davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc. (IL)

Real Time Resolutions is reporting that I owe them for a 2nd mortgage that was released when the property in question went into foreclosure in XXXX. Their communication with my attorney was 'they 're looking into it. ' We have been attempting to get copies of any paperwork they have -- they have been looking into it since of XXXX. I am purchasing a home and have been delaying the purchase based on their erroneous reporting. Please assist in fixing ASAP. I need to provide a home for my kids. My credit is perfect outside of this company. Per my attorney -- it looks as if they've reported this without proof of paperwork. Please assist. 

Thank you
Consumer complaint received 2019-02-20
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Kinum, Inc., Indianapolis, IN Branch (CT)

Caller called repetitively in a continuous barrage of rude and unprofessional calls. He did not once state his business. He was reluctant about giving up his name and who represented. He stated that " this will go on all day '' if he did not get to speak to the party he was seeking to speak with. He called 6 times in a row.After the second call he stated that his name was XXXX XXXX. 
The receptionist asked him not to call back and this was a place of business and he should cease and desist or the police would be called. His response was that he would call the police himself. 
He clearly did not state that he was a debt collector trying to collect a debt. 
After some investigation the number came up belonging to Kinum Inc. a debt collection agency. 
This is egregious harassment.
Consumer complaint received 2024-10-24
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. (MD)

After reviewing my credit report, I have notice hard inquires i do not recognize. I have contacted the 2 CRAs and they refuse to dispute or investigate the inquires Attached is an FTC report indicating all of the unauthorized inquires below ( including personal statement section ) that should be removed 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquires. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person record of inquires in connection with credit or insurance transaction that is not initiated by consumer Equifax : XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX : XXXX XXXX  XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-10-24
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. (AZ)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2024-10-24
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. (PA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2019-02-20
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)

XXXXXXXX XXXX XXXX XXXXXXXX {$140.00} There is no contract, no valid claim ... account was settled with original creditor by XXXX XXXX and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 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 XXXXorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.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 items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I need your help with this false account appearing on my credit report. It has damaged my reputation as a customer, and I am seeking your assistance. These accounts need to be taken off as they are reported inaccurately and reflect poorly.
Consumer complaint received 2019-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc. (FL)

This was a bill generated after they couldn't collect thru my health insurance ; I've asked for more details on this invoice and never got it, also they never provided and specific date or treatment done and cost billed to insurance, as my insurance was valid and covering any treatments at the time. 
Also if it was a deductible, they never specified it in the bill.
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-10-24
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. (AL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2019-02-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Pendleton Capital Management (VA)

A family member called me and stated that someone called looking for me on the night of XX/XX/19. I got the phone number from the family member and immediately called. The rep that answered the phone stated my name and asked if that was me. I verified and the gentleman hung up. This was at XXXX eastern time. I then called back two more times and no one answered. This morning I called the number again. ( XX/XX/19 ) This time at XXXX. The lady who answered the phone stated my name and I again verified it is me.I asked what time they close for the evening and she stated " it depends, but XXXX ''. I explained what happend the night before and she stated she would transfer me to who I needed to speak with. She then transferred me to who I later found out was " XXXX ''. XXXX started off on an ok note. He verified my info and identified why they were calling for me. When XXXX told me what he was calling for, I set up a payment plan and gave him a card to put on file to to make my payments. After I did this I asked XXXX if they can remove the debt from my report because me making payments may reage the account. XXXX stated that it would report as a settlement. I told him then I would be better off not paying it until I can pay in full. I didn't want a settlement on my credit He asked if I still wanted to make payments monthly and I stated no. I will pay when I can pay in full. XXXX stated " well then we will report you '' and he hung up. I called back to make sure XXXX removed my card and knew not to run it. When I called back, I didn't at that time know his name so I just started talking. I assumed it was the same gentleman because I JUST got off the phone with the guy and he sounded the exact same. What I said was " I'm calling back to make sure you know to remove my card ''. He said I wasn't talking to you. I said oh ok, It sounds like you are the same guy. The gentleman on the phone said " What are you trying to say? All XXXX guys sound the same?? '' I stated, are you XXXX?? I can't tell that over the phone. He then said hold on. After maybe a minute, the SAME guy came back and started talking. He stated " We already sent your account over for processing. Make sure you have two forms of ID on you when they get you ''. I again stated Make sure you remove my card. He hung up the phone. I called one more time. This time a woman answered. When I asked for the rep 's name who's over the " account '' the woman stated " Oh Lord, you're calling back again! '' she put me on hold and sent me to the voicemail of XXXX. That's how I found his name. XXXX was very deceptive in trying to manipulate me to believe I would be arrested. He also never verified he removed my card. I also don't appreciate his usage of race in our conversation. Who does he know I am NOT XXXX?? I didn't care about his XXXX  and I still don't, so I am not sure why that was mentioned.
Consumer complaint received 2023-09-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: U.S. BANCORP (CO)

A bogus merchant debited my account for {$32000.00}. 

US Bank claims I had a merchant contract and I did not with have such a contract and they failed to provide any documentation. 

I was told by business services that anybody to take money out of my account, using my account number, routing number, and name I was told by the fraud department that I was supposed to contact the merchant who was the perpetrator. 

I have been stonewalled department I have been robbed of all my money and they say they cant do anything about it. Im trying to work with my local branch, but corporate is doing absolutely nothing. 

Please help. U.S. Bank is telling me law-enforcement is my only recourse. At this point, Ive contacted the OCC, the FBI, the Colorado Bureau of Investigation, local law enforcement, the state, Attorney General I have not received a response and at this point I am going to engage in attorney to sue US bank for negligence, pain and suffering, legal fees court costs and of course the original amount. 

Please investigate this matter so that it never happens again.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with DEPT OF EDUCATIONXXXX AND XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DEPT OF EDUCATIONXXXX AND XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-24
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Dear XXXX and Equifax While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) XXXX. ( XXXX XXXXXX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Sincerely XXXX XXXX
Consumer complaint received 2019-02-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My BOA accounts were not accessible online or through the app starting last night. I was able to speak to someone this morning and was informed my checking account was going to be closed. She would not disclose a reason why and just cited a robotic script regarding BOA 's contractual rights to terminate any account. 

This is completely preposterous. I am a platinum honors client and just deposited a check recently in the amount of XXXX to reach platinum honors tier. I saw that a hold was placed on the check until the XXXX. I never had any issues with my banking relationship with BOA since account opening.
Consumer complaint received 2019-01-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TCF NATIONAL BANK (MI)

Some time back my account was fraudulently charged mutliple times, I never gave authorization for these charges. I contacted TCF multiple times by phone, even spoke with a manager. TCF completely refused to work with me, to discuss the fraud activities and even refused to investigate them. I should not have to pay for charges i did not authorize. I trusted TCF to look into this and resolve this, instead they were completely and utterly inept, incompetent and completely unwilling to help me. They refused to file disputes, they refused to look into the transactions i told them were fraudulent. Furthermore they are trying to charge me for transactions that they technically didn't even cover. While they did waive half the balance bringing the new amount to about {$68.00}. They did not resolve the issue and expect me to pay for something that i never initiated or approved. This is borderline fraud from TCF. They have not only done that but placed my account in collections harming my credit score. I want the full {$68.00} balance on the account removed and the account removed from collections. If TCF is not willing to comply I am willing to sue them for unethical business practices, fraudulent activities including fraudulent extortion attempts, and personal damages, and i will make sure that they pay a lot more than the false {$68.00} they are trying to extort from me.
Consumer complaint received 2023-09-09
Product: Credit 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: SYNCHRONY FINANCIAL (FL)

On XX/XX/2023 XXXX XXXX XXXX in XXXX, FL charged my CareCredit card {$5000.00} for XXXX  services and XXXX  procedures not yet commenced. I disputed the charge and CareCredit reversed it. But on XX/XX/2023 CareCredit posted a {$5000.00} charge, described as " Merchandise Sale XXXX OH. '' I disputed the new charge, and I asked CareCredit to send me a photocopy of my alleged " signature authorization '' but they refused.
Consumer complaint received 2023-09-09
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: The Savings Group, Inc. (OK)

There are different inquiries on my credit that are unfamiliar. I do not recognize the following inquiries : 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 2023-09-09
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo created an unauthorized account that was opened from XXXX  to XXXX using my information and they are refusing to pay the invoice which has all the violation that were broking. I have all of the documents that show what they did as well as the current letters that Wells Fargo continues to be exposed for there terrible practices of being a financial institution. I also I know that all the unauthorized information that was send to the FDIC is also wrong which makes this matter worse. The executive refuse to talk about the matter and continue to try to throw my matter under the bus. I kno for a fact that Wells Fargo is still doing bad buisness and in my matter they have been doing it for along time, I have been dealing with this matter sense XX/XX/XXXX and thru all the pain an suffering they still wont come to and agreement. I have everything in document. Even the executive admitted to the violation her name is XXXX XXXX and I have it documented she was supposed to get back with me but never did. She admitted over the phone that is was a unauthorized account created without my consent. Not to mention there was another party in the account who I didnt even know. XXXX XXXX XXXX Again they are ignoring my matter because they know I have 2 years before the statue of limitations takes place and they are refusing a remedy for their actions This is unlawful as well as unprofessional
Consumer complaint received 2019-02-20
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)

Have been a customer of Chase XXXX XXXX Visa since 1991. Had maintained a large balance over the last 10 years, approx {$30000.00}, and was paying 23-27 %  interest on this balance. Evidently I was late for 2-3 payments, and Chase decided to close my account. Unfortunately, they did not NOTIFY that they were doing this. Chase was willing to charge me inordinate amounts of interest on my outstanding balance for years, especially the last 10 or so year, and with out notice or good reason, canceled my account. 

I called to inquire as to the reason for this, and they told me it was " systematic '' The account was automatically closed. Given the situation and the lack of notice, I feel this beyond unacceptable.
Consumer complaint received 2019-01-09
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. (IL)

After sending information to verify myself with my disputes ( XX/XX/18 ), XXXX, XXXX, Transunion have not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation.