davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (CA)

This morning on XXXX I contacted by phone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX to pay for a credit card debit of {$1000.00} that was sent to them for collections that stated XXXX XXXX XXXX current creditor original creditor XXXX XXXX XXXX that was owed on my credit card XXXX XXXX that was delinquent on XXXX the last payment charge-off date was XXXX and my last bill for collections was sent to me on XXXX I called them this morning and they that they had now sent it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX the phone number that XXXX XXXX XXXX  XXXX gave me to contact XXXX XXXX XXXX was XXXX and the woman I spoke with said her name was XXXX and was not allowed by the company to give out her last name I I told her I wanted to use my XXXX  Bank Debit to pay the {$1000.00} she explained to me that they could only process the payment with my bank account number and my routing number so I gave it to her thinking to myself that this should be a red flag and I went ahead and gave it to her and she processed my payment and sent a confirmation email to me with a confirmation number with a note at the bottom stating it could take up to 3 days to process. I then called my banks fraud prevention and they told me to keep an eye on my account and that it was likely legitimate. 
NOW I Will Explain WHY I AM CONTACTING YOU. 
After my payment was processed the woman on the phone who said her name was XXXX explained to me that there was another credit card debt with a outstanding Citi Bank XXXX charge of {$24000.00} under my social security number in collections under the name of XXXX XXXX who I believe his real name is XXXX XXXX on XX/XX/XXXX and in XX/XX/XXXX the card was issued. I used to have a XXXX XXXX XXXX XXXX, Ca ( which is a very small town in XXXX California. ) and the previous person who had my po box was someone by the name of XXXX XXXX and around XXXX he tried to follow me on the social media app XXXX XXXX under the name XXXX XXXX. In XXXX while I was working for XXXX XXXX XXXX XXXX in XXXX California he also had a charge account with an outstanding bill and he wanted to put a small XXXX generator on his account but the cashier could not let him do this since his account was already overdue then the head manager XXXX XXXX authorized and let him proceed with the charge to his account this is how I think I know who this person really is I think XXXX XXXX is definitely really XXXX XXXX and while I lived in XXXX California he managed to obtain and use my social security card to get himself issued a credit card.
Consumer complaint received 2020-03-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Adjustments Inc (OH)

I paid a XXXX co-pay using my flexible spending account. {$31.00} of the {$45.00} co-pay went through. XXXX would not accept a remaining balance of {$13.00} payment as payment in full and they demanded {$45.00} instead of the remaining balance of {$13.00}, so they handed this debt over to the collections company Credit Adjustments Inc. I sent the document to Credit Adjustments Inc. of the {$31.00} payment that was already paid to XXXX. Credit Adjustments Inc. said they also would not accept the {$13.00} as payment in full. I asked to talk to a supervisor. They told me to hold on and then they hung up on me.
Consumer complaint received 2020-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SD)

I'm trying to temporary lift a credit freeze with Equifax, so I can do a refinance on my home loan. I went online on XX/XX/XXXX and couldn't remember my password. I put in a request online to reset my password and the system doesn't recognize the last four of my social security or date of birth. I tried calling into the automated phone system to have the system unfreeze my credit report and it keeps picking up background noise and dropping the call. Finally, I was able to get through the automated system to verify my information and still the system doesn't want to unfreeze my credit after pressing the option to have it lifted. Once again, I called in on XX/XX/XXXX to unfreeze my credit and was on hold for over 2 hours still not able to get a hold of a live agent to unfreeze my credit and resolve the issue with the system not recognizing the last four digits of my social security and date of birth.
Consumer complaint received 2024-03-18
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. (CT)

RE : You Violated The United States Code Law 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 instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX  and Federal Trade Commission. 
1. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

2. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

3. Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account is in violation and not reporting accurate XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Please see the attached file.
Consumer complaint received 2023-06-27
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. (GA)

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 an alleged fraud or extortion. 
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 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 2021-10-17
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

Toyota refuses to remove this account from my credit bureau. This account first was a total loss and was paid but I just let it stand because I knew that it should be removed this year. It still is appearing on my credit as a negative and it has been over 7 years old. I have reached out to the CEO of Toyota Finance in writing with a complaint and they still have yet removed it from my credit causing my score to be very low.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I know according to the FCRA i have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can they verify if the furnisher could not? What information did they use to verify the account? The law is very clear on this issue, if it is unverifiable, then it must be deleted. Please delete these accounts from my credit reports since they were not properly verified and the furnisher could not provide sufficient proof to prove their reporting. XXXX XXXX / XXXX : Account number : XXXX, Date Last Active : Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX, Date Last Active is different on each bureau : Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date of Last Payment : is not uniform on each bureau : Experian XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Also, I have placed a Freeze on my XXXX and XXXX accounts and this info might have been shared. But according to 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 2020-03-30
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (PA)

In XX/XX/2019 four large withdrawal were taken from my Keybank Health Savings Account. I have recently gone into Keybank and submitted fraud forms as well as to the local police to obtain a police report. 

XXXX {$1900.00} was withdrawn - direct withdrawal to XXXX. 
XXXX {$1900.00} was withdrawn - direct withdrawal to XXXX. 
XXXX {$4900.00} was withdrawn - direct withdrawal to XXXX XXXX. 
XXXX {$1400.00} was withdrawn - direct withdrawal to XXXX. 

Each time there were 2 small deposits followed by 1 small withdraw for the sum. Shortly after, the small money transfers a large withdraw was conducted. 

I discovered the withdrawn while doing my 2019 taxes. My 1099-SA showed Gross Normal distributions of XXXX {$10000.00}. This was much higher than I expected and I started to investigate. 

Keybank has sent a letter stating my claims to not meet their requirements for credit. I have tried to contact the number on the letter but it is always busy.
Consumer complaint received 2022-04-13
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. (NJ)

I know according to the FCRA i have a right to the following : Dispute incomplete or inaccurate information in your report. and Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. Im very unhappy at the fact that there is inaccurate information on my credit report, and the furnisher failed to submit sufficient proof to validate the inaccurate account. This is my fourth letter to your company. I know the FCRA allows me to dispute directly with the furnisher after disputing with you. You told me that you verified the account with the furnisher but they could not provide me with sufficient proof to back up their reporting. How can they verify if the furnisher could not? What information did they use to verify the account? The law is very clear on this issue, if it is unverifiable, then it must be deleted. Please delete these accounts from my credit reports since they were not properly verified and the furnisher could not provide sufficient proof to prove their reporting. XXXX XXXX / XXXX : Account number : XXXX, Date Last Active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX : Account number : XXXX, Date Last Active is different on each bureau : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX Date of Last Payment : is not uniform on each bureau : XXXX XX/XX/XXXX XXXX XX/XX/XXXX TransUnion XX/XX/XXXX Also, I have placed a Freeze on my XXXX and XXXX accounts and this info might have been shared. But according to 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 2020-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NM)

in XX/XX/2020, I paid off XXXX balance on my American Express card. They continued to charge me interest and now are increasing. I probated this in XXXX and again today. The original interest charge was XXXX, today they say it is XXXX. 
I also cancelled the card today. 
I paid XXXX today, but under protest.
Consumer complaint received 2021-10-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

Hello, My complaint is about Amazon. I'm going to start at the beginning. 
I opened the Acct. in XXXX last year. They gave me {$600.00} limit. I didn't use the acct. until XX/XX/XXXX. I bought items that totaled {$44.00} and on the same day, I tried to charge {$77.00}. but it was declined, due to over the limit? I thought I had a {$600.00} limit, only to find out from them, that my limit was changed to {$100.00} without me knowing it. So I paid the {$44.00} on XXXX XXXX and Tore Up the Card. 
Then I find out, through my credit reports, that by lowering my limit, lowered my Credit Scores tremendously! 
Now I'm receiving emails that I owe {$140.00}?? I tore up the card, how could I owe? I called them and they told me my balance was XXXX. So I thought they fixed the matter. 
They sent my account to collections. I found out through my credit scores. I lost 60 points because of that! It took a long time to recover from their lowering my limit. This will take me forever! Besides, ruining my credit. 
Thank you, XXXX
Consumer complaint received 2021-01-15
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Hi I apologize this complaint may not be categorized correctly as I didnt see any more related prompts. 

I checked my credit score and it dropped 73 points, from XXXX to XXXX. I triple checked to make sure I made now late payments, or messed up anything and confirmed I did not. In fact, I got a notification that I paid down my credit card debt which historically has actually increased my score due to a better credit card utilization rate. This seems very odd that such a drop could occur, putting me the 2nd to lowest tier when I was in the 2nd to highest tier previously. Please advise and let me know what or who I should chat with about this. My credit is very important to me especially now when were looking to buy a home.
Consumer complaint received 2020-03-30
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. (AZ)

XXXX/XXXX  is reporting incorrectly to Equifax ; XXXX   and XXXX  a balance due of {$800.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I have contacted XXXX and filed a report that this account has been opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times since to reach XXXX to remove this account from my name however, I have not been successful. This false reporting of an account with a balance due, that does not belong to me, is seriously harming my credit score. I have also contacted the bureaus to remove this line item however, I have not successful in this endeavor either.
Consumer complaint received 2021-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (ND)

XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Trying to collect {$650.00} that is not valid. Provided information on XX/XX/2020 via email that the XXXX XXXX was returned and a refund was issued but never applied to clear balance. XXXX or XXXX made a report to credit bureaus which has had a negative effect on my credit. This was from a XXXX account which was issued by and owned by Comenity Capital Bank.
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CT)

In XXXX our mortgage was sold to Mr. Cooper mortgage company. Due to the coronavirus my husband and I have both been laid off. We phoned Mr. Cooper mortgage company and asked if they had any programs without penalty to help us. The only thing they could do was offer us a forbearance for 3 to 6 months after which all of the payments that were put off would be due at once. That would be impossible for us. They said that if we could not pay the money back we all at once we could do a mortgage modification. So in other words it seems to me that Mr. Cooper would charge us more interest and other fees and ultimately be making money off of people who are just trying to get back on their feet after this horrible horrible situation. Other banks are offering their customers forgiveness for several months or I should say 3 to 6 months mortgage payments and just extending their mortgage by 3 to 6 months on the back end. It seems to me that Mr. Cooper is looking out for themselves and not the well-being of their customers and their financial soundness so they can pick up where they left off once we get the healthcare crisis under control. XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX  are all helping their customers in this fashion. Mr. Cooper mortgage company should be absolutely ashamed of themselves for the way they are treating their customers and I hope that the government penalizes them with no mercy. And by the way and I know this sounds totally unprofessional but what kind of a XXXX  name is Mr. Cooper for a mortgage company?
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-03-30
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)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify it it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2021-10-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (IL)

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX has committed countless acts of fraud toward discover including but not limited to synthetic Id theft by creating synthetic identitys XXXX XXXX who does not exist and having that synthetic ID piggy back off of her to build a score and defraud lenders. She also has done countless chargebacks including hotel stays and airline tickets. I believe discover is complicit as I have been reporting these incidents for some time now to no avail. I will attach her fake drivers license with her face and the fictitious name she created then added it to her discover card as an authorized user. I will also attach the fake profiles XXXX  XXXX  info.
Consumer complaint received 2020-03-30
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: EQUIFAX, INC. (MS)

Equifax ; XXXX and XXXX  are reporting incorrectly a collection/chargeoff in amount of {$7100.00} as well as reporting a past due balance of {$1600.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account needs to report a {$0.00} balance and {$0.00} past due and be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-03-30
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XX/XX/XXXX and XX/XX/2019 two hard inquiries were placed by Capital One Auto Finance ( Coaf Finance ), I hard bought a car from XXXX and the company mentioned to me that I will only have one inquiry from my auto loan bank not two. But capital has two hard inquiry for one car that i bought through them. As a XXXX  XXXX  of XXXX  I am just getting started into the business  world and with bad hard inquiries that cant be resolved on my credit report it will be very difficult for me to be able to fix my score and get a chance to someday start my own business.