davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
Product: Credit card — Store credit 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. (WI)

I have a Wayfair account through CitiBank credit card company. The Wayfair account shows a credit card ending in a different account that I never had a card for. I've tried to resolve this with CitiBank previously on the phone, email, etc. and they still are not providing any proof of a purchase made by me and my Wayfair account has a XXXX balance because I did pay for my prior purchases with them. I have steadily asked CitiBank to provide proof because they have not. They call and leave messages on my phone from robocalls for debt collection and I know that's illegal, especially since I've asked them to provide proof because I have been a victim of Identity Theft in the past and again recently on 2 other credit cards that scammers have made purchases that I have no clue what the items were and where they went. I am tired of CitiBank harrassing me and causing my credit score to drop. They are a scam company I do believe. 
My account online at Wayfair is a XXXX balance. When I log onto CitiBank website, they have a balance due so they are not on the same page as Wayfair and I'm tired of their scheming.
Consumer complaint received 2023-12-07
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. (FL)

My credit report has accounts and hard inquires on it that was not me who applied for these accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I requested a corrected line item without success. 
The account balance should be {$0.00} The open/close status should be closed Paid off status should be 100 % This company did not notate the date they received my return receipt from certified mail, like similar companies do. I have attached supporting documents.
Consumer complaint received 2024-03-27
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

i was paid a benefit during 2021 which someone took out all my funds in it which is {$15000.00}. I made a call to Bank of america claim department which i filled a claim for the funds transferred out of my account the claim was paid i had my {$15000.00} back in my account. After bank america permanently credited my account back with the sum of {$15000.00} they kept the money away from me they keep telling me i need to make a in person verification which i did several times but yet still with that my card is still be blocked they wont allow me have access to my card and money. I called the XXXX department XXXX i was told they could not do anything since the money has being paid to bank of america it the right of the bank to release my money. But BANK OF AMERICA DONT WANT TO RELEASE MY FUNDS AFTER ALL VERIFICATION IS BEING DONE PLEASE COME TO MY AID ASAP. THANKS
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capitol One Bank approved me for a credit card with a specific credit limit. A few weeks after I began using the card the card became restricted when I called they were asking me for a tax ID number. I explained that Im a US citizen and that I do not have a tax ID number. They demanded that in order to take off the restriction from the card that I send in a copy of my Social Security card, I faxed a copy of my Social Security card to them. The restriction was not lifted so I called them again and asked to speak with a supervisor. The supervisor would not tell me why they were looking into my account only that I needed to let them know what my tax ID number was I again told them I do not have a tax ID number. I am a US citizen and I sent them a copy of the Social Security card. They said that they couldnt see the Social Security card to resend it and gave me a case number I wrote the case number on the paperwork and resubmitted my Social Security card via fax to them, I have phoned again as the restriction was not lifted and they are still asking me for a tax ID number and now they are asking me for my birth certificate and drivers license. This is outrageous that I would be XXXX profiled and targeted in this manner, I am a US citizen and should not be treated this way. I refused to send them anymore of my private documents, and I will be closing this account, but I wanted to report them for this awful XXXX profiling and targeted behavior that they did to me. This is harassment and I will never do business with them again.
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmerAssist A/R Solutions, Inc. (DE)

I have no legal contract with this company I'm requesting for a signature stating I owe this alleged debt. This company also placed a collection on my credit report without written permission and permissible purpose this is a violation of my consumer rights.

Please see attachments below
Consumer complaint received 2023-12-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (CA)

Hello I am a victim of identity theft, I have no recognition regarding these fraudulent accounts. As I was looking over my consumer report, I noticed all these accounts that were not mine. I rarely check my credit report and now Im noticing all of these fraudulent accounts. I even hired an attorney to help me with this process.
Consumer complaint received 2024-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (NC)

Company engaged in frequent calls and mail for a debt not owed. The debt was for a toll in XXXX  which has previously been paid. I asked for the business to stop contacting me and they said they could not stop contacting me until I paid the money or that I would have to send a dispute letter. The supervisor said they would put a note on my account that says cease and desist, but they still have my contact information and private data that I did not supply to them or consent to receive communications from them.
Consumer complaint received 2017-03-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (TN)

False credit reporting and violation of FCRA, Toyota is reporting me currently 30 days late and I have been denied credit numerous times because of this and I can not get them to correct it. This loan was paid off in XX/XX/XXXX and yet it shows 30 days late on my XXXX Report. 


