davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-29
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. (FL)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2020-02-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cooling & Winter LLC (GA)

I do not know Cooling and Winter LLC nor XXXX XXXX XXXX, XXXX XXXX XXXX. I requested them the proof of the debt, I owe to them. Instead of sending me the proof, they sent me forgery XXXX County court Record and moreover they attempt to steal mon

ey from my bank account. Attached : 1.
Original Writ of XXXX XXXX on XX/XX/XXXX 2. Forgery Writ of XXXX XXXX 3. Forgery Document Follow Up 4. Forgery Garnishment Filing 5. Cooling & Winter LLC Name was Reserved and Established on XX/XX/XXXX but Their name was in Writ of XXXX XXXX on XX/XX/XXXX 6. ID Theft Report 7. Request Proof of Owe : Certified Letters and was Delivered to Cooling & Winter
Consumer complaint received 2020-02-29
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: Experian Information Solutions Inc. (AL)

This is an attempt to correct my XXXX, EXPERIAN, and XXXX credit report ( s ). I have identified fraudulent accounts and inquiries on my credit reports and need to report identity theft. Please remove and block the accounts below. 

XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX - - {$740.00} XXXX XXXX XXXX XXXX XXXX {$900.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ XXXX  XXXX/ XXXX I am requesting for these accounts to blocked and permanently removed from my credit report ( s ). These accounts and inquiries are fraudulent, unverifiable, and violate my consumer rights.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (WA)

I have a Synchrony Bank mastercard that was issued to me by Samsclub store over 10 years ago when their store was open in XXXX. The club closed in my area about 4 years ago but I kept using the master card. The creditcard has rewards similar to many other credit cards. I was given my rewards since the store was closed either by check or credited to my master card. 
In XXXX of this year I got an email from Samsclub that says my rewards could be only redeemed in cash in Samsclub stores or used as a credit to buy from their store. 
Later on XX/XX/XXXX I got another email that says my rewards was ready and could be cashed or used to pay at their store. I called The Mastercard customer service on XX/XX/XXXX following this email to inform them there was no a single store in my area. I made them aware that Sams club stores were closed about 4 years ago. Hence there was no place I could go to cash it. Instead I asked them to send me a check as before or credit me to pay for my mastercard purchases. 
They told me that they could not do it now due to a change of policy. When I asked when the policy was in effect, they told me it was there. Why was I not informed about it when I was paid in the last consecutive years with a check, I do not know. Not only that, I had also made a call on XX/XX/XXXX to know about the status of my rewards. I was told by the customer service that they would send me a check sometime in XXXX of XXXX since there was no Samsclub stores in my area. The call, I believe, is in their records. 
They are not consistent with their their information. One would expect they would inform their customers of the effective date when the policy would apply. They can review their records what they told me in XX/XX/XXXX and in XX/XX/XXXX. They need also to see why they paid me for the last three years by check or credited to my master card and now they are insisting I can only use it in their store. 
I am totally unhappy with their service and I hope someone above me tells them to respect their customers and be consistent with their policy. This is not the first time I had to tell them about the closure of the store in my state. There is a disconnect between the policy makers and where their stores are located.
Consumer complaint received 2020-02-29
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. (KS)

In XXXX of 2017, I was stated to have missed 11 student loan payments because I had 11 different student loans from them at the time. It was stated that all 11 payments were 90-119 days late. This is not true. XXXX operates in a way that you pay a certain amount each month which THEY, not the individual making the payment, spread across the various loans that you have. That means that I only missed the 1 payment and not 11 separate payments. It also does not add up that the " 11 payments '' were all that late considering that every months payment after that was perfectly on time so I would not have had anything left to catch up on. I have contacted XXXX and they had me file a dispute but the dispute simply said that they found nothing incorrect. After calling them multiple other times, they then said that the issue was with the credit reporting agencies. I tried to contact Equifax, XXXX, and XXXX  to see what they can do but I have yet to get any answers about what can be done.
Consumer complaint received 2021-08-31
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: JPMORGAN CHASE & CO. (NY)

never answered my request to validate the charges they claim belong to me verbally XXXX XXXX illegally selling the information to two debt collectors who told me they were Jp Morgan mis-representing there true identification in order to collect the debt on the credit card. I filed a complaint to Jp Morgan also with the FTC in writing XX/XX/XXXX, XXXX jp Morgan to answer in a timely fashion in which they never did. I've made numerous calls to Jp Morgan chase in the past Dated approximately XX/XX/18 to present to dispute charges and they said the would investigate they never did only issuing a new card with and carrying over charges and adding to my balance. 
U.S. Consumer Financial Protection Bureau Subjected consumers to collection activities for accounts that were not theirs, often for amounts that were incorrect or uncollectible Saddled consumers with inaccurate credit reporting and improper judgments that could affect their ability to obtain credit, land a job or buy a home Sold inaccurate, settled uncollectible or very old, " zombie '' credit card debts to debt collection firms that subsequently pursued consumers for repayment Filed lawsuits and obtained judgments against consumers using false and deceptive affidavits and other documents prepared without following proper procedures a practice dubbed robo-signing. first card received. first card XXXX ( fraudulent activities,,, XXXX gas stat.ion in the XXXX made a police report and charges from XXXX. contacted jp Morgan chase gave information and they never gave me any information on there investigation they instead issued me another card different account number and roll over fraudulent activities and charges, this has been their practice with other cards issued,,, rolling over balances without investigating past occurrences. 

XXXX XXXX XXXX
Consumer complaint received 2021-08-31
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2019-12-06
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: REGIONS FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX card services inquiry on XX/XX/XXXX Regions bank inquiry on XX/XX/XXXX XXXX
Consumer complaint received 2020-02-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

RE ; Experian Credit Report I have had several Unauthorized Credit inquiries and have contacted Experian and The Creditors Via Phone and US Mail To No Avail they have not corrected the situation and I'm reaching out to get help with this matter. 

Unauthorized Credit Inquiries List Below : XXXX XXXX XXXXl XX/XX/2019 XXXX XXXX/XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX I would Like a Copy of My Authorized OK to Pull my credit. 

Thank you XXXX XXXX XXXX
Consumer complaint received 2020-02-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After reviewing my XXXX  Credit Report my account status displays as closed with an error in number sequencing with late payments the account is satisfied the company stated once paid the tradeline will be removed the update status is XX/XX/2020, according to the FDRA the tradeline is compromising my payment history is reporting illegally compromising my credit score affecting my creditworthiness which interferes with obtaining and establishing ongoing credit.
Consumer complaint received 2021-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (AR)

Im client of LexingtonLaw CreditRepair who are assisting me in removing negative items from my credit reports through XXXX, XXXX, XXXX. Who has been with LexingtonLaw from XX/XX/2018 through XXXX XXXX Who paying them {$120.00} each month and my credit scores hasnt reach XXXX or XXXX to qualify for low interest rates to buy a home. Also I am member with XXXX who paying them {$19.00} a month. I am also member with XXXX who pay them {$4.00} a month. LexingtonLaw who connected with XXXX who I am paying {$120.00}
Consumer complaint received 2020-02-29
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: CITIBANK, N.A. (GA)

XX/XX/2020 XXXX  report a " hard pull '' from Citibank Na. This  was not initiated by me. I submitted a dispute with XXXX. 

I wrote to Citibank informing them I had not applied for a credit card. No acknowledgement of my letter has been received. 

Today I received notice from XXXX  that a credit card had been opened in my name.
Consumer complaint received 2020-02-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (OR)

I spoke with Supervisor XXXX in card services on XX/XX/XXXX. He explained that if I paid {$13.00} to bring my account to {$400.00}, the savings account that had {$400.00} would be transferred and the card and the account would be closed. On XX/XX/XXXX20 I go into into a branch to find out that the account isn't closed, I'm given an 800 number to call. I called the number and the rep transferred me to XXXX also a supervisor in card services. He explains the card and account will not be closed until after I pay {$400.00} and then wait until after XX/XX/XXXX so I have to pay the interest on a cash advance of {$50.00} ( plus a {$10.00} fee ) that was done in XXXX. After all this is done the account will be closed and the {$400.00} will be mailed to me. The issue I have is ; I did what I was told by XXXX in good faith and now the new supervisor is unwilling to follow the commitment in good faith that I understood.
Consumer complaint received 2020-02-29
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. (SC)

I do not want a fraud alert, that only hurts the consumer and doesn't protect against anything. 
Three months ago I contacted XXXX, Experian, and Transunion concerning unauthorized inquiries, that stem from someone usage or attempted usage from the compromised social security number instituted from the dark web, no accounts were opened but inquiries were listed, XXXX  upon contact agreed to remove the ninety one inquiries on XXXX, sixty eight on Experian, and 51 on XXXX   subject to that correspondence, as of this date, they haven't removed a thing, I just want them to honor their statement and remove the ninety one subjected inquiries.
Consumer complaint received 2023-02-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Solutions, Inc. (SC)

On XX/XX//2023, I received a letter from Receivable Solutions XXXX ( XXXX ) attempting to collect a debt that I do not owe, in the amount of {$40.00}. The letter used an aggressive and accusatory tone, and makes remarks that are duragatory to my character, to attempt to coerce me into calling them or outright sending them money to pay the debt. This is the first such a letter I have received from XXXX. The letter also fails to mention my right to dispute the debt, or the requirement to do so in writing. 

I have already contacted the original creditor to verify the debt, and they confirm no such debt exists. They also confirm that the services of XXXX have not been engaged in any debt for me.
Consumer complaint received 2019-12-06
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (CA)

I have had several problems with CitiBank calling me after I have asked them not to contact me by telephone and yet they continue to do so. No lawsuits are currently filed on this matter as of yet. Attached is a screenshot of the Caller ID from CitiBank ( XX/XX/2019 Call ). The same telephone number matches the number that is in their Terms And Conditions. They called me using an automated dialing system and they recorded my telephone call as well.
Consumer complaint received 2018-02-27
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

Hello, My issue is with my Capital One Credit card. They reported me as a payment Late for the month XX/XX/XXXX and XX/XX/XXXX. The problem is that I set up automatic Payments back XX/XX/XXXX, on the mobile app. This was confirmed on my Moblie device. Keep in mind this credit card balance was {$380.00}, and I've never been late. So come XX/XX/XXXX, I get an alert saying My credit report had some changes. So check it, and find out XXXX XXXX had reported two months late. So I dispute this with all Credit bureaus and received the month of XX/XX/XXXX removed as a late payment. They will not remove XX/XX/XXXX, which is part of the same dispute. The investigation that XXXX  XXXX launched hasn't been fair and they continue to report wrong information to the credit bureaus. The customer service rep confirmed my story and assured me cap one would fix this, but nothing has happened
Consumer complaint received 2018-02-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP (NY)

XXXX XXXX XXXX is charging me for an account I never had with them I paid XXXX  XXXX for my auto loan It was a hit and run XXXX my insurance company along with gap insurance fully covered this loan once it was hit by another car it was a total loss Once these insurance comapnaies paid in full this XXXX   XXXX  called all over asking for me where I was they wanted me to pay them this XXXX somthing and I never paid them I always paid XXXX  XXXX and always on time I always paid the whole time I had that car always you could ask XXXX XXXX so I'm not even sure where these charges came from
Consumer complaint received 2023-02-04
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. (FL)

I contacted TransUnion to request removal of fraud alert, I spoke with some who advised to complete the request online. After attempting to complete the request online, I was not able to access due to TransUnion website being down for 72 hours. I called customer service again to complete the request over the phone, I spoke with a rep who i was not able to understand due to her not being able to speak clearly. I then requested to speak with someone that I can understand clearly to avoid communication issues. The rep continued to repeat, I can help you with that and proceeded to question me. Once I answered the questions correctly, she said I failed and was not able to complete my request. I asked her what are my options, she did not provide any alternative options to assist me at all. I then asked if I can submit my information to verify myself in to complete the request, she stated I needed to wait 3 days for a code. I stated there should be another way to mail my information in and verify my identity. she stated that was not an option for me. I then requested to speak with a manager she placed me on hold, I was on hold for over 2 hours and eventually hung up. This was pure discrimination against me due to me not renewing a monthly membership with them.
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Consumer complaint received 2020-02-29
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. (KS)

In XXXX of 2017, I was stated to have missed 11 student loan payments because I had 11 different student loans from them at the time. It was stated that all 11 payments were 90-119 days late. This is not true. XXXX operates in a way that you pay a certain amount each month which THEY, not the individual making the payment, spread across the various loans that you have. That means that I only missed the 1 payment and not 11 separate payments. It also does not add up that the " 11 payments '' were all that late considering that every months payment after that was perfectly on time so I would not have had anything left to catch up on. I have contacted XXXX and they had me file a dispute but the dispute simply said that they found nothing incorrect. After calling them multiple other times, they then said that the issue was with the credit reporting agencies. I tried to contact XXXX, XXXX, and Experian to see what they can do but I have yet to get any answers about what can be done.
Consumer complaint received 2020-02-29
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Texas Guaranteed (VA)

Consumer complaint narrative I received a letter from the Trellis Company on XX/XX/XXXX claiming that I owe { {$18000.00} }. They went on further to say that I defaulted on this obligation ( I dont owe them ) I saw no other information about who the original lender was, and what the terms and agreements were for the loan. They simply stated that I owe { {$18000.00} ) and they will garnish my wages to resolve the issue, which is Not right. I had my loan From Virginia Bankruptcy Court XXXX Dischrged, XX/XX/XXXX which The company was XXXX. Plus XXXX  did not show up in court in XX/XX/XXXXfor the {$10000.00} loan so Judge GRANTED me FULL DISCHARGE OF CHAPTER XXXX liquidation of Assets to me. 

Now, 5 years later I get letter from these Trellis Company and wage garnishment to XXXX XXXX in XXXX Va to garnish my wages and didnt say what date the loan was I had with them Trellis ( I have no loan with them ). This money laundering and target consumers of bankruptcy is illegal. I am a single mom and have no money, to go after these thugs,. Please help. Virginia Bankruptcy Court of XXXX said loan was discharged and trellis isnt named on court papers so they are threatening me and my company. 

What Trellis sent to XXXX is some made up number, and There was no other specific information as to the account number, the initial date the loan was started or which financial institution loaned me the funds.
Consumer complaint received 2020-02-29
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: EQUIFAX, INC. (NY)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : have made. It is the result of identity theft. 
XXXX XXXX XXXX OPEN XXXX {$2400.00} XXXX XXXX XXXX OPEN XXXX {$4300.00} XXXX XXXX OPEN XXXX {$260.00} XXXX XXXX OPEN XXXX {$660.00} XXXX XXXX OPENS XXXX {$1000.00} XXXX XXXX XXXX OPEN XXXX {$1000.00} XXXX XXXX OPEN XXXX {$1300.00}