davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC (GA)

Acima digital has opened a fraudulent account in my name and is aware of it and wont do nothing about it!!!!! I have never done business with them they opened a account on my credit profile on XX/XX/2020 I havent realized the account for some time Im a XXXX XXXX and sometime it slips my mind to keep check my XXXX. I have Fraud alert set up with the 3 credit bureaus and they never called me to make sure this account was actually me upon starting the account which tells me this company supports fraud!!! 
When you have fraud alerts the company calls the consumer to make sure its actually them because they can see when there pulling your credit that you was a victim of identity theft so this is why they verify!!!
Consumer complaint received 2022-09-01
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: EQUIFAX, INC. (GA)

In accordance with the FCRA Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. 
This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-02-23
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (TN)

They call very often, sometimes two times a day. They mirror numbers near me but it changes when they call so I can't identify them. I told them I can't currently pay, I'm in debt that makes me essentially negative every paycheck and I had no money in my bank account every time they called. Each time they said I HAD to pay, and I'd say I don't have money and they said it needed to be paid today or start a payment plan. Last month they told me they'd leave me alone for a while and note that I'm not making extra money I can spend, so they'd give me a chance to call them when I'm better financially, and they still called me several times and got really snippy with me about paying immediately. All for a four year old hospital bill from an emergency XXXX where they injured me further, forced me to stay longer than I needed to, and racked up my bills and my insurance didn't cover it all. At this point I would've taken the XXXX.
Consumer complaint received 2022-01-03
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)

On XX/XX/2021 I 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. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those 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 de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-11-29
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. (LA)

HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-11-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I contacted Citi bank customer service, reporting unauthorized ACH transactions from my savings account. 
Citi bank opened a claim for investigation and I was issued provisional credit on 3 out of 5 disputed charges. The charges occurred between XX/XX/XXXX and XX/XX/XXXX. Citibank claim that the two charges they havent applied provisional credit to, that the charges  occurred long ago, thereby the credit will be contingent upon the response of the Merchant ; and that itll take 10 business days for credit to be applied. 
Transaction of {$1900.00} occurred on XX/XX/XXXX and still within the 2 statement wait time for disputing errors. It is my understanding that Federal Law states that one has up to 2 billing circles to dispute charges on an account. So why is my credit contingent upon the response of the Merchant, especially when the Merchant in question has been unresponsive. 
Citi bank didnt protect my account enough, to prevent unauthorized ACH debit. It is my understanding that youll need a full routing and account details to make this happen. Citibank has also not closed the account in question, even though it has been compromised. 
This is my hard-earned savings for my holiday. 
The reference number for the claim at Citi bank is XXXX
Consumer complaint received 2023-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

had 2 late payments due to covid 19 epidemic was laid off from work was late in XXXX of XXXX and XXXX of XXXX never missed any other payments trying to buy a home and late payments are really hurting XXXX XXXX account is now and always has been current with NO other late payments
Consumer complaint received 2023-02-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (MO)

I noticed on XX/XX/XXXX when I pulled my credit report there had been a medical bill in collections for almost three years. I called the collections agency to request what I had been billed for. All they could provide me with was a bill for {$730.00}. They couldnt provide any more details or told me I would have to get a lawyer so they could get into the file if I wanted more information. They couldnt give me a breakdown of the debt I owe or proof that they mailed me collections bill ( which I have never received in three years its been on my credit ).
Consumer complaint received 2023-02-19
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: CCS Financial Services, Inc. (SC)

I HAVE CONTACTED CREDIT CONTROL SERVICES SEVERAL TIMES AND THEY HAVE KNOWLEDGE I HAVE NO ACCOUNTS WITH XXXX PERSONALLY. THEY HAD REMOVE THIS ACCOUNT SEVERAL TIMES AND KEEP PUTTING IT BACK. IF THIS ACCOUNT IS NOT REMOVED FROM MY CREDIT FILES I WILL FILE SUIT ASAP AND REPORT THEM TO THE INSURANCE COMMISSIONER FOR ABUSE TO SENOIR AND TRYING TO RECEIVE MONIES UNDER FALSE.. WHICH IS FRAUD
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX someone took {$2500.00} where they use my pin code. I never told anyone my pin code even my husband doesnt know it. The next day that person bought {$160.00} worth of XXXX XXXX in my card also bought {$3300.00} from XXXX XXXX store in XXXX XXXX. XX/XX/XXXX, {$1400.00} was used to buy at XXXX in XXXX. Ive never been in those places in my life. I assume that someone from chase bank use my personal information to go on a shopping spree for the holidays while they wipe out my account. Whoever did that should be ashamed of himself or herself for doing me wrong. I wont stop until something is done about this. I think the bank should have more advance technology where the customers can approve their purchase through text messages so they are aware of every transaction that is being done in their account. They should have known this long time ago I should not be the one to tell them. Its being a week since I made the report to Chase for this matter I still have not get my money back. I think if it was my credit card I think Chase would care more more to find out who did since its their money. What if I need to buy something I left with less than {$100.00} in my account. I thought chase cared about the customers money since they use costumers money to make billions.
Consumer complaint received 2021-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I applied for business credit under the impression it was a soft/identity verification pull on my personal account only. They ran it as a hard inquiry which I would had never agreed to.
Consumer complaint received 2022-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (AZ)

stated I did not order nor do I use XXXX also this bill had my street address and I have all bill sent to my XXXX XXXX XXXX My XXXX Phone is paid for by my girlfriend not by me
Consumer complaint received 2022-01-03
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. (CO)

I have reached out to Experian several times, but on the page 2 of my report it says 1 account with late payments .... However no account on my credit shows a late payment, I have never made a late payment. It also says 2 % of accounts with late payments however that again isn't true and no accounts show late payments. 
XXXX XXXX said they did not report it as late payments. 


Also XXXX XXXX XXXX, I had a lease and my car was totaled, and I paid every payment, once the car was totaled it took a bit for the insurance to clear but I paid off the amount an asked to pay. As I recall XXXX and I went back and forth about some things that were unfair and we agreed to a settlement where they agreed not to report anything that negatively impacted my credit and yet after I paid they did that.
Consumer complaint received 2022-01-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (IL)

This company has unlawfully repossessed and sold the vehicle. The vehicle was repossessed in XXXX. This company continues to report fraudulently using my data in violation pursuant to 15 USC 1681A ( 2 ) ( b ) by furnishing an account that was created from my credit card or similar device and continues to use my credit card data in unauthorized factions that I never gave permission directly or indirectly. This company is advertising that I alledgedly owe when I do not. There is no debt sold because the product has been sold. CNAC is violation of 15 USC 1681B for furnishing a consumer report without my consent. They continue to use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. This company has committed fraud through mail as well as aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028.
Consumer complaint received 2022-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

( 1 ) opened 1 safety box on XXXX, box number # XXXX, {$51.00} service fee to be waived for premier customer ( 2 ) had problem with the keys, closed # XXXX and opened a new box with box # XXXX on XX/XX/XXXX ( 3 ) I have everything auto pay and accounts linked as premier customer and believed 1 safety box I had should be free of charge from the waiver ( 4 ) but while talking to customer service, they found that there were 4 charges on my account XXXX : {$51.00} XXXX : {$51.00} XXXX : {$51.00} XX/XX/XXXX : {$51.00} ( 5 ) also they found that the safety box # XXXX was still assigned for me and not closed properly causing those fees Bank of America made error by charging me for the safety box I no longer have ( 6 ) asked them to refund overcharged 4 of {$51.00}, {$200.00} but the lady said I have to visit branch and explain and ask to see if they can do something I made many phone calls for long time already and bank of America is being negligent and irresponsible again over their old negligence I want my {$51.00} X 4, {$200.00} back Person I spoke : XXXX at customer service XXXX at Safety box department in XXXX XXXX Person who refused to help further and sending me back to the branch : XXXX XXXX XXXX Officer & Proficiency Coach Complaint # : XXXX
Consumer complaint received 2022-09-01
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. (AL)

I have submitted disputes to youand you have not responded in 30 days as you are required by law. 
Please investigate my disputes. 
Thank you.
Consumer complaint received 2023-01-20
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$670.00} ; XXXXXXXX XXXX XXXXXXXXBalance : {$17000.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX : {$500.00} ; XXXX XXXXXXXX Balance : {$190.00} ; XXXX XXXXXXXXBalance : {$0.00} ; XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-11-28
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. (FL)

This is a complaint against EQUIFAX SPECIAL AFFAIRS DEPARTMENT, to ask that you please eliminate any accounts that were opened under fraud without my authorization or permission. In this particular case without my presence, I also ask to remove all inquiries that are reported in my credit report, that were also solicited without my authorization. EQUIFAX SPECIAL AFFAIRS DEPT. knows very well, that I am a victim of identity theft, for many years I have sent over police reports and complaints and new accounts keep appearing on my report. This complaint I'm making is because I have new police reports, with new accounts that have been opened under my name under fraud. This is the best and most effective way with all the documents that I will upload to dispute all the negative accounts that were opened. The accounts that I am going to dispute under fraud is 1 ) XXXX/XXXX, ACCOUNT # XXXX, 2 )  XXXX  XXXX XXXX # XXXX with balance {$730.00}, 3 )  XXXX  XXXX  XXXX ACCOUNT # XXXX with balance {$95000.00}, 4 ) XXXX  XXXX  XXXX ACCOUNT # XXXX with balance {$62000.00}, 5 ) XXXX/XXXX  ACCOUNT # XXXX, 6 ) XXXX  XXXX  XXXX ACCOUNT # XXXX, 7 ) XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, 8 ) XXXX  XXXX ACCOUNT # XXXX, 9 ) XXXX XXXX  ACCOUNT # XXXX, 10 )  XXXX XXXX XXXX  ACCOUNT # XXXX, 11 )  XXXX XXXX XXXX ACCOUNT # XXXX, 12 )   XXXX, XXXX, ACCOUNT # XXXX, 13 ) XXXX   XXXX  XXXX  # XXXX, 14 ) XXXX-RETAIL ACCOUNT # XXXX, 15 ) XXXX XXXX ACCOUNT # XXXX, 16 ) XXXX/XXXX  XXXX  ACCOUNT # XXXX, 17 ) XXXX XXXX  ACCOUNT # XXXX, XXXX8 )  XXXX  XXXX XXXX  ACCOUNT # XXXX, 19 ) XXXX XXXX XXXX ACCOUNT # XXXX, 20 ) XXXX, XXXX. 
INQUIRIES ARE AS FOLLOWED : 1 ) XXXX XXXX, 2 )  XXXX  XXXX  XXXX, 3 ) XXXX  XXXX, 4 ) XXXX  XXXX   XXXX, 5 ) XXXX XXXX XXXX, 6 ) XXXX   XXXX XXXX, 7 ) XXXX  XXXX, 8 ) XXXX XXXX XXXX, 9 ) XXXX XXXX, 10 ) XXXX, 11 ) XXXX XXXX, 12 )  XXXX XXXX XXXX, 13 ) XXXX XXXX, 14 ) XXXX XXXX. 
All of these complaints that I am making for being a victim of identity theft, are backed up by a police report I made XX/XX/2019, two days after I came back from XXXX. I left this country XX/XX/2019 and when I came back I came back to all these accounts that were opened under fraud. I am following the federal law, that will protect me against this Identity theft that I was a victim to, supported by the police report and Identity Theft Victims ' Complaint and Affidavit. Also, I am in contact with all of the other companies that have accounts and inquiries under my name which were opened under fraud because of my identity theft. I am making this complaint because I'm blocked from making disputes online, and I'm also mailing you my documents. I appreciate the support and good customer service you guys have given to solve this huge problem I've had at this time.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

It seems that FCRA 605B necessitates the elimination of any inaccurate accounts from my credit report. Could you kindly verify the documents? Certain listed accounts appear to be inaccurate, and it's unsettling for me.
Consumer complaint received 2022-01-03
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: GOLDMAN SACHS BANK USA (CA)

On XXXX XXXX, XXXX I purchased a blue XXXX XXXX  ( XXXX  XXXX ) for my daughter 's XXXX present. When doing so I opted to sign up for the apple card. Everything was great. 

On the day of delivery I get a notice saying the driver attempted to deliver the product but no one was home. I was home and have ring video surveillance on my home and can prove no car ever approached my home or address this day. So the product was returned to the store. I then called XXXX  to see if I could go into the store and pick up my product. They told me that I couldn't and would have to follow the instructions provided to me which were to wait and the money would be refunded in N days. 

I believe XXXX never had the XXXX in store or if they did it was sold to an in store customer. They should have better control of their inventory especially since this was the carrot used to open this Apple Card account. 

Either way I was going to get a refund so I didn't care. Then the other day I get an invoice for my Apple Card saying I had about a {$27.00} balance. So today Monday XX/XX/XXXX - I called Apple Card up and found out that XXXX did credit the money back to an account but it was my XXXX XXXX account and not my Apple Card account ( the one I used for this transaction ) I was never provided a choice of how I wanted these funds back and by providing them on a different card they left me open to incur purchase charges. There is also an additional {$4.00} charge on my account they are unable to tell me where the charge came from.ff
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (OH)

I received XXXX notices today from my various credit card monitoring services that someone opened an account in my name on a SUNDAY EVENING. I contact SYNCB and they said they dont have a record of the request yet I have " XXXX '' emails that say TRANSUNION had a HARD INQUIRY for me yesterday again SUNDAY EVENING. 

XXXX. XXXX, 2019 New Inquiry SYNCB Travel/Entertainment ( XXXX ) XXXX C O XXXX XXXX XXXX O XXXX XXXX XXXX XXXX FL XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc. (OH)

Hello, In XXXX I got a new leased XXXX XXXX. The lease was for 3 years. During the course of this loan, I had XXXX issues with GM Financial 's auto payment system. Once in XX/XX/XXXX and once again in XX/XX/XXXX. When I realized it happened again, fearful my credit would be penalized, I paid off the remaining months of my payments early. When I returned the vehicle early, I was charged again with additional fees that were all paid on the date of return and the account was officially closed out by GM XX/XX/XXXX. 
This all shown and recorded on XXXX. 
The past few years my husband and I have been looking to purchase a home. We went to sign mortgage documentation XX/XX/XXXX, I noticed that it incorrectly showed an active loan with GM Financial. When I informed our lender, they let me know " There is a GM lease still showing up on your credit for {$1800.00}. '' This does not show up anywhere on my XXXX or XXXX report shown in XXXX. This is the first this has been brought to my attention and I believe this has been negatively impacting my credit the past 3-4 years now. I tried to resolve this issue with GM Financial and they seem next to impossible with communicating. I can not access my GM Financial account because I no longer have an account number which is required to login. After further investigation, I saw I'm not alone and this has happened to other GM XXXX XXXX consumers who turned to the law for help. I'm not sure if this is the right avenue to turn, but I'm hoping to get this situation justified without having to pursue legal action. I feel they have violated the Fair Credit Reporting Act. Thank you for your assistance in helping to correct this.