davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
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)

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2018-08-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST NATIONAL BANK OF OMAHA (MI)

My husband and I had credit cards through First National Bank of Omaha in XXXX and XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. I received a judgment from XXXX XXXX XXXX XXXX for my credit card stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to First National Bank of Omaha to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. My account has been garnished repeatedly as well as my children 's savings accounts because my name is on them.
Consumer complaint received 2022-03-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation (IL)

This is my formal complaint against BRIDGECREST CREDIT C : In regards to Acct # XXXX. On XX/XX/2020 this company whom I did not receive financing through, repossessed my vehicle during a global pandemic. They failed to provide me with documentation regarding the repossession as stated in 9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL, 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. I want Bridgecrest to provide a copy of the original sales contract with my signature that states the vehicle was initially financed through their company. BridgeCrest also did not have my written consent to report this account on my consumer reports which is a direct violation PURSUANT TO 15 USC 1692 ( 4 ) THE TERM CREDITOR MEANS ANY PERSON WHO OFFERS OR EXTENDS CREDIT CREATING A DEBT PURSUANT TO 15 USC 1692 ( D THE TERM CREDIT CARD MEANS ANY CARD COUPON BOOK OR OTHER CREDIT DEVICE EXISTING FOR THE PURPOSE OF OBTAINING MONEY PROPERTY, LABOR, OR SERVICES ON CREDIT NOTICE THAT I AM THE CONSUMER IN FACT, THE ORIGINAL CREDITOR PURSUANT TO 15 USC 1692 ( K ) ANY DEBT COLLECTOR WHO FAILS TO COMPLY WITH ANY PROVISION OF THIS SUBCHAPTER ( FDCPA ) WITH RESPECT TO ANY PERSON IS LIABLE TO SUCH PERSON IN AN AMOUNT EQUAL TO THE SUM OF WHICH I SUFFERED NUMEROUS XXXX XXXX, JOB LOSS, AND RUIN MY REPUTATION I DEMAND YOU PAY INVOCIE IN CHECK FOR VIOLATION UNDER THE FAIR DEBT COLLECTION PRACTICES AND PURSUANT TO 15 USC 1692 ( C ) ( C ) CEASE COMMUNICATION WITH ALL REGARDING THIS ACCOUNT AND BLOCK AND ZERO OUT THE BALANCE AMOUNT PLEASE ACT QUICKLY AND PROMPTLY! The credit card used in this matter was my social security card which I did not provide to BRIDGECREST!!! As a result of their failures I want this account DELETED from my consumer reports.
Consumer complaint received 2020-12-16
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. (PA)

On XX/XX/20, I ordered furniture through a remotely working XXXX XXXX furniture rep. I knew my limit was close to the Max because I had just purchased a couch recently and it was. The card would be able to cover roughly {$230.00} and there would be a balance of {$70.00} that I could pay in cash or the rep offered me to increase my limit by {$300.00} to cover the costs. I asked specifically if it was going to hit my credit, because if it didI did NOT want to do it ( as I am in the process of getting inquiries off my report. ) He checked and told me it would not. I was approved for the {$300.00} increase and got my receipt via email. Right away I received a credit monitoring email saying I had a new hard inquiry. When I questioned the rep, he told me he told her 3x on a recorded line that I did NOT want a increase if there was an inquiry and she told him each time it would not put on on my report. He was told that this women had applied for a line of credit rather than an increase. I was told to call XXXX XXXX and they would be able to reverse the increase and remove the inquiry, but when I called, they only said they could file a dispute with the credit bureau.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a 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 ) ( XXXX ) 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 2022-03-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA (TX)

I had a savings account with Marcus which was forcibly closed down by bank on XXXX XX/XX/2022. There was interest accumulated for month of XXXX for amount of {$67.00} which was not paid out to me. 
Upon speaking with agent, I was told that the transaction was paid out to XXXX XXXX and I was provided with below information related to the payout and transaction - Transaction trace number - XXXX ref - XXXX However, there was no amount received on XXXX XXXX side. 
Upon checking with Marcus, I was told that they will investigate and get back to me with resolution and funds will be traced. However, I never received any call back in this regards and I have not received any payout.
Consumer complaint received 2019-03-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (AZ)

I have a derogatory account reporting on my credit that is not mines. I do not recognize this account and neither have I ever opened this account on my behalf. The information being reported is inaccurate and does not match me. I have reason to believe this is a result of an identity theft.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (NY)

In XXXX 2016 our Citibank credit card number was stolen while vacationing in California. On XXXX XXXX, during online bill payment I discovered approximately {$2000.00} in fraudulent charges on my credit card account. That day I contacted Citibank and had them issue a new card number and reported all the fraudulent charges verbally by the date and location as the appeared on my statement. I was told XXXX to ten days and the charges would be removed. Since the initial contact with Citibank on XXXX XXXX, I have now called and spoken with representatives seven times - each time being asked to state all the fraudulent charges. As of late, today on XXXX XXXX I have called them the seventh time and went through the same drill. I 'm beginning to think they are telling me what I want to hear and ultimately these charges will not be removed, which of course will force me into legal action against Citibank. Anything you can do in this matter would be greatly appreciated. I should mention that XXXX of XXXX of the fraudulent charges were credited to my account due to my own initiative. My statement contained the vendors phone number which I was able to call in order to have my account credited.
Consumer complaint received 2022-03-09
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: PLAZA HOME MORTGAGE, INC. (CA)

I have been a client of Plaza Home Loans for more than 4 years. I don't escrow funds with them. I pay for my insurance/taxes out of pocket. In XXXX of 2021, Plaza Home Loans decided to send XXXX XXXX more than {$3000.00} for insurance. I have always paid my policy out of pocket. XXXX XXXX has emailed, mailed and faxed the copy of my proof of insurance many times. Plaza States they haven't recieved it. State Farm Mailed back a check in XXXX to refund the amount they sent. Plaza says it was cashed, then not cashed. XXXX XXXX sent proof of payment via email, fax and mail. NO response. Plaza has sense taken all my monthly payments and applied them to the negative escrow balance from the check they sent to XXXX XXXX. They have sense reported me to the credit agencies for 30 and 60 days late. I have made my monthly payments every month since the start of all of this. They have all my funds and haven't applied them to my payment. XXXX XXXX resent the check with a letter stating errors and omissions that it was their fault and the check was returned. STILL NOTHING. I have put in over 50 hours trying to resolve this over almost 5 months. My credit score was a XXXX and is now XXXX because of this. I have been penalized for NOTHING I did. It wasn't my fault they sent funds and I have been left trying to resolve, have negative credit reporting and have spent more than 50 hours of my work time handling a situation that should never happened. I have talked to hunderds of people at PLAZA and still no resolve.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have sent two letters to Equifax disputing inaccurate information on my credit report. I sent the first letter on XX/XX/2022 and then the next letter on XX/XX/2022. They have failed to respond to either letter or delete the inaccurate information. It is to my understanding according to the XXXX website that they have 30 days to complete an investigation. It also says on the website that if they don't complete the investigation within that time frame, then they must delete the disputed accounts. Well I have given Equifax two opportunities to respond, 70 days in total, and they have not. Therefore, they must delete the disputed accounts mentioned in my letters. I have attached both letters, which are dated.
Consumer complaint received 2022-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CA)

I was contacted on XXXX  by a woman, " XXXX XXXX '', who convinced me to invest into a company called XXXX XXXX XXXX that was trading through a XXXX XXXX XXXX XXXX. I sent my money through Citibank and XXXX XXXX to XXXX and XXXX, converted it into USDT and then withdrew the currency into a wallet on the phony investment company 's website, believing that the trades will result in profits. Instead, the scammers asked me for additional fees with the allegations that I am to pay taxes and consequently they never allowed me to withdraw the money that I invested. 

I realize now how foolish it was of me to fall for the aforementioned scheme. I have taken steps in getting my money back, namely reaching out to my banks for reimbursement, as I do not believe they were diligent enough in monitoring the transactions, nor did they warn me of the dangers of fraud. Citibank has not been cooperative and has replied negatively my demand letters, thus I have decided to submit an official complaint here. 
The sum I tried to dispute Citibank for is XXXX USD.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party.
Consumer complaint received 2019-01-09
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. (NV)

I am a consumer that is privy to the federal guidelines that agencies MUST abide by when dealing with the consumer. I have tried repeatedly to resolve inaccuracies on my personal credit report. I have asked, according to what the law says I'm able to receive for the bureaus to send me 'validated proof ' that some debts I'm questioning are mine. After two request, I have neither received the proper validation or deletion that I should receive ACCORDING TO THE LAW. The credit reporting agency seems to be using computers to validate my requests. How this possible, if I'm asking for wet ink proof with my signature on a contract between me and that company.
Consumer complaint received 2022-03-09
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. (VA)

To Whom it may concern, I recently challenged the validity of AD XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.
Consumer complaint received 2018-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Action Financial Services, LLC (PA)

I was contacted by Action Financial o make arrangements to pay my student loan balance off and told if I did not make arrangements my paycheck would be garnished. I explained that my finances have been devastated over the past 3 years because my husband became very ill. He lost his very good job and we also lost our home. I filled out the financial form and told them that we were already making over {$500.00} in payments to the IRS. I was told that they could not factor the payments we were making to the IRS in the payment arrangements. I asked for a hearing on the matter. in XX/XX/2018. I received a response in a letter dated XX/XX/18 that was postmarked XX/XX/18 that I received on XX/XX/18. The letter stated that I had 15 days from the date of the letter to make arrangements with Action Financial or my paycheck would be garnished at a rate of 15 %. I called Action Financial on XX/XX/18 to make a payment arrangement. They gave me an arrangement of {$310.00} per month and told me I needed to close the deal within a few days. They also told me that the DOE had already contacted my Employer to garnish my wages and they could not explain or understand why. I contacted the DOE on XX/XX/18 or XX/XX/18 and was told that the garnishment could be suspended and my garnished wages returned once Action Finance confirmed my arrangements. I emailed them current pay stubs and a recurring payment form all by XX/XX/18 within the 15 days. When I kept pressing Action Financial for how they payments were going to be handled since there was the garnishment and now the recurring payment that would be taken from my account and paychecks. I kept getting vague answers from both Action Financial and the DOE about how the suspension of the garnishment would occur and only the payment arrangements would be deducted. I was promised on XX/XX/18 that I would get a return call detailing with certainty how this would occur. I never got a return call and I called several times since them and kept being told that the team assigned to my case are unavailable and would call me back. I am so afraid that they garnishment of {$350.00} from each biweekly paycheck will continue and the recurring payment of {$310.00} per month from the payment agreement will also be taken. I feel like I am being set up to take all these payments and not allowing me the process they promised me in the letter. And the DOE keeps sending me to Action Financial and Action Financial is acting like they don't really understand how this could happen. They will bankrupt me and cause me to lose even more. My husband 's medical expenses cost us a lot each month and now with this I don't know what I can do. These are some of the worst tactics I have ever seen and it is not fair. I am getting sick trying to deal with this situation and my husband 's illness. I don't understand how they could be so heartless.
Consumer complaint received 2018-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Financial Credit Service, Inc. (AL)

Today, I received a collection letter for a debt that was discharged by Judge XXXX, in XXXX, Alabama, around XX/XX/1987. I will have to say they have very long memories but I definitely remember this event because it was a terrible memory in my life, and now, 31 years later some of this debt has resurfaced again after it has long since been forgiven by the Bankruptcy Court.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I submitted two complaints to XXXX XXXX XXXX and trans union LLC. 

My transunion credit report is showing inaccurate information, it says I have a payment over thirty days late in XXXX of XXXX. This was the response I received from XXXX. 

In their complaint, XXXX XXXX XXXX states a credit bureau is showing a late payment for her XXXX XXXX XXXX ( XXXX ) account in XXXX. XXXX XXXX requests the late payment be removed from her credit report. While XXXX is sensitive to the concerns of XXXX XXXX, it appears there may be some confusion as to the accuracy of the credit reporting for her accounts. XXXX has reviewed the account of XXXX XXXX and believes the reporting is accurate. XXXX has reviewed the credit reporting for XXXX XXXX account with XXXX, XXXX and TransUnion, none of which are reflecting any late payments on the credit reporting for her account. Should XXXX XXXX have a credit report from one of these credit bureaus showing otherwise, she may provide a copy to XXXX, who will then re-open their investigation However transunion investigation on XX/XX/XXXX came back with something totally different. They said I have a late payment which is inaccurate I was never late.
Consumer complaint received 2020-12-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On my XXXX  report there is a closed account with huge amount of missed payments. BANK OF AMERICA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.