davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
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: Affirm Holdings, Inc (NY)

Back in 2016 I had my wallet stolen which resulted in a fraudulent loan being opened. I had filed police reports, identity theft reports and disputes with the credit bureaus. The only credit bureau that continues to tell me that this debt is valid is XXXX, however it is NOT. I did not open the account and this fraudulent account is negatively affecting my credit score. I am trying to get my finances and scores on track and I can not do that because XXXX is not cooperating. I am attaching the Identity theft report and police reports to this thread and I would like this handled properly. I have attempted to discuss this with Affirm and they are telling me to go to the credit bureaus and claim I am responsible for this account. The product that was ordered was never delivered to my address as Affirm is aware. They also have a signature from the other address which is not a property that I am affiliated with and the signature is not mine. The email address and phone number associated with said account were not mine either. There is NO validation of this debt as IT IS NOT MINE.
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (NY)

Back in XXXX  I had my wallet stolen which resulted in a fraudulent loan being opened. I had filed police reports, identity theft reports and disputes with the credit bureaus. The only credit bureau that continues to tell me that this debt is valid is Experian, however it is NOT. I did not open the account and this fraudulent account is negatively affecting my credit score. I am trying to get my finances and scores on track and I can not do that because Experian is not cooperating. I am attaching the Identity theft report and police reports to this thread and I would like this handled properly. I have attempted to discuss this with XXXX and they are telling me to go to the credit bureaus and claim I am responsible for this account. The product that was ordered was never delivered to my address as XXXX is aware. They also have a signature from the other address which is not a property that I am affiliated with and the signature is not mine. The email address and phone number associated with said account were not mine either. There is NO validation of this debt as IT IS NOT MINE.
Consumer complaint received 2024-03-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX IS PASS STATUTE OF LIMITIATION SHOULD HAVE FELL OFF
Consumer complaint received 2023-06-02
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: LOBEL FINANCIAL CORPORATION (CA)

I tried to negotiate a settlement offer with this company and they wouldnt go down more than XXXX dollars from a XXXX balance. Which is ridiculous to me. Thats not much of a negotiation. Now its constantly bringing down my credit.
Consumer complaint received 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Via their service I have signed up for next day payments. Bank of America at multiple different time since I been using this service has had my funds available the next business day. And like now, theyre processing my deposit two day later. A few months ago the issue was corrected for a few weeks, now were back to two days. This is cause HUGE problems with me being a small business trying to keep up with inventory and payroll. This is also causing me to over draft quite often. I do not understand how Bank Of America ( BOA ) is able to flip flop back and forth with my money. This should be illegal. Its like they doing this to make people over draft so they can collect free money.
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ALCHRO INC. (FL)

I was NOT sued - it 's the closest radio button to what occurred. My FIRST notice of this outstanding debt was an Alert from XXXX credit monitoring on XX/XX/2016. I contacted the collection agency and spoke with XXXX XXXX for information. Turns out its a bill from a drs office - I never received the bill for XXXX b/c they were admittedly mailing it to an address in XXXX XXXX - instead of my City of residence in XXXX. I informed them that they needed to remove this since I never received proper notice. After speaking to the Drs office who was apologetic about the mistake and indicated the collections agency would correct and remove as a mistake. Today I see that they added it AGAIN as UNPAID debt. Meanwhile the outstanding amount was paid YESTERDAY after a discussion with the Drs office. It 's retaliation and harassment. XXXX XXXX was refusing to acknowledge that their reporting was in violation of the FCRA during our phone conversation and intentionally pushed through an " UNPAID '' report to XXXX after I paid. According to the Drs Office - they notified the collections agency to cease and CORRECT the report - Clearly it was pushed through incorrectly on XX/XX/XXXX.
Consumer complaint received 2018-10-12
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: CITIBANK, N.A. (FL)

We are almost about to lose our house due to their inaccurate reporting. 

We have disputed many many times with them and no results. We have confirmed Dispute Results that state the will remove the Items yet they still show up. I will attach the letters. 

Inquiries that are not ours either. We found out we were victims of the XXXX   Data Breach. This has cost my family grate harm and we are about to lose everything now. WE have never missed a payment and our fixed debt is outrageous. We will be forced to file bankruptcy and sue them if this doesn't get corrected by early next week. 

