davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
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. (MD)

TransUnion is reporting that six ( 6 ) accounts has ever been late, when in fact, I identified only three ( 3 ) accounts that is listed in the attached dispute letter. I am requesting that TransUnion correct their reporting to reflect true and accurate accounts as ever being late to my credit file. If TransUnion identify three ( 3 ) additional accounts outside of the three ( 3 ) accounts that I identified and shown in the attachment, that they please provide me with this information vial mail.
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (PA)

Account number : XXXX ( XXXX XXXX ) Account status : Closed Date opened : XX/XX/XXXX Account type : Cell Phone Balance : {$200.00} Status date : Date the creditor last reported information about the account payment status. 
XX/XX/XXXX Account number : XXXX ( XXXX ) Account status : Closed Date opened : XX/XX/XXXX Status date : Date the creditor last reported information about the account payment status. 
XX/XX/XXXX Account type : Utility Balance : {$180.00} After a recent review of my Experian credit report I noticed the two accounts listed above that are in collections. I had no knowledge of these accounts, I had no accounts with XXXX during the time of the accounts and I believe they were opened fraudulently or is simply an error. I have filed a identity theft report with FTC and have been reaching out to the companies thats reporting this information.
Consumer complaint received 2022-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (OH)

Credit Control , LLC fraudulently contracted with XXXX XXXX XXXX XXXX by purchasing a debt that has zero association with me, the consumer, XXXX XXXX. I have zero business whatsoever with Credit Control , LLC. Furthermore, the false reports are causing punitive damages to my credit report. XXXX XXXX is in violation of CFPB Consumer laws and is impersonating a creditor. Exhibit A is attached and is to referenced to reflect that violations incurred. I, the consumer XXXX XXXX, have been abused due to harassment and am seeking immediate results in the form of a removal altogether and compensation.
Consumer complaint received 2021-10-08
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: Medical Data Systems, Inc. (GA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XX/XX/XXXX Made purchase online for a tire, order # XXXX Dollar amount {$260.00} XX/XX/XXXX Received the item, but it was the wrong size XX/XX/XXXX Informed seller item was incorrect, they offered to exchange XXXX, received no further info from seller, initiated dispute with BOA card services XXXX Returned the wrong item, with tracking info to address provided XXXX Received conditional credit from BOA XXXX received confirmation from XXXX ( returned ) item was delivered and signed for XXXX Additional information to support my claim requested by BOA XXXX Requested info mailed to address provided XX/XX/XXXX BOA responded that the dispute was denied XX/XX/XXXX Claim reopened XXXX Claim denied again XXXX I called to speak with BOA, " XXXX '' , then " XXXX '' -She listened to the details, reviewed and agreed that it was clear that I had proven I returned the item, and had not received credit-she was to forward along to claim investigator dept. 
XXXX agreed that it seemed BOA was not acting in the interest of the consumer ( me ) XXXX BOA claim re-opened XXXX Claim denied, " we consider your claim resolved and we won't respond to any further correspondence relating to this claim ''
Consumer complaint received 2022-06-21
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. (TX)

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX / XXXX Account # XXXX Date opened - XX/XX/19
Consumer complaint received 2021-10-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Partners for Payment Relief (GA)

I am trying to refinance my first mortgage and the title examiner found a security deed on my title to a company I know nothing about. Supposedly I took out a {$48000.00} second mortgage on XX/XX/XXXX between myself and XXXX XXXX XXXX, XXXX. They are no longer in business, also the attorney who did the transaction XXXX, XXXX, and XXXX are no longer in business. There was another transfer of deed from XXXX XXXX to XXXX  for XXXX  XXXX  XXXX done on XX/XX/XXXX but their MERS is inactive so is the contact phone number XXXX. My current closing attorney, my loan officer, and myself have gone to their website XXXX XXXX XXXX which is only one page and all you can do it enter your name and email for them to contact you back. No one has contacted any of us even after repeatedly requesting information over the past month. Again this is not a debt I ever signed for, there is no reference to it on my credit report and I would never have known about it had I not tried to refinance my current mortgage so I need guidance on how to get it removed from the title of my home.
Consumer complaint received 2021-10-09
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: OneMain Finance Corporation (NC)

If ONEMAIN wouldve looked at the attachments, they would know and see the inquiry have been removed. A deletion is admission. I do not believe ONEMAIN improperly obtained my consumer report, but I KNOW ONEMAIN did. ONEMAIN benefited from my credit card, but I did not. That is a violation pursuant to 15 USC 1691 Equal credit opportunity which states, it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. Did ONEMAIN give me anything after obtaining my consumer report? No. Thats another violation pursuant to 15 USC 1681n Civil liability for willful noncompliance ( b ) civil liability for knowing noncompliance any person who obtains a consumer report from a consumer reporting agency under false pretense or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting or {$1000.00}, whichever is greater. ONEMAIN damaged my consumer report, and I am seeking relief.
Consumer complaint received 2021-10-08
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: CAINE & WEINER COMPANY, INC. (GA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (WV)

In XXXX Santander sent me and my husband a tax debt. Which we filed on our taxes and they got over 5,000 from our tax return that year. The debt has been paid in full and discharged. I have disputed it a number of times and Santander refuses to remove it from our credit. It has also been enough years for it to be removed, but Santander keeps upping the date so it can not be removed. Several people have complained about this company for this reason and much much more. There has been lawsuits for reasons such as this towards the company.
Consumer complaint received 2021-10-08
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. (NC)

I have been trying to remove XXXX XXXX XXXX from my Experian credit report since XXXX of 2021 due to a HIPPA violation. Experian says that the account has been verified even after I sent in proof of HIPPA violations twice. The last letter sent to Experian was asking for their method of verification which by law I am entitled to under FCRA 611 ( aB ( ili ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. ". Experian failed to provide me with their method of verification within the 15 days allowed by law not once, but twice. Instead of verifying how they investigated they opened yet another dispute which was not the intentions of the letter. I specifically asked for their METHOD OF VERIFICATION and they failed to provide it. Please remove this account from my credit report as it violates my rights. The only thing left to do after this is file a case with the court because this has been going on since XXXX and they refuse to truly investigate. HIPPA is a very serious law and Experian is not acting like it. My rights have been violated by the collections agency as well as Experian and I would like those accounts removed from my credit files!
Consumer complaint received 2021-10-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (SC)

I received a call XX/XX/XXXX from NCS I answered and the gentlemen proceed with his lines. I explained that I did not have any idea what he was speaking of he got loud so I hung up. The person called back two more times back to back and left voice mails about the same thing. I called the company and asked to speak to a manager and was told that they did not have one they would have someone call me back. I contacted the company they spoke of XXXX that they said I had a balance with. It has been a year and a half and this debt was never sent to me and the company I contacted about the balance stated they must have started working the file. I left my forwarding address when I vacated the property if it was a balance they never sent me a bill in reference to the balance. I was informed when I called XX/XX/XXXX that they could send me a ledger with the information on it. My concern is that the collection company has poor business practices why would you call me at XXXX the first call and I spoke with you. This man proceeds to call back at XXXX and XXXX and leave a voice mail both times. Had XXXX told me of the balance in XXXX it would have been paid here it is XXXX and I get a collection call that is poor business practice on behalf of XXXX as well and apparently I was not the only person that NCS called per the person I spoke with at the XXXX.

Companies XXXX  XXXX  and National Credit Systems
Consumer complaint received 2021-10-08
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. (CA)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (TX)

I received a collection call from Comenity Bank/XXXX  demanding that I pay a past due balance on a credit card. 
I have no such credit account. 
I checked my credit report and found that there is a Comenity Bank/XXXX  credit card opened in my name on XX/XX/2021, and which was charged to the limit immediately thereafter ( {$3200.00} ). 
I have never applied for this card, nor have I charged on it. 
I reported this to XXXX, and advised Comenity Bank of this. Comenity has not responded.
Consumer complaint received 2021-10-08
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. (UT)

For months I'm struggling with my credit file on Experian. Always that I try to apply for a new credit line, I get denied for the same reason : the lender says that wasn't able to pull my credit report. Which shouldn't happen, since I have around 5 credit accounts and a credit score above 700. 

After many attempts of contact by phone with Experian, I just found that I got a " Split Pin '' issue ( Aka : Split File, Fragmented File... ). Which means that I have two separated credit files with Experian. The first one, is the one with my credit accounts info, the second one, has 0 credit accounts, but is getting all the inquiries when I try to apply for a new credit line which the lender pulls from Experian first. 

Credit Report File XXXX : # XXXX Credit Report File XXXX : # XXXX The agent on phone at XX/XX/XXXX, said that found the issue and opened a case to fix it, and it should take 3-5 business days. ( Reference case number : XXXX ). 

More than 2 weeks later, I called back to try to get some update for this case, but the new agent on phone couldn't even be able to find this opened case, and didn't offered any possibility to fix it. 

I just don't know what to do anymore. I'm trying to fix it since XXXX. I already sent letters and spent hours on phone. I just would like to get this issue fixed and be able to apply for credit lines normally.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (FL)

An unauthorized ACH was made to my business ( XXXX XXXX XXXX, XXXX ) checking account on XX/XX/2021 for the amount of {$3900.00} at Regions Bank. On the statement shows XXXX XXXX I went to the bank on XX/XX/XXXX when I found out about it and I requested to file a dispute and I never received any confirmation or documents to support this transaction. 
The person at the Bank said to wait between 7 to 10 days for an answer that never happened and around that time I went back to the bank and they gave me a case number and a phone number XXXX ( Regions Bank Customer ) for me to call and confirm the dispute. 

Following their advice, I called to confirmed the dispute and never received a call back or email. 

I also called several times to XXXX XXXX XXXX XXXX  and because my company also has a company account that we regularly pay with company checks, NEVER by ACH. They checked and confirmed that there was no ACH or electronic payment from Regions to any of the cards or employee cards on my account. 

I reached out again several times with this matter to the Manager of the Regions Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking to refund my money an to investigate and he said they can not do anything else. This is fraude and I never authorized this ACH.
Consumer complaint received 2024-12-13
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: SYNCHRONY FINANCIAL (LA)

I was making payment as usual but then I have lost my job last year in XXXX, the company that provided the credit line is synchrony bank the company is XXXX, the lender charged off my account and write off the total balance and never send me form 1099C as I requested and on XX/XX/XXXX after a month of they charged off my account, they filed a sue trying to collect this debt. I believe they are braking collection laws since they reported the account as a loss and they need to provide 1099C so I report to IRS as income. I am attaching all the documents pertaining on my credit file and the court citation. Thanks so much for helping, and please respond to see what laws they are braking so I can use them as my defense. Thank you very much. 

XXXX XXXX
Consumer complaint received 2021-10-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I already filed a formal complaint with the CFPB against Bank of America, they inquired on my credit without my permission months ago, I got a call from BOA one time and they pledged to investigate and remove it, yet here we are several months later and I STILL have their inquiry on my personal credit report. This is unacceptable.
Consumer complaint received 2021-10-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cottonwood Financial Ltd. (IL)

So I am FEMA and I only borrow five and {$50.00} but now its for XXXX because in four weeks I wanted to pay back but at that time they were rushing him up all my blitzing me like a football player and then they would rush me and then hang up and rushing out call back four times where they would call the top of me and I said heres the money to take it yes it is is it is it letting it and then many times I mean I had told him I even more than that Im and I said you go ahead and take the money and then we were not its not my fault they dont wan na pay ask it clears alone and I dont wan na be in that is your fault he been harassing her back and theres three times harassing you dont you dont you want no money that Im sorry I will keep an issue they probably is every two days until Ill give up because they were just literally I think theyre related to XXXX XXXX of extended stay over in XXXX hurry up XXXX because I dont even understand I thought the cash I took the visa I tell you she wont even excepted after that I tell you I think it was the same way I would know I thought I was I was looking I say why would you be here this week is such a scam I did not wan na waste the money aside for doing hair is her pain it was supposed you know how to boost the on-time payments or was it was it going to be on time and by then why is it when I knew she was going as you feel like no you cant pay me you cant pay me like you know what kind of person like you can touch that you can touch it but asking for my money at the same time that she sent me to collections to classes right now because I was supposed only pay for and 15 hours double almost imagine thats illegal that is illegal in a few months CDC too so thats against the interferes with federal law and management so please and you dont write her up because I think they should close down I think its going to run anywhere XXXX this is like the worst where situation where I mean they dont look to be out when youre XXXX you know that XXXX after we try to pay you dont even get to trust them because its constantly and Ill like basically Slappy back as you like a ping-pong ball or or just like on an alligator alliances one
Consumer complaint received 2021-10-08
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. (GA)

In XX/XX/2020 an derogatory account was reported for the of {$2300.00} I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I am in desperate need of this account being removed.
Consumer complaint received 2021-10-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc (SC)

I get repeated calls from several numbers and have been trying to track who exactly is trying to collect a debt. Apparently they say the company 's name is ZFN & Associates. They say to call XXXX back on the voicemail but a XXXX is on the caller ID. Finally, this morning XX/XX/2021 at XXXX XXXX  I call them back to get the name of the company, of course, they talk extremely fast and I politely asked for whoever answered the phone to spell the company name. He was EXTREMELY RUDE and hung up on me. After researching ZFN & Associates I see they are connected with XXXX XXXX XXXX XXXX XXXX. 

I never confirmed whether I was who they were looking for. I wanted to send them a cease communication letter because I do not want them to call my phone number or anyone associated with me EVER again over the phone. I rather this company communicate with me through the mail, but after today I do not want any communication because they are rude and I will not do business with anyone or a company that doesn't know how to properly communicate with people. I do not acknowledge whether or not the debt they are collecting is mine, or not. But they need to be shut down. It's absurd and they should have another line of business.
Consumer complaint received 2021-10-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (NJ)

I dont know how they say am owning that such amount I never go the any hospital without my insurance card or without my insurance taking care of the situations, now they saying I own almost $ XXXX and they reported me to credit collection or sold it to credit collection to downgrade my credit scores.