XXXX XXXX XXXX Account Number XXXX Condition Closed Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX Monthly Payment XXXX Last Payment Status 30 days late Loan Term 72 Loan Type Auto Loan Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Closed Creditor Information TOYOTA MOTOR CREDIT CORP XXXX , GA XXXX Phone # : XXXX
Consumer complaint received 2023-04-26
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: WELLS FARGO & COMPANY (TX)

This complaint is for WELLS FARGO. I sent them letters regarding the inaccuracies in my report due to inaccurate reporting reflecting on my credit report but no further action has been taken. They claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. 
States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (AZ)

I Declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by Federal and State LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes A FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under 18 U.S.C. 1621 This item found within my credit report is not related to any transactions that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character and has severely affected my livelihood. 


I WAS A VICTIM OF THE XXXX DATA BREACH AND MY PERSONAL INFORMATION WAS COMPROMISED.
Consumer complaint received 2023-06-22
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. (PA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX Balance Owed XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00}
Consumer complaint received 2022-11-28
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. (OK)

These are the hard inquiries I want to remove XXXX XXXX, XXXX XXXX bank, XXXX XXXX, XXXX XXXX XXXX XXXX These are fraudulent hard inquiries that I already called XXXX XXXX and they are not trying to fix the problem at all tired everything I can with sending in letters still no nothing
Consumer complaint received 2024-02-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (NV)

I am writing in dispute a debt that your company is attempting to collect, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureaus ( CFPB ) guidelines, I dispute the following information regarding the debt : 1.The amount of the debt.

2. The validity of the debt.

3. Any supporting documentation.

Along with violation ( s ) of my consumer rights 1. Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on my consumer report.

2. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) 3. Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means.

4. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Consumer complaint received 2024-02-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc. (KY)

I was never billed for services. I disputed the debt through credit karma. That lead me to contact the collector. They suggested I reach out to my insurance. XXXX XXXX they were never billed for services, to contact the dr office directly. Tried to contact by phone, would not connect. Went there directly, and they moved to hazard. Got the new number and called. They informed me the dr started completely fresh and had ZERO patience records. Can not find a single location or bill stating I owe anything. Contacted the collections again. They said that they mailed me 1 letter that was returned and robo called me roughly every 2 weeks to try to collect the debt. I keep very extensive records. XXXX sends me a copy of every piece of mail that gets sent to my addess. There was no mail sent to my address for the day they sent the letter or 7 days afterwards. I was told at this point it is past the date to dispute and a dispute now does nothing. My options were to pay it or let it sit on my credit for 7 years.
Consumer complaint received 2024-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (VA)

I, XXXX XXXX XXXX have been making consistent payments ( since XX/XX/2023 ) to XXXX XXXX XXXX  on my credit card account ending in XXXX. I have been trying my best to make payments to them, even if I don't have much money and this bank referred my account to a debt collector. This was an unjust referral to a debt collector because I have been making consistent payments to XXXX XXXX XXXXXXXX. Furthermore, XXXX XXXX XXXXXXXX never notified me that they will transfer this account to a debt collector to give me a chance to pay the full balance, or work out some other arrangement. I feel this was very unethical act on behalf of XXXX XXXX XXXXXXXX to transfer my account to debt collector, without notifying me and giving me a chance to work out other arrangements, and additionally, since I was making consistent payments on this account. I have attached the payments I have sent to XXXX XXXX XXXXXXXX since XX/XX/2023. The following company is to whom XXXX XXXX XXXXXXXX transferred my account to. 

Mercantile Adjustment Bureau , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX http : //www.mercantilesolutions.com
Consumer complaint received 2023-01-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (AZ)

M & T Mortgage Account ( through XXXX XXXX XXXX XXXX M & T Bank started collecting a property tax escrow, in error, for my parcel number and an unrelated parcel number starting XXXX and, despite several days of phone calls over the last XXXX months trying to rectify the situation, M & T Bank continues to claim the error is being worked on and refuses to correct the substantially higher monthly mortgage payment required which is now 3 days in arrears. M & T Bank also refuses provide their council information or an employee contact for my attorney. 

