just received them this evening of the XXXX of XXXX. Due to all of this, our credit has been destroyed. Everytime we think we are caught up, we end up going deeper in the whole and can not get a straight answer from anyone. Also, I tried speaking with XXXX XXXX   several times about PMI insurance. When we bought our house in XXXX, our mortgage was {$1100.00} and that included PMI. Our mortgage payments now are {$1100.00} and they claim we are no longer paying PMI. If we are no longer paying PMI, why hasn't my mortgage payments dropped? No one can give me an explanation for this other than I am not paying it.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I have contacted Chex Systems About this account being fraudulent and have submitted the proper documentation and the following bureau has refused to remove the account stating the information is accurate. I have submitted information that my address was never in a city which was stated in Kansas. The account was reported is as follows XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (IL)

Citibank stole over {$30000.00}. I NEED HELP. THEY HAVE ALWAYS REFUSED ME ACCOUNT ACCESS-I FOUND IDENTITY THEFT AND CITI REFUSES TO GIVE ME COPIES OF CHECKS IR WITHDRAWAL SLIPS. I WANT CREDIT. I WENT IN XXXX XXXX XXXXAGAIN XXXX XXXX XXXX XXXX PLAYS WITH ME, LYING, ETC. I NEED MY MONEY.
Consumer complaint received 2019-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CO)

I received the report for the Background check that my company does each year. My mother and I have the same first and last name so her credit items, name and addresses, shows up on my credit. I would like those items removed. She died in 2012. 

Her name is XXXX XXXX ( XXXX ) XXXX. 
A couple of addresses that I'd like removed as I have never lived in SC and did not live in XXXX, FL during the dates listed are : XXXX XXXX XXXX, XXXX, FL XXXX from XXXX AND XXXX XXXX  XXXX XXXX, XXXX, SC XXXX Thank you. 
XXXX XXXX ( formerly XXXX ) XXXX
Consumer complaint received 2019-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have had this account for several and was in good standings with a credit limit of {$4000.00}. Approximately 3 years ago I did experience some financial issues and a few of my payments were returned by my bank for insufficient funds. Upon notification from my creditor, I immediately made restitution and correct the payment error in a timely manor. Shortly afterwards the bank made the decision to close the account. Although the account was closed, i continued to make my payments in a timely manner and paid more than the minimum due.The creditor switched banks and I was given a new credit card to use and the card was closed shortly after wards staying it was sent in error due to deragitory information received from the former bank. Tried calling both companies to determine the information reported and kept being told that I need to call the other company as the new company did not have any history on the account. When I call the former company, they too refer me back to the new company. However, I tried to make my monthly payment as my due date with the former company was XXXX of each month. Their online system shows I have a XXXX balance and said no payment due, I do know I owe at least {$2500.00} and I am at a loss as to how to continue to make the regular payment.`The company is Walmart and is now merged with Cpital One
Consumer complaint received 2019-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CORELOGIC INC (FL)

On XX/XX/2019 I switched from cell phone companies. My new cell phone company was XXXX XXXX and I was no longer an XXXX customer. On XX/XX/XXXX I did receive an email from XXXX   in which they charged the month of XXXX. It was XXXX dollars. A couple of days later, I made a call to XXXX to ask them about the bill. One of their representatives checked my account and told me that they made a mistake. Days later, they put the money back into my account. A month after they emailed again. For the second time, they charged for the month of XXXX. Again they took the money from my bank account. I called them again and explained my problem. The lady apologized for the issue and told me that she would refer the case to the right department. This time she closed the automatic payment from my former account. She told me that I had to pay XXXX for one day with the service. She then processed the payment and told me not to worry about the issue. The next day the money was backed into my account. Four months later I received a letter from Credco a collection company. They informed me that my account was in the collection. I could not believe that this was happening. I called XXXX one more time and spoke with another representative. He did check my case, called his supervisor and apologized to me again giving me the same story. I did ask for a letter or email as my evidence but they refused. Still today I have my former XXXX account in collections.
Consumer complaint received 2019-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed two credit card accounts of mine that I rely on for everyday purchases and my own survival. I had reported fraudulent activity on my account because my identity had been stolen at the beginning of the year. They closed both of my accounts that I have never missed a payment on. Chase said they closed both of my accounts because too many inquiries on my report as well as unusual activity. Attached to this statement if a FTC report supporting my claims that my identity was stolen.