davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I came into the bank to cash a check and the teller instructed me that they need to speak with a manager. After they did so. They told me to make another account so I can deposit it. I did. And that account was denied for a reason that wasnt clear. After I deposited the check into my buisness account, that account was closed and my funds have been held for over a month. With no date of release
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AZ)

In XXXX of 2013, I tried to apply for a auto loan and I was denied due to bad credit. This is the first time I 've tried to obtain credit anywhere. When my mom was showed the credit reward, it was all of my father 's information ( bad credit ), but, under my name. We have the same name but different middle initial. We 've contacted XXXX, but, this is a nightmare to try to fix. I want to go to college soon, and will need to apply for student loans, but, with this on my credit, I wo n't be able to get any assistance. Please help!
Consumer complaint received 2016-01-20
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CITIBANK, N.A. (WA)

The last date paid was in XXXX XXXX and the tradeline should have been removed in XXXX XXXX. The records on my XXXX credit report states that they last received a payment in XXXX They are saying that it will be removed in XXXX XXXX which is well over 7 years.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NC)

i have contacted equifax office of consumer affairs on several occasions and have been denied access to receive copies of my credit report after providing all the documents that they requested also i was a victim of identity theft in the past and i fear that equifax has been reporting that information on my credit file i have tried to remedy this a lot of times only to be told that i can not dispute any information that i feel is inaccurately reporting. I have also asked them to remove all derogatory information that was related to the fraud only to be hung up on several different occasions I have documented proof that equifax has been adding information to my credit file without getting the consent from the actual owner of the information its self and not doing a complete investigation.. i have been told that i can not receive any copies of my credit report and that i can not dispute any information on my credit file even though the information is inaccurate. causing unjust harm and exposing me to even a greater risk when it comes to my credit file information violating my consumer rights
Consumer complaint received 2016-01-20
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ATG Credit, LLC (TN)

NONE of the above ... It 's not our credit issue. We have been repeatedly receiving phone calls for someone we have never heard of. The message left on our machine is absurd that it says to hang up if you are not the person ... .how does an answering machine hang-up if someone is talking? The company then goes on to talk about collecting the debt. I happened to be home & actually pushed '1 ' today & the system hung up so I called the number given XXXX. And the person was a smart aleck and hung up on me. I called back & no one said anything other than to identify the company as ATG Credit. I told them to figure out my number & never call back or I would be filing a complaint. Not even 2 minutes later my phone rang again from ATG Credit & the number XXXX. I called that & once again I said I would be reporting them. I just checked through all of my call history. Between these XXXX phone numbers we have had 11 other phone calls going back to XX/XX/XXXX. No one in our household have ever heard of this company, dealt with anyone with this company nor have we heard or know the person they ask for. We have had this number for about 10 months. It is our home phone that we give out to NO one. All contacts with us are with our cellphones.
Consumer complaint received 2016-01-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Element Global Services (OR)

I am getting at least 1-4 calls per day on my home and cell numbers from a automated caller claiming I owe a debt. I have never taken further steps to answer this automation as I am fairly certain I do not owe this debt.
Consumer complaint received 2016-01-20
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX. 2015 CITIBANK ISSUED A LINE OF CREDIT IN THE AMOUNT OF {$4900.00} OVER THE PHONE TO SOMEONE PRETENDING TO BE ME. CITIBANK IS HOLDING ME ACCOUNTABLE FOR THEIR ERRORS AND MISJUDGMENTS, I NEVER CALLED OR ACCEPTED ANYTHING OVER THE PHONE NOR DID I SIGNED A CONTRACT ACCEPTING ANY MONIES FROM CITIBANK OVER THE PHONE.I CALLED SEVERAL TIMES ON THIS MATTER TRYING TO COME TO A CONCLUSION NOTHING HAPPENED, THEY SAID I WAITED OVER 60 DAYS ON THIS MATTER WHICH IN FACT I DID'NT I MADE LOTS CALLS TO THEM I EVEN WENT TO THE BRANCH ON A SATURDAY CAUSE I WORK FROM MON-FRI XXXX. CITIBANK IS SAYING I 'M NOT A VICTIM OF FRAUD CAUSE I MADE THE CALL FOR THE CREDIT AND MISTAKENLY I WAS NOT THE PERSON THEY SPOKE TO.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FirstKey Holdings, LLC (CA)

I use a bill pay service. They send my payments so that the mortgage company receives them on time. My current mortgage company is I 'm sure holding my payments. They are n't cashing the check for up to 3 weeks after bill pay says they received them so they are late every month.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (GA)

I contacted Experian on line re : a turn down on a small loan thru my credit union. I was asked to pay {$1.00} for my report on line. 
I then received an XXXX withdrawal from my bank account for {$21.00} for their credit monitoring service that I never requested. I called the XXXX # on my bank statement and she kept referring to my membership of credit monitoring. WHAT? I told her to undue the unauthorized withdrawal. 
She said she would and the withdrawal processed any way. 
Experian has created a mousetrap with their ambiguous site. 
Please investigate these unscrupulous deceitful practices. 
Thank you for your help. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (IL)

