davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-09
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ability Recovery Services, LLC (TX)

I went to buy a car at dealer from a very good friend and in the middle of the process he ask if i was ok and i ask what do you mean? He said looking at my Credit report he can see i went to XXXXXXXX XXXX  This is not acceptable! with do respect i should be protected under Hippa or At least notes explaining that Im ok and don't have any type of XXXX. I have disputed this with all three credit reporting agencies and called creditor and they laughed. This should be removed or at least re worded to unknown.
Consumer complaint received 2019-04-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (IN)

I have a collection from XXXX XXXX XXXX for {$960.00} from XXXX XXXX XXXX. I do not use this hospital. Ive never received a bill or a call in regards to this bill. Called this collection company and can not get ahold of anyone. I have been repairing my credit for awhile and pay on all of bills. I am trying to purchase home for my children and I want to remove this. I have been trying to reach someone for over a month.
Consumer complaint received 2023-07-26
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2019-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

When I checked my credit report on XXXX XXXX, it showed that I had 2 derogatory remarks from unpaid medical bills totaling less than {$400.00}. I learned my debt from XXXX was sold to Trans World Systems. The 2 unpaid bills were from XX/XX/XXXX and XX/XX/XXXX. 

I called TransWorld in XX/XX/XXXX, and asked about the debt I owed they said I have no outstanding debt with them. I told them my credit report shows otherwise. Then went in to say I had nine ... wait no, five accounts, wait ... I think theres just three? ... I was a little unsettled about the fact that they were so unsure about the debt accounts and amount owed I asked them to send me verification of the debt. They said I would receive it in the mail in 10-14 business days. I never received anything in the mail. 

On XX/XX/XXXX I called TransWorld again, this time I was prepared to just pay any debt just to get it off my report. Only, once again, they couldnt tell me how much I owed and what accounts were mine. I asked they just send me something in the mail that says if you pay $ $ $ then, we will take these marks off of your credit report ... they countered with if you pay $ $ $ then well send something that says well take it off of your credit report. How do I know what I owe?! They dont even know what I owe! They said they would send me verification in 10-14 business days. I said you told me that last time and I never received anything ... they told me they had no record of me ever calling. This didnt surprise me. Good thing I didnt pay them money in a promise Id receive something in the mail saying it was off my credit, because it seems they never send mail at all. Its now been over a month since I spoke to them on the phone ... I still have yet to receive anything in the mail.
Consumer complaint received 2019-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Duplicate of prior complaint that TU has not resolved. In XX/XX/2018 a  lender made an error in processing a payment and reported us 30 days past due. After the error was discovered and cleared up, the lender submitted updates to change that payment status. TransUnion for some reason processed this as a second account from this lender with the same account number, one appearing with the past due from XX/XX/XXXXand the other showing the correct payment history. This has been disputed with TU multiple times. Each time, they correct the issue, and then the duplicate account appears again. This does not happen with any of the other credit bureaus. This results in a late payment appearing, along with the outstanding balance and monthly payment due being double-counted. I have submitted yet another dispute with TU, but believe this needs to be escalated so that they can fix whatever problem they have processing this particular account.
Consumer complaint received 2023-09-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

I received a text message to my cell from an email XXXX stating it was a co worker XXXX XXXX and she was stuck at the gas station and needed {$20.00} if I could spare it. I thought nothing of it because this person knew we worked together and even knew my name. I sent the {$20.00} through XXXX and she said I will send you the money back in 10mins. I received another text from XXXX stating XXXX XXXX has sent you {$200.00} and will be deposited tomorrow to card ending in XXXX ( they had my card ) so I believed it and sent {$180.00} since I thought it was an over payment, which I have done before. Today I decided to reach out to my co worker just to confirm because I did not see the money deposited and found out she never reached out to me.
Consumer complaint received 2023-07-26
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX CT XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$670.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX : {$9400.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$930.00}, XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-09-16
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2019-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
Consumer complaint received 2019-09-17
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: Dyck-O'Neal, Inc. (TX)

I have a loan with DYCK ONEAL. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX and XXXX  with no successful resolution. There was definitely an error on their part. I was never late.
Consumer complaint received 2019-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (GA)

I reached out to Citibank 's dispute department regarding unauthorized transactions that originated from a dormant XXXX account. XXXX conducted an investigation and confirmed unauthorized account access for XXXX transactions in another country. 

These unauthorized transactions ( about 10 separate transactions totaling over {$600.00} ) caused my Citi checking account to overdraft, thus causing an NSF fee per transaction. 

XXXX reversed the transactions, but due to the negative fraudulent Citi  balance, my credit was offset. 

I filed fraud with Citi, spoke to numerous supervisors and was assured that they would reverse all fees and fraudulent transactions, as they confirmed with XXXX the unauthorized activity. 

About a month went by and I hadn't heard any update, so I called around XX/XX/2018 to check the status. I was informed that my checking account had been closed due to negative balance. I escalated to a supervisor, who confirmed that the actions that were supposed to be taken on the account were not completed. 

This supervisor assured me that I would receive my refund via check within a few weeks, and assured me that she would fully notate the account. 

I honestly forgot about the refund until recently. I called customer service and apparently they have no notations of any of my calls, or any records of disputes being filed. 

They are saying that since my account is closed, there is nothing that they can do. 

