davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credit Bureau Collection Services, Inc. (GA)

I live in XXXX. The debt that the debt collectors are trying to collect on is debt from XXXX XXXX. I have not lived in XXXX in over twenty years. Me and my son have the same name and the debt that they 're trying to collect on is my son 's debt. I have stated this to them and I have also told them that me and my son at this current moment do not have any contact with one another but they are still calling and trying to send documents to my home to collect this debt.
Consumer complaint received 2021-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (GA)

Credit card issued by Citi Bank ( last 4 digits are XXXX ) Since XX/XX/XXXX, I've been using Citi Mastercard, and I never had a single late payment, consistently paid the balance in full at the end of every statement. 

All of a sudden on XX/XX/XXXX, the account was closed for no reason. When I contacted the Citi card customer service ( XXXX ), I was told reason could not be given, as I had to wait until I receive the letter in mail. 

I received the letter on XX/XX/XXXX, and called the customer service again. Spoke with XXXX, who could not provide me any reasons. Escalated the call to her supervisor XXXX XXXX Team # XXXX ), and she could not provide me any reasons on why the account was closed ... she thought it could be due to my credit report, and I told her about my excellent credit history ( and I've never had any late payment in the last 15+ years with any other credit card ). 

Unfortunately when Citi closed my credit card, the account has a cash rewards of {$2500.00}. I was told by Citi customer rep, since the account was close, that I would not be able to get the cash rewards that were accumulated in my account. 

I'm requesting CFPB to investigate my issue, and request Citi to issue my cash rewards that were due to me
Consumer complaint received 2019-06-13
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. (VA)

Transunion is still showing the current balance as {$220.00} which in turn is affecting my credit report evidenced by the fact that when I simulate my credit score and try and pay off {$220.00} the credit score changes to XXXX! See relevant Transunion page below Account Number XXXXXXXX  Condition Open Responsibility Individual Current Balance XXXX Original Balance XXXX Limit XXXX   Monthly Payment 55 Last Payment XX/XX/2019 Status OK Loan Term 0 Loan Type Credit Card Opened XX/XX/2019 Reported XX/XX/2019 Remarks Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX  XXXX , NY XXXX Phone # : XXXX
Consumer complaint received 2020-09-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. ()

Franklin Collection contacted us by phone about a debt we supposedly owe to XXXX XXXX XXXX in XXXX  XXXX. The amount, they said, was {$1200.00}. However, we paid the bill to XXXX XXXX XXXX in FULL XX/XX/2019. Upon receiving the call from Franklin Collection, we contacted XXXX XXXX XXXX to tell them we paid and we have poof of payment. However, XXXX XXXX XXXX confirmed we paid and that there is no account for debt. We informed me that we have been contacted by Franklin, they said not only they have never referred our account to collection, but that they do not work with Franklin Collection. They work with XXXX XXXX XXXX XXXX XXXX When we informed Franklin, they threatened to ruin our credit history. Please verify this information with XXXX XXXX XXXX that we only used once in our life time. XXXX XXXX XXXX XXXX. We will also be happy to provide proof of payment. 

We demand that Franklin Collection cease and desist. Thank you.
Consumer complaint received 2019-04-12
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

After sending information to verify myself with my disputes by means of a Credit Repair Organization, Equifax has failed to respond to my disputes ( dated XX/XX/XXXX & XX/XX/XXXX ) of issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below Accounts XXXX  XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XX/XX/XXXX {$0.00} not mine XXXX XX/XX/XXXX {$300.00} not mine
Consumer complaint received 2019-06-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

Law Office of Mitchell D. Bluhm & Associates reported a derogatory account in my credit report from XXXX XXXX HOSPITAL for the amount of {$730.00} without any forewarning notification. 
Last time I went to XXXX XXXX hospital was 12 years ago and I paid all services provided through my insurance and co pays. 

This is a fraudulent attempt to collect a false balance as a derogatory debt. You must be desperate for money if you are attempting to collect on 12 year old accounts. 
No other data was given in my credit report except for a balance and Original Provider name. How illegitimate can you possibly be?

Law Office of Mitchell D. Bluhm & Associates has a long history of fraudulent activity reported in the Better Business Bureau with hundreds of victims. 

Here is the information to Mitchell D. Bluhm & Associates : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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.

