davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In XX/XX/XXXX, an account I had with XXXX XXXX was closed. Despite the account being closed, this account continues to report active delinquencies. In fact, the bureaus have reported continual 120 day late payments every month since the account was closed, and continues to do so. I have contacted the credit bureaus to correct this issue multiple times, but they refuse to take any action.
Consumer complaint received 2021-06-17
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. (PA)

I have reached out to the bureaus several via mail asking to remove these fraudulent accounts. 
XXXX/XXXX Account # XXXX balance- {$480.00} XXXX/XXXX Account # XXXX balance- {$580.00} XXXX XXXX Account # XXXX balance- {$990.00} XXXX Account # XXXX balance- {$1400.00}
Consumer complaint received 2021-06-17
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)

I have reached out to the bureaus several via mail asking to remove these fraudulent accounts. 
XXXX/XXXX Account # XXXX balance- {$480.00} XXXX/XXXX  Account # XXXX balance- {$580.00} XXXX XXXXt Account # XXXX balance- {$990.00} XXXX Account # XXXX balance- {$1400.00}
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

In XX/XX/2019, an account I had with Capital One/WalMart was closed. Despite the account being closed, this account continues to report active delinquencies. In fact, the bureaus have reported continual 120 day late payments every month since the account was closed, and continues to do so. I have contacted the credit bureaus to correct this issue multiple times, but they refuse to take any action.
Consumer complaint received 2021-06-17
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. (FL)

I am writing to you in order to figure out the way out from the terrible situation that happened with me. I have fraud activity in my credit report mainly fraud accounts. SO I figured out accounts that are not mine. I am victim of identity theft. Please delete them from my credit report.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants' Credit Guide Company (IL)

Account Name : MERCHANTS CREDIT GUIDE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} Reason : Identity theft Please remove it from my credit report. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2021-06-17
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. (FL)

I am writing to you in order to figure out the way out from the terrible situation that happened with me. I have fraud activity in my credit report mainly fraud accounts. SO I figured out accounts that are not mine. I am victim of identity theft. Please delete them from my credit report.
Consumer complaint received 2020-03-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I contacted Bank of America to inform them about that Id been scammed by the XXXX account which they linked to the bank for money transfer. I informed them that I made those transfers but was not given the service I was promised and they told me that they cant do anything about it. They linked the app to their bank and I believe they should be responsible because they required I sign up for the app when I opened the bank. My vendor did not deliver on the service and they are not holding any liability for this. Ive contacted the bank several times without them taking any actions to help me
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA Federal Bank closed my bank account with any notice or any heads up. By them closing my bank account it effected my direct deposit from my job, and cause an eviction notice for me and my family. I had made some disputes because all my personal information was stolen including my SSN, and I reported the claims. But instead of USAA trying to help resolve the situation, my account was closed without any notifications or warnings.
Consumer complaint received 2020-03-18
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: Experian Information Solutions Inc. (CA)

I was made aware of two accounts with negative history appearing on my credit today XX/XX/2020 ; I found out that these accounts were on my credit because I went to refinance my car and I was told I did not qualify to refinance due to having negative accounts on my credit report. I was confused because I have always made sure to make my payments on time for any loan or credit card. I looked through my credit report and there was an account from XXXX XXXX & XXXX XXXX with negative payment history. Neither of those accounts is mine nor did I allow anyone to open them in my name. I did not benefit anything from those accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards either of those accounts. I am not affiliated with either of the companies listed above and I never allowed them to run or access my credit. I have filed a complaint with the consumer financial protection bureau regarding these unauthorized accounts.
Consumer complaint received 2021-06-17
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. (NM)

I have disputed these inaccurate accounts that are reporting to my credit report for validation and all companies involved XXXX XXXX, XXXX, XXXX, and Transunion have all verified them reporting as " Accurate ''. I received a letter from XXXX XXXX on XX/XX/2021 showing the itemized information they are claiming as accurate and have an incorrect SS # listed under my personal information that is NOT mine! This false information can be someone else! See attached copy letter from XXXX XXXX and my credit report showing how they are reporting false/inaccurate information to XXXX, TransUnion, and XXXX!
Consumer complaint received 2020-03-18
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. (CA)

On XX/XX/2020, I raised a dispute of or a {$190.00} charge from XXXX ( XXXX XXXX XXXX XXXX ) vacation package that was posted to my Citibank credit card and that I did not authorize. As part of the dispute " evidence '' the merchant ( XXXX ) provided to Citibank was simply a short verbiage claiming that I purchased the vacation package during a phone call, but did not provide a recording of the call as evidence. I, however, provided a 5-page documentation including attachments of my interactions with the merchant that very clearly supports that I did not authorize that charge. Citibank unfairly resolved the case in favor of the merchant and reversed the chargeback. On XX/XX/2020, when I spoke to a Citibank billing dispute representative about it, he agreed that the resolution was unreasonable too but stated that Citibank could pursue the case no further. I asked him what evidence the merchant provided to prove that the charge was valid and he stated that the only evidence that the merchant provided was that the credit card was valid, the merchant claimed that there was a voice recording of my call with them ( but denied to provide said recording ), and a document of terms and conditions. A rational person would clearly understand that neither of those constitute as evidence. However, Citibank still resolved in the merchant 's favor, which is very anti-consumer and goes against consumer protection laws established not only in this country but my state of residence in California as well. I implore Citibank to do the right thing and resolve this dispute in a fair manner.
Consumer complaint received 2020-03-18
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)

I was made aware of two accounts with negative history appearing on my credit today XX/XX/2020 ; I found out that these accounts were on my credit because I went to refinance my car and I was told I did not qualify to refinance due to having negative accounts on my credit report. I was confused because I have always made sure to make my payments on time for any loan or credit card. I looked through my credit report and there was an account from XXXX XXXX & XXXX XXXX with negative payment history. Neither of those accounts is mine nor did I allow anyone to open them in my name. I did not benefit anything from those accounts such as money, goods, services or any other benefit and I did not contribute to any payments made towards either of those accounts. I am not affiliated with either of the companies listed above and I never allowed them to run or access my credit. I have filed a complaint with the consumer financial protection bureau regarding these unauthorized accounts.
Consumer complaint received 2020-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

I contacted somone who advertised a house in XXXX XXXX, CA on XXXX website. He gave me the address, I checked to location and neighbourhood, I didn't check inside the house because it was occupied by others. I liked the neighbourhood and we agreed that I will occupy the house on XXXX of XXXX. We also agreed that I will pay on zelle, he gave me the lease contract, and I paid. Then I went to the house on XXXX of XXXX at XXXX XXXX, wait for him for 2 hours he didn't show up, I tried to contact him, he didn't reply may emails and text. I contacted Zelle, they send me to the bank, I contacted my bank XXXX XXXX, they said because I authorised the transaction they can't help me returning the money. They said they will do the investigation, but they didn't send me any mail about this. The scammers were two, a lady who is the owner of the property, she contacted me, we had a call and a realtor who was like managing the property for the owner. I paid the owner. I also contacted XXXX which the scammer uses, but they didn't take my call, send them an email but they didn't reply to me. I felt helpless as an international student in this great country. I lost $ TheXXXX
Consumer complaint received 2020-03-18
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: EQUIFAX, INC. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including a bankruptcy. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXXI XXXX {$460.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (CA)

I'm very new to US and arrived in US for work at the end of year XXXX. I applied a discover credit card when I get my SSN to start to build credit history with the country. Everything went smoothly at the very beginning- I got my credit card approved and start to consume with the card. 

I used the card mainly to purhase in grocery stores and rent a car before I purchased my own car. I paied the bills on time with no overdue happened. 

On XX/XX/XXXX, I notice my card was closed in a sudden with no notification. I called Discover to understand the closure reason. They said they were not able to provide the reason on the call but has sent out a notification in mail which should be expected to arrive within 7-10 business days. 

On XXXX XXXX, I called discover again since I still didn't receive the notification. I was redirectly to 5-6 account managers. At the beginning, they told me that the notification has been sent out and they have no idea on why I hav n't received yet. With 5-6 rounds of redirection, they finally re-directed me to the right person and I was told that the notification hasn't been sent out yet. They also told me they had no idea on when the notification will be sent out. 

I want to file the complaint because : 1. I used the credit card correctly and there's no reason that they can close my account. 
2. They promised me to send out the notification but I still haven't received yet.
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (MO)

Please see XXXX, reopening. HSBC has not provided explanation on why incorrect 1099-C code was inputted on form. HSBCs response to see previous correspondence from them is insufficient as the code should be A for bankruptcy and they have never provided any explanation on why the incorrect reporting codes were used. This card was cancelled and closed due to a bankruptcy filing.
Consumer complaint received 2021-06-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (OR)

I had went thru bankruptcy. And then was ok but seriously almost death 2 XXXX  I became XXXX fell behind ended up haven't to stop paying the super 12 % interest citi mortgage as was focused on trying to save home as chase was foreclosure in process ok so get chase to modify some then had reached out in XXXX  to citi bank to start paying some how to fix the mess and was told 2 different times ( my wife made me call 2nd time to hear what was said ) but at that time I was told loan had been charged off ..and there was no department to talk to ... so here I am thinking ok ..presents from XXXX ... ... .by my calculations I had in 10 yrs of being trapped in this loan 12 percent paid them XXXX which is XXXX over the original mortgage amount I taught ok great they wrote it off on tax or something but now trying to refinance home to get lower rate from 8 to 3.25 ... .well citi bank comes up as a lein I tried to set up something to fix this and they told me a dream lie. ... predatory Leander 12 percent fast talking sales got me roped into this mess. So I not happy now I more likely can't get refinance. And they have made profit of XXXX above already. Help me please
Consumer complaint received 2020-03-18
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. (UT)

