davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-04
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. (TX)

reported the ftc violations to FTC and now CFPB please get this corrected accounts : {$420.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX + {$50.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$47.00} Original creditor : XXXX XXXX  XXXX  XXXX  XXXX XXXX   XX/XX/XXXX Creditor Name XXXX XXXX XXXX  XXXX Account Type Secured Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$110.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status Creditor Name ATTORNEY GENERAL-XXXX  Account Type XXXX XXXX Account Status Open Opened Date -- Closed Date -- Limit -- Term -- Monthly Payment {$370.00} Responsibility Individual Account. 
Balance {$25000.00} Highest Balance -- Payment Status 120-149 Days Late XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened DateXX/XX/2016 Closed Date -- Limit -- Term 65 Months Monthly Payment -- Responsibility Individual Account. 
Balance {$10000.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$10000.00} Times 30/60/90 Days Late 14/1/1 Remarks Charged off account XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 64 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance -- Payment Status Collection/Charge- XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$420.00} High Balance {$420.00} Remarks Medical XXXX XXXX XXXX {$50.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX   XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$50.00} High Balance {$50.00} Remarks Medical XXXX XXXX XXXX {$47.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$47.00} High Balance {$47.00} Remarks Medical
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (MD)

I detected these hard inquiries on my credit report which are unauthorized and I do not have knowledge about. I reached out to all 3 credit bureaus to have them delete. Only XXXX did but XXXX and Equifax are still reporting inaccurate informations on my credit repor. 
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 2021-03-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (AL)

There is a fraud charge on my account as of XX/XX/2021 for {$7.00} from XXXX. I have called several time to get this handled. This charge is absolutely fraudulent. Way 2 Go card company is stating, they dont have reason to believe this charge is fraudulent because the information I provided doesnt add up. If one plus one dont equal two, I dont know what to tell them. I am beyond livid with the process and the service of this company. I have no reason to call in and close my card and go through all this XXXX service for XXXX dollars and XXXX XXXX cents, if it was not fraudulent. Who ever you all have as investigators they did not do their due diligence. Im a mother of XXXX and I just lost my mom and I wasted over 4 hours today alone, explaining to different representatives that this charge is not mines and I would like my money back. I called several times before and every encounter has been horrible with hours of my time wasted. The first time I called the representative told me I couldnt even flag the charge until it posted which was ridiculous. Im not sure how their process works but this all started with someone charging my account {$0.00}. and a {$15.00} and then it was supposedly refunded per the representative and I noticed the Kroger charge because representative went over the transactions. 
Overall I just want my money back. This company needs to be reported to the XXXX XXXX XXXX. There is no way Im just going to be okay with this company saying that this is my charge and I know XXXX well I didnt do this. There is not even a XXXX in my area. Basically every representative I spoke with from XXXX and XXXX both stated once the decision is made there is nothing you can do. 
So my concern is that this customer service is soo poor that just because you guys didnt do what you needed to do to protect my account Im just suppose to accept fraud on my account? I will take this to the highest extent possible to get my money back. I know they have done this to someone else and they take you through the ringer just so you want continue to fight for whats yours but I would like to have my money back and the corporate office information
Consumer complaint received 2024-12-06
Product: Credit 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: CITIBANK, N.A. (LA)

I reserved a rental with XXXX XXXX for XX/XX/XXXX with a pickup time of XXXX local time. The estimate for this rental agreement was {$960.00} USD. 

At XXXX local time I received an automated email with my rental agreement with an estimate of XXXX Euros ( {$960.00} USD ). I arrived at the rental counter at approximately XXXX local time, and I was instructed to go directly to the vehicle lot located on XXXX XXXX to retrieve the vehicle. 

I was handed the keys to the vehicle and the pickup location of the vehicle. When we arrived at the lot to retrieve the vehicle, we found an XXXX representative standing by a partially closed garage door who took our keys out of a small XXXX envelope and handed those keys to me. She then pointed to the vehicle on the other side of XXXX XXXX and let us know that that was our XXXX. I proceeded to the XXXX and did a visual inspection of the vehicle, but the XXXX representative was gone and could not be found. I found considerable damage to the driver side of the vehicle which I took photos of. 