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 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to file a formal complaint regarding inaccurate information on my credit report that I reported to TransUnion. Unfortunately, despite my initial contact on XX/XX/XXXX, I have not received any response from TransUnion regarding the disputed information. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 

Below are the details of the inaccurate information and the requested corrections : 1. Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} XXXX. Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$9200.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$550.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} XXXX. Account Name : XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX High Credit : {$690.00} XXXX. Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1100.00} The above accounts were never late, contrary to the information on my credit report. I kindly request TransUnion to correct/update this inaccurate information on my credit report.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (NJ)

After reviewing my credit report from XX/XX/XXXX, XX/XX/XXXX I noticed that the report has credit inquiries that I did not authorize. I sent two letters to XXXX because I previously disputed these inquiries stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or DELETE the following inquires highlighted in yellow : Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
XXXX from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

I asked that these inquires be verified and proof be sent to me, they have failed to send me proof on both occasions and I have not received any proof.
Consumer complaint received 2023-07-12
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. (FL)

HELLO MY IS XXXX XXXX XXXX XXXX AND I AM MAKING THIS COMPLAINT BECAUSE I HAVE TRIED MULTIPLE TIMES TO DELETE THIS INFORMATION FROM THIS ACCOUNT FROM MY CREDIT INFORMATION, SINCE I WAS NOT THE ONE WHO APPLIED FOR THIS ACCOUNT, MY PERSONAL INFORMATION, FOR EXAMPLE THE ID AND SOCIAL SECURITY WERE STOLEN, THEY WERE USED TO OPEN MULTIPLE ACCOUNTS FRAUDULENTLY, ONE OF THE BANKS AFFECTED WAS THE CARD ( XXXX XXXX ) WHICH CURRENTLY HAS A BALANCE OF {$5200.00} THAT WAS OPENED AS FRAUD, I DEMAND TO DELETE THAT ACCOUNT FROM MY CREDIT REPORT, I MADE AN IDENTITY REPORT ADDING THIS ACCOUNT TO THE IDENTITY THEFT REPORT SO IT CAN BE REMOVED FROM MY CREDIT REPORT THANKS
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VW Credit, Inc (FL)

I had a joint auto lease through VW Credit , Inc. with my husband that ended in 2017. The lease shows on both of our credit reports with XXXX  a balance of {$17000.00}. The other credit reporting agencies show the account properly with an {$0.00} balance. I have reached out multiple times to VW with a promise of an resolution & to this day nothing has been resolved.
Consumer complaint received 2020-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FC HoldCo LLC (TX)

This complaint is regarding Flagship Credit Acceptance. In XX/XX/XXXX we had our XXXX year old daughter XXXX XXXX from a XXXX XXXX, in XX/XX/XXXX we had our oldest daughter XXXX years old go to sleep and and not wake up, died from XXXX   XXXX XXXX. This year in XXXX we had our XXXX year old grandson XXXX XXXX on the basketball court from a XXXX. We have buried XXXX children in the last 14 years. We asked that Flagship put a payment to the back of our loan so that we could bury our daughter who had no insurance. Flagship said they would and did not when we found out until the next month that they didn't do what they said they were going to do. It took Flagship 2months to do the paperwork, when it finally made the payment now they showed me 30 late. Due to the other deaths in our family we have asked them to do the same thing and again got the same results. We are caught up, but not 30 days late around 25 days late. Every week for the last two months I have been getting several phone calls per week, but yesterday XX/XX/XXXX I received 7 phone calls from flagship including a call at XXXX XXXX. This to me is harassment and I want it to STOP.
Consumer complaint received 2020-09-24
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: REGIONS FINANCIAL CORPORATION (GA)

Hello, On Saturday morning, XX/XX/XXXX, near XXXX XXXX, I called an XXXX  to go home. I was waiting for my XXXX  outside the XXXX  XXXX in XXXX when I hoped into a car who claimed to be XXXX. It was very late at night so I didn't recognize. Once the trip started, I found out it wasn't my XXXX. The lady said she made a mistake. I immediately cancelled my XXXX  through my phone. She said I could pay her by using the credit card processing machine in her car. I said yes and input my card and entered my pin. She saw me putting in my pin number. She looked at the machine and said the transaction didn't go through. However, she said she feels bad for wrongly picking me up and causing me to miss my XXXX. 

Everything was fine until on Sunday, XX/XX/XXXX, afternoon, I checked my wallet and it did not have my debit card. I panicked and checked my bank statement. There were 4 fraudulent transactions that had occurred. One at a XXXX XXXX ATM ( not my bank ) for {$800.00}, one at XXXX for {$330.00}, one at XXXX for {$300.00}, one at XXXX for {$330.00}. 

My bank, Regions Bank, has denied my dispute twice despite me filing a police report. They have even gone on to said they won't look at the CCTV footage and if the police were to provide it for them, they wouldn't consider it since my PIN was used. They claim since my pin was used, I am liable. They are not considering my PIN is compromised.In short, they are saying a PIN can never be stolen. They are saying there is no such thing as PIN fraud. I am deeply angered and hurt that my heard earned money is not being refunded to me by the institution that promises to safe guard it. Please help me get my funds back.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (NJ)

On the XXXX XXXX XXXX Monday afternoon I stopped at wellfargo bank ATM on XXXX XXXX XXXX XXXX XXXX and because I have two XXXX in the car I sent my XXXX to withdraw and I parked where I was able to see him at the bank lobby he withdrew {$140.00} from the checking account and later in the day like past XXXX  I noticed a check of {$830.00} was deposited into my account and {$800.00} withdrawn. 
I never got any check from anyone neither did I make the withdrawal and on the XXXX of XXXX been the next day I called the bank and filled a complaint and they never called back with any resolution till I called back today XXXX and they told me that the closed the claim because they cant pay! So how can I defraud my self?? 
Who owns the check? 
Who withdrew the {$800.00} Where is the footage of the person that deposited the check? 
Please I need answers, how can my salary disappear from my bank?
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CA)

I have not been able to use my card since around XX/XX/2022. When I call the Customer Service number I am unable to speak to anyone. I am either on hold for an excessive amount of time ( over an hour then I hung up ) OR a recorded message reports a high call volume with extended wait times OR suggests that you call back at a later time due to a high call volume..
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 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 XXXXXX/XX/XXXX has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions,
Consumer complaint received 2022-08-17
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. (CA)

I am writing to dispute the following items which I believe appearing to be erroneous in my file. These items are having a negative effect on my credit score. Therefore it needs to be verified and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}. 

Also, I would like to request your verification of the aforementioned items. If you can not prove the accounts information to be 100 % precise, please correct or update them right away.
Consumer complaint received 2019-06-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo used deceptive practices throughout the lending process for our home mortgage. 

1 ) They did not tell us about a necessary reserve on the mortgage until we were more than halfway through the building process. 
2 ) They did not tell us the loan rates on the HELOC would be significantly higher than the mortgage, thus causing us to pay more than we otherwise would have had this been one single loan/mortgage. 

My wife and I began building a new home with a building mid-2018. At the beginning of the process, we put money down  with the builder to begin the building process. 
The builder provided a list of recommended lenders - one of  which was Wells Fargo. 

Wells Fargo began the loan application and approval process and delayed the approval process several times. A few months into our building process ( and after we'd provided deposits for the new build ), Wells Fargo came back to us indicating that we would not only need the 20 % down payment for the loan, but would also need months worths of payments in " reserves '' at the time of closing. This was NOT discussed for the first few months - had it been, we would have sought other means to finance our home purchase. 

Wells Fargo 's solution to avoid this reserve was to provide a mortgage for part of the loan and a HELOC ( secured on the home ) for the remainder. At this point, we had no options as the house was mid-way through building and we had money down on the house with the builder. Walking away from the financing or building process would have meant losing close to {$100000.00}.
Consumer complaint received 2023-05-08
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. (GA)

EXPERIAN AND XXXX They are playing games to keep making money by providing NEGATIVE information that's out dated about my credit habits. I requested that they remove said negative accounts that have been paid off for years. Anything short of deleting negatives files is FRAUD in my book.
Consumer complaint received 2020-09-24
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: I.C. System, Inc. (GA)

In XXXX of 2020 I reported to all three credit bureaus and many creditors ( I.C. Systems being one of them ) that several accounts were fraudulently created in my name while I was away. I provided information of who I knew to be responsible along with a police report, FTC report and an intake and release report from the institution I was held in. I.C. Systems received all of this information. An investigation was done and the item was removed from my credit report by XXXX of 2020. On XX/XX/2020, I.C. Systems knowingly re-reported the fraudulent debt to my credit report. When I called for answers, the same day, they expressed that they did not have any of my identifying information such as my date of birth, last four or full social, or a correct address on file. They refused to speak to me any further unless I verified the debt. That same afternoon, I disputed the account with XXXX. I tried to dispute through the IC System website, but it asks me to input personal information they've already admitted to not having. So today, XX/XX/2020 I typed up a credit dispute letter to submit to them directly.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I sent in multiple letters on XXXX XXXX, 2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability