davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Green & Sons Agency, Inc. (CA)

I am writing to file a complaint against Debt Collector ( Outsource Receivables Management ) and Merchant ( XXXXXXXX XXXX XXXX  ) for making false statements and representations because ( 1 ) I do not owe Merchant anything, and ( 2 ) the amount the Debt Collector claims I owe does not align with Merchants false claims. 

MERCHANT : Merchant is a licensee of XXXX car rental company. As further discussed in Attachment A, I rented a car and prepaid for the vehicle in full through XXXX. When I picked up the vehicle, I initialed the contract twice to acknowledge that I declined the fuel purchase option ( Attachment A, Exhibit 3 [ Merchants copy of the contract ] and Exhibit 4 [ the copy of the contract that Merchant provided me ] ). Also, at the time of pick-up, the contract provided to me stated the return time for the vehicle was XX/XX/XXXX, at XXXX XXXX. ( Id. ) In reliance on the contract 's terms, I returned the vehicle with a full tank of gas an hour earlier than it was due, on XX/XX/XXXX, at XXXX XXXX  ( Attachment A, Exhibit 5 [ return receipt showing I returned the vehicle with a full tank of fuel on XX/XX/XXXX, at XXXX XXXX  ] ). Therefore, I avoided additional charges beyond what I had already prepaid for the vehicle. 

However, on the return receipt, Merchant falsely claimed and charged my credit card for the fuel purchase option and an additional hour.

I attempted to contact Merchant to resolve the dispute. ( Attachment A, Exhibits 6-8 [ call logs and emails of my attempts to contact Merchant ] ). Merchant refused to look at the contract and yelled at me over the phone. ( Attachment A at pp. 5-7. ) XXXXXXXX XXXX XXXX  DISPUTE : Because the Merchant was uncooperative and yelled at me, I sought relief by disputing the charge through my credit card company. Attachment A is the letter and exhibits I sent XXXX to support my dispute. 

On XX/XX/XXXX, XXXX notified me that they had resolved the dispute in my favor and gave me permanent credit for the erroneous Merchant charge. ( Attachment B. ) DEBT COLLECTOR : On XX/XX/XXXX, I received the letter in Attachment C. The letter falsely claims that payment on [ my ] account is overdue to Merchant for {$100.00}.

As described above, I do not owe Merchant. Moreover, the amount Merchant erroneously charged me was {$74.00} ; now Debt Collector falsely claims I owe 140 % more. 

RELIEF REQUESTED : Merchant and Debt Collector need to immediately cease and desist making false claims and representations because I do not owe Merchant anything.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I first disputed 3 bogus accounts requesting validation and all I received was statements and bill info. I never received any information with my signature or anything proving that these accounts were mine, in which they are not. So I then did further investigation and went through the id theft process and sent the affidavit to the bureaus to block and remove the items and they advised me that they will not remove the items.
Consumer complaint received 2022-09-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-01-15
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 — Investigation took more than 30 days
Company: FORD MOTOR CREDIT CO. (FL)

FORD MOTOR CREDIT HAS ADDED A 30-DAY LATE CHARGE TO MY ACCOUNT. ORIGINALLY, FORD MOTOR CREDIT SWITCH COMPUTER SYSTEMS WHICH CHANGED MY USERNAME AND WOULD NOT ALLOW ME TO LOGIN. I TRIED TO RESOLVE THIS, HOWEVER I HAD NO SUCCESS WITH THEIR AUTOMATED SYSTEM AS THEY SAID MY ACCOUNT COULD NOT BE RECOGNIZED. 

I CALLED IN AND MADE A PAYMENT ON THEIR AUTOMATED SYSTEM. HOWEVER, ONE WEEK  LATER THE MONEY DID NOT CLEAR MY ACCOUNT AND I WAS TOLD THAT THEY NEVER RECEIVED A PAYMENT, DESPITE THE FACT THAT I DID. I HAD TO MAKE THE PAYMENT A SECOND TIME. 

I HAVE NEVER MISSED A CAR PAYMENT AND THEIR ERROR HAS CAUSED A SIGNIFICANT DECREASE IN MY CREDIT SCORE. I REQUEST THIS 30-DAY BE REMOVED IMMEDIATELY AS IT WAS THEIR ERROR.
Consumer complaint received 2022-11-12
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law 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 2022-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX # XXXX is reporting on my credit as a repossession, however this account should not be reporting this way. This account is no longer a repossession and needs to be updated to show the account open and current.
Consumer complaint received 2024-03-16
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. (AR)

I hope this letter finds you well. I am writing to bring to your attention a matter of significant concern regarding multiple attempts made to remove fraudulent items from my account. 

To my dismay, despite multiple attempts to rectify this issue, the fraudulent items have not been adequately addressed. Despite providing all necessary documentation and details regarding the unauthorized transactions, the resolution process seems to have been prolonged unnecessarily, causing me significant inconvenience and frustration. 

I understand that instances of fraud can be complex and require thorough investigation. However, I expected a more expedient and effective response from your company in resolving this matter. The lack of timely action has not only impacted my financial security but has also eroded my trust in your company 's ability to handle such critical issues. 

In light of these circumstances, I urge you to take immediate action to rectify this situation. I request that you promptly investigate the unauthorized transactions on my account and ensure that the fraudulent items are removed without further delay. Additionally, I expect a clear and transparent communication regarding the steps being taken to address this issue and prevent similar occurrences in the future. 

Furthermore, I believe it is reasonable to request compensation for the inconvenience and stress caused by this ordeal. I trust that you will handle this matter with the urgency and seriousness it deserves and provide me with a satisfactory resolution at the earliest opportunity. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX  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 2020-01-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I received a call from XXXX XXXX from XXXX XXXX XXXX who said he was calling on behalf of HSBC who I dont even know. He didnt know what the balance or debit was for and couldnt tell except that he needed to get a payment of no less that {$600.00} somewhat dollars on the phone. After explaining to him repeatedly I didnt know what the debit was and I didnt have the money to pay and that I was with XXXX XXXX XXXX he said NO something needs to be done now even after I offered to pay {$100.00} as good faith payment he said we will go forward with further collection attempts and it may be legal and it doesnt matter that I am trying to resolve this debit because it wont stop them from moving forward legally. 

At the end of the phone call a woman that I havent spoken to in over a decade calls me saying that XXXX XXXX XXXX was calling her regarding me and giving out my personal information, my social security number NO LESS etc to a woman I have not been in contact with for over a decade!!! Unbelievable!!! And they attempted to contact my employer!! 

I understand there are people that make debit and choose to ignore it but for us people who try hard to do right but illness, XXXX XXXX, treatments take over WE CAN NOT HELP IT! 

I will not be harassed or be humiliated by these people spreading my personal business around. Inappropriate and ILLEGAL
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC (MO)

Fay Servicing LLC repeatedly marked my account as " late '', charged a late fee, additional recovery fees and reported the account as late to the credit reporting agencies, despite the knowledge and agreement to change the due date on the account to mid-month. Fay Servicing LLC, did not adhere to policies regarding the change of due date, regarding payment agreements. Fay Servicing did not do their due diligence in changing the required information and alerts, so that it would not be falsely reported to the credit bureaus. When the due date changed to the XXXX of the month, the account alerts should have been updated to reflect that important change. Otherwise, allowing the change of date is completely redundant and posturing, in order to appear to the authorities that Fay Servicing LLC was being flexible, at the time. Fay Servicing LLC should rescind the late charges, reports to the credit bureaus, from the time the arrangement of mid-month due dates was made. Fay Servicing LLC also refused to acknowledge a payment and continued to collect late charges and reported late payments to the credit bureau. I have provided official documentation from my credit union to support this, Fay Servicing LLC has not responded or attempted to remedy the situation.
Consumer complaint received 2024-03-16
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. (CO)

I am not liable for this debt with XXXX. 
I do not have a contract with XXXX XXXX They did not provide me with original contract as requested. 
I demand that this account be removed from my credit report immediately. 

Date reported to my account XX/XX/2024 amount {$5100.00}
Consumer complaint received 2020-01-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX, XXXX, I received a letter from Bank of America advising that an account in my name as trustee holding a {$2000.00} certificate of deposit for my daughter was going to be closed within 30 days because it had purportedly been " inactive '' unless I contacted Bank of America within 30 days. When I contacted Bank of America on XX/XX/XXXX ( within 30 days of the date of the letter ) I was advised that the bank had closed the account on XX/XX/XXXX -- just 12 days after the date of the letter -- and that the entire balance had been transferred to the State of New York. 

This account was established for my daughter by my late mother. After she passed away, I contacted Bank of America on XX/XX/XXXX the date referenced in the Bank 's letter as the last date of any qualifying activity to change the account to be titled in my name as custodian, and to change the address from that of my mother to my address. 

Although it appears that the Bank managed to change the account name, it appears to have failed to change the address and continued to use my mothers address rather than MY address. Indeed, the Unclaimed Funds website for the New York State Comptroller correctly identifies this account as being held in my name, but at my late mothers address. 

Presumably, the Bank 's addressing error prevented me from receiving any communications from the Bank subsequent to XX/XX/XXXX, until the Bank 's letter of XXXX XXXX, XXXX, by which time it appears that someone at the Bank discovered its error and was able to reach me at my current address. 

None of this, of course, explains how the Bank could have closed the account and transferred its balance to the State of New York just 12 days after representing that no such actions would be taken until 30  days after its letter of XXXX XXXX. The Bank 's gross misrepresentation of the status of this account and the steps needed to prevent closure and transfer obviously compounded its error in failing to update the address of the account back in XX/XX/XXXX. 

On XX/XX/XXXX, I wrote to the Bank ( via XXXX ) at the address provided in its letter of XX/XX/XXXX and provided all these facts. I asked for a response within 30 days, and have gotten no response at all. NOTHING. Incidentally, the certificate of deposit carried a 3.99 % interest rate thru maturity in XX/XX/XXXX. I wonder if the Bank 's desire to terminate that relatively high interest rate played some role in its precipitious and wrongful closing of this account?
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have a AAA credit card. AAA Motorist membership placed me in auto renew with my membership card with out my knowledge. I called to dispute the charge. I was asked if the company said they would credit my account. The rep kept asking crazy questions as to what the merchant AAA motorist said. 

AAA motorist charged this card {$160.00} with out my permission. 
I tried to dispute with AAA/ bank of America . 

I down graded my membership with AAA Motorist ( XXXX ) I was to receive a new card in the mail and refund for the difference. Since that never happened I need to dispute the {$160.00} unauthorized charge
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my 5th 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 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
Consumer complaint received 2023-01-18
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. (FL)

It has come to my attention that XXXX has reported transactions between I XXXX XXXX the consumer and XXXX the creditor to my consumer report In the months of XXXX, XXXX, and XXXX of the year XXXX have opt out XXXX should not be reporting transactions to my consumer report it is violating my consumer rights. According to the FCRA 15 usc 1681a 2a1 stated in paragraph the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2023-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

Chase Banking credit card ( XXXX ) and checking account were opened in my name today XX/XX/2023, without my consent. There were hard inquiries on my XXXX and XXXX credit reports and I disputed them. I do not see an inquiry on XXXX but am contacting them to ensure that did not happen. 

I have put fraud alerts and freezes on all 3 credit reports, notified the FTC, and the Consumer Finance Bureau, and filed a police report.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

After analyzing my credit report, I discovered the following information, which makes me even more angry. I never gave your company the opportunity to report abusive actions against me under the Fair Debt Collection Practices Act ( 15 USC Section 1692 ). I was subjected to a breach of my privacy.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Please reimburse me for the funds loss resulting from the damages caused on my checking account that was frozen/blocked in the amount of {$670.00} which includes {$610.00} late fee and {$61.00} checking recovery fee changed by the tax collector of XXXX XXXX XXXX I wrote check no XXXX for the amount of {$6100.00} and it was rejected bounced resulting from bank error. The check was not honorred by the bank. I personally visited Citibank in XXXX CA on XX/XX/year> and requested to know if I could write checks on the account. The account had a fraud issue on the account occurred by internal affairs of the bank approximately a year priror. The teller XXXX XXXX assured me that my account was ok and it ok to write check on the account. Unknowing to me XXXX XXXX was a new teller and did not know what she was doing ( I learned this later after talking with her ). She appologized for her error and hopes the bank reimburse me for my loss funds. I presented XXXX XXXX with my physical check and ask her to verify this because the fraud issue occurred on my account prior. She note again it was ok to write checks. The check were utilimately returned unpaid by the bank. Thus resulting is loss of {$670.00}. The bank has refuse to response to my request for reimbursement or even provide a written response. I got call from banch XXXX indicate that the bank has demanded that he does not provide any written communication.
Consumer complaint received 2022-11-12
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. (LA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.