davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2021-10-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hey whats going on with your investigation? i hope my case is now being worked on, its been over three months since I sent you a letter but I have not seen no changes on the negative items to this date. I am waiting for them to be deleted before I can open a loan which is badly needed for my family so I'm hopin it will be removed soon because those are clearly errors on your part. I will keep on making follow up until you provided me with the response
Consumer complaint received 2021-10-23
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. (TN)

Experian is reporting NOTHING but INACCURATE accounts on my credit report .... Are they allowed to report anything and defame me?? The account in question is misleading and falsely reporting and it's a violation of the FCRA. The account us going in and out of collections, It's reporting sometimes that the account was paid on time.. I never paid on this alleged account. If I did I need PROOF they are putting this account in and out of collections and saying its paid to stay in the statue of limitations. They are in VIOLATION. Remove this account IMMEDIATELY. Not only that but they sent me a letter dated in XXXX that I allegedly owed XXXX but on my Experian report it's saying that I allegedly owed {$1300.00}. REMOVE THIS ACCOUNT THIS IS INSANITY.
Consumer complaint received 2021-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (SC)

I have tried to resolve this issue with the company. This company has responded to complaints with further allegations and continue to damage my credit identity by reporting a fraudulent account. 

According to the Fair Credit Report Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract all accounts you post on a credit report. 

I have yet to seeVerifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts. 

This company has stolen my personal information, which is identity theft and I demand resolution.
Consumer complaint received 2021-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (MO)

My Last encounter with XXXX was in XXXX then my cell phone was not in contract but had expired I was ( XXXX XXXX XXXX DBA XXXX XXXX ) and was month to month. I have signed contract with XXXX since XXXX of 2020. Recently, XXXX of 2020 XXXX started to charge {$230.00} Dollars to my checking account I disputed those claims. They or now alleging I owe tthem {$230.00} which is false.
Consumer complaint received 2018-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

Dear Sir, Citizens Bank did not answer my previous Grievance related to XXXX Check Deposit and Check Clearance Records are missing in my bank records and statements. I have deposited XXXX check to my check-in account on XX/XX/2018 with check image option. My address is same since the day I opened the check-in account with Citizens Bank. Could you kindly direct citizen bank to update XXXX check number and scanned copy of the check, which are missing in the citizens bank statement and online transactions. Tampering and manipulating the check details comes under forgery, also its unlawful and illegal for missing the XXXX check number and scanned copy of the check in the account statements/check clearance records.
Consumer complaint received 2021-10-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 123 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-10-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (AZ)

I had a credit card with Barclay 's. It was closed around XX/XX/XXXX, Mastercard ending XXXX. On or around XX/XX/XXXX XXXX XXXX issued a refund for a cancelled flight in the amount of $ {$1000.00}. According to XXXX a check went to the credit card that was used for the trip. ( XXXX ). Finally after five hours on the phone I spoke with the Security Dept of Barclay 's. According to the man I spoke to the case # XXXX has to be investigated because the account was closed because of fraud. Let me explain. 
A magazine, XXXX XXXX, submitted a bill to The credit card in amount of {$15.00}. I filed a protest and the account was closed by me. I have all the letters from Barclays telling me that I was not responsible for the charge. Now Barclay 's refuse to send me the amount refunded by XXXX. They deducted the above {$15.00}. I am XXXX years old and not in the best health. This is causing a lot of stress. I can't fight a big company without your help. f you need I have all the information. Please help me. I don't know how to send documents via the internet only by mail. XXXX XXXX
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX decided to close my account and when I had regularly posted payments on time for years. I feel I have been discriminated against and that its against the law of 15USC ss1666.

