davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My credit score was dropped almost XXXX points from XXXX to XXXX because I paid off and closed credit cards. Both Transunion and XXXX  both dropped my score from XXXX to XXXX. This is not right that now I have to pay higher interests rates because of a low score. I still have a XXXX student loan that I have been paying on time and extra towards and that is not being considered valid in my score rating. Who do I complain about this to? It is not OK to put a person at a low score for being fiscally responsible.
Consumer complaint received 2020-10-04
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: BARCLAYS BANK DELAWARE ()

In Mid-XXXX, I contacted the IRS about where my stimulus check was. They informed me that someone in XXXX  has been submitting taxes on behalf of my XXXX since 2015 when I graduated university. I file paper tax returns as I live aboard and it's easier for me that way, but this person has been doing it electronically. I have since filed the appropriate documents to correct this with the IRS. I checked my XXXX XXXX to find loans and etc that do not belong to me/I have never applied for. Additionally, the name is not my name on my credit score. I do not have XXXX in my first name nor do I have a middle name. In addition, I have never lived in XXXX  like this person does. I don't even believe I have been to XXXX  other than when I was 4 as we were going to XXXX on a family trip. In addition, since 2015, I have lived in XXXX after graduating university in XXXX. I want this person eradicated from my credit score.
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

809. Validation of debts, USAA violated 809. Validation of debts by failing to provide a notice of debt in a timely manner prior to the closing of the card. By self admission, USAA failed to notify this complainant within the required five days after the initial communication with a consumer in connection with the collection of the debt. The debt collector has the obligation to send the consumer a written notice containing the amount of the debt ; a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such. 

This claim is substantiated by USAA in CFPB complaint # XXXX by USAA with their following statement : " On XX/XX/XXXX, the credit card was re-opened as an exception. On XX/XX/XXXX, the MasterCard charged off with a balance of {$2700.00}. XXXX XXXX, thank you for speaking with XXXX XXXX, of our staff, who advised you that USAA accurately accepted the notarized POA form on XX/XX/XXXX. Furthermore, it was accurately revoked on XX/XX/XXXX. '' USAA failed to provide the appropriate timeline required to inform this cardholder with the account debt nor provided any time for this cardholder adequate notification of any opportunity to remedy the debt, by the omission of the process USAA is required to communicate with any cardholder.
Consumer complaint received 2020-08-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

XXXX bank has always stole money. Now charging overdrawn charges every week. They should be fined. If they would credit fraud charges XXXX pocketed I would not be overdrawn. 
Stop charges fees. Credit for fraud.
Consumer complaint received 2020-10-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Fort Walton Beach, Inc (FL)

Good morning, I am a veteran and all my medical expenses are paid by the XXXX. A couple months ago, I noticed on XXXX XXXX there was a bill reported for not paying for XXXX dollars. When I called them I told them the XXXX was responsible for. Bills and they informed me that it was too late and that I had to pay this Bill. I paid it off on XX/XX/2020. But it still showing on my record. I contacted the collection agency and they told me that they already removed it/ reported it and they can not do more than that. 
Who should I contact to get this removed, I have the receipt stating that I paid it off
Consumer complaint received 2020-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

This account was open XX/XX/2015 and reported as an unpaid medical {$130.00} I have no contact information I would like to know what services I had to accrue this amount of {$130.00}
Consumer complaint received 2020-10-04
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. ()

In Mid-XXXX XXXX, I contacted the IRS about where my stimulus check was. They informed me that someone in XXXX  has been submitting taxes on behalf of my SSN since XXXX when I graduated university. I file paper tax returns as I live aboard and it's easier for me that way, but this person has been doing it electronically. I have since filed the appropriate documents to correct this with the IRS. I checked my credit score to find loans and etc that do not belong to me/I have never applied for. Additionally, the name is not my name on my credit score. I do not have XXXX in my first name nor do I have a middle name. In addition, I have never lived in Michigan like this person does. I don't even believe I have been to XXXX  other than when I was 4 as we were going to XXXX on a family trip. In addition, since XXXX, I have lived in XXXX after graduating university in XXXX. I want this person eradicated from my credit score.
Consumer complaint received 2020-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC (SC)

I have been disputing this supposed debt for years not to mention that it is a debt that was from identity theft. Also they say the account was opened on XXXX the XXXX 2019 which is clearly a lie because i was in the hospital after having complications for a XXXX which led me to go back to the hospital XX/XX/XXXX so i dont know how i could have possibly commited this fraud!! This company want listen but they will call and harrass you about a debt that is not even your even when you try to explain the beome XXXX and wont listen but will call you XXXX plus times a day to collect money that you do NOT i repeat DO Not OWE THEM!! WHY NOT LEASE XXXX/TEMPO  IS THIS COMPANYIES NAME TWO NAMES MEANS SOMETHIG IS VERY SHADY!!!
Consumer complaint received 2020-09-26
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. (CA)

I Have sent multiple rounds of disputes to the creditor XXXX  XXXX and also to the 3 bureaus Equifax, XXXX, and XXXX  with little resolution about my identity theft situation. 

The bureaus keep sending me letters saying they are showing XXXX XXXX account as accurate and arent removing the fraudulent inquiries
Consumer complaint received 2020-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MI)

My XXXX credit card, that I had for about 14 years, was converted to a Citi credit card. 

I informed Citi that I wanted to set-up an auto pay arrangement the way it was with XXXX. Citi failed in its duty to set-up auto pay. Rather than having the bill paid when due, no bill was being paid. 

Emails received gave the impression the bill had been paid as before, but the bill was not paid. 

I think Citi is responsible for my outstanding bill, the late fees and the interest charges. 

I filed a previous complaint with the CFPB, but Citi has refused to work with me in good faith and has even damaged my once sterling credit bureau history. 

I need further help from CFPB. 


XXXX XXXX
Consumer complaint received 2020-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (PA)

Opened checking account with TD Bank in XX/XX/2020. There was a cash bonus offer in the amount of XXXX. I needed to get a direct deposit of XXXX into the account. The first qualifying direct deposit in the amount of XXXX went in on XX/XX/2020 within a few weeks from the account opening. The offer I listed below. I contacted td four separate times to inquire. Two separate reps stated that I should receive the bonus soon or sometime around 180 days from account opening. I received an email response on XX/XX/2020 stating bonuses are paid 140 days from account opening ; however, it was a generic email. I called today and the rep, XXXX, stated that I was not eligible for the bonus. I explained the scenario and she said she didn't see any notes from the previous reps and that their bonus offers expired in XXXX. 

Perhaps one of their standard bonus offers expired but I submitted mine through an online affiliate site which routes you td 's site and provides all of the bonus information. 

XXXX XXXX XXXX XXXX   XXXX TD " Affiliate '' Checking account offer from " TD Convenience CheckingSM New customers can earn {$150.00} Get direct deposits of {$500.00} or more within 60 days of opening your account to earn {$150.00} Everyday banking perks with low minimum daily balance requirement Monthly maintenance fee waived when you maintain a {$100.00} minimum daily balance. 
If you're ages XXXX XXXX, no monthly maintenance fee and no minimum daily balance requirement.4 View account guide '' https : //www.td.com/us/en/personal-banking/checking-XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-09-29
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 mailed a letter to Transunion Consumer Solutions dated XX/XX/2020. The dispute letter outlined the myriad of fraud that was uncovered on my credit report. As outlined, there was a total of two accounts and one inquiry that were deemed fraud, but the request to block the information was denied by Transunion. The reason they state the request was denied was in accordance with Section 605B of the FCRA. I enclosed a copy a police report and statement outlining the fraud for their review, and they still denied it.
Consumer complaint received 2019-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

I had XXXX XXXX XXXX internet services at my home office in XXXX. I had no service for a couple of days due to their maintenance issues. This happened twice and I called to get a credit on my bill which they refused. I disconnected my services and returned their equipment. 

XXXX XXXX XXXX forwarded the account to a debt collector and it was subsequently reported to the credit bureaus. I have disputed it multiple times but it keeps cycling between multiple debt collectors and pops back up on my credit reports. 

At this time, two debt collectors are reporting the same XXXX XXXX XXXX account on my credit reports which is negatively affecting my credit. 

XXXX XXXX XXXX should never have billed me for the last month of service since they did not provide the services. Or they should have given me a prorated bill to account for the interruption in service for 4 days. 

If a debt/account on a credit report is disputed and explained once or more, it should not be assigned to one company after another. In my case 2 debt collectors are showing the same account. The companies are : XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2020-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (FL)

I received a notifications from XXXX  XXXX also XXXX  that I have a collection notice from National Credit Adjust ( NCA ). This company hasn't notified me of this debt before flagging my credit report I have no knowledge of this debt and who is the original debt collector. Have reported this inquiry as fraud. the amount of the debt reported is {$420.00} that this company haven't contacted me for me to dispute this account I have no knowledge of this debt.
Consumer complaint received 2024-01-17
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. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-09-26
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 Have sent multiple rounds of disputes to the creditor XXXX  XXXX and also to the 3 bureaus XXXX, XXXX, and Transunion with little resolution about my identity theft situation. 

The bureaus keep sending me letters saying they are showing XXXX  XXXX account as accurate and arent removing the fraudulent inquiries
Consumer complaint received 2020-09-26
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: AMERICAN HONDA FINANCE CORP (NY)

On Thursday, XX/XX/20, I applied for preapproval ( # XXXX ) for a car loan from Honda Financial. On Friday, XX/XX/20 I received approval at which time I went to XXXX XXXX Honda and expressed an interest in purchasing a vehicle. I was asked if I was interested in financing, at which time I advised that I had preapproval and showed the salesperson ( XXXX XXXX ) the details on my phone. She advised that they could not find the details and asked for my name, address and social to help them find the record. I expressed concern as I did not understand why this info was needed when I had the preapproval and stated several times that I did not want my report run as I was aware it would have a negative effect on my credit report. I was assured numerous times that there would be no hard inquiries as I already had the approval. I also stated that I needed a clear understanding of what the interest rate would be before finalizing the transaction. The finance manager for the dealer was busy and I was asked to return at noon on Saturday, XX/XX/20. On Saturday morning I found that I had lost my wallet, at which time I called XXXX Honda that I would not be coming to the appointment. To my surprise I received a notice of a hard inquiry by Honda Financial on XX/XX/20 which resulted in 7 point degrade in my FICO. A result of an unauthorized inquiry.
Consumer complaint received 2023-02-24
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: Experian Information Solutions Inc. (NC)

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. 

Accounts, DPT EDXXXX : # XXXX, DPT EDXXXX, XXXX XXXX, DPT EDXXXX, XXXX XXXX XXXX DPT EDXXXX, XXXX, DPT EDXXXXXXXX XXXX XXXXXXXX, DPT EDXXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all 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 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 2020-10-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (ME)

I received an unsolicited Debit card in the mail this week from Chime bank ( XXXX XXXX XXXX ). The card was ready to use with name, number, chip etc. so goes beyond typical " mock '' cards used in advertising. Only instructions were to download the app to activate the card. 
If this is an advertising effort I am highly concerned with their approach and with no additional details about the account I believe this marketing is counter to appropriate banking/lending marketing laws. 
I am highly concerned as I am unsure if this is marketing or identity theft and an account was opened in my name.
Consumer complaint received 2020-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc (MO)

MCA management company has placed a collections/chargeoff account in the amount of {$800.00} for an original lender of XXXX  XXXX. I am not aware of this, and there the account type is NOT REPORTED nor is an amount past due, nor is a credit limit, I am confused why MCA management company did not attempt to contact me in writing so that I could request a VOD, Why would they just place a negative mark on my credit reports? Is this even mine, did I apply for credit with someone? What were the payment arrangements? I did not agree to anything with MCA management company, I have never heard of them. send VOD, with all additional documentation that you can provide me with
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or 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 2020-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (NY)

Choice recovery has added a collections in the amount of {$120.00} saying i owe that money. i do not owe this company anything nor do i even know who they are. they are trying to collect a debt not mine. it is damaging my credit score for absolutely no reason and I'm in the process of getting a home and a mortgage and this is hurting my chances substantially. this is rediculous.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-10-04
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. (FL)

I have disputed these accounts several times over the years but they continue to violate FCRA guidelines : - XXXX - XXXX XXXX - Incorrect Utilization Reported