XXXX XXXX # XXXX is reporting a charge off to my credit that should not be on there. I never received any kind of notice that this account had gone past due and no longer had auto payments nor did I get a notice that it charged off. I only found out about it once I had my credit pulled and saw the account on there, and as soon as I found out I went and settled the account. This should not be on my credit report as it is in violation of my 30 day right to dispute and has already been paid.
Consumer complaint received 2022-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (FL)

radius global solutions, llc wrote a letter on XX/XX/XXXX saying i owed {$180.00} to XXXX XXXX XXXX. they alleged that my account with XXXX XXXX XXXX  was for XX/XX/XXXX, XXXX i have had no accounts with XXXX XXXX XXXX  in XXXX, XXXX, or even XXXX. My credit report also does not show XXXX XXXX XXXX  or any debt to them or this " Radius Global Solutions, LLC ''. I believe this to be a fraudulent claim and would like to report this company to the proper authorities so that they can investigate and keep this company from scamming others.
Consumer complaint received 2021-06-17
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: Aqua Finance, Inc. (CA)

I purchased a walk-in-tub about four years ago and I was told that the loan with Aqua Finance did not go through so we paid cash, XXXX and XXXX. Now after I notice that my checking account was being charge {$280.00}, per month, I closed that account and found out that Aqua Finance had been charging me monthly for windows, I don't have windows done by this company. I agreed to pay a settlement amount of {$15000.00}, with a XXXX XXXX on XX/XX/2021 and the agreement was to be good until XX/XX/2021, my escrow company mailed out the check for said amount on XX/XX/2021, and now aqua Financial is paying word games and trying to extorted another {$4000.00} out of me.
Consumer complaint received 2020-03-18
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. (OH)

XX/XX/2020 mailed a letter to Experian requesting an investigation of an inaccurately reported information on my credit report. The account is " XXXX XXXX XXXX '' and this account shows many discrepancies, one that I pointed out was the payment history and past due balances. 

XX/XX/2020, I received an updated report showing that Experian investigated the discrepancies. However, there were no changes and nothing was fixed or deleted. Which means, this account is still reporting illegally under the Fair Credit Reporting Act.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (MA)

The date that this card was opened is XX/XX/2023. The card is from Discover Bank and I have called them to disable that account since I never inquired from them personally. Fortunately they provided the address and email where the card was attached to. The address is XXXX XXXX XXXX XXXX XXXX, NC. The email address ( from memory ) was XXXX but I would rather have Discover tell me the email again. The credit card has a limit of {$2000.00} and the person who used it spent ~ {$1900.00} on it and did not pay it off.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

Hello. This was CFPB Complaint XXXX for Equifax and now it is this CFPB Complaint ... Just so you know, that is. With that said, upon trying to mail Equifax at XXXX today, XXXX21, I found out that I can NOT mail ANY information to Equifax because they have provided me with NOT a thing other than a XXXX XXXX XXXX which is 100 % UNacceptable. In other words, know I require a Mailing Address for Equifax and have yet to be given one.
Consumer complaint received 2024-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MI)

I purchased some medical goods from a seller through PayPal and I was told by the seller that there was some problems with the funds I sent so I contacted PayPal for the transaction receipt and PayPal confirmed that the transaction was successful but the seller insisted that there was still problems so I reached out to PayPal to have them cancel the transaction but Im not able to have the transaction canceled since the seller already received the funds. I am being lied to by the seller and Id like my {$200.00} back please. 

This all happened on XX/XX/year>
Consumer complaint received 2021-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (AZ)

Midland Credit Management contacted us about monies supposedly owed to other creditors. We indicated, at the time of the initial call, that some of the monies were indeed owed, but not all. Midland failed to provide proof of what they were attempting to collect. We offered a settlement offer, based on what we felt we owed, to clear it up, but they refused to be reasonable. Not only did they refuse our attempts to settle, but they continued calling us even after we told them to stop. Calls came in before XXXX our local time, and after XXXX. They just wouldn't stop. We've even took several of their illegal phone calls just to try and settle the account. They wouldn't budge, and just continue to call. This is harassment. They've now filed a lawsuit, and continue to call, even though we've told them to stop.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EOS Holdings, Inc. (PA)

EOS CCA-a collection agency, put an old debt on my credit report as opened XX/XX/XXXX. The original creditor was XXXX fios-which first appeared on my credit report XX/XX/XXXX. It appears Eos is trying to make the 7 year clock start ticking from XX/XX/XXXX. I have disputed XXXX regarding the amount when XXXX put it on and now I have to dispute the length. I have read up on this company. Shamefully there are numerous complaints about them reviving old debts some as far as 10 years. I have not validated this debt with this company or agreed that I owed and would pay. I want them to take this off my credit reports and be held accountable for breaking the law. 
EOS CCA XXXX XXXX XXXX XXXX, MA XXXX