This company is reporting false information on my credit report. I have requested verification and they continue to violate my rights. I have previously sent written correspondence to XXXX XXXX Bank requesting that all account information be verified and removed because this account ( 1 ) does not belong to me, and ( 2 ) is listing both negative and inaccurate information on my credit reports. XXXX XXXX Bank 's response XXXX was that I did not indicate what specific information you were disputing or requesting to verify. This is FALSE ; please see the detailed email below which shows all of the inaccuracies this company is reporting false information. I have also filed complaint with all three major reporting bureaus and have not received a thorough investigation as required by the law. This is a notice of complaint with Experian, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information and ownership of said account you have posted to my credit file. The date of last activity, payment history, and status* do not align across all credit bureaus. After further investigation on my part, I am also concerned that this account does not belong to me as I have never willingly opened an account with XXXX XXXX Bank, nor do I have any prior knowledge of said account. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX XXXX, this notice includes : Identification of the specific information being disputed : XXXX Experian, and XXXX reporting for Acct # not listed on either of the XXXX credit bureaus website, but pertaining to credit card account ending in XXXX. BASIS FOR DISPUTE 1. Date of last activity ( Inconsistent across all XXXX bureaus ) XXXX - XXXX XXXX XXXX - XX/XX/XXXX XXXX Experian - unknown/not listed 2. Payment history ( Inconsistent across all XXXX bureaus ) XXXX - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - Bad debt/Collection XXXX - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - None reported Experian - Late 30days XXXX, late 60days XXXX, late 90days XXXX ; worst delinquency - Collection ***Payment status is showing charge off from XXXX XXXX XXXX on XXXX ; however, Experian payment status is showing " charge off '' on XXXX XXXX XXXX XXXX XXXX, then " ok '' XXXX XXXX, XXXX XXXX, then " charge off '' again XXXX XXXX XXXX XXXX XXXX, then " ok '' XXXX XXXX and XXXX XXXX, then listed as " charge off '' XXXX XXXX. *** XXXX. Status ( Inconsistent across all XXXX bureaus ) XXXX - " Charge off '' Transunion - " Charged off as bad debt '' Experian - " Unpaid balance reported as a loss by credit grantor '' I also have NO knowledge of this account. 
Below I have attached a copy of my original letter to XXXX XXXX Bank, a copy of their response letter and a copy of the section of false information that is still reporting on my credit report.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXX ( XXXX  ) XXXX XXXX Presume that no proof of the alleged debt. Nor Therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX {$910.00}
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

I have already filed a complaint with the XXXX credit bureaus regarding negative items on my credit report. However, my complaint was ignored, and I was wrongfully accused of using a third party to submit it, despite providing my personal information. I want to make it clear that I personally submitted the complaint. If my complaint is disregarded again, I will pursue legal action against the bureaus for violating my rights. Additionally, I demand compensation for the damage they have caused to my life.
Consumer complaint received 2015-12-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: DriveTime (GA)

Some years ago my husband got a car from Drive Time which unfortunately was repossessed some years back. He ended up passing away last year. A few weeks back I was looking to co-sign for my son a car when and realized that Drive Time had just recently put on my credit report that the car was repossessed as if it just happened recently. On top of that I never co-signed for the loan as I had no source of income at the time but my husband. I am currently on a fixed income ( widows pension ) with Social Security and have tried numerous times to get in touch with Drive Time in order to get the paper work showing that I never signed on the loan but they have failed to come through as I just gets the run around with them and it has become so frustrated. This is not only a new burden I am facing but also brought my credit score to a low XXXX. Thank you!
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME XXXX BANK ACCOUNT XXXX : XXXX I HAVE RECENTLY DISPUTED THIS ACCOUNT THE ACCOUNTS WAS VERIFIED AS ACCURATE. i ask how can this account be verified accurate with no proof of procedure of investigation and ALSO MY CONSENT WAS NEVER PERMITTED TO COMPANIES INVOLVED IN THIS DIPUTE TO FURNISH MY CREDIT PROFILE USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies USC 1681i PROCEDURE IN CASE OF DISPUTED ACCURACY 18 USC 1341 FRAUDS AND SWINDLES ALSO THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE /LAST REPORTING DATE/BALANCE/PAYMENT HISTORY/ACCOUNT STATUS IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

I ASKED FOR A PROPER INVESTIGATION TO BE DONE, BUT THERE IS NO PROOF OF INVESTIGATION I DEMAND AS A FEDERALLY PROTECTED I DEMAND THIS ACCOUNT TO DELETED THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and active duty alerts 15 U.S. Code 1681c2 - Block of information resulting from identity theft 18 U.S. Code 1038 - False information and hoaxes
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (HI)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2016-01-20
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: TMX Finance LLC (GA)