I requested for my previous calls to be reviewed, as numerous supervisors confirmed that I would be reimbursed. 

I am highly disappointed by how this situation was handled. My account was erroneously closed because of a negative balance that was due to fraud. Also, supervisors offered assurance that the issue was rectified, but now apparently the hours I spent on the phone were in vain, as there is no trace of my contact. 

I am requesting my previous calls to be reviewed, and for my amount to be reimbursed, as this is a breach of verbal contract made by the supervisors on behalf of the institution. Please review.
Consumer complaint received 2019-04-06
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. (ND)

On XX/XX/XXXX I became aware of a fraudulent inquiry on my credit report from XXXX. The company have wrote me informing me that they would remove the inquiry and they even informed me that the credit card application was not in my name. Equifax was also notify about this and I have file several disputes through them about this inquiry. They have a copy of the letter that XXXX sent me and even sent me a letter saying that the inquiry would be removed. It is now XXXX and I am frustrated with these companies. I did not apply for any credit card through XXXX and this company is aware of this and said would fix this problem and no one has fixed this problem
Consumer complaint received 2019-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hi, I found three suspect transactions posted on my boa credit card account on XX/XX/XXXX. They were XXXX {$770.00} onXX/XX/XXXXXXXX XXXX {$1000.00} on XX/XX/XXXX and {$1000.00} onXX/XX/XXXX. 
I reported them to the BOA fraud department right away by walking to the local BOA branch and asking a banker for help. During the phone call, I stated that I didn't recognize those transactions, and I have never been shopping on those stores. And then I was issued a new credit card with new numbers on it which will be mailed to me in a few days. The old credit card has been closed then. XX/XX/XXXX, those amounts listed above was credited back to my account, but bad thing happened to me again. XXXX {$84.00} on XX/XX/XXXX. It was ridiculous. My old credit card was closed, and I haven't gotten my new one yet. But somebody still kept using my information to do fraud, and it seems BOA did nothing. I called again, and got credit back again. XX/XX/XXXX, BOA informed me that my claim was denied because the credit card I had is a chip card, and those four transactions were all card presented. So those four transactions has been posted on my account again. It was a blow.BOA believed a chip card couldn't be copied. But the fact is the chip card can be copied. According to XXXX XXXX, Chip card cloned was happening in XXXX in XXXX. My case may be first chip card cloned case in USA, but never be the last one. What I did is to help BOA fighting the fraud. I am honest enough to tell the truth that my credit card was kept in my wallet all the time. Then I got into the trouble that I had to tell BOA how those crooks did the fraud. This is totally no my liability and totally out of my ability. all I know is my card is in my wallet, I never used my card shopping on those stores, and I was working on an XXXX restaurant during those transactions happened, my boss can be my witness. I kept contacting BOA on XX/XX/XXXX. They opened my claim again to do more investigation which is good. But I was told if I can't prove myself then the result will be same that means I have to pay these {$3000.00}. When I asked the guy on the phone from BOA that why I have to prove myself but not those stores. I got no answer. I felt BOA treating people differently, just because they are big companies, and I am only one person? BOA ads " worry free, zero liability '' are totally not true.
Consumer complaint received 2022-06-10
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: EQUIFAX, INC. (PA)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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 1681 A Section 4 : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: South Carolina State Housing Finance and Development Authority (SC)

I have submitted about 3-4 disputes to XXXX and XXXX in regards to my account ( South Carolina State Housing ) reporting incorrect information on my credit, which has hurt my ability to get financing etc. XXXX removed the remarks from my account and is currently 65 points higher than XXXX. We set up automatic payments with state housing, but there employee failed to actually set it up in there system. The only way we found out that the account was showing late was because I checked my credit report. What was insane is that state housing never reached out to me to see if anything was going on, but it was too late once I realized it had damaged my credit severely ( dropped over 100 points! ) Once we saw that they werent taking out payments, like we scheduled, we made the payment on the past due amount. Since then the reporting has still been inaccurate after we have made payments and continues to damage my credit! I have been fighting against this injustice from this company for a year or longer and just recently paid them off in full because of the major hassle it is dealing with them ( my  account still shows late and we owe a balance ) SC State Housing and XXXX continue to report inaccurate information on my account
Consumer complaint received 2018-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I have never had a non payment on my credit report ever 30 years now I have had credit cards I have tried to get one and only non payment taken off from a bank of America card problem XX/XX/XXXX I  submitted to them I would like to have the nonpayment taken off credit report they take info down and tell me to check back in 30 days each time I call them it's the same story can not find info on this so we submitted again I have done this 3 times now.. what the non payment is I did not receive the statement in XXXX And Then in XXXX wrote check mail it they said never did receive it thats when they report it on my credit report as nonpayment they our never going to try and fix this because each time I call them it's like it's never been submitted so we do it all over again .... this is a bank of America credit card any help would be great tks ... ... XXXX XXXX XXXX XXXX XXXX XXXX ky XXXX phone XXXX XXXX XXXX.
Consumer complaint received 2022-09-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: REGIONS FINANCIAL CORPORATION (VA)

Regions Mortgage has reported that my mortgage payments are late. And this has been falsely recorded by XXXX  and reported as part of my credit report. This however is NOT true. My mortgage payments have all been made on time and in full. Regions claim that my account is delinquent is false. This must be rectified immediately if not sooner.