M & T Bank 's escrow error was noticed after receiving an M & T Escrow Update Letter in the mail XXXX. M & T Bank was contacted shortly after reviewing the actual tax amount on the XXXX XXXX XXXX XXXX XXXX website and after a further review of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have on file. 

My annual taxes are currently {$2000.00} per year for my parcel # My annual insurance is {$1000.00} per year for my parcel # The first PITI payments for mortgage starting XXXX ( before recent escrow adjustment ) were {$3100.00}. The actual mortgage payment due XXXX, with correct escrow adjustment is {$3100.00}, an increase of {$15.00} per month. 

M & T Bank has raised the mortgage payment to {$3300.00}, which includes taxes for a parcel number I am not responsible for, an increase of {$280.00} per month. 

I've been passed around from XXXX department to the next and to no avail, M & T Bank is not fixing the problem and I'm not only at risk of going into default but ruining my credit if the inflated payment is not made to M & T Bank. 

This is extortion and reason for contacting the Consumer Financial Protection Bureau. 

Please help.
Consumer complaint received 2024-04-18
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. (NY)

This is my several request that I am a victim of identity theft and I write to dispute certain item in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXX Balance : {$770.00}
Consumer complaint received 2023-09-21
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-14
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (MS)

I purchased a prepaid XXXX ( XXXX for local colleges and universities ) issued by U.S. Bank National Association from a XXXX store for {$240.00}, plus {$5.00} XXXX fee on XX/XX/year>. When I attempted to validate the card online to make a purchase, I received a message that the card number was invalid. When I called the number on back of the card ( XXXX ), I was told that there had been activity on the card in XXXX, XXXX. I was directed to upload proof of purchase documents through the online portal ; and received a confirmation number ( XXXX ). When I called to check the status of my reimbursement, I was told that the documents I submitted were declared incomplete and destroyed. I have submitted and resubmitted documents 3 times via fax at a XXXX  Store ( costing $ XXXX {$8.00} ) which included photo ID, front and back of the prepaid gift card, 2 proofs of mailing address to the postal box ; and each time I call to check the status, I am told that the documents have been illegible or deficient ; and that the Offline Team destroyed the fax. I have filed a complaint with a supervisor about the reimbursement process, but received no follow up within 3 business days as promised. I have called and asked a supervisor to escalate my complaint, but have yet to hear from anyone regarding my claim. I hope that my complaint will help other consumers who may have experienced similar problems with prepaid gift cards.
Consumer complaint received 2024-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Early warnig reports was over XXXX {$2000.00} when i actually out! With loans, from 21diff. Member numbers. XXXX XXXX, had a few acc. XXXX XXXX HAD a few accounts, XXXX XXXX, but BoA was th re common denominator in alot of the situations. And quite afew more small different banks. Looked like alot of monry launtering going on. I told XXXX she gave them 3 different birthdates on the 3 arrest while i filed charges for the aggrivated assault charges.. and she used the same lawyer i had XXXX XXXX which was conflict of interest. And i wasnt even called about the case. And XXXX helped put me out with my birthcertifiate, ssn ( card ), and an original. XXXX. I was never given access to the mailbox and her and the postal wrker was on first name basis.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

FCRA 605B mandates the elimination of any erroneous entries from my credit report. Could you kindly review the documents? Certain listed accounts are reported inaccurately and should be promptly expunged.
Consumer complaint received 2024-03-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (AL)

On the morning of XXXX XXXX, I was contacted by two men claiming to be with Conn 's XXXX, under phone # XXXX. Both men had very thick middle eastern accents and would not provide their names. The first man I spoke to stated an account had been opened using my name, DOB, and SSN, which he attempted to have me verify and I declined. He then said the account was under Invoice # XXXX and it had a balance of {$340.00} on it. He further stated the last payment received was {$50.00} on XX/XX/2022. 

On XX/XX/XXXX, I received the attached flyer in the mail concerning another Conn 's account, under invoice # XXXX, with the same exact amount owed, but under invoice # XXXX. I reached out again to Conn 's Fraud Department concerning this new attempt to steal my financial information and have not heard a response. Both accounts are fraud as all the accounts I've had with Conn 's are paid in full and closed as stated in my credit reports. I am seriously considering getting an attorney involved.