I told them I lost my job in 2020 and got set on a payment plan well when Ive started working again they just closed the account and they refuse to reopen it. This is negatively impacting my credit score.
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I purchased furniture on XX/XX/2020, paid down the debt to {$500.00}. I was charged XXXX in interest for not paying the account In full by x amount of time.
Consumer complaint received 2021-10-24
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: SYNCHRONY FINANCIAL (ME)

I made an order on XXXX XX/XX/, order # XXXX, which was charged to my XXXX XXXX credit card for {$59.00}. The item wasn't received, so I worked with the merchant and they were unable to do anything due to it showing as delivered by XXXX. They informed me to contact my credit card issuer, so I did. XXXX XXXX sent me the dispute paperwork and I uploaded it on XX/XX/. I had called in in XX/XX/XXXX  to check on the status and was told they were backed up with many disputes, so I waited. I messaged in through my online banking with XXXX on XX/XX/XXXX  explaining the dispute, timeline, etc. and received a response from XXXX XXXX to call the customer care team. I reached out to them the same day, XXXX, and was told the dispute was still being worked on and I'd have an answer/update within the next 30 days. 

I'm now past the 90 day mark for them to have resolved the dispute. I just got off the phone with XXXX and was told they are unable to help me and to call back in Monday morning at XXXX to see if they're able to assist. I feel like I'm getting the run around and really just would like credit for the item that wasn't received. At this point, it's not so much about the money but just the fact that I've been told several times that it is being worked on and I haven't had any follow up from XXXX other than when I have inquired.
Consumer complaint received 2021-10-23
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I am a XXXX XXXX with over 10 years service to my country. I became homeless in XXXX  for over 4 years. As such I lost most of my documents. I have recently become settled and in the last year I have been trying to resolve these fraudulent account issues with the following debt collection agencies. These accounts I did not open and their presence on my Credit Report has made it almost impossible to take care of my children and my family during this Pandemic. I also reported it to the Police and they advised me that I should make a report to CFPB. The below mentioned companies have not been able to provide me with either my Social Security number or my signature as proof that I have opened these accounts. Neither will I provide it to them as I no longer believe that it is safe to do so. 

Portfolio Recovery Associates, LLC : XXXX XXXX XXXX Portfolio Recovery Associates, LLC : XXXX XXXX XXXX  Portfolio Recovery Associates, LLC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-10-23
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-10-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (TN)

Marcus by Goldman Sachs is the holder of a savings account for XXXX XXXX XXXX. This account was set up to Transfer of Death. XXXX died XX/XX/21. I notified Goldman Sachs. They closed, or locked the account where i could not access balance or account number info. I am the Executor of XXXX XXXX XXXX. Because it was XXXX, no estate documents should have been required, but they insisted that these be provided. I filed a Small Estate Affidavit in Probate Court, XXXX County Tennessee. I obtained several certified copies, and sent one to GS. They returned it and said they can not accept one without a " raised seal ''.. I contacted my attorney, who contacted our court clerk. He stated they do not do a " raised seal ; '' Instead each certified copy is stamped and hand signed by the deputy clerk Because they will not accept what the court provided, and the court can not provide me anything else, I am unable to move the funds to the Estate of XXXX XXXX, and therefore can not close the estate.
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (TX)