I got a loan from a Payday Place in XXXX GA. When I took the loan out 3 mos ago they told me that it was an installment loan and i agreed i didnt have to put any of my stuff up the man behind the counter told me he already took care of that. I asked him and he showed me a paper of many items on a list I told him that I dont own any of that and he told me dont worry that he makes up paper work all the time so he told me my 1 st payment will be around {$70.00} dollars because I am on SSI check I get once a month. I get {$680.00} to live on a month for myself and my younger son. I went into pay my 1st payment and since i was 1 day early I had to pay a fee of {$110.00} that upset me I asked the lady where that man was that took my loan app. And she said that he is not with the company anymore so they moved me from a installment loan to a 30 payday loan i could not pay {$700.00} back to them so the lady told me that she will keep my payments low. On XXXX XXXX XXXX I called Insta Loan in XXXX Ga, and told them that I am sending a friend in to pay my payment of {$70.00} i told them i was sending a little extra of {$80.00} dollars The lady was very very rude to me she said that since i was paying early that i had to pay {$90.00} and if I didnt pay that it will cost me each day of being late {$35.00} dollars. They have called me everyday for 10 days now and told me that I have no rights. They called me day and night and even on there own cellphones. I called then yesterday XXXX XXXX XXXX and the lady at Insta Loan told me that if I did have {$200.00} To her I will be in jail she was so rude to me My XXXX are falling apart ehat can I do. Thank You.
Consumer complaint received 2016-01-20
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: ASTORIA BANK (NJ)

On XXXX XXXX, XXXX, someone presented a check for cash which was debited from my bank account. It was a small amount of XXXX dollars. I contacted my bank and they quickly put the money back into my account. The bank and I agreed that the account numbers were just XXXX digit different and the customer 's signature overlapped that digit to make it to look like an XXXX instead of a XXXX. 
On XXXX XXXX, XXXX the same thing happened again. The same customer presented a XXXX dollar check for cash.with the signature overlapping that same digit to make it look like an eight.This time I was given an overdraft fee of {$35.00} plus the {$20.00} check amount debited from my account. 
The bank again said this was an error and quickly took the overdraft fee off and promised to put the {$20.00} back into my account within 24 hours. 
The first time this happened, I would say it was a mistake of the teller. It would almost be impossible for this to happen again with the signature covering that same digit to appear as another digit. 
I believe someone is taking small amounts of money from customers at my bank. 
Please look into this. This bank is Astoria Bank, XXXX XXXX XXXX, XXXX, New York XXXX.
Consumer complaint received 2016-01-20
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc (OK)

High Point Asset, Inc. called saying that I owe money from a payday loan in which I never took out. They claim that the money was issued to my bank account, and then I closed my bank account and they was unable to retrieve the money. They can not provide me with any information other than that amount that is owed. They can not provide me with who the original amount supposedly came from. The emailed me a generic letter with an amount owed that was not even the amount that they told me on the phone. I have spoke with my bank, and they have advised me that they have had other reports from this company, and that I should not proceed in making payment until I speak to my attorney, which I will be doing later today.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

I'm writing regarding all negative reporting accounts. Please remove all negative reporting accounts. It has come to my attention that you have disclosed my personal information to unaffiliated third parties without providing the required disclosures. According to 15 U.S. Code 6802, you are legally obligated to provide three specific disclosures. After thoroughly reviewing all the documents provided by your institution, I have found that none of these documents included the required disclosures as stipulated under 15 U.S.

Code 6802 ( b ). 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. Also kindly remove all addresses that are not my primary residence XXXX XXXX XXXX XXXX XXXX, LA XXXX l 've attached my Drivers License along with utility bill, and SS card for verification. Anticipating positive results on your behalf. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (WI)

I filed a complaint about Midland credit management previously and my corporateRep Payee attempted to reach out to them They refused to communicate with her without a power of attorney and were extremely rude Unfortunately, discovering theyre not the only debt collector who feels theyre entitled to break laws and be rude to people put into places to help someone on benefits while theyre experiencing medical issues or other life issues that prevent them from handling their own life and She was trying to inform them she would be making payment arrangements when they came up on her list Of everyone and everything else I owe due to the Social Security administration priority list on how she spends my benefits instead I was served with a lawsuit
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have submitted to the credit bureau to have a debt from XXXX XXXX XXXX removed several times. The debt collector has re-aged the debt. I have sent evidence of this, yet the credit reporting agency has not removed it. They keep stating that the debt buyer is correct. The last date of payment to XXXX XXXX  was XX/XX/XXXX. The account became delinquent on XX/XX/XXXX. No further payments were made to XXXX. The balance at the last statement ( XX/XX/XXXX was {$1200.00} ). XXXX XXXX  to did not close the account until XX/XX/XXXX. In the remaining XXXX  months before XXXX charged off the account it accrued {$2900.00} in late fees ( {$40.00} per month ) and interest. I did not use this account during that time nor were any payments made. I currently also have a complaint against XXXX for this account as well as I have asked them to remedy this situation as well several times. Re-aging a debt is illegal and is causing difficulty for me to buy with credit as well as my ability to rent a home.