We dropped off the vehicle on XX/XX/XXXX at approximately XXXX local time in the same location we picked up the vehicle which was outside of XXXX business hours. Since XXXX was unattended, we were unable to discuss the existing damage with anyone at XXXX. On XX/XX/XXXX at XXXX local time, I received an invoice from XXXX along with a document containing pictures of damage to the driver side bumper. 

XXXX claims that I am responsible for the existing damage to the front driver bumper and valued the damage at XXXX Euros. 

I opened case # XXXX with XXXX on XX/XX/XXXX related to this false claim and I am awaiting a resolution. I opened up the dispute with Citi for the amount of {$450.00} which is the difference between overall charges of {$1400.00} and the rental charges of {$960.00} USD for the vehicle. 

XXXX has asked me on several occasions if I've opened a dispute with Citi while XXXX works on things on their side since it can take up to 90 days for them to resolve. Citi has not provided me the protections I expect to receive under our card holder agreement. Citi has refused to accept my dispute.
Consumer complaint received 2021-09-16
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: TRANSWORLD SYSTEMS INC (NJ)

I have received correspondence from these two companies that I have no legal bound to trying to collect a debt with no contract or signed document by me giving them the authority to collect any debt from me. As the law requires curtain steps be taken before any company is able to collect any debt. this is a direct violation of the FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692d section 807 ( 1 ) ( 2 ). That leaves these accounts null and void.
Consumer complaint received 2020-07-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I had submitted a claim stating that a young lady that I raised and no longer in contact with walk into a Bank of America to open account the teller at the branch proceeded to tell her she already had an account but that was my money and old account that I had just deposited my stimulus check into this was and old account that still had her name attached to it but I had opened the account back when she was receiving ssi which she stop receiving in XXXX but kept the account open and was putting my money into the account she knew the money wasn't hers she even admitted it in a text she send my neice were she state that the teller told her about the savings account which allowed her take out every penny in one day all my saving which I feel the teller shouldn't have done I've been with BOFA for over 20yrs this put me in a financial hardship because of one unprofessional bank teller you came to the conclusion that there was no fraud committed but if the teller had not told about that account I'd still have XXXX in my account this was so unfair I think and exception could be made in this matter since you gave 60day to respond to your when I went to site to do so it would not allow me to state my discuss at you decision that I did not agree with I'm XXXXyrs old XXXX woman struggling to pay my bills that money that your teller told her about was my money my stimulus money and I have proof that that if not the teller opening her mouth I'd still have my money that could have paid my car note for 2 months please revisit my original claim I pray that you reverse your previous decision
Consumer complaint received 2021-10-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AK)

i submitted a complaint about incorrect information being reported on my credit report. its been well over 30days and i have not received any information about the results or status of an investigation.
Consumer complaint received 2020-12-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I disputed XXXX XXXX XXXX Acct # XXXX on XXXX by sending them a XXXX Validation letter. They never responded. On XXXX I also sent XXXX an letter to Verify the XXXX XXXX XXXX account. XXXX XXXX XXXX verified with XXXX but not with me. XXXX did not post on my credit report that I had disputed the account. XXXX should not have been able to verify an account that I was disputing with the creditor. I sent another letter to XXXX  on XXXX asking for verification of account and said XXXX  had removed the account. I sent a letter on XXXX to XXXX  stating that the Date of Last active with XXXX  and Trans Union were not the same. Keep in mind I still have not heard from XXXX XXXX XXXX yet for verification of debt. On XXXX I sent XXXX  a letter stating that the Date of Last active was not correct, The date account was opened was not correct and the comments were not correct. This was based off what Trans Union and XXXX were posting. On XXXX I filed a complaint against XXXX with the Attorney General of Indiana for not following the FCRA in handling my complaints. On XXXX I sent certified XXXX XXXX XXXX a Debt Validation Letter. No response so far and they have not contacted XXXX  that I am disputing them. my Credit report does not reflect it either. Also XXXX  contacted XXXX XXXX XXXX once again during this Dispute and XXXX Verified the debt knowing I was disputing the debt. They reported the debt as valid to XXXX and XXXX posted on XXXX that XXXX XXXX XXXX Certified that the information was accurate. I still have not heard from XXXX XXXX management about my dispute letters at all.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bay Area Receivables, Inc (MD)

I was using a month to month gym membership at a gym called XXXXXXXX XXXX XXXX at my seasonal home in XXXX XXXX Maryland. Started in XXXX and I called to cancel several times in XXXX through XXXX of XXXX due to Covid. Their voicemail simply just said they were closed due to Covid but I still left several messages saying I was canceling my month to month. They never got back to me and in XXXX I received an email from a company called XXXX XXXX out of XXXXXXXX MD saying that they were open and they started charging my visa. I disputed the charges and finally had to block them and called them to tell the I canceled my month to month with XXXXXXXX XXXX in XXXX but they told me I now have a 2 year contract with them and I can not cancel it. Its now at a collection agency who posted it on my credit report which Ive also disputed. I also called them and told them there is no contract, its not my account and I filed a formal complaint with the State Attorney General of Maryland. This looks like extortion considering I never signed anything with this mysterious company that I never heard of and Im curious how many other people theyre trying to pull this scam with. How are they allowed to attach it to my credit report without any proof of me being legally bound with a contract? I am very involved with my credit and have an exceptional credit history. Please advise. Thank you
Consumer complaint received 2022-08-03
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc. (MN)

this company committed the HIPPA violation Whom it may Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
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 that 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 ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from XXXX  XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. its a HIPPA violation I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Consumer complaint received 2020-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IN)

In XX/XX/2020, noticed my score tanked. Finally had time to investigate in XX/XX/2020. Discovered that somehow Experian has lumped an installment loan onto my credit card debt and has been reporting that I am way over my credit limit. This is totally untrue, as in fact I am under all my credit limits. This has caused my fico score to tank and I have been tryin to find a way to talk to a real person at this company but it is darn near impossible ... they only have so many prompts which lead nowhere and then they cut you off. There is no way to dispute this problem with them online. I have written a letter and that is all I have been able to do. I did reach someone live one day who said I was correct and they were wrong and he was expediting it to be fixed in a day or two. Not fixed three weeks later and still not able to get thru to anyone live again. This is ruining my life.
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX amount owe {$1100.00} XXXX XXXX Not My debt Called Company to dispute XX/XX/2020 COMPANY STILL HAS YET TO REMOVE/DELETE from my credit profile
Consumer complaint received 2020-07-04
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2020-07-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

This debit was presented on my credit file towards the end of XXXX. There was no previous record of this credit debit prior to this timeframe, although the origination and date of service reflects XX/XX/XXXX. The bill comes with various Doctor 's names from XXXX XXXX to now showing as a XXXX XXXX. 
The amount originally shows as {$1500.00}, {$240.00} and now is showing with the same debit collector as XXXX and {$250.00}, respectively. I spoke with a XXXX in XXXX of XXXX when I initially disputed the amounts owed. I requested verification of the debit, from the original Creditor, no such information was found or provided. 
I disputed the transactions again, XXXX. I was provided with an address : XXXX XXXX XXXX XXXX, SC XXXX and to address the dispute as Medical. I spoke with XXXX who stated I would receive correspondence via email regarding the initiation of my dispute. Again, this did not take place nor was the information I submitted disputing the charge was addressed. The Credit continues to XXXX my credit score as it continues to report the debit as delinquent. 
These medical bills are the only debits remaining on my credit that magically appeared only in XXXX. All other outstanding debits have been resolved/ paid. This is fraudulent and the reporting agency-DRS is propagating fraudulent activities.
Consumer complaint received 2020-06-30
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: EQUIFAX, INC. (TX)

FTC WAS FILED ON THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX  Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX  XXXX XXXX  Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2100.00} High Balance {$2100.00}