davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (MS)

I received a letter from Asmsher collection services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX stating that I owe XXXX XXXX I checked the box that indicates that the amount is wrong and returned by certified mail. I have since received another letter from XXXX XXXX XXXX XXXX XXXX XXXX a debt collector,XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX Al XXXX dated XX/XX/XXXX indicating the same amount, yet with no itemization of the amount in question. I switched mobile carriers in XX/XX/XXXX and was told by XXXX rep that I could not make the switch until I cleared my account, which I did. Prior to receiving these collection letters, I emailed XXXX XXXX and XXXX XXXX at XXXX requesting an itemization of the charges in question and did not receive any follow-up. I pulled my credit report and saw that it appears as a negative account from Amsher collections.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I'm writing to express my dissatisfaction with several unauthorized inquiries on my report.The information listed below needs to be removed from my file.I am writing to delete the following information in my file. The items I need deleted are listed in the report.
Consumer complaint received 2024-03-21
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. (TX)

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX written, unwritten, verbal or non verbal to report my nonpublic personal information. XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as the XXXX credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX violated the terms and conditions within their contract, because XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within XXXX hours and the account # XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.
Consumer complaint received 2018-09-02
Product: Credit card or prepaid 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: CITIBANK, N.A. (FL)

I bought my husband a watch from a company called XXXX XXXX for {$190.00} on XX/XX/2018. My husband didn't like it so I returned it promptly to the same address it was shipped. I sent it by XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX. It was received by XXXX XXXX on XX/XX/2018 and accepted by an employee name XXXX. The XXXX Tracking number is XXXX. 
After not hearing from the company I contacted them and they told me I should have got an RMA number when returning the watch. Unfortunately, I had already returned the watch to XXXX XXXX and as the Tracking Detail shows, they have it. 

Since I returned the watch and did not receive a refund, I disputed the charge with Citibank whose MasterCard credit card I used to purchase the watch. They assigned me a dispute number XXXX. 

It's important to note, Citibank failed to provide a copy of the merchant response to me. Their documentation said it was attached but it never was. I contacted Citibank several times asking for the response and their agents told me that they didn't know why it wasn't included but would send it to me. Citibank never provided this information to me. 

On XX/XX/2018, Citibank said they could not give me a credit because I had not followed the companies return process. 

This action by Citibank is unfair in that they are charging me for a watch I do not have but the merchant XXXX XXXX does ( see Tracking Detail ). Their actions also must have violated federal banking regulations in that they never provided me the merchant 's response and thus deprived me of an opportunity to respond to the merchant 's response.
Consumer complaint received 2018-09-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (GA)

I dropped a class from XXXX university within the allotted time. They still charged me for the class. They then referred me to their collection agency which never wrote or contacted me. They just put it on my report. When i called them they had the incorrect information. But they stilled kept it on my report and are reporting as reported correctly. I disputed electronically with the bureau but they came back that said it is the correct debt. This is a false debt that is reporting on my credit report
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE
Consumer complaint received 2023-05-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (CA)

I reviewed my recent credit report and noticed a collection from IC Systems for a Debt with XXXX XXXXXXXX XXXX  XXXX. I was told that this was a joint account. I have never had a joint account for XXXX XXXX XXXX. I have never signed a contract or authorized a joint account. IC Systems has also never called me, the failed to send me any communications or validation notice. I only found out about this debt when it showed up on my credit report. This account is also for an address that is not mine. I have called both XXXX and XXXX requesting that they validate this collection. They have not sent me confirmation that the debt was mine. 

Date : XX/XX/23 Amount : {$820.00}
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

on XX/XX/2023 i Wrote transunion about unauthorized placement of accounts on my credit report. 

On XX/XX/2023 Transunion responded with a letter stating i was using an 3rd party company. ( not true ) I typed up the letter myself. 


This complaint is against transunion only.
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

This complaint is against Bank of America NA, XXXX XXXX, XXXX and XXXX XXXX XXXX  for failing to adhere to the Consent Judgment entered against Bank of America in XXXX. With the help of the Consumer Financial Protection Bureau, I received a resolution on my first mortgage because of the consent judgment against XXXX XXXX. Bank of America was supposed to cancel the debt of my second mortgage of over {$35000.00} because of the previous mentioned settlement and the significant drop in my property value. I received a letter from XXXX XXXX in XX/XX/XXXX requesting payment of debt. XXXX assigned this second mortgage on multiple occasions with the last assignment happening in XXXX, well after the creation of the mortgage in XXXX. Back in XXXX Bank of America sent a letter stating that the mortgage was canceled, but now I am aware that a lien still exists on my property. Therefore, Bank of America failed to provide me with relief as required by the consent judgment entered by the United States Department of Justice.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I sent a letter to remove the inaccurate informations that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items not later than 4 business days after the. Ive already included this in my previous Complaint # & I am including it again.Here are the inaccurate items that needs to remove : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX Balance : {$8700.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, NJ XXXX.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-09-03
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. (OH)

I have inquiries on my credit report that I am unaware of and would like them to be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (MA)

On or around XXXX XXXX 2023, my identity was stolen and several fraudulent accounts were created ( XXXX XXXXXXXX, Macys, XXXX, XXXX  and Best Buy ) and XXXX of dollars was charged. I immediately contacted these companies and notified them that my identity was stolen. After an investigation, all of the companies have found that these accounts were fraudulently created did not hold me responsible, except Best Buy. I have appealed that and sent them information they requested and they are still hold he responsible and will not tell me why. 

Please let me know what information you need. 
Thank you, XXXX XXXX cell XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions Dear, TransUnion I am writing to request the removal of the address XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX from my TransUnion credit report. My latest credit report shows that it is listed as one my address and I no longer have any involvement with this address I asked that it be removed. I also would like XXXX XXXX to be removed as my employment I no longer work with that company. Both address and employment information needs to be removed immediately!! 

Thank you in advance, XXXX XXXX
Consumer complaint received 2023-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (MO)

Opened a Home Depot card after receiving a letter in the mail, followed by an email advertising 18 months 0 % interest. I receive the card and begin using it, but when I login to the site it only says 6 months special interest. I send them a message asking for them to clarify and they respond with extremely confusing and lengthy amount of steps that need to be taken to request additional time on the interest charges on a per transaction basis. I am still receiving letters asking me to open a card with 18 months 0 % interest.
Consumer complaint received 2018-09-24
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Torriere Holdings INC (MO)

" XXXX '', XXXX XXXX XXXX has contacted myself along with my father and my step-mother 's father ( on XX/XX/2018 ) with a voicemail containing false and misleading information. I have audio recording of the voicemail, including the agent stating their company name as " XXXX '' instead of the full company name. Agent, XXXX XXXX, proceeded to state legal action was going to be taken against me if there is no response. When contacting the agent on XX/XX/2018, the agent never stated the Mini-Miranda warning. Agent threatened to terminate call without resolve when I brought this up. Agent transferred me to a manager. Manager did stated the Mini-Miranda. Manager transferred me to the payment processor, and I signed a document listing the series of payments. No where on this document states I can not cancel this series of post dated payments. I contacted the company XX/XX/2018. Agent on the phone did not state the Mini-Miranda. Agent stated that I signed a contract of these series of payments and at first stated they can not be cancelled. Agent then stated payments will be cancelled and this will be sent back to the client, did not state who the client is, to be sent to another agency.
Consumer complaint received 2018-07-22
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: AES/PHEAA (CA)

I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened  XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX  opened XX/XX/XXXX, AES/XXXX XXXX XXXX opened XX/XX/XXXX, Aes/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (GA)

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MN)

XX/XX/XXXX I received a receipt from a hotel that stated they returned my deposit of XXXX, Chime states there was no deposit returned. Half the time I call the agent barely speaks English or understands what I am saying. They also state that they are escalating a dispute claim but this never happens. I call weekly and have got nowhere. I ask them to review prior notes from past calls and read them to me and they always say that there are none, which is odd because I call every week.
Consumer complaint received 2018-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

XXXX XX/XX/2018 my money is being held due to my opening deposit of XXXX being return do to bank error I had two other deposit to enter the account from debit transfer and USBank is refusing to give me my money and is holding my money
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (NC)

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment.

I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX  COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect
Consumer complaint received 2018-04-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MS)

I have had been a Navient student loan customer since XX/XX/2013. My total amount that I supposedly owe is through the roof. I called them several times to see if I qualified for loan forgiveness an they told me I had to make 6 months to a year worth of payments. I thought that was wrong so I called consolidating program an they told me that they have my loan on lock down because Navient was being sued. I didnt think it was fair for me to suffer to pay when them getting sued isnt my fault. Im asking this could I please have help with this matter.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC (VA)

I

hope this letter finds you well. I am writing to address a matter of utmost importance regarding recent discrepan cies observed in my credit report. As per the regulations outlined in the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 ( 3 ), it is imperative for entities to acknowledge and properly handle consumer disputes concerning the accuracy or completeness of data provided to consumer reporting agencies. Upon thorough review of my credit report, it has come to my attention that certain information has been inaccurately reported. I have taken the necessary steps to dispute these discrepancies, providing ample time for resolution, as explicitly stated in my previous correspondences. However, to my dismay, these disputes have not been duly noted as required by law. Under the provisions of 15 U.S.C. 1681s-2 ( B ), it is explicitly stated that information must not be furnished to any credit reporting agency if it has been notified by the consumer of specific inaccuracies. Despite providing clear notification through certified mail, accompanied by return receipts confirming delivery, there has been a blatant disregard for my concerns and legal rights.