davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had XXXX XXXX Which i canceled on XX/XX/2020. After Due to covid-19 everything was shut down. I was not able to return Equipment 's to XXXX. 
Finally I returned equipment 's to XXXX on XX/XX/2020. But i had Dispute with XXXX they Asking {$600.00} But According to Me it was {$330.00} Finally they took {$330.00} from my checking account and sent me satisfactory letter. which i will attached with complaint. Last month an half i was trying to request all 3 Credit Bureaus to delete this account but every time they come up with very unique excuses. 
Which doesn't comply accordance to FCRA
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I am reaching out once again to address the items previously highlighted in the complaint dated XX/XX/2023, categorized under each specified bureau. I urge you to expeditiously eradicate these entries from my credit reports in compliance with the Fair Credit Reporting Act ( FCRA ). The following items are identified for removal under each bureau : XXXX : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX Balance Owed : {$6400.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MN XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX  ) XXXX Balance Owed : {$6400.00} XXXX : XXXX XXXX XXXX XXXX, MN XXXX XXXX/XXXX  XXXX  XX/XX/2023
Consumer complaint received 2021-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (TX)

On XX/XX/2021 my phone and bank card was stolen by a relative. A police report was made. Case number and individuals name were provided to citibank. 3 atm withdrawals were done for XXXX each. Citibank originally credited back stolen amount then reversed charges indicating card never left my possession. This is untrue and police report if the ever obtained it reflected that.crockett texas police dept
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RentDebt Automated Collections, LLC (TX)

I created an account to monitor my credit and was surprised to see a collection on my credit profile that was updated to paid when it was to be deleted with payment. When this balance was addressed I was informed it would be removed from my credit with payment. With further research, I find that I should have been allowed a statutory period in which to dispute the validity of this debt since it was not my debt to pay. Due to the fact that I was not provided the option to validate the debt and the fact that I was advised it would be deleted from the credit bureaus with payment, I would like this collection removed from my credit due to erroneous, mdeceptive collection practices. 
Thank you XXXX and XXXX XXXX
Consumer complaint received 2022-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

My checking account with XXXX  XXXX XXXX had cashed a forged check. The same day I tried paying my bill for Barclays, which did not go through. Since the payment was returned, I was charged a fee. However, this was due to my accounts fradulent activity that I had a negative balance and the payment was returned. Barclays will not return the fee.
Consumer complaint received 2021-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX is reporting inaccurate information on my Equifax credit report. They are reporting that I was late 30 days 11 time. I was never late on this account. My payment status on my report shows current which means I have never been late. They have not provided any documentation to show proof I have been late on this account. I have asked them to remove this late payment from my account many of time and nothing has been done. I have disputed this information 6 times. Below I have uploaded supporting documents.
Consumer complaint received 2021-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada) (FL)

This account was a prepaid account with no contract. It was a month to month bill. When our bill cycle was up we did not use service and service was off. We have paid all bill as agreed for prepaid services. These charges are incorrect and I am being billed incorrectly
Consumer complaint received 2020-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX XXXX XXXX {$830.00}. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately
Consumer complaint received 2021-03-19
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. (OH)

After viewing my credit report I came across some unauthorized inquiries that I do not recognize. Each inquiry into my credit report is listed below : XXXX, XXXX, XXXX.
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: DISCOVER BANK (FL)

I applied for a Discover credit because they advertised the below information : " Annual Percentage Rate ( APR ) for Purchases 0 % intro APR for 14 months from date of account opening.

After the intro APR expires, your APR will be 13.49 % to 24.49 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers 0 % intro APR for 14 months from date of first transfer, for transfers under this offer that post to your account by XX/XX/2020. 
After the intro APR expires, your APR will be 13.49 % to 24.49 % based on your creditworthiness. This APR will vary with the market based on the Prime Rate. " After I received the card it said the 0 % intro APR is for " 6 months '' not " 14 months ''. I called and I was told it was " based on creditworthiness. '' I stated the advertisement does not say that it states " After the intro APR expires. ''
Consumer complaint received 2022-03-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXXI XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions
Consumer complaint received 2020-03-13
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC (PA)

The collection agency left 2 voicemails in one day. The first message was left at my employer on a recording and the second voicemail was left on my personal cell phone number. The first message was left XX/XX/20 between XXXX XXXX and XXXX XXXX. EST. The second voicemail was left on my personal cell phone at XXXX from a XXXX phone number. When I called in, the first representative hung up on me after I advised that I will be XXXX  the number to ensure that the company is a legitimate company. The second representative was a male that indicated that he would notate the account in regards to the conversation. A settlement was offered and after he advised about the settlement, I advised him that there were 2 violations in regards to the FDCPA and he insisted on getting me to a supervisor but was unable to do so. He advised me to hang up and call in and ask for extension XXXX because that is the extension for supervisors. I called back and asked for extension XXXX and the female that answered indicated that there is not an extension XXXX ; however, gave her name and said that she is a supervisor. I advised the situation in regards the violations and she was very defensive. All representatives indicated that the calls were recorded and that she will forward the information.
Consumer complaint received 2021-03-19
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: EQUIFAX, INC. (OH)

After viewing my credit report I came across some unauthorized inquiries that I do not recognize. Each inquiry into my credit report is listed below : XXXX, XXXX, XXXX
Consumer complaint received 2020-03-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc. (CT)

