davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-25
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

DEPTEDXXXX XXXXXXXX {$9300.00} DEPTEDXXXX XXXXXXXX {$3600.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$430.00} DEPTEDXXXX   XXXX {$9500.00} US DEPT ED XXXX {$6000.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$10000.00}
Consumer complaint received 2020-04-04
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)

I made purchase, an item from XXXX furniture down payment of {$1500.00}. XXXX cents by CITI Bank Card, and by the time the merchant told me, that, right now, we don't have in stack, you must wait, to received, at list, after 9 ( Nine ) Weeks, or more, I said ok! 
However, after, a few days, All of the sudden, I lost my Job, I had a mass disaster, affected my XXXX  wife and my XXXX ( XXXX ) little children, I have to canceled my recently, XXXX  furniture. Item by CITI Bank Card, and I call to XXXX, and I explain what happen, they said we are sorry about your job loss, we will help you right now the manager, is not around, we will conform you tomorrow. I said thank you but, Nobody call me back! 
for the second time, I call again to the merchant, still the same words told me by phone and then, I were suspicious, I decided, to talk to the merchant face to face. 
the 3rd, day I went to the store again, explain, what happen, I am so sorry, this is my Laid off paper proof after, long time employment, I have children, and my wife is XXXX  months XXXX  and I didn't even received, the furniture, even, not ready for shipping so far please help me,? I ask politely! then, one of store supervisor said to me " how about employees commission? " well I am sorry I have most, urgent, financial needs, first, Like, Bread, milk, rent. 
the merchant, said, we have to email to the store manager, her name is XXXX, her phone # XXXX we have to wait her decision! she didn't answer stay longer her response! I was frustrated about XXXX  customer service. 
I call my Credit Card Campany, CITI Bank I describe, the steps, that I have taken, to resolve the matter, with merchant. Based on my document I fax to my card issuer, all papers that I have, they accept my dispute and promised to me they will help me. 
finally, they told me unable to help you because, the merchant change the game and need you to pay {$890.00} Dollars, coast of product!!! 
Where is my credit card Protections? Please see my case, as based on a principle of fairness. Now a days, Being out off work for an known period of time is one of the leading reason and I need help >!!!
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX  XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (FL)

I have a car fro GM Financial and everything was going fine i was making on-time payments every month via ACH transfers this past XXXX the credit bureaus are reporting a late payment on the account i was very confused so i called the company to see what was going on and they told me that the payment was canceled for this month and they sent me a letter to make another payment right away now i never received any letter because they sent it to the wrong address i have a copy of the letter and on the letter it shows the wrong address if i would have received the letter to the correct address i would have been aware of the cancelation of the payment and i would have maid the payment right away. this is not fair its affecting my life the fact that its reporting late
Consumer complaint received 2023-06-07
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX  XXXX. Please correct and update.
Consumer complaint received 2020-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Messerli & Kramer P.A. (SD)

To whom it may concern, I received a wage garnishment from messerli.kramer in XXXX, MN. Not only is the wage garnishment a fake, but they falsified a court order number and file number, but they also faked a notary signature.

I researched everything they gave me and the entire statement is a fake and an attempt to collect on a debt that is non existent and/or was discharged in bankruptcy. If it was owed at all because i never had a XXXX Credit card and all my XXXXy credit cards, formerly XXXX XXXX, are paid and up to date and active. 

But i find their tactics and practices violate the law, under FDCPA, as they are sending falsified court documents with a fake notary, which is also a crime for faking a notary signature. But i researched the court files in XXXX county Minnesota and there is no csse against me as they claim and the notary is not registered in the state of Minnesota. So their document is a complete fake!!!! They should be punished under the law for falsifying fake court documents. I am going to sue them in small claims because the sheriff serving me at home in front of my children was traumatic for them all for faked documents!!!! 

These people or " lawyers '' need to be stopped from hurting others with their fake documents and lies.
Consumer complaint received 2021-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

In XX/XX/2020, my debit card was stolen and I reported to Bank of America immediately after. I was informed by Bank of America that I had given the pin number to my debit card to someone, but this is false. I have never given my pin number to a friend, family member, stranger, etc. I asked to speak to the supervisor and to the general manager of the Bank of America branch where I conduct my banking and these requests were refused. Due to the theft I experienced, approximately {$12000.00} was stolen from my checking account. Bank of America refuses to reimburse me for the {$12000.00} that was stolen. I called the police as instructed by Bank of America and I provided the NCC number and these efforts were not successful as well. 

Due to the deplorable actions of Bank of America, I fell behind in my rent and was no longer able to afford my car. 

All supporting documents will be provided as requested. Many thanks for your assistance!
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have contacted all 3 bureaus and informed them all that 1. XXXX XXXX is a charge off.account and according to FCRA 15 US Code 1691eb that I have not received a XXXX for it also they have written it off on their taxes. So it is illegal to remain on my credit report. It must be removed immediately. 
2 XXXX XXXX has claimed over and over that it is mine. They have shown no proof at all. They just keep stating its mine along with stating its closed but it's still appearing open and if it is closed it is considered charged off and has not been given proper information to show it is charged off anything. 
3. XXXX was proven to not be mine and removed from my credit report. Then they claimed it was mine so they reinserted it without proof that it is mine. Along with it's a charge off account and FCRA 15 us Code 1681eb I didn't receive a 1099 and I know they were able to write off on taxes. 


These illegal practices need to be handled ASAP or I'll gladly take this way beyond small claims I'll take this federal because this is illegal and messing up my livelihood. So these items need to be removed immediately!
Consumer complaint received 2023-06-07
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. (AR)

These two accounts do not belong to me. I have never did any business with neither of these companies.

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name and number : XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners (VA)

I received a letter from XXXX XXXX XXXX stating that I owed them money for a bill and they gave me a choice of making payment arrangements. I checked my credit report annually and pay all of my bills, so I knew that I didn't owe anyone. I found the receipt of the bill that they claimed I owed in which was paid almost 4 years ago. I called and told the representative that I had already paid the bill and I had the receipt and wanted to know how did they get my information. We spoke for several minutes and she said that she would put in a depute for me. Called collection agency that I paid and they no longer handled account, she told me to give them the information on receipt. I called back to give them information on my receipt and they said that they could not take it. A couple of weeks later, I receive another letter stating that I have a balance and they had my personal information on it. So, I called them back again and the representative refused to speak with me because I would not give her my personal information in which I didn't have to before and she was very rude. I called back again and someone hung the phone up without even saying anything.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL (GA)

I have called Synchrony Bank/ Care Credit repeatedly 3 days in a row while I hold on the line for 3 hours and no success. I get online where they direct us to for live chat which responds to " online chat not available. Please try again later '' They claim they have heavy amount of calls as recorded while holding for hours. I do not believe they answer calls or concerned with customers. In the midst of this national pandemic coronavirus that is causing financial hardships, they are not helping customers.. We as citizens are reaching out for help to no avail to this bank.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 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 2020-04-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (TX)

My complaint is regards to Medical- XXXX XXXX XXXX reporting inaccurate information on my consumer credit report with XXXX  . As of XX/XX/XXXX, this account with Medical- XXXX XXXX XXXX shows an open account I did not open. I have disputed this account multiple times, and I ask XXXX XXXX to validate this debt. As of XX/XX/XXXX, XXXX XXXX has not validated this debt. XX/XX/XXXX, I reached out to XXXX XXXX, I spoke with XXXX the representative at XXXX XXXX, XXXX confirms there is no balance in their system shows for me. XXXX than transfer me to a XXXX and he confirms there is no balance shows delinquency in their system for me. Also, reached out to Tek Collect Agency, I spoke with XXXX the representative ; I asked XXXX to validate this debt of {$290.00} that shows on my consumer credit report because I do not recognize this debt. XXXX ask me to follow up with her within two weeks, she needs to reach out to XXXX XXXX to get documentation for this debt. XXXX confirms she did not have any documentation in their system to validate this debt. XX/XX/XXXX, I called back to Tek Collect Agency and I spoke with XXXX XXXX she asks me to call back around XX/XX/XXXX here system has no documentation to validate.
Consumer complaint received 2020-03-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (MI)

US Bank 's XX/XX/XXXX letter supplied to the CFPB contained lies and US Bank should be held accountable for lying to me and your agency. I have definitive proof. US Bank claims the {$25.00} they claim is owed is for a late payment for XX/XX/2019 is a lie. Attached is my letter to US Bank of XX/XX/XXXX. Attached as well is a copies of my checking XXXX account statement that definitively proves that I paid US Bank {$310.00} in early XXXX for the payment that was due in XXXX. This {$310.00} represents the normal monthly payment of {$290.00} plus the {$25.00} late fee owed for XXXX 's late payment. Also attached is a second page of my XXXX checking stmt showing that XXXX 's payment was also posted later in the month. Attached is my letter and the overwhelming documentation proving, without question, that I don't owe US Bank {$25.00} for XXXX 's late payment ( because the late fee was promptly paid ). The original complaint was XXXX. CFPB should have NEVER closed the matter, because US Bank lied. CFPB shouldn't just close a file because a vendor responds, if you are going to really defend consumers, we need a chance to refute errant replies like the one US Bank sent in this case.
Consumer complaint received 2020-03-25
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. (GA)

Submitted a complaint ID XXXX and received a response from Equifax that the item is not reporting, which it is. Also they have failed to respond to previous disputes within the 30 days time allowed by law. See attached docs
Consumer complaint received 2020-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Recovery Solutions, LLC (VA)

I received a letter from Dynamic Recovery Solutions stating that I owed them money for a bill and they gave me a choice of making payment arrangements. I checked my credit report annually and pay all of my bills, so I knew that I didn't owe anyone. I found the receipt of the bill that they claimed I owed in which was paid almost 4 years ago. I called and told the representative that I had already paid the bill and I had the receipt and wanted to know how did they get my information. We spoke for several minutes and she said that she would put in a depute for me. Called collection agency that I paid and they no longer handled account, she told me to give them the information on receipt. I called back to give them information on my receipt and they said that they could not take it. A couple of weeks later, I receive another letter stating that I have a balance and they had my personal information on it. So, I called them back again and the representative refused to speak with me because I would not give her my personal information in which I didn't have to before and she was very rude. I called back again and someone hung the phone up without even saying anything.
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CITIBANK, N.A. (NY)

I purchased {$100.00} from XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX then between XX/XX/XXXX and XX/XX/XXXX I was charged six more times only the one charge was authorized I tried emailing and calling the merchant and then I filed a dispute with Citi card Citibank was looking into it I called them again on XX/XX/XXXX and then on XX/XX/XXXX on XX/XX/XXXX they told me they found my dispute in favor of the merchant I did not make the other six charges I sent the receipt for the one charge along with the signed letter and they are saying there's nothing I can do
Consumer complaint received 2020-04-04
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. (CA)

I am currently applying with my bank, XXXX  XXXX XXXX, to refinance a property in XXXX XXXX. My representative total me what my credit scores are and I was suprised because they greatly differ from the scores provided to me by XXXX. XXXX  said that my score was XXXX before the lender pulled the score and after the lender pulled the score. I also asked a second lender who performed a soft pull (? ). Both of these lenders received a score of XXXX for XXXX. Even Equifax ( XXXX to the Banks and XXXX to me ) and XXXX XXXX ( XXXX to the banks and XXXX to me ) scores were different than the score given to me. Both banks received the same score - XXXX. 

Note, I paid XXXX  to see what your lenders see. Yet, the scores given to me were remarkably different that the scores given to the two banks. I dont know how this is not fraudulent. 

This has resulted in a higher interest rate of a {>= $1,000,000} loan, very frustrating. They tell you that you can " see you credit score, '' however, this is meaningless if the credit score they show you is different than the credit score that they supply to others. I am sure there are people who have paid these credit reporting agencies to access their files and to raise there scores ( At least that is what they advertise to borrowers. ), yet the information provided is not accurate and is horrifically misleading. I am sure that many borrowers are mystified when they are denied loans. All the while, these credit reporting agencies are raking the money in from millions of people with false hopes of being able to see what the lenders see. 

I have tried to reach XXXX, but their numbers are automated, recorded responses. There is no option that provides a human on the phone and no choice for a disparity between the credit report given to the lender and yourself.I have written a letter, and have not received a response. I asked my Bank to inquire why there is a difference and the bank said that it is always different. How is this OK?