davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit agencies all removed the majority of the fraudulent inquiries and accounts. I placed a freeze on my credit report, filed a report with the FTC, filed disputes and most things were removed with the exception of these last few inquiries, which are dropping my credit rating.
Consumer complaint received 2016-08-16
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (GA)

A collections agency, I believe it is FAMS, has relentlessly called my mother-in-law leaving messages for her relaying that they are attempting to locate me and collect on my student loans.Yes, they have said that I owed student loans and they were a collections agency seeking to speak to me about those said loans. Sometimes they call two to three times a day and have on occasion called, left a message, and then immediately called back. My mother-in-law was never used as a reference for my private student loans, though my now late-father-in-law was. FAMS has not supplied any written documentation to provide that I owe anything to them or if I do that they own the debt.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (GA)

I am following up on my case number XXXX. 

I received the attached letter from Citibank. They claim that they deny my disputed charges because I did not notify them within 120 days that the merchant had failed to provide the services I paid for. This is demonstrably false, given the documents I submitted, and their own handling of this case. 

A recap of my dispute appears below, taken verbatim from my letter to Citibank of XXXX XXXX, 2016 : " I purchased XXXX oil change packages for our cars from XXXX XXXX XXXX. They were for XXXX premium, synthetic oil changes each. XXXX package was for our Honda, the other for our Jeep. 

Before I could get all XXXX changes, they went out of business. I wish to charge them back for the oil changes that were not provided to us. We are still owed XXXX changes for the Honda, and XXXX for the Jeep. Per you customer service representative, I am providing copies of our credit card statement, as well as the original sales invoices for both transactions. Please note, this card was canceled due to a fraud alert. It was replaced by XXXX card number XXXX XXXX XXXX XXXX. 

The total charge for the Honda was {$270.00} ; the balance due us is XXXX changes, XXXX % of the total, or {$100.00}. 
Total charge for the Jeep was {$220.00} ; the balance due us is XXXX changes, XXXX % of the total, or {$130.00}. 

The total we should be refunded is the sum of both, {$240.00}. '' Citibank actually issued a conditional credit for the Honda oil change of the amount in dispute, {$100.00}. This obviously calls into question the entire idea that I did not make my dispute within their 120 day time frame. 

Based upon the above conditional credit for the Honda, I continued to dispute the charge for the Jeep, which led to opening CFPB case number XXXX. Citibank has displayed bad faith in handling this dispute. They have required me to resubmit my dispute and other documents as many as six times, alleging that they had become " lost ''. This is questionable, as after the first " loss '', I began submitting my information via email to their dispute department with copies to myself. 

Citibanks'claim that I did not dispute in time is contradicted by the fact that I submitted my dispute as soon as I was denied the services I had paid for. 

The background to the denial of services is that XXXX XXXX XXXX sold their business to XXXX and made no provision for the services they still contractually were obligated to me for. 

I am attaching a copy of Citibank 's letter of XX/XX/2016 denying my dispute alleging that I did not submit the dispute within their arbitrary 120 day time frame. The above proves the specious nature of this claim. 

I encourage the CFPB to closely examine the abusive nature of Citibank 's handling of this case. Their claim to have lost multiple documents multiple times is an insult to, and an abuse of the American financial system.
Consumer complaint received 2016-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying for 2 yrs with this account XXXX. on my credit report I have never had a XXXX account in my life. 

Also Acceptance now is showing false original blance my total what I purchase was only XXXX so where did balance XXXX comes from I had insurance if I had gotten sick. that 's consider fraud with company.
Consumer complaint received 2016-12-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (MI)

A year ago, on XX/XX/2015 a fraudulent purchase was made online at Bestbuy.com, using my Best Buy card issued through Citibank, to purchase a PS4. It was n't until my bill in XXXX that I noticed the fraudulent charge and called Citibank for the first time. The customer service rep that I spoke to said they would send it to the fraud department and they would get back to me with their findings. A couple months later, I received a letter from the fraud department stating they had found through their investigation that I was responsible for the charges. Knowing that there must have been a mistake, I called back and a new investigation was started. This new investigation came back the same way : I am responsible for the charges. Although I have now spent countless hours of being on the phone with Citibank trying to resolve the issue, I have been hung up on, disconnected and called a liar, and this issue has still not been resolved. They have opened up numerous investigations and each time they find the same thing, that I am somehow responsible for a purchase I did not make. When I asked them to send me the information that proved I owned this purchase, they sent me a print out showing the product was ordered and sent to an address that is not my own. The order was also put through online without any verifying information that matched my own. The address was not mine, the telephone number was not mine. Every time I call to get this resolved, the first person I talk to always comments on how the purchase is " clearly fraudulent '' and will say something to the effect of, not sure why this is taking so long. In XXXX, I thought this was coming to an end when I spoke directly with a supervisor in the fraud department that credited my account and said it was taken care of ( this only occurred after I had requested an address with Citibank to which my lawyer could write a letter too ... ). I was overjoyed that after months and months of countless hours, it was being taken care of! Much to my dismay, however, a letter arrived a couple weeks ago, stating they found me responsible for the charges, once again, had reopened my card and charged it the {$320.00} that they insist I owe. The last time I spoke with Citibank in XXXX, they had cleared me of the charges and I had immediately paid my small remaining balance and closed the card. They reopened the card and charged me again. I really do n't know what to do at this point. I have complied with everything they have asked for and have had to spend at least a full days worth of time in doing so. I 'm not sure what to do at this point. Please help! Thank you.
Consumer complaint received 2015-08-12
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX denys me access from my computer. Message that comes up is : " The XXXX website is not currently available at your location. Visit XXXX orwww.consumerfinance.gov/learnmore/ to learn how you can request your free U.S. credit report by mail. '' Called phone number - no live person ; called FTC - no live person ; called CFPB-spoke with 'XXXX ' who said the site should allow me access to obtain my free credit report. I live in XXXX, am a U.S. citizen and my computer and ISP is currently located in XXXX XXXX. I can not access the creditreport site. Furthermore, when I tried to register on this site ( CFPB ), my request for a password did not work and I received no email at the address I entered ( which is a good, working and legitimate address. ) I have no U.S. mail service in XXXX. We are moving back to U.S. in XXXX. There are many items on my and my husband 's reports that need work before we return. The only way I can receive is to obtain via email. I need this information as soon as possible. Can you help? Thank you.
Consumer complaint received 2015-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of ID theft, and have been declared so by the FTC and the local Police and had forwarded Transunion the Police Report and the FTC ID theft report, along with a dispute letter addressed to Transunion ( see attachments ). 
The FCRA requires the credit bureaus are required to block fradulent information from the credit report so that it can not be re-inserted irrespective of the creditor 's wishes. Transunion failed to block all information and there was a fraud related XXXX XXXX XXXX account that they initially deleted and now have re-inserted it on my credit report, thereby violating the FCRA
Consumer complaint received 2017-02-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (TN)

When I call Santander Consumer USA they state that my account is open and active, however my credit reporting is stating my account was Charged off. My payments were delinquent and upon seeing they closed my account I contacted Customer Service and paid my account up to date and had it reactivated immediately in XX/XX/2016. Agent I spoke with said my account would be active and I could go back to making regular payments. I have always had possesion of my car, it has never been taken. Since then I have made all payments early for 3 months, but account was verfied as closed. I called to discuss the account and was informes it was opened but because at one point it was charged off the reporting status would not be changed and my current up to date payments would not be reported. They suggested trading in or refinancing vehicle. If my account is active, payments are up to date, and I have never lost possession of my car their reporting of my credit status should reflect that.
Consumer complaint received 2015-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (AL)

Diversified Consultants is a Debt Collector who buys debts. Allegedly, XXXX XXXX XXXX sold them an account with my name for old services I use to have through XXXX XXXX XXXX. The account, XXXX, was early terminated by myself for lack of services and breach of agreement with XXXX XXXX XXXX. So, I paid XXXX XXXX XXXX directly, a copy of that payment is included in this complaint. THis payment was not a settlement, was nothing short of paid in full for early termination of services, home security services to be exact. I disputed the first letter I received from Diversified because they had the account labeled as a " wireless '' account from XXXX XXXX XXXX. My " wireless '' account from XXXX XXXX XXXX is my cellphones, which are direct debited monthly from my company XXXX card. When I spoke to XXXX XXXX XXXX about my wireless account, the representative verified that my " wireless '' account has never been late and always paid on time by the auto debit to my credit card. Diversified NEVER responded to my dispute, simply moved forward with " verifying '' the debt and posting it to my credit report. XXXX XXXX XXXX claimed they never sold a debt to Diversified for my " wireless '' account. XXXX XXXX XXXX verified payment over the phone for the paid in full early termination fees on the home security services. Diversified, and possibly XXXX XXXX XXXX, violated my FCRA and FDCPA rights and their laws in XXXX ways. First, there was no true or verifiable PROOF of Diversified Consultants " Verification of debt '' as requested by myself. After that violation, they moved forward with reporting to the CRA 's and damaging my credit. XXXX XXXX XXXX representatives were just as confused by the labeling of the account as " wireless ''. Not until I spoke to a manager, AFTER writing to Diversified about the mistake and the dispute, that a manager said the home security services are labeled " wireless ''. The manager apologized for the confusion, however, that confusion led to this mess. Again, XXXX XXXX XXXX 's irresponsibility and negligence have cost me time and money and stress.
Consumer complaint received 2016-05-11
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc. (CO)

I negotiated a debt settlement arrangement directly with the debt collector. I took their enticing offer while I was already making on time monthly payment to that same debt collector. I paid the full one time payment requested at the time. Paid in full the amount offer proposed and arranged by the debt collector. And find out that they reported me to the credit bureaus negatively for paid less in full well I actually paid in FULL my debt under their enticing offer! AT NO TIME, they reported to me that they would report this negatively to the credit bureaus otherwise I would have refused and kept my monthly payment. They should have reported this as paid in full! Or disclosed their bad intentions against me.
Consumer complaint received 2016-02-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XXXX XXXX, XXXX, Capital One cancelled my credit card without advance notice to me. I had a credit card with Capital One since XXXX. I paid my monthly invoices on time without fail. I did not have any balance amount due on XXXX XXXX, XXXX.
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (FL)

The debt was from XXXX, XXXX which said that I owe {$870.00} to XXXX service at an address I never lived. I sent a letter to XXXX XXXX, XXXX. enclosing all the information that they asked for which included an XXXX bill, a copy of my social security card, my driver license and a police report. So for two years everything was fine. Then XX/XX/XXXX I started to get Collection notices from CCS USA CREDIT COLLECTION SERVICES. I called them and they were very rude and said that I owe this money and that the service was for address that I currently live at which is not true. The services was at a different address. I spoke to a man named XXXX who said he would call me back the next day of which he did not. I waited another month and called again and was told the same thing. To this date there has been no action done and it is still sitting on my credit report. It is the only negative entry on my credit report. I am XXXX years and I have never had a negative entry on my credit report.
Consumer complaint received 2015-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

THE BUREAU TRANS UNION. HAS XXXX INQUIREIES THAT WERE UNAUTHORIZED. 
COLLECTIONSNOT MINE/XXXX -PAID IN FULLXXXX XXXX-NOT MINEXXXX XXXX -NOT MINE
Consumer complaint received 2016-09-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (TN)

I have a debt reporting on my credit from this company I do n't know anything and I do n't know anything about and debt that their reporting on my credit and refused to remove my right are Being violated if they saying it my debt this company should have proof contract sign and dated. Original documents
Consumer complaint received 2017-01-07
Product: Prepaid card — Mobile wallet
Issue: Overdraft, savings or rewards features — 
Company: Blackhawk Network Holdings Inc. (PA)

I added {$200.00} to a Reloadit card and i never was able to get my money they told me the website was having trouble. The customer service WAS TERRIBLE i just took XXXX bucks of my hard earned money and put it on this card and POOF it was gone into XXXX KNOWS WHOS POCKET. I called over 5 times and it was the same thing we can not help you keep trying to create a safe on our site to put your money into and i kept getting the same error and when i would call them i would get the same run around. I just feel so taken advantage of
Consumer complaint received 2017-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgements and bankruptcy listed on my credit report were not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Experian was able to gain access to my inaccessible information?   According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information  may  have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgements and bankruptcy from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Consumer complaint received 2016-01-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Financial Management Solutions, LLC (GA)

On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX County, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account FMS FINANCIAL MANAGEMENT SOLUTIONS via phone, email or fax. 
I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with FMS FINANCIAL MANAGEMENT SOLUTIONS, ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ). 
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, Georgia, ( XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX, TX XXXX ) XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ) XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX XXXX This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with FMS FINANCIAL MANAGEMENT SOLUTIONS, ( XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ). 

On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing FMS FINANCIAL MANAGEMENT SOLUTIONS the following : I do n't know anything about this debt please send to the Original Creditor. 

As Resolution of this complaint, I ask that FMS FINANCIAL MANAGEMENT SOLUTIONS stop all current and future correspondence with me and their company be erased from my current credit report. 
Thank You, XXXX XXXX
Consumer complaint received 2016-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

With reference to my XXXX XXXX 2016 Case Number XXXX with this consumer agency. 
Why is XXXX being allow to send this open case to a collection agency and continue to harass me with emails and unregistered phone calls while not providing a proper response to this CFPB claim? ( I now have reason to believe that XXXX has filed a negative credit report with XXXX ) XXXX.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I received a letter from XXXX XXXX on XXXX XXXX, 2016, stating that all hard inquiries made on their behalf are to be removed because the applications were confirmed as fraud. ( See attached pdf letter downloaded ). Experian is not responding to the letter and has not taken the hard inquiries out from my credit report causing me to have a lower credit score. 
I have tried to have them remove the inquiries to no avail.
Consumer complaint received 2017-04-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates is co ntacting me to collect a debt I have disputed with   XXXX     XXXX   XXXX  . I asked for a Verification of  Debt Letter, wh ich I never received. They claim to have sent  one  already telling me I need to send a written request in order to obtain another.
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This complaint is also related/reference to CFPB complaint # XXXX XXXX XXXX XXXX ( documents were already uploaded onto the above case ) I am writing to file an complaint against Trans Union and XXXX for : Failing to keep accurate tradeline on my credit report, Refusing to provide Method ( s ) of Verification and information requested by me. 
Refusing to remove inaccurate tradelines when XXXX, did not provide sufficient requested info to back up their claim. 
Allowing XXXX attempt to " re-age '' negative trade-line, a violation, even in situation when XXXX failed to back-up their claims first. 

XXXX XXXX, 2016 I submitted a dispute with TransUnion, a credit rating agency after reviewing my free credit report, complaint # XXXX ( see attached letter ) At issue is inaccurate negative trade lines submitted by XXXX. 

TransUnion and XXXX could not provided any solid documents to back up their claims. XXXX, was not the original creditor and they claimed they purchased this alleged account, but failed to provide any valid Bill of Sale/ assignment/ affidavit ( s ). 

TransUnion further let XXXX to make another/ recent entry to mark " OK '' Current status, next to section 30 days late/ 60 days/ 90 days late, as " an new information '' / reply to my dispute. I did not make any payment to XXXX ever. Any attempt to " re-aging '' is a violation of the rule. 

I would like to have the inaccurate negative tradelines submitted by XXXX to be removed from my credit report. Thank you.