I have reached out to this company XXXX of XXXX no one ever contacted me. The amount never changed that was owed even though I paid on the loan from XX/XX/XXXX to XX/XX/XXXX. I even made extra payments. When I try to file a complaint to their website and upload documents it wont allow me submit all my bank statements for the amounts I paid for the year.
Consumer complaint received 2022-03-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lefkoff, Rubin, Gleason & Russo, P.C. (GA)

This companyis garnishing my paycheck. I was never served with any paper work of the lawsuit and this suit was filed after the statue of limitation. This veh was repossesed XX/XX/XXXX I only found out about the garnishment through my job advising me on XX/XX/XXXX.
Consumer complaint received 2022-03-23
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: OneMain Finance Corporation (MS)

I have hard inquiries on my report that I have no knowledge of. 

XXXX : One Main financial on XXXX XXXX XXXX : one main financial on XXXX XXXX XXXX : XXXX card services on XXXX 2021 I havent dealt with any of these companies and have not given them permission to pull my credit report.
Consumer complaint received 2021-03-19
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I submitted 2 disputes with Equifax on XXXX XXXX for XXXX a student loan service for a missed payment due to Covid 19 and XXXX for a missed payment on XX/XX/2021 on a closed account over, 6 years old. These accounts have been in dispute more than 30 days and has not been resolved and Equifax keeps telling me the disputes are still being process. Its well over 30 days with no results. I have attached the dates I filed the disputes and the estimated dates for them to be resolved by.
Consumer complaint received 2020-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

All of my credit cards with Chase were closed on XX/XX/2020. They mentioned that my revolving credit suddenly increased, but this was because I went on a XXXX vacation with my husband. 

They notified me that they were going to close all of my credit card accounts. I was taken aback immensely because I am an existing Chase Checking Account customer with a combined annual income of {$280000.00} with my husband, and we're XXXX years old working for major companies. As a young adult, I was surprised, as I have never had a late payment. We have many times more assets needed to pay any sort of credit card bill. I never conducted any sketchy business activities. In fact, I use credit extremely responsibly and I simply wanted the credit cards for the benefits they provided at hotels, airlines, etc.
Consumer complaint received 2021-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Heavner, Beyers & Mihlar LLC (IL)

XXXXXXXX XXXX XXXXXXXX filled a Summons and complaint on XX/XX/2021 under Cares Act, even they dont have the right to they are trying to get a judgment for foreclosure and Sale on XX/XX/XXXX @ XXXX there is a court hearing on XXXX county circuit court see summons attached
Consumer complaint received 2021-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX5 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- XXXX ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (IL)

Company is claiming to be creditors. I found this mistake in the Card Agreement. Stating that " This Agreement is entered into between you and us in the State of Utah and " WE EXTEND CREDIT TO YOU '' from Utah. '' I am going to need proof of HOW they are creditors. How can they be a creditor AND a debtor? Where is my finance charge? If they are creditors, that would mean I myself the consumer, provided a finance charge. Here is the definition of a creditor by law.

Creditor- ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter.

They are in violation of 15 U.S. Code 1692e - False or misleading representations. Also they are in violation of 15 U.S. Code 1611- Criminal liability for willful and knowing violation.
Consumer complaint received 2020-03-13
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (CT)

American Express called my husband on XXXX XXXX XX/XX/XXXX / XXXX XXXX. They called my brother in-law XXXX XX/XX/XXXX ) multiple times to discuss my past due amount. They told my brother in-law an my husband ( who is not on this account and we're separated ) that they are trying to find me in order to collect debt. They were not authorized to discuss this with anyone but me. They did not attempt to contact me before they called them. I do not have any emails / voicemails or missed calls from them. 
This happen multiple times. Even after I made my payment. I reached out to them multiple time and complained about them discussing this issue with strangers. On XX/XX/XXXX I spoke to 4 different people on the on-line chat about this. No resolution. I told them on-line, in writing, that I want to file a complain. A week later they called my husband again. hem multiple times and told them on their on-line chat not to contact anyone by me. They did not attempt to call my cell / home or email. They directly called the people listed above. This happen multiple times after I spoke to them and told them not to do it. On XX/XX/XXXX they called my husband again, without trying to contact me first.
Consumer complaint received 2021-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I've contacted all three bureaus protesting the inaccurate and wrong information/names/addresses on my credit report. The bureaus has yet to delete the wrong names and addresses, unverifiable information and fraudulent accounts on my report. I demand immediate action to remove any and all fraudulent, unverifiable, inaccurate or wrong information/items from my credit report.
Consumer complaint received 2020-03-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$29000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- PERSONAL ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account.
Consumer complaint received 2020-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XX/XX/XXXX, I logged on to my Experian account to check if a new account was reported yet, when I noticed my citicard was reported as closes account, no reporting info, I had checked my Experian account at midnight and it was showing the account, so I called XXXX they said no account is good, so I called Experian and spent an hour on the phone spoke to 4 different individuals, I was told because my subscription was cancelled after my 30 day free on Experian that why this is happening they were rude, my score dropped 20 points from XXXX to XXXX because they show the account as closes no reporting of payment I ha e exceptional payment history never missed a payment ever I'm disgusted with Experian and think it's wrong of them to use my membership as a way to control my score I have it recorded,