davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-10
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. (GA)

XXXX XXXX I have no knowledge of this account XXXX XXXX XXXX XXXX XXXX This account is involved in litigation I have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhadt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist.
Consumer complaint received 2021-12-05
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: CITIBANK, N.A. (CA)

I have used a CITI bank XXXX XXXX XXXX  card for the past 35 years. I have used the card because I am XXXX and XXXX. I have to travel with an XXXX The advantage miles allow me to purchase XXXX seats for me and my XXXX 

I have used the card twice in the past 35 years in order to attend XXXX XXXX. I am XXXX XXXX XXXX and can not travel XXXX 

When I contacted the XXXX XXXX service on XX/XX/2021, I was told that XXXX points had been used for a trip to the XXXX in XXXX, 2021. II told them that this was fraud. I have never authorized anyone to use the card and my name is the only name on the account. They put me on HOLD for 77 minutes.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On the morning of XX/XX/2019, I visited the TransUnion website to pull my credit score. I have never used TransUnion and do not have an account with them. I had done similar with XXXX the evening before. 

As part of the account setup process, there was a request for my credit card. I thought this was odd, and scrolled back up to see if there were any references to fees or services. I did not see any and so assumed they were seeking to have a number on file in the event that I opted for any services once my account had been setup ( XXXX offers a number of paid services from within the account ). Inside the site, I did not see any references to fees though I did see services that looked as if they would require a fee if I were to request them. At no point did receive a confirmation of requesting a services for which there would be billing nor even see a notification of price for a service. 


Under my profile tab, I noticed a number of boxes agreeing to promotional emails, which I unchecked. I also saw a box to opt into receiving text messages whenever my a request to access my credit was received, which I checked. This prompted a request to enter my cell phone number and an instruction that I would receive a code to confirm. Within moments, I received a confirmation code as well as an email. Within the text of that email was a reference to a XXXX fee and confirmation of enrollment in a monthly subscription fee of the same amount for ongoing credit monitoring. 


That email was the first reference I had seen anywhere to a service fee. To their credit, I was able to get the company to refund the money after a period of time on hold. All the same, the manner of the whole thing left me with a bad taste. Even XXXX 's buy-now buttons make it explicitly clear that you are entering into a transaction. 


TransUnion 's practices around opening accounts for credit monitoring deserve regulatory scrutiny. The company may have set it right, but even then the customer service rep noted they were granting a one time " exception '' and that it would be a number of business days before a refund could be processes for a transaction that had been process minutes before. I believe TransUnion has deliberately attempted to trick consumers into signing up -- if that term can even be accurate where there is no meeting of the minds -- for their services. This places the onus on the consumer to unwind the transaction. A shifting of the burden. Consumers should not be backed into service agreements, particularly not by a credit monitoring service from a company that profits by trafficking in their information.
Consumer complaint received 2021-12-05
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. (PA)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/24, I received a credit alert from my bank that my Trans Union credit score changed. Since I pay monthly for credit monitoring with Trans Union, I logged into the Trans Union member website to check my credit score. To my surprise, my credit score dropped a devastating XXXX points overnight from XXXX to XXXX!! 

I reviewed my credit report and no changes had taken place, no new accounts, no new inquiries and I had received no alerts from Trans Union 's credit monitoring service. There is absolutely no derogatory information on my Trans Union credit report or any new actions that would warrant an XXXX decrease in my credit score. 

I called Trans Union and spoke with a representative who also reviewed my credit report and felt the XXXX point drop in my credit score was unjustified by any data that is actually on my credit report. The representative advised she was escalating the matter to management and read her report back to me which included all details. She advised I should hear from a manager within 24-48 hours and to date, I have not heard from anyone since my call with her this month. 

This has happened on more than one occasion with Trans Union and they are unable to justify it. I am concerned about possible racial profiling whereby Trans Union may very well have an algorithm set that intermittently, unjustifiable and illegally issues a subpar credit score to non-white Americans. Either way, there is something going on with my account which Trans Union has not corrected to ensure this error does not continue to happen and impede my chances to obtain additional credit on terms that my credit history warrants.
Consumer complaint received 2024-05-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants Adjustment Service, Inc. (KS)

In XX/XX/XXXX, I filed a complaint the CFPB about Merchants Adjustment Service regarding debt collection for a debt that is the result of identity theft ( complaint number XXXX ). 

MAS even provided proof of the result of identity theft by providing a copy of the ID that was stolen. I provided MAS with an FTC Identity Theft Affidavit as well as a demand for proof of their full investigation into the identity theft as required by federal law. 

MAS has not provided the required documentation and has again sent a demand letter for the debt attempting to restart the debt collection efforts without abiding by federal law. 

I have notified MAS multiple times that this account is the result of identity theft yet they continue to re-attempt collection efforts in violation of this statute : " If a CRA notifies you that information you furnished is being blocked on a consumer 's credit report because of identity theft, you must have procedures to prevent the re-reporting of the information. FCRA 623 ( a ) ( 6 ) ( A ) '' MAS has sent me another letter dated XX/XX/XXXX, Reference : XXXX, demanding a response by XX/XX/XXXX. This is my response : a continued statement that this balance and account is the result of identity theft and stolen ID.
Consumer complaint received 2022-06-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Adjustment Company Incorporated (TX)

Consumer Adjustment Company Inc. ( CACI ) is using illegal debt collection tactics to try and collect debts that were previously disputed with credit bureaus and DELETED. They have constantly disregarded the consumer credit reporting act that clearly states they can not add the item back unless more documents are provided and I am notified. They haven't done either of them. On XXXX I have had them deleted over 3 times in the five months and I've lost count before that. dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX switched to XXXX i found out after they were gone after in 20 states by federal gov. and settlements was done which I was not aware of. They have caused my credit score to drop over XXXX points. probably more than that. I just noticed this in the recent week it dropped over XXXX points. They are not reporting my payments made under the modification plan. I have been making payments. They have bumped up the balance a few XXXX just switching from XXXX to XXXX and it is the same company. I am not liable for this. then the inspection fees were XXXX they have gone back and changed it on statements. now saying XXXX dollars. Beginning of XXXX they charged me over XXXX times in one day several days. up to almost XXXX dollars. It is much more they have done. I have to have a car to work, I can not even trade my car now. because of them. They have not even applied the money I have paid now saying I owe XXXX. I do not. Please tell me what all I can do to make them put this right. and why were other customers in the twenty states not made aware of the federal gov going after them??? MY principal balance has not moved hardly being with them. others have the same has happened to them. Please tell me what I can do.
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

on XX/XX/2021 the Bank of America received my XXXX Social Security Check and deposited it in an account that I had already closed. I went to the branch 5 times in the last month trying to get my refund since social security is my only means of income. At the last 3 visits I was told the after the bank closed my account I would receive my final statement and a cashiers check refund.. I received my statement around XX/XX/XXXX but there was no check. Subsequently I received a letter saying I would receive a cashier 's check for the balance, but never have. Many of my normal monthly expenses have been shut off for lack of payment and I have been charged late fees. 
this has caused me undo stress. 
As of today XX/XX/XXXX, i still have not received my refund. 

I have found several sites which state that this is illegal and that the BOA should never deposited my check since I no longer had an account. Moreover, Government checks issued to a payee must be given to the payee within 1 business day. I need my money.
Consumer complaint received 2021-04-03
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. (VA)

I was going over my credit report and there is XXXX XXXX XXXX which was opened on XX/XX/2018 and it is reporting as a negative account. I do not know this company. I have never done any business with them and they do not have a contract with my signature.
Consumer complaint received 2019-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (NJ)

Dear I.Q. Data International, Inc. : We communicated the CFPB Case Number : XXXX ; I.Q. Data Internatl Reference : XXXX already but given : -- your response to the Case dated XX/XX/XXXX and signed by XXXX XXXX Quality Control Assistant, I.Q. Data International, Inc. 
-- your letter from XX/XX/XXXX signed by the " Account Representative '' ( attached ) -- my email response to your letter dated XX/XX/XXXX from : XXXX XXXX <XXXX ( at ) XXXX ( dot ) com> to : XXXX date : XX/XX/XXXX, XXXX XXXX I urge you to immediately remove the negative report to the Credit Agency given : a ) you did, even if unintentionally given your client 's practice, violated my rights granted by the Fair Debt Collection Practices Act by not providing me with the debt validation letter, or any sort of communication, on time b ) you notified me that your " delinquency '' report to Credit Report ( s ) will be put in the " disputed '' status which is also wrong because c ) you have finally sent me an opportunity to require " debt validation '' in your letter dated XX/XX/XXXX which gives me ( us ) 30 days to resolve this issue. 

Hence, you could NOT HAVE reported me to the credit report, and my account with the alleged debt for we have until XX/XX/XXXX to settle and resolve this issue.
Consumer complaint received 2024-05-12
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION ()

In XX/XX/XXXX ( XXXX ) I got an e-mail from XXXXXXXX XXXX XXXX XXXX saying my order was shipped and needed someone to sign it. It happens that I don't have a subscription to this website. I subscribed ONCE to try when they had a sale and canceled right after that. 

Right after this e-mail, I e-mailed the XXXX XXXXXXXX support and informed them they were wrong about shipping me wine because I didn't have a subscription with them. I also checked my Bank of America credit card, which was LOCKED because I hadn't used it for months, and there was a charge for the wines, even tho the card was locked. 

The XXXX XXXX support said they couldn't refund me the total amount, they could try to refund me but deducting XXXX XXXX  for the fees. Of course, I didn't want it. I don't wan na pay any fee for something I didn't subscribe to. 

I filled a claim on the Bank of America app and, after long weeks of waiting, I got my claim denied by the bank. 

Now, when I checked the XXXX XXXX  website, it even says the wine was delivered to me, which is a lie. 

I'm not in the XXXX since XXXX XXXX XXXX and I can prove it. 
It's impossible for the wine to be delivered to me. I requested again XXXX XXXX  to refund me and to prove they delivered me any wine, but they haven't replied me yet.
Consumer complaint received 2018-04-09
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. (MO)

XXXX XXXX XXXX XXXX, XXXX ran my credit/processed an application for an auto lease that I didn't approve or authorize. I visited a car dealer in XX/XX/2018 to shop for auto leases. I did not allow for a lease application to be put through, as I did not select a vehicle or finalize any part of a lease transaction. XXXX XXXX XXXX ran an unauthorized application for an auto lease without my permission. The report should not have even been run, as my credit is frozen. I want all records of this credit application removed from my credit history.
Consumer complaint received 2018-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION (FL)

in XXXX account had garnishment on my personal checking account the XXXX dollars was never dispersed the account was closed and over 13 years the bank has taken a XXXX dollar monthly maintenance fee in XX/XX/XXXX i received a letter stating since there has been no activity they would transfer funds now XXXX to unclaimed property i called to claim the funds rather then claim funds from unclaimed and all i get is statements
Consumer complaint received 2019-08-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I am receiving repeated call from Portfolio Recovery. They are call from various numbers, don't leave any messages, and are calling on Sundays. I have sent the collection agency a cease and deist letter. This debt has been written off by the original creditor XXXX XXXX XXXX XXXX XXXX and was purchase by Portfolio Recovery. I do not have an agreement with this company.
Consumer complaint received 2019-08-25
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. (CA)

Equifax credit reporting agency refuses to remove 3 fraudulent inquiries from my credit report. 

XXXX XXXX/ XXXXvisa - XX/XX/2019 They removed fraudulent account but they are refusing to remove inquiry. 

XXXX/XXXX  - XX/XX/19 XXXX XXXX send a letter to equifax To remove fraudulent account and inquiry. 
Although equifax removed account, they refuse to remove inquiry. 


XXXX XXXX XXXX XXXX - XX/XX/2019
Consumer complaint received 2018-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

I first noticed 90-day delinquency on my credit report- reported on XX/XX/XXXX for XX/XX/XXXX. I paid the past due balance on XX/XX/XXXX to quickly remedy the issue and prevent any more delinquency reporting to my credit. I called customer service several times after making the payment to understand how this was the case. After a couple weeks of reviewing email communication ( they never mail me anything ) and comparing it to the correspondence uploaded onto my online Navient account. There are SEVERAL documents that they are claiming that they have sent to my address, but I can assure these documents were neither mailed, nor emailed to me. The uploaded documents only show that a letter was generated, but does not show any proof that it was truly mailed. One document I was specifically looking for was a notice that my deferment was ending. My deferment was approved until XXXX, I did not receive any correspondence stating the deferment has ended sooner than XXXX.
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions (FL)

To whom this may concern, I have a collections account in the amount of {$2000.00} on my XXXX credit report. I spoke with the company to try and get the collection resolved and let them know that I had no association with the address that they are trying to tell me I owe money about. I reached out to XXXX to dispute the collection and also told them that I have no knowledge of the collection. The address that is associated with the collection account I have no previous knowledge of. The creditor " rent recovery solutions '' continues to call me 2-3 times a week from the same area code to collect on the account.
Consumer complaint received 2021-12-05
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: TD BANK US HOLDING COMPANY (NJ)

I have a revolving account for {$2500.00} opened XX/XX/2006 that dispite all my efforts remains on my XXXX credit report when it is now XXXX years old ( statue in NJ/ ) is XXXX  years and it was part of a fully successful bankruptcy discharge. The account is listed as TD Bank.
Consumer complaint received 2018-04-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (CA)

I took out a HELOC with Suntrust Mortgage in XX/XX/XXXX. After the Crash, I had to file a Ch XXXX BK in XX/XX/XXXX. Then I did a Loan Mod with my first XXXX XXXX in XX/XX/XXXX. I went back to Suntrust in XX/XX/XXXX to find out my Balance as I was going to give it to my Attorney to start the process of having that lien discharged,  voided or scrubbed. Whatever you call it. 
Suntrust told me back then that I owed them nothing as the loan balance was XXXX. 
They lacked total candor and hid a lot of things from me so I could not do what I had the legal right to do. 
Now I am selling my home and they want to take all my proceeds to line their greedy pockets and ruin my retirement. 
This is WRONG, DIRTY and UNSCRUPULOUS what they did to me. 

I NEED YOUR HELP PLEASE. 
PLEASE READ MY FULL COMPLAINT.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (GA)

Problem is the Experian incident just reported. Just notified by you that their investigation has been completed although incorrect info is still on report. This is after their being notified by me at least twice with supporting documentation and by the company involved at least once. Since this seemingly lack of serious investigation by this reporting agency can not be unique to my situation and this behavior does impact an individual 's ability to make decisions that are not negativity impacting them, I am going to look into the possibility of initiating a class action suit.
Consumer complaint received 2021-12-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (IL)

XXXX and XXXX shows my account as being under dispute which means Credit Acceptance has received a notice of dispute from me the consumer/natural person. Pursuant 15 USC 1666a Regulation of credit reports, a creditor is not allowed to directly or indirectly threaten to report to any person adversely. Credit Acceptance list me as 30/60/90/120 days late on numerous accounts during disputes. Ignoring federal law.. 

Pursuant to 15 USC 1605 Determination of finance charge, the finance charge is the sum of all charges. Meaning Credit Acceptance was already paid for the vehicle so there should be no late payments or reporting of late payments. 

Also I was never notified of 15 USC 1635 Right of rescission as to certain transactions that violation terminates alleged contract..