davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-21
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)

I contested 2 collections on my credit report with Transunion and there is no status. 
The amounts owed are medical and hospital bills that are covered by Medi-Cal. 
I have been working with XXXX, a legal aid society of XXXX XXXX, CA, on contacting the creditors. Since the creditors are not cooperative and are not submitting the bills to Medi-Cal,  and they are not willing to communicate with the XXXX rep, XXXX has assigned the matter to a legal case and turning it over to their legal team. If needed, I have a copy of the legal packet. The bills go back to XX/XX/XXXX and XX/XX/XXXX and are from the City of XXXX and XXXX XXXX XXXX. The amounts are around {$4500.00} and {$1900.00}. 
I have myself contacted the creditors several times and submitted
my Medi-Cal information to them numerous times with no results. The XXXX has requested the creditors to submit a {$0.00} invoice to me and to the credit bureau but they are not cooperative Thank you
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I found and filed a claim with WellsFargo for two fraudulent ATM Withdrawals from my debit card on XX/XX/XXXX ( {$200.00} and {$2.00} ATM fee ) and XX/XX/XXXX ( {$100.00} and {$2.00} ATM fee ). The card that was used had never been lost- I had it on my person on both of the days where these fraudulent ATM withdrawals were made. Wellsfargo canceled my card immediately, sent me a new one in the mail and let me know I'd receive the results of my claim via a mailed letter. 

On XX/XX/XXXX I received a letter in the mail from WellsFargo dated XX/XX/XXXX that stated the claim was closed and they " found '' that the transactions were " made by you or someone who had your permission. '' The letter also states : " If you have questions, or would like to take advantage of your right to request copies of available documents we relied upon in making our decision, please call us ... '' I called WellsFargo on XX/XX/XXXX and the staff I spoke with said they have no available documents to share with me, and no information to share about how this claim was investigated. I filed a complaint with WellsFargo over the phone.
Consumer complaint received 2019-08-21
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: Experian Information Solutions Inc. (WA)

My XXXX XXXX account was put into collections on XX/XX/2019. I have contacted XXXX and they have told me that i have never missed a  payment. It is impossible for me to make a late payment when my paychecks get garnished each pay period. XXXX have told me to do a dispute with Experian. I have done so four times and they refuse to fix my report saying the information is accurate. I have even sent Experian proof of payments along with a letter from XXXX stating i have never missed a payment. I have disputed this with Experian the following dates and each one has said the information is accurate.XX/XX/2019XX/XX/2019XX/XX/2019XX/XX/2019I contacted XXXX on XX/XX/XXXX and they told me they let Experian know multiple times that the information is incorrect. How does this go straight to collections without being notified of a 30/60/90 day late payment?
Consumer complaint received 2019-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

My name is XXXX XXXX. I call TransUnion to Dispute on a debt, thats showing on my credit report. The account doesnt belong to me and I have no knowledge about it. I told TransUnion to do more investigation.just because they have my correct SSN and birthdate. 
I know, I havent open this account. 

XXXX. Lender name Amount is XXXX Date open. XX/XX/2017 I dont know anything of this account.
Consumer complaint received 2022-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Conn's, Inc. (TX)

Conn 's started calling me XXXX XXXX a day in XX/XX/XXXX. I have no debt with Conn 's and asked that they mail me proof of what I owe and to communicate only through mail. They have continued to call twice every day in XXXX. 

I have received nothing in the mail.
Consumer complaint received 2022-01-27
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: ALLY FINANCIAL INC. (TX)

Was divorced in XX/XX/2018, in which the exhusband was awarded the truck loan and I was not to be held financially accountable any longer. He allowed this loan to default and it has appeared on my credit report. I have attached the divorce decree which provides the court proof of this matter.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, 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. (VA)

XXXX XXXX. Paid on time never late. Monthly payment is {$500.00} XXXX XXXX Credit card. current account balance is wrong. monthly payment is {$500.00}. never late, no delinquencies. 
XXXX XXXX XXXX Credit Card. paid on time, never late. Current balance {$21000.00}. MOnthly payment {$1000.00} XXXX financial. account closed, paid in full, never late. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX originals. account close, paid in full, never late. account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX XXXX  XXXX. account closed. paid in full, never late. Account closed XX/XX/XXXX. As consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX. Account paid in full, never late & closed. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
XXXX XXXX XXXXXXXX. Account close, paid in full, never late. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
US Dept of EDXXXX XXXX. Account closed, sold or transferred. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yXXXX timeline since this account is not related to bankruptcy.
Consumer complaint received 2019-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

CFPB I contacted the FTC they informed me that you CFPB handle this type of case and and you keep sending the dispute to them FTC. Experian is fraudulently reporting an account that both actual furnisher XXXX XXXX sold to XXXX XXXX who stated on your dispute enclosed remove this account from credit report FACT 1 enclosed XXXX XXXX state remove account, FACT 2 XXXX XXXX state sold to XXXX XXXX, Experian has no legal right to report this account Fraudulent, misleading, deceptive, information on credit report a violation of FCRA, FCPA, and other federal laws. all facts enclosed .FTC states you the CFPB are the one to handle this dispute. I request that Experian remove this account at once as per the facts, and CFPB investigate this case I know CFPB can not give legal advise but the violation can be handed down for this type of reporting, Experian you will do as I request of I will file a class action law suit against you Not a threat but a promise I tired of your fraudulent tactics in this matter. fact, actual furnisher sold account, fact XXXX XXXX stated remove account from my report, fact fraudulent reporting is a violation with fines, fact all parties state fact enclosed to remove account I should go public about this to the News and the social media so you can answer the facts
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (MD)

Beginning in XX/XX/2021 through and including XX/XX/2021, unauthorized transfers of funds were made from my checking account. I brought this to the attention of the Citibank , N.A . fraud department five times and requested new ATM cards each time. I was not advised to close the account and move my funds to a new account linked to the new ATM card, which I believe might have thwarted the efforts of those defrauding me. I assumed that those committing fraud against me had somehow obtained access to my online account so I did not go online to check the account 's status and instead requested and received paper copies of my monthly statements from Citibank, N.A., which I have in my possession. Over the time period mentioned above, I watched my account dwindle almost daily. When I reviewed the statements mailed to me by the Citibank, N.A., I saw beginning on XX/XX/2021 thousands of dollars wired to XXXX accounts in California and hundreds of gift cards purchased by the co-conspirators from Best Buy, XXXX, XXXX, XXXX, and XXXX 's XXXX. I have these cards in my possession. There were also wire transfers to various cryptocurrency accounts at XXXX, XXXX, and XXXX XXXXTo reiterate, these unauthorized wire transfers continued through XX/XX/2021 depleting my account of more than {$250000.00}. I have used this checking account for more than 35 years for every imaginable payment, including taxes, rent, children 's education, food, and clothing. Now, I am retired for health reasons, but receive no disability payments so these funds are vital to me.
Consumer complaint received 2019-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (CA)

Commonwealth Financial Systems attempted to collect a previous medical bill debt that was already paid years ago. They also offered to discount the offer at 50 % off of the current balance in one payment. 

This was sent on XX/XX/XXXX on behalf of the original creditor, XXXX XXXX XXXX from XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, PA. They told me to take advantage of the special offer through my Recovery Representative. 

This debt was paid in XXXX and is a fraudulent attempt at collecting money no longer owed.
Consumer complaint received 2019-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (IL)

Last month around XX/XX/2019, I had filed a report for fraudalent charges against my Citi Visa Card. After resolution of these charges, they credited my account and then dropped my credit limit by {$2000.00}. I called them and protested. I asked why I was being punished for filing a fraud claim and your company immediately dropped my available credit limit. They said they didn't have an answer. 

I have been an excellent customer and Always paid my card on time. I am now being punished for no reason. They are trying to blame the credit reporting bureaus now which is nonsense. 

I could only see this happening if I didn't pay above and beyond on my card payments and pay well in advance. But I did. I did Not deserve this kind of treatment. I told them I would not shop at Costco anymore because of what they did. They did not care. 

My account number is XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-12-16
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. (IL)

This is my secondary 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 accounts 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 XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX Balance XXXX {$77.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ;
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NV)

Syncrony credit cards- when you have a promotional purchase, they do not apply, nor is there a way to set how much of your payment you want applied to, any of the payment amount you make. I have three promotional purchases with them - one for HSN and two on PayPal Credit, that are 6 months interest free, however, none of the payment you make above and beyond the minimum due, is applied to that promotional purchase. I've tried calling them and telling them that anything over my minimum is to be applied to that purchase, they tell me no. I must call WITH EVERY PAYMENT I MAKE and let them know how to apply it. That is the most redundant and asinine thing I've ever heard of. It's like they want customers to miss paying that in the promotional time period so they can charge the accumulated interest charges. No other credit card I deal with does this. I can set my promotional payment allocation on other card 's website so I don't have to CALL EACH MONTH to allocate my payment. So a six month promotional purchase of no interest is really not a six month no interest purchase because they catch you at month five and say " you're going to get hit with interest unless paid by xx date ''. It's deceptive in the fact that you think you are making payments towards this purchase when in reality, you are not, unless you CALL THEM and allocate your payment. This is totally geared for failure on the consumer 's part and nothing but gain on Syncrony 's part.
Consumer complaint received 2019-08-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

SINCE XX/XX/XXXX CHASE BANK LEGAL DEPARTMENT HOLDING MY CHECKING ACCOUNT # XXXX FOR NO REASONS AND ON XX/XX/XXXX THEY WITHDREW {$1500.00} WITHOUT ANY NOTICE. NOW I AM TRYING TO GET FACTS AND INFO BUT THEY ARE NOT PROVIDING ANY. 
I STOPPED BY AT CHASE XXXX BRANCH TO GET JUST LETTER TO SHOW MY CPA ATTORNEY XXXX BRANCH MANAGER XXXX XXXX NMLS ID:XXXX REFUSED TO COOPERATE AND FLATLY REFUSED TO PROVIDE ME LETTER, CHASE BANK NOT PROVIDING ME WHAT I WANT TO KNOW. 

WHICH LEGAL DEPARTMENT HOLDING MY ACCOUNT??? 
WHY THEY ARE HOLDING? 
WHY THE WITHDREW {$1500.00}? 
WHERE THEY SENT THIS {$1500.00}? 
HOW LONG THEY ARE GOING TO PLAY WITH MY ACCOUNT? 10 DAYS? 10 MONTHS? 10 YEARS OR LONGER?
Consumer complaint received 2019-07-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PlusFour, Inc (AZ)

I have received multiple phone call messages to my cell phone from plus 4 inc. Saying i owe a debt. I called them on XX/XX/19 and XX/XX/19 in an attempt to learn more about this claim as i have the means and always pay my bills immediately. They will not give me any information withour first me giving them my date of birth. I asked if i could give some of that but not all since I'm cautious about being scammed, nor have i received any other verbal or written communication regarding an outdated bill from anyone. They said they would not, and could not, do anything until i gave them my birthdate to verify i am who i am. I am willing to cooperate and want to ensure my credit is not tarnished because of my rights to be properly notified by any party of a debt that they feel i owe. This is unacceptable and will be defended fully. I simply seek to understand what the claim is for and about so i can validate it's true before i provide personal information to this company not knowing if it's a scam.
Consumer complaint received 2019-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (TN)

I am the victim of identity theft and several credit cards were opened using my personal information. I have filed a police report several times as a result of fraudulent accounts being established in my name without my knowledge. One store credit card in particular that was opened with TD Bank/Target was opened up online using my personal information. I have tried several times to resolve this issue with TD Bank/Target, but they have refused to accept my police report and identity theft affidavit. They have not provided any proof that shows that I was the individual that opened this account other than stating that payments were made. The credit card was charged up to {$350.00} at Target. I have provided TD Bank/Target with all my identification, proof of residence, police report as well as an identity theft affidavit used by their fraud department. They have refused to help me resolve this issue despite all of the documentation that I have provided.
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Plaintiffs, XXXX XXXX XXXX, files the following action against Respondent ( s ) Equifax Consumer Services, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX et al for violating 15 U.S.C. 1681 e ( b ) for intentionally and knowingly failing to assure maximum possible accuracy of information contained within consumer credit reports. XXXX XXXX 1. On XX/XX/XXXX XXXX XXXX requested, pursuant to FCRA 611 ( a ) ( 7 ), a description of all methods used to investigate and/or verify the accuracy of the reported information on alleged bankruptcies filed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 2. On XX/XX/XXXX, respondents stated to XXXX XXXX that the reported alleged bankruptcy was certified as accurate and refused to remove said information. At issue in the foregoing complaint is the failure and refusal of Respondents to remove unverifiable bankruptcy from consumer credit reports. There exists no possibility or mechanism for a Consumer Reporting Agency to verify any bankruptcy filings in accordance with 15 U.S.C. 1681e ( b ). All Federal Bankruptcy Courts are restricted from public disclosure of individuals personal identifiers by Federal Court Rule 5.2 ( a ) 1-4. Therefore, not enough information is contained with a court record for a Consumer Reporting Agency to comply with the statutory requirements of the law. In XXXX, the Respondents settled a lawsuit brought by all 50 State Attorneys in a lawsuit pertaining to the use of public records from state and local courts. As part of that settlement the Respondents created the National Consumer Assistance Plan, which in relevant part established enhanced standards ( effective XX/XX/XXXX ) requiring that state and local court public records be reported with at least a minimum of personal identifying elements to include name, address, full social security number and a complete date of birth. Because no Federal agencies intervened on the behalf of consumers, the Respondents opted to disallow Federal bankruptcies in these enhanced standards and requirements. WHERFORE, plaintiff requests that the Consumer Financial Protection Bureau find Respondent ( s ) in violation of 15 U.S.C. 1681 e ( b ) and AFCRA 611 ( a ) ( 7 ) and order an immediate halt to the reporting of bankruptcy information on all related consumer credit reports. Because Respondents have been fully aware that its actions violated the rights of consumers since at least XXXX, the Plaintiffs request that the CFPB join plaintiff in federal lawsuit.
Consumer complaint received 2022-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (FL)

MRS BPO, L.L.C FRAUDULENTLY COLLECTED MY INFORMATION WITHOUT MY CONSENT AND IS FORCEFULLY TRYING TO MAKE ME PAY THEM A DEBT THAT I DO NOT OWE TO THEM FOR AN ESTIMATION OF ABOUT 2 YEARS. I SENT OUT A DISPUTE LETTER IN ACCORDANCE WITH REFERENCE, REGULATIONS OF THE FCRA, CFPB, FTC AND HIPPA LAWS AND CONSUMER RIGHTS ; AND NEVER GOT A RESPONSE BACK FROM THEM. I NEVER GAVE THIS L.L.C AUTHORIZATION NOR CONSENT TO MY PERSONAL INFORMATION. NOR DID I SIGN ANY CONTRACT WITH THIS SAID L.L.C TO PAY ANY DEBT TO THEM. ALSO, IT APPEARS TO BE HIDDING BEHIND THE SHADOWS OF XXXX XXXX XXXX XXXX. THEY ARE NOT REPORTING ON MY CREDIT REPORT BUT INSTEAD REPORTS DISCRETELY TO ADVANCED RESOLUTION SERVICES, XXXX ( XXXX XXXX XXXX XXXXXXXX, XXXX ( RECENTLY MERGED ) AND SENDS OUT LETTERS TO ME WHICH IS MISREPSENTATING AND IMPERSONATING AS AN ATTORNEY FOR XXXX FRAUDULENTLY TRYING TO DOUBLE DIP ON A DEBT NOT OWED TO THEM. XXXX XXXX WROTE THIS OFF DUE TO HARDSHIP AT THE TIME MY MOTHER WAS DYING AND I WAS GOING THROUGH A BAD DIVORCED AND LOST EVERYTHING.
Consumer complaint received 2019-08-21
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: Experian Information Solutions Inc. (GA)

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX  (Original Creditor: XXXX XXXX XXXX XXXX) XXXX and XXXX XXXX   XXXX