I disputed the debt with all   XXXX   credit bureaus. They keep verifying the debt. I requested from the credit bureaus copies of the documentation that shows the information has been verified. The credit bureaus told me to contact the creditor because they do n't receive documentation all they receive is an electronic file.   I contacted the creditors and received a letter stating that they dont have any documentation and that they need to contact the original creditor. I have not heard from the collection agency or the original creditor to whom i allegedly owe the debt. My question is how is it that they can report information but don ; t have any documentation to provide as proof of the debt?
Consumer complaint received 2021-10-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I am a service connected XXXX veteran at XXXX XXXX. I have a VA loan at 2.6 % I asked XXXX XXXX  XXXX for a cash out Refi and then refused the deal because it was a bad deal. I applied for co-vid forbearance prior to this and it was paid in full but asked for an extension and it was granted until XX/XX/2022 by the mortgage servicer PHH. Since asking for the extension they transfered my loan to another service provider and then are demanding payment in full and tacking the next months payment into the last statement a week before it is even due as well as 2 phone calls asking where is all the money. I have the forbearance letter from PHH and and I had a plan to catch up the payments within that time frame given although it is supposed to be longer. This company is running a scam! I have contacted the VA and also going to file with the state and US attorney General!!
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — Store credit 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/2021, I made a purchase on BestBuy.com it was for a XXXX XXXX  and it came with a free bundle that included free XXXX XXXX  for 6 months, XXXX XXXX free for 6 months, and XXXX XXXX XXXX with XXXX ( 3 Devices ) ( 3-Month Subscription ) [ Digital ]. It then offered me to apply for a credit card to which I did apply and I was approved. On XX/XX/2021, I decided that I did not want the item that I purchased which included the bundle so I returned them to a Best Buy Store located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. On Monday, XX/XX/2021, after taking the items in for a refund I received a notification from USPS that my credit card was on the way through XXXX XXXX. On Wednesday, XX/XX/2021, I called Citi letting them know that I did not receive the credit card that was sent to me and requested a replacement. I was told that I needed to verify my identity and to wait for another piece of mail and then call them. I did receive that letter and called and a replacement was issued. Today, XX/XX/2021, I called Best Buy/Citi because I received an email stating that I have a {$14.00} balance so I wanted to dispute this balance and I was told to call back Monday-Friday because she didn't know why I was being charged and was also told to call XXXX XXXX. I have no idea why I have to call XXXX XXXX if I never had any contact with them or made any purchases through them. As of today, I still haven't received the store credit card and or any statements. I did request to have a copy of the statement mailed to me. This is not the first time that I apply for a credit card but it is the first time that a bank gives me a headache. I did request to have the account closed and was told on XX/XX/2021, that I first had to prove my identity first. A receipt is on my Best Buy account page and it clearly shows that the person that took the item for a refund did not include the XXXX package. I never authorized this purchase and it was part of a free bundle package that came with the XXXX. I believe that Best Buy/Citi is not wanting to work this out with me. Today, I had to call 3 times because the first 2 representatives hung up on me. I can not access Citi online account because I need the credit card number.
Consumer complaint received 2021-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX debt with XXXX  XXXX  XXXX  account was paid and agreed to be deleted from credit reporting agency. 

Collection was never deleted only updated to XXXX balance
Consumer complaint received 2021-09-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (NJ)

Dear sir/madam XX/XX/2020 I had emergency situation and went to XXXX XXXX XXXX XXXX NJ . I just found there was unpaid bill send to collection agancy called amerifinancial solutions, Hospital I went was covered by my health insurance, I just found physician visited me at ER is out of network, this is very confusing, When you know Hospital you going is in network and doctor not. I never been told during my visit doctor was out of network, i gave them my insurance card before even I been entered for assessment. Doctor bill is {$570.00} and insurance is denying, XX/XX/2020 was pandemic period when hospitals didnt have enough doctors or staff. Please help me how I can dispute this bill.
Consumer complaint received 2021-10-23
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: Experian Information Solutions Inc. (CA)

Experience has been charging me for credit reports for over a year now. I have told them to stop billing and refund me multiple times. I have been ignored. Billing started XX/XX/2020. Amounts are {$24.00} every month. I have called them, emailed them, submitted online requests. No response. Today I went through the process again. And for the first time ever was given an option of changing my membership to a {$0.00} fee service. 
They still do not have an option to end all services. 
As bad as they've been about this and how they provide information in my credit report ; this company doesn't deserve to be in control of people 's credit history. 
They should be shut down permanently. 

Separate note about this reporting complaint system. 
In the next section I am given an option. Of providing the last four numbers of my social security number. 
One of those numbers is a XXXX. 
Your system is not accepting the last four of my social based on that XXXX. 
Please fix this error.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-14
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: BARCLAYS BANK DELAWARE (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-01-27
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. (FL)

I sent a dispute to XXXX  on XX/XX/XXXX and have gotten any response from the company and these inaccuracies are seriously harming my credit with my Credit score being XXXX. 

XXXX Account # XXXX This account is inaccurately reporting multiple different information across all three credit bureaus. 

XXXX  - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$1100.00} on XX/XX/XXXX. 
Payment Status Late 120 days with account rating Open Experian - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed XXXX - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$28000.00} with the date of last payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed These are not small inaccuracies and are causing some serious harm to my credit score when you are reporting a much higher past due and balanced owed and no correct payments. My credit score is XXXX with your company and now I know why? 

This account is inaccurate and needs to be deleted immediately. 

XXXX XXXX  XXXX XXXX Balance {$690.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

The Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately. 

XXXX XXXX XXXX XXXX Balance {$1000.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly  and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately.