davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I do not know this company called XXXX XXXX. I think these people are fraudulent or someone XXXX XXXX XXXX or put other peoples accounts under my name. This one is for {$100000.00}. There is no financial aid officer giving out that kind of money. Nor did I apply for it and nor did I receive it.
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (DE)

On XX/XX/XXXX discovered credit card missing last place I had it was in my car. Two unauthorized transactions were posted on XX/XX/2024 these two transactions were not made by me. It is my hope that this can be resolved quickly by crediting these two transactions from my card account. Thanks for your time and assistance in this most important matter,
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (IL)

I was an authorized user on my daughter XXXX XXXX credit card accounts. She has called the credit card companies and removed me as an authorized user over 6 months ago but the companies are still reporting to all three credit bureaus as if I am still on her accounts. I would like for the companies to stop reporting on my credit.
Consumer complaint received 2023-10-27
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: Experian Information Solutions Inc. (TX)

I urgently and respectfully request the Credit Bureaus to remove these fraudulent inquiries from my credit file, in accordance with FCRA section 605b, which mandates Credit Reporting Agencies to remove any inquiries listed on an identity theft report. I have included these inquiries in my IDENTITY THEFT REPORT # XXXX, which I am resubmitting with this complaint. I anticipate an update in my credit report within the next 15 days, and I kindly request that the following inquiries be removed promptly : EXPERIAN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ARC Management Group, LLC (LA)

In XX/XX/year> while observing my credit a company ( Arc Management Group ) falsely reported to my credit that XXXX owe {$1500.00}. XXXX ask them to provide a contract with Arc Managment Group and XXXX wet signature. They have yet to provide that information to me and by law they cant, so it must be removed, IMMEDIATELY. XXXX have never heard of this company before there XXXX know theres no contract.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BMO Bank, N.A. (NJ)

Someone that was not me must have applied for a credit card and caused a hard incury on my report. This request for credit was not me and I feel its identety theft as I did not apply or requested any credit from this company.
Consumer complaint received 2024-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC (MO)

XX/XX/XXXX XXXX XXXXXXXX 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 I gave XXXX my insurance information ( XXXX XXXXXXXX, XXXX ). They also copied my insurance card. I was XXXX on XX/XX/XXXX. 

XX/XX/XXXX I consulted with my insurance assistant at XXXX XXXX XXXX XXXX to ensure I had taken all steps to have medical bills fully covered. Assistant stated that if XXXX was billed I would have no financial responsibility for emergency services. 

XX/XX/XXXX, email from XXXX credit monitoring informed me of a new collections account on my credit report ( {$4700.00} ). Shocking news ; I had no indication of outstanding charges on the verge of collections. 

Turns out a third party, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, was billing on behalf of attending physicians at XXXX  ; they added the collection account to my credit reports. I never received paper bills from XXXX  ; I had no knowledge of any accounts or collections. 

XXXX  medical account claim was never submitted to XXXX. The collection account was inaccurately reported due to XXXX  and XXXX  never submitting the medical claim to XXXX. 

As of XX/XX/XXXX, I have worked with XXXX billing and XXXX to try to submit a retroactive claim to XXXX. Turns out XXXX filed for bankruptcy on XX/XX/XXXX, 2 months after my emergency service. XXXX  is unable to reach anyone at XXXX due to the bankruptcy. No one I have spoken with at XXXX can determine why the XXXX account was not billed to XXXX, how the account went to collections, or who the new account owner is. 

XXXX billing is now handled by a different company, XXXX ; they can not retroactively bill an account that they did not own at time of service. XXXX billing also stated that the XXXX account should not be on my credit report ; it is inaccurate information. Furthermore the bill should be submitted to XXXX.
Consumer complaint received 2024-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NJ)

I have an account on my credit report from collection agency Caine and Weiner whom I never opened an account. The account # is XXXX the original creditor is XXXX it was open XXXX the balance owed currently is XXXX and was updated XX/XX/year>. 
This is not my debt I would like to see XXXX of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (TX)

On XXXX/XXXX/24 I contacted Credit Karma about withdrawals from my account I did not do. They froze my account and after a few days got my money back into my account. As of making this post ( XX/XX/scrub>/24 ) I still have not had my account un-frozen. I was told that I was waiting on an email for supporting documents from myself. I uploaded all documents requested and have still not received any word back. I have called multiple times and been told to wait for a response back and that I would have to update information i.e. change my password and email linked to the account. The support team sent me an email to update my linked email and never updated the linked email. I had to figure out how to update all of my linked info myself. I called the fraud department and told them that all of my information had been updated and I would like my account unfrozen. They still insisted that there was nothing they could do and to wait for an email back. Today I called again and got told I could not speak to the fraud department due to technical issues. After asking for a supervisor he told me that he could get in contact with the fraud department and did. But after talking to the fraud department informed me they could not help me and that I would have to wait to be contacted via email. The support team/fraud department has ignored me and refused to give me any updates on unfreezing my account.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (LA)

My phone was stolen and they were transformers and withdrawals on my account. I did not recognize once I got a new phone, my cash app account and my account and reported transactions, and they close my account saying that I went against their terms and services, and that they can not provide me with any other information, I have with cash app for doing my business. Use my cash app for my tax and all this is my main business account that I get my income through and it has tremendously slow my business down with no explanation. Someone stole my phone access to all my accounts supposedly if I inform my banking time, they would do something to fix it not something to make me worse.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: GOLDMAN SACHS BANK USA (NY)

I have an Apple Card which I mainly got because it has a virtual card feature which I love for cases where I have to enter a credit card for online purchases. It provides additional security and allows me to not worry in case a merchant gets hacked or the virtual card number is acquired. I simply have to change the virtual card number. 

I recently learned of the Automatic Billing Updater through a XXXX XXXX XXXX article - XXXX XXXX XXXXXXXX? XXXX XXXX XXXX. Even with virtual cards, apple still updates credit card number in areas where the card has been used. 

This is a problem if you are trying to prevent your card from being used in a fraudulent manner. I reached out to goldman sachs - the underlying banl for apple card- and they said they do not support opting out of the ABU. Shouldnt issuers support this by default? Other banks support this feature. 

So my complaint is that GS/Apple Card do not give customers any way to opt out of XXXX and to protect themselves from fraudulent situations.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (GA)

On XX/XX/XXXX I received a notification on my credit and seen the hard inquiries. This doesnt belong to me. I called the Card company to closed the card so it wouldnt get worse, however this is not mine. I have a pretty good standing and I am aware of the inquires I have done but not these. These hard inquiries does not belong to me please remove : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2015-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (FL)

XXXX " lied '' to me at the XXXX to XXXX XXXX closing for my REFI mortgage ( who sets a closing at XXXX to XXXX? ) I had a XXXX XXXX at XXXX but my medicine was outside in the bag on my bike. They knew i was a XXXX person because they demanded a copy of my XXXX XXXX award letter for proof of income. I was promised a loan note XXXX above my XXXX original amount. That 's a total of {$84000.00}. Yet 2 months later when the Fed-ex delivered my new mortgage, the amount was XXXX plus. 
So, you ask, why did'nt i cancel or refuse the REFI during my 3 day " recission '' period? The short answer ; i was denied the 3 day recission period. Also, during the closing, i asked XXXX times for a copy of the note so i could take it home and show it to a real estate attorney. Closing agents said and i quote, " XXXX XXXX, there are XXXX pages in this refi note and we have to get every page upstairs to be notarized. '' Both closing agents resigned 4 months later. My note is above XXXX and set at 40 years. Please do the math for a 40 year note and you see how screwed i am. I will be grossly upside down for the rest of my life. My credit is " shot. '' I ca n't even replace my broken refridgerator. My tv is 20 years old ( analog ) and the picture is awful. Can ; t finance or buy a tv either. My only transportation is a used bike. U get the picture. thank you.
Consumer complaint received 2024-07-30
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC (CA)

XXXX XXXX use a radios global solution llc to deb collector to get XXXX when I call they never answer and they put my credit so low I payed all ready mi cycle to XXXX  to other company and they leave XXXX line active with out phone and now they said I have to payed why they do that if when they give code or pin to move it is when you are good with your payment and is because your are moving to other company and your free
Consumer complaint received 2023-10-27
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. (CA)

I am submitting this complaint to you regarding account numbers XXXX and XXXX from XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. I am the person making this complaint & I give CFPB authority to investigate this claim. I do not have any such account with that company and I have tried to dispute it directly with the company, to no avail.
Consumer complaint received 2024-06-14
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. (TX)

I am writing to express my deep frustration and disappointment with the ongoing issue concerning the removal of fraudulent items from my record, despite this attempt to rectify the situation. In regards of providing comprehensive evidence and diligently following the prescribed procedures, it is deeply concerning that the problem persists without resolution. Through my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. I wany you to help me to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove the items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

My credit age on all 3 of my credit reports are incorrect I have been a XXXX XXXX Member since 2017 and XXXX XXXX experian is showing I have only been a member for 7months and I want my information updated correctly to 6yr credit history
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX  XXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I would like to file a complaint to inform you of some illegal practices of a company called Portfolio Recovery Associates , LLC doing business in the state of Virginia. They are continuously calling, writing and otherwise harassing me over a debt which is not mine. I have asked them to validate the debt made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws with competent evidence bearing my signature, which they have failed to do. This is a violation of the Fair Debt Collection Practices Act 623-b, 611 ( a ) ( 7 ), and 807-8. 

I have sent three letters ( attached ) to Portfolio Recovery Associates , LLC asking for validation in accordance with the Fair Debt Collection Practices Act 803 Definitions 15 USC 1692A. This would include a copy of the original contract from the original creditor XXXX bearing my signature. I have never received that. They sent me documents showing that they bought a bundle of debt from XXXX, but they obviously dont have my signature saying I ever agreed to pay an assigned debt collector. They are breaking the law reporting me negatively to the credit bureaus. Further, if they believe XXXX is my creditor, I would like to see the contract with my name on it from XXXX. Without my signature on the original creditor contract that shows I will ever agree to pay an assigned debt collector, Portfolio Recovery Associates is breaking the law by negatively reporting me to the Credit Bureaus. 

In addition, despite the fact that the legal status of the debt is uncollectible, they are also reporting this debt on my credit report. As Im sure you are aware that in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 

This is my last and final attempt to allow them to remove this PERMANENTLY from all three credit bureaus before I file a claim in small claims court in Georgia, where I live, for {$5000.00}. They will have to fly out from Virginia to deal with this and incur great costs and will lose because they are breaking the law. I want this removed immediately, it is causing me great financial hardship. Thank you for your help!
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Carvana Group, LLC (PA)

XX/XX/year> I was approved on a vehicle from XXXX and I wanted to call to finish my verification. I got to question # XXXX and the young lady stated what was my previous address? I was stumped because I never put any down at anytime for my life! So it threw me off and I admit the lady just was doing her job but since I couldnt provide XXXX my chances on financing a vehicle could not happen for another 6 months now and I just thought that XXXX XXXX because of mistakes in the systems and wanted to see if this could help me out in anyway possible.
Consumer complaint received 2023-10-27
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. (IN)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.