We are trying to get funding so we can pay our Credit Card Debt off and we are unable to do so. 

XXXX is reporting outdated info XXXX bought the debt and is reporting dates wrong and outdated information. 
All of which are aware. We have a recorded conversation with a XXXX Executive stating she didn't even have copies of our paperwork. Yet they have verified it as accurate 3 or 4  times? That is a Clear Violation. 

CBNA is an inquiry not authorized XXXX  XXXX and XXXX as well. 
XXXX sent us a letter stating that it was fraud and they wouldn't even open it for them. I sent that it to the agencies and nothing!
Consumer complaint received 2023-06-02
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: Experian Information Solutions Inc. (PA)

I have found unauthorized inquiries on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit reporting agencies to review these inquiries ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to deleted the following inquiries information on my credit report. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX.
Consumer complaint received 2017-04-03
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc. (FL)

I have XXXX separate leases on XXXX vehicle all dated the same date ( XXXX/XXXX/XXXX ). ( Yellow Copy attached is my Copy ) and the only one with my signature but wrong months, which I file a complaint with GM about back in XXXX. Second is GM Financials ( their Contract XXXX pages attached ) provided to me on XXXX XXXX, XXXX with a Fraudulent Signature and multiple changes including a crossed out amounts, and several discrepancies including payoff is {$0.00}. Third is Dealership Copy of their Lease which is unsigned. I have notified the XXXX as well as the Attorney Generals Office and have enclosed all paperwork for your file.
Consumer complaint received 2016-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cascade Collections, Inc. (MO)

I paid off my Home ownner Association dues before a left the home.That was approximately 5 years ago. The Home owners association confirmed the debt was paid. Over the years I have told them numerous times that their records are wrong and it is effecting my credit rating. They refuse to correct this and keep sending me demand notices. The name of the agency is Cascade Collections , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX. The name is XXXX XXXX account # XXXX Re : XXXX HOA in XXXX XXXX. I live at XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/ my checking account information was stolen and used to withdraw several XXXX dollars from my account. I did not receive any notification indicating that suspicious activity was taking place and found over 20 pending electronic withdrawals with amounts ranging from XXXX to XXXX dollars. I made a police report describing the unauthorized withdrawals and then called chase bank 's fraud department to make a claim. I informed them of the unauthorized withdrawals and they stated that will be receiving a call from their fraud department within 24hrs of the initial claim. I never received that phone call. I called back asking when I would be receiving the temporary credit and when the investigation will be finished. I got several different answers over the next three to four phone calls that I had to make due to their lack of effort and interest in their customers. Over the exchanges on the phone, I had stated the urgency of this being handled in a timely manner due to my plan of moving cross country in less than two weeks before the fraud had taken place. I needed that money so that I could make my trip and start my new job on time. It could not have been more difficult to get a consistent answer from the multitude of Chase Bank employees. Ultimately I received a credit for the money that had been taken from my account however Chase had stated that it is a temporary credit and that a member of the fraud investigation department would be contacting me. I never received that phone call. However, they did decide, without any notice, to reverse the credited money and not honor the claim that I had made. I intend to close my account with Chase Bank and let everyone I personally know that they do not have the customer 's best interest in mind when it comes to matters of fraud.
Consumer complaint received 2023-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (VA)

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed!! Immediately
Consumer complaint received 2024-03-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-06-02
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. (NC)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2022-12-08
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. (TX)

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED THESE UNAUTHORIZED HARD INQUIRIES AN UNAUTHORIZED COLLECTION ACCOUNT ON MY CREDIT REPORT WHICH IS HINDERING ME FROM GETTING APPROVE FOR MY NEW HOME PLEASE HAVE THIS RESOLVED AND REMOVED ASAP.
Consumer complaint received 2023-06-02
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: GOLDMAN SACHS BANK USA (FL)

Sunday, XX/XX/XXXX, my Apple credit card balance was around {$510.00} ; I paid {$390.00} towards the card to pay the remaining balance off in the coming week, possibly even the week after. The original balance, which was {$510.00}, which was due on the XXXX XXXX XXXX. However, I am a full-time XXXXt and do not want to be against the wall in credit card payments so close to the end of my XXXX XXXX, so I like to pay off my cards on time and have never had any issues with any of my cards until now. As I said, I paid {$390.00} towards the card but was charged twice instead of just once due to a glitch on behalf of Apple 's system. My original thought was that since XXXX times two is well over the XXXX dollar balance on the card, on top of the fact that only ONE of the XXXX dollar payments was taken off the credit, I believed that Apple would recognize the error and waiver the payment and forget about it, I was wrong to assume this. Come Tuesday, XX/XX/XXXX, I got an email stating that my bank account balance was at an overdrawn number of - {$340.00} and some change ; my balance before I made the payment to Apple was in the mid XXXX, so there was no reason for my account to be overdrawn after making ONE payment of XXXX dollars. I first asked for full reimbursement of the XXXX dollars, and I was told I would receive the XXXX dollars that I was falsely charged, and this did happen today, XX/XX/XXXX ; I see that I received the XXXX dollars in my bank account, but my card balance is XXXX dollars over what it should be, meaning that the XXXX dollars I never paid for but was charged for anyways have suddenly magically appeared into existence. My frustration is with the lack of a solution and the inability to fix the simple issue of Apple 's credit card system.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

On XX/XX/XXXX, I tried to sign into The Work Number to view my credit report. On XX/XX/XXXX, I called and got help creating account since it wasn't working the day before. We got further, but upon logging in, I now get a XXXX error no matter the browser or computer I use. The rep I spoke to said he'd get it over to his IT team and that they would probably " have it resolved today, but definitely tomorrow '' and that this was a " common '' error. That afternoon I followed the instructions to get the report by email. On XX/XX/XXXX, I got an email from XXXX that my ticket was being closed, but it was unclear what it was in reference to, or what had been solved. As far as I can tell, they did nothing. On XX/XX/XXXX, I sent another email asking about a report over email, and I tried logging in as well and still get the same XXXX error.
Consumer complaint received 2023-06-27
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. (RI)

i look on my credit report unknown things on report these are the list of the inqures i want revomed. XXXX XXXX on my report 2 times. XX/XX/XXXX XXXX XX/XX/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 2020-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (WA)

To : Consumer Financial Protection Bureau, CFPB From : XXXX XXXX XXXX Re : Citicards CBMNA, acc. # XXXX Recently I disputed the Citicards account noted above with the three Credit Reporting Agencies. On receiving the results of that investigation I then sent a Direct Dispute with Citi in accordance with : Additional Furnishers ' Duties Under the FACT-Act ; 312 of the FACT-Act expands furnishers ' affirmative duties concerning the accuracy and integrity of the information they furnish, contains a provision that allows consumers to file disputes directly with the furnishers, and specifies the procedures furnishers must follow in responding to direct disputes. 

Please see the attached letter I sent to Citi describing my Direct Dispute and including a copy of the XXXX Report described in my letter. I have not knowingly or inadvertently missed each or any of the payments on this account as described in the attached copy of my credit report for this account flowing its investigation by XXXX. Which clearly documented the account as well as demonstrating the Citicards had identified both myself and the account in their response. 

Please then see the attached letter from Citicards, where the first line reads ; We received your credit bureau dispute. Where the Direct Dispute demonstrated in my letter to them was simply ignored by Citicards. There can be no mistake in my letter as it demonstrated the authority under the Fair & Accurate Credit Transactions Act. This places Citicards in direct Volation of the FACT-Act. 

Where in their response, I use this word carefully as a response can in no way be confused with a Reply, which requires answering the request and questions put forward, Citicards has behaved as if theyre simply obtuse and unable comprehend the information provided in my Direct Dispute. 

Preferring instead to send me a generic response placing an additional nine ( 9 ) proposed conditions. Attempting to place additional burdens on myself, the consumer, in order to proceed with their proposed credit bureau dispute. Which has been clearly demonstrated as a Direct Dispute in accordance with 312 of the FACT-Act. While also demonstrating the credit bureau dispute that had already been accomplished and also demonstrated to Citicards in my letter to them. 

None of the information I provided to Citicards can be disputed. Where the quotations can all easily be described, for example, in the : NATIONAL CONSUMER LAW CENTERS REPORT, AUTOMATED INJUSTICE : HOW A MECHANIZED DISPUTE SYSTEM FRUSTRATES CONSUMERS SEEKING TO FIX ERRORS IN THEIR CREDIT REPORTS XX/XX/XXXX Please see a copy of page 21 of this report attached which clearly